Our Issues

Our Issues

The Canadian Consumer Rewards Coalition (CCRC) is a not-for-profit organization created to advocate on behalf of Canadian consumers. Our advocacy is focused on three core areas directly related to consumer interest:

  • Interchange fees & policy, particularly concerning consumer impact
  • Taxation of rewards and benefits
  • Changes to consumer points and reward programs

Are you concerned about policy issues that could impact points and reward programs? Email us at info@consumerscoalition.ca to share your concerns.

Interchange Policy

Interchange fees are fees paid by merchants to accept payment via credit card. Interchange fees help fund a number of benefits to both merchants and consumers.  

Changes to interchange fees can have significant impacts on consumers and consumer reward and point programs. Recent policy proposals from federal politicians and political parties are contemplating changing Canada’s interchange policy. These are policy changes that Canadians will feel right in their wallets.

In fact, a recent study by the Macdonald-Laurier Institute found that changing interchange policy would cost a Canadian family earning an average of $40,000 per year approximately $187 annually in lost benefits. That’s why the CCRC advocates against proposals that would punish middle-class Canadian consumers.