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P-40.1 - Consumer Protection Act
Section 115.1
Disposition versions
115.1. When a consumer sells goods to a merchant with a right of redemption, the sale is deemed to constitute a contract for the loan of money if the total amount payable by the consumer under the contract to redeem the goods is greater than the amount paid by the merchant to acquire them.
When a consumer sells goods to a merchant who acquires them in order to lease them to the consumer for a total amount, including the lease payments and all other charges the consumer must pay under the contract, including, if applicable, the amount the consumer must pay under the contract to avail himself of an option to purchase or to exercise the right of acquisition under section 150.29, that is greater than the amount the merchant paid to acquire them, the sale is also deemed to constitute a contract for the loan of money.
115.1. When a consumer sells goods to a merchant with a right of redemption, the sale is deemed to constitute a contract for the loan of money if the total amount payable by the consumer under the contract to redeem the goods is greater than the amount paid by the merchant to acquire them.
In force: 2019-08-01
When a consumer sells goods to a merchant who acquires them in order to lease them to the consumer for a total amount, including the lease payments and all other charges the consumer must pay under the contract, including, if applicable, the amount the consumer must pay under the contract to avail himself of an option to purchase or to exercise the right of acquisition under section 150.29, that is greater than the amount the merchant paid to acquire them, the sale is also deemed to constitute a contract for the loan of money.