Our cross-country team of regulatory, corporate/commercial and litigation lawyers allows Blakes to bring depth and expertise to the challenges our clients encounter. We regularly provide advice to those involved in the card industry, including card networks, credit card issuers and merchant acquirers, debit card issuers, gift card issuers, loyalty program providers, stored value card issuers and service providers, including card processors and distributors (ISOs). Our breadth of experience in this industry enables Blakes to understand the business as well as the law. We apply our broad-based knowledge and experience in working with our clients to develop practical solutions to the man?y complex issues that arise in the payment card industry.

From a regulatory perspective, we have the largest and most active financial institution regulatory practice in Canada, allowing us to effectively advise clients on the current regulatory framework, as well as on any draft legislation and regulatory proposals that may affect them. Blakes regulatory lawyers are in frequent contact with the Canadian federal and provincial regulatory bodies that govern or affect our payment card clients. In particular, Blakes works extensively with the Office of the Superintendent of Financial Institutions (OSFI), and this relationship is key to many of our clients in the industry.

Blakes also provides advice on compliance with both federal and provincial consumer protection legislation, guidelines and codes of conduct, including advice with respect to cost of credit disclosure, credit reporting, privacy, anti-spam, escheatment and collections practices. As part of our practice, we regularly draft and review cardholder agreements, applications, account statements, privacy statements and other required disclosures and customer communications to ensure compliance with the applicable federal and provincial laws and regulations. Blakes also provides regulatory advice on mobile and emerging payments and compliance with laws applicable to mobile wallets, payment apps, mobile and contactless payments and tokenization.

Our corporate/commercial lawyers have extensive experience in all aspects of the establishment, acquisition and divestiture of every type of payment card business. We have significant expertise in reorganization work for payment card businesses, as well as a broad range of experience in program agreements, sponsorship or rent-a-BIN agreements, partnership, joint venture, alliance, co-brand and distribution agreements, outsourcing contracts and merchant contracts.

Blakes has extensive litigation experience across Canada acting for financial services clients on a broad range of payment card issues. We have defended national and provincial class actions brought with respect to criminal interest rate allegations, payment and posting-date issues, currency exchange rate claims and alleged violations of consumer disclosure obligations. We also routinely act for payment card issuers in individual contractual claims and in collection proceedings.



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Associate | Toronto
Toronto: 416-863-3337
Areas of Expertise: Financial Services Regulatory, Aviation & Aerospace, Banking, Consumer/Retail Financial Services, Insurance, Reinsurance, Payments, Residential Mortgage Business, Debt Finance & Lending
Partner | Toronto
Toronto: 416-863-2654
Areas of Expertise: Capital Markets, Financial Services, Corporate & Commercial, Equity Capital Markets, Debt Capital Finance, Mergers & Acquisitions
Associate | Montréal
Montréal: 514-982-5035
Areas of Expertise: Financial Services, Renewables (Wind, Solar, Hydro, & CleanTeach), Oil & Gas, Africa
Associate | Montréal
Montréal: 514-982-4093
Areas of Expertise: Debt Finance & Lending, Project Finance, Real Estate Financing, Banking, Asset-Based Finance
Partner | Montréal
Montréal: 514-982-4025
Areas of Expertise: Energy, Banking, Commercial Real Estate, Financial Services, Construction, Infrastructure, Oil & Gas, Pension Funds Investment, Plan Nord, Debt Capital Finance, Structured Finance, Major Projects, Downstream & Marketing, Mergers, Acquisitions, & Divestitures, Hotel Finance
Partner | Toronto
Toronto: 416-863-4284
Areas of Expertise: Financial Services Regulatory, Insurance, Mergers & Acquisitions, Investment Products & Asset Management, Banking, Consumer/Retail Financial Services, Payments, Residential Mortgage Business, Reinsurance, Financial Services, Pension Funds Investment, Investment Funds, Investment Vehicles, Government & Public Sectors, FinTech, Credit Unions
Counsel | Toronto
Toronto: 416-863-3858
Areas of Expertise: Financial Services Regulatory, Anti-Money Laundering, Consumer/Retail Financial Services, Banking, Financial Services, Consumer Protection, FinTech, Cannabis
Partner | Toronto
Toronto: 416-863-3250
Areas of Expertise: Financial Services, Banking, Project Finance
Partner | Vancouver
Vancouver: 604-631-4247
Areas of Expertise: Financial Services, Real Estate Financing, Structured Finance, Banking, Debt Finance & Lending, Asset-Based Finance, Equipment Financing/Leasing, Project Finance
Partner | Calgary
Calgary: 403-260-9697
Areas of Expertise: Restructuring & Insolvency, Corporate Litigation, Corporate & Commercial, Oil & Gas, Financial Services, Banking, Energy
Partner | Montréal
Montréal: 514-982-4061
Areas of Expertise: Infrastructure, Mergers & Acquisitions, Private Equity, Energy, Corporate & Commercial, Commercial Real Estate, Plan Nord, Construction, Mining, Pension Funds Investment, Investment Funds, Investment Vehicles, Mining Lending, Mining Streaming & Royalties, Credit Unions
Articling Student | Vancouver
Vancouver: 604-631-5233
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-3866
Areas of Expertise: Equipment Financing/Leasing, Asset-Based Finance, Project Finance, Structured Finance, Aviation & Aerospace, Banking, Debt Finance & Lending, Automotive
Partner | Toronto
Toronto: 416-863-3261
Areas of Expertise: Financial Services, Restructuring & Insolvency, Litigation & Dispute Resolution
Associate | Toronto
Toronto: 416-863-4197
Areas of Expertise: Financial Services, Financial Services Regulatory, Banking, Hotel Finance, Debt Finance & Lending, Residential Mortgage Business, Structured Finance
Partner | Calgary
Calgary: 403-260-9659
Areas of Expertise: Corporate & Commercial, Financial Services, Banking
Partner | Toronto
Toronto: 416-863-2594
Areas of Expertise: Restructuring & Insolvency, Financial Services, Corporate & Commercial, Financial Services, Mining, Mergers & Acquisitions
Associate | Toronto
Toronto: 416-863-2283
Areas of Expertise: Financial Services, Debt Finance & Lending, Asset-Based Finance
Partner | Toronto
Toronto: 416-863-3860
Areas of Expertise: Commercial Real Estate, Restructuring & Insolvency, Hospitality & Leisure, Real Estate Financing, Europe, Pension Funds Investment, Investment Funds, Investment Vehicles, Hotel Finance
Associate | Montréal
Montréal: 514-982-5047
Areas of Expertise: Financial Services, Debt Finance & Lending, Project Finance, Asset-Based Finance, Banking, Renewables (Wind, Solar, Hydro, & CleanTeach)
Counsel | Montréal
Montréal: 514-982-4017
Areas of Expertise: Financial Services Regulatory, Consumer/Retail Financial Services, Residential Mortgage Business, Payments, Marketing & Health Regulatory, Banking, Insurance, Reinsurance, Lobbying, Financial Services, FinTech, Consumer Protection
Partner | Toronto
Toronto: 416-863-4160
Areas of Expertise: Infrastructure, Project Finance, Financial Services, Banking, Construction, Energy, Debt Capital Finance, Power, Public-Private Partnerships
Partner | Toronto
Toronto: 416-863-2492
Areas of Expertise: Mergers & Acquisitions, Corporate & Commercial, Financial Services Regulatory, Financial Services, Life Sciences, Private Equity, Emerging Companies & Venture Capital, Technology, Mining, Insurance, Pension Funds Investment
Law Clerk | Toronto
Toronto: 416-863-2773
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-4021
Areas of Expertise: Information Technology, Outsourcing, Corporate & Commercial, Cybersecurity, Financial Services, IP Licensing & Agreements, FinTech, Banking, Insurance, Power, Technology, Mergers & Acquisitions, Credit Unions
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