Toronto, Ontario -- The Ontario Government is introducing legislation that would create a new, independent consumer watchdog with the authority to investigate businesses, enforce consumer protection laws and levy penalties for misconduct.
The proposed Ontario Consumer Watchdog Act, 2025, tabled as Bill 92, would establish an arm’s-length body responsible for overseeing consumer protection across the province. The watchdog would be empowered to investigate individual companies or entire sectors, handle consumer complaints and order remedies where harm is found. In certain circumstances, its decisions could override those of existing regulators.
The bill requires the Minister of Public and Business Service Delivery to develop and publish a plan outlining how the watchdog would operate, how it would interact with other regulators and how its powers would be exercised. A progress report would need to be tabled in the legislature within six months of the plan’s release. The proposed mandate also includes consumer education and research through centres of excellence focused on consumer protection policy.
The Insurance Bureau of Canada said it supports efforts to strengthen consumer protection and improve oversight across the marketplace. In a statement, the industry group said a clear and consistent regulatory framework is essential for consumer confidence and fair competition.
“Strong, effective consumer protection helps build trust in the marketplace and supports a level playing field for businesses that follow the rules,” the bureau said, adding that it welcomes initiatives that improve accountability and enforcement.
The Insurance Bureau of Canada represents the majority of private home, auto and business insurers in the country and said it looks forward to working with government and other stakeholders as the legislation moves through the legislature.
If passed, the bill would come into force on the day it receives Royal Assent.
