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54 McGill L. J. 91 (2009)
Proposition de Reforme Pour une Protection des Titulaires de Cartes de Debit Victimes de Transferts de Fonds non Autorises

handle is hein.journals/mcgil54 and id is 93 raw text is: Propositions de r6forme pour une protection
des titulaires de cartes de d6bit victimes de
transferts de fonds non autoris6s
Marc Lacoursibre*

Depuis les ann6es 1960, les nouvelles technologies
ont favoris& l'6mergence de m6canismes de paiements
6lectroniques. Outre les cartes de cr6dit, les relations
entre les 6metteurs de paiements et les consommateurs
ne font aucunement l'objet d'une protection legislative
au Canada et au Quebec, n'&tant r6gies que par la
common law et le Code civil du Quebec. En 1992, le
Groupe de travail sur le transfert 6lectronique de fonds a
adopt6 le Code de pratique canadien des services de
cartes de dabit afin de prot~ger les consommateurs qui
font usage de la carte de debit au Canada et de r6gir la
responsabifit6 des parties lots d'un transfert de fonds non
autoris&. Les contrats bancaires ont graduellement incorpori
les dispositions de ce code d'application volontaire, nmis ils
comportent plusieurs divergences par rapport A ce dernier qui
s'avent d6favorables pour le consormmateur. L'exponence
du droit 6tranger, notamment aux Etats-Unis et en Europe
(France, Belgique et Luxembourg), sugg&re des pistes de
solution pour combler les lacunes caus~es par cette
inad~quation entre le Code de pratique canadien des
services de cartes de d~bit et les contrats bancaires, et
encourager une intervention du 16gislateur.

Since the 1960s, new technologies have favoured
the emergence of methods of electronic payment.
Except in the case of credit cards, the relationship
between payment issuers and consumers is not
statutorily regulated in Canada and Quebec; it is only
subject to the common law and to the Civil Code of
Quebec. In 1992, The Electronic Funds Transfer
Working Group developed the Canadian Code of
Practice for Consumer Debit Card Services, in order to
protect consumers using debit cards in Canada and to
allocate responsibility between the parties in cases of
unauthorized funds transfers. This voluntary code has
been gradually implemented in banking contracts, but
these contracts frequently diverge from the code to the
consumer's detriment. The experience of foreign law,
particularly in  America, France, Belgium, and
Luxembourg, offers   potential solutions  for the
inadequacy of the Canadian Code of Practice for
Consumer Debit Card to banking contracts and to
encourage an intervention of the legislator.

. Avocat, professeur A la Facult6 de droit de l'Universit6 Laval et membre du Centre d'6tudes en
droit 6conomique (CtDt) de la Facult6 de droit de l'Universit6 Laval. L'auteur tient A remercier le
professeur Arthur Oula pour ses commentaires et Mme Romy Daigle pour sa collaboration. L'auteur
d6sire remercier la Fondation du Barreau du Quebec pour le financement de cet article. Sous r6serve
d'une indication contraire quant A la date d'acc~s, le contenu des sites Internet cit6s dans le pr6sent
article a W v&ifi6 en date du 31 mai 2008.
© Marc Lacoursi~re 2009
Mode de r6f~rence: (2009) 54 R.D. McGill 91
To be cited as: (2009) 54 McGill L.J. 91

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