61.0.1.For the purposes of sections 103.2 and 150.3.1 of the Act, the merchant who takes into account the following information is deemed to have assessed the consumer’s capacity:
(a) the general level of the consumer’s gross income;
(b) the total of the monthly recurring disbursements related to housing, or the monthly cost if they are made on a basis other than monthly;
(c) the total of the monthly disbursements required under a credit contract or to pay the lease of a long-term contract of lease of goods, or their monthly cost if they are made on a basis other than monthly;
(d) the information contained in a contemporanous credit report made on a consumer by a personal information officer within the meaning of the Act respecting the protection of personal information in the private sector (chapter P-39.1);
(e) where applicable, the credit history with that merchant.