Approximativement 2 millions de Canadiennes et Canadiens utilisent des prêts sur salaire chaque année.
Recently, the Canadian Radio-television and Telecommunications Commission (CRTC) began an inquiry into the sales practices of telecoms companies, to understand whether services are being sold fairly and transparently. ACORN invited members across the country to share their experiences. Many members who reached out had been misled when buying a product or service, encountered pushy salespeople, or found their phone, internet or TV package confusing.
This initial scan of the alternatives revealed that while some promising initiatives do exist, the limited scope of these programs means that they do not meet the scale required to address the problem of predatory lending
To ensure Canada’s competitiveness, we would like to work with the federal government to advance digital equity, provide fair financial services and protect our most vulnerable workers.
In Canada, women earn eighty-seven cents for every dollar earned by men. Women are less likely to be employed than men and are overrepresented in precarious jobs. Twenty-six per cent of female-led lone parent families live in poverty, compared to twelve per cent of those led by men. Given these statistics, it is somewhat unsurprising that payday loan use tends to occur more often in female-headed households.
Despite the fact that a sizeable portion of the population use the internet to access health resources, many Canadians still face barriers to digital equity.
ACORN Canada’s Fair Banking/End Predatory Lending Campaign calls for an inter-jurisdictional strategy to tackle the high-interest lending that further entrenches poverty within our communities.
This evaluation reports on the outcomes of ACORN Canada’s Protect Your Privacy-Online! project, funded by the Office of the Privacy Commissioner of Canada. This project consists of three workshops, offered in four Canadian cities and is designed to educate lower income Canadians about the Personal Information Protection and Electronic Documents Act (PIPEDA). PIPEDA is Canada’s Federal legislation that establishes rules for how private-sector organizations must protect the online privacy of Canadians.
Ce document analyse les résultats d'un sondage qu’ACORN Canada a mené à l’aide sur un échantillon de ses membres dans le but de comprendre pourquoi ils se tournent vers des services financiers alternatifs tels que les prêts sur salaire à taux d'intérêt élevé.
Le sondage révèle que la majorité des 268 répondants utilisent des services financiers à taux d'intérêt élevé, tels que les prêts sur salaire, qu’en dernier recours parce que les banques traditionnelles leur refusent les services de crédit adéquats.
Posted December 5, 2018
New ACORN report illustrates how Burnaby’s self-made housing crisis works.
Toronto ACORN's Affordable City Platform
As rents skyrocket and vacancy rates plummet, low and moderate income Ottawa tenants are facing an affordability crisis that is pricing them out of their communities.
By introducing a National Housing Strategy (NHS) and making a commitment to a rights-based approach to housing, the Federal Government is taking a significant step towards tackling Canada’s housing crisis. ACORN members welcome this national plan. Yet, we acknowledge that there is a long way to go to overcome the systemic issues that have led to so many homeless and under-housed Canadians.
Surrey tenants cannot keep up with rising rents: the city is in the midst of an affordability crisis. Rents have been rising dramatically compared with household incomes and market rents are increasingly unaffordable to low income households.
Top three priorities: 1. Lack of affordable housing 2. Rent control loopholes 3. Renovictions and demovictions
It has been six years since Toronto’s living wage estimate was calculated at $16.60 in 2008.
Since then, the cost of living has gone up: the cost of child care has risen by 30 per cent; rent has increased by 13 per cent; the cost of public transit has grown by 36 per cent. This report updates Toronto’s living wage to reflect what it takes for two working parents with two children to make ends meet in 2015. It’s based on the needs of a family with two parents and two young children ages 7 and 3. Each of those parents needs to earn $18.52 per hour, and work 37.5 hours per week, in order to afford the basics in life in this very expensive city.
In a new nationwide survey among 3,000 Canadians conducted by Greenberg Quinlan Rosner Canada for the Broadbent Institute, Canadians were asked about their perceptions of inequality and the distribution of wealth in Canada. The findings demonstrate that Canadians vastly underestimate how skewed the distribution of wealth actually is and think there should be a much more equitable distribution.
New research shows that in Ontario, large employers are the biggest culprits in perpetuating a low-wage economy.
Written by Metcalf Innovation Fellow and labour market policy expert Tom Zizys, the paper examines our under-performing labour market and challenges the popular notion that the threat to good jobs is inevitable.
Better Work chronicles the economic and political changes that have brought us to our current situation. It reconstructs the advent of our global economy and reflects deeply on its effect on employment practices. Central to its thesis is a simple proposition: workers are not a cost to be constrained but, rather, an asset to be invested in.
Among industrialized countries, Canada has the highest proportion of residents with a post-secondary education. Yet we also have the highest rate of degree holders working in jobs earning half the median income or less. We know there are many external factors at play, and that a rise in precarious employment and the widening gap between knowledge sector and entry-level jobs is creating income disparity. But the question remains, are we responding to the emergence of technology, globalization, and increased competitiveness in the most efficient and equitable way? Are our workplace practices, labour market institutions, and the norms and values that shape our economic thinking supporting the best interests of both employers and employees?
Un extrait de Global Grassroots sur salaire de subsistance, par John Anderson.
There are over 338,000 migrant workers in Canada. This number has more than doubled since 2006. As Canada increasingly relies on a work force of transnational migrant workers with temporary status, an industry of third-party for-profit recruiters has emerged to match workers with jobs in Canada.
This report exposes how temporary foreign workers are paying thousands of dollars in recruiting fees — equal to as much as two to three years’ wages in their home currency — to work in minimum wage jobs in Ontario.
The People’s Budget campaign was initiated as a response to the continuing evidence of the failure of the austerity agenda. Austerity measures have had a devastating impact on the people of Ontario, particularly its most vulnerable citizens. When even organizations such as the International Monetary Fund and the World Economic Forum are calling for a reconsideration of the austerity agenda, it is time for Ontario to chart a new course.
ACORN members are concerned about what will emerge from the government’s 100-day review. We can look to other countries with Conservative leaders to imagine what the Province’s reforms could look like. In recent years, the UK has implemented a series of social assistance reforms which have contributed to a 169% increase in homelessness since 2010 . Similar reforms could be disastrous for low-income Ontarians.
Ontario ACORN members are demanding an increase to allowable employment income before deductions and increases to allowable asset limits for ODSP and OW recipients
In 2006 the United Nations held a convention on the Rights of Persons with Disabilities. Article 28 states: “States Parties recognize the right of persons with disabilities to an adequate standard of living for themselves and their families, including adequate food, clothing and housing.”
“Adequate” does not include unhealthy and dangerous housing standards or negligent property owners.
Section 7 of the Canadian Charter of Rights and Freedoms“ guarantees the life, liberty and personal security of all Canadians.”
ACORN MEMBERS DEMAND a housing allowance that guarantees ODSP and OW recipients’ healthy housing where they can freely choose a home that guarantees their personal security from violence and negligent property owners.
The first comprehensive report on child and family poverty in Toronto since 2008 will be released by Children’s Aid Society of Toronto, Social Planning Toronto, Family Service Toronto, Colour of Poverty-Colour of Change, and the Alliance for a Poverty-Free Toronto .
New data in the report shows that Toronto is becoming an increasingly divided city. Where a child is born and raised in Toronto greatly influences their chances of success.
Canada’s disability income expenditures are rising at an unsustainable rate and the largest and fastest growing program is social assistance. Nowhere is this more evident than in Ontario where ODSP expenditures increased 44.8% between 2005 and 2010.
This report by Metcalf Innovation Fellow John Stapleton, provides critical insight into the intricate drivers behind the alarming rise of disability income expenditures.
More than two decades have passed since the House of Commons’ unanimous resolution “to seek to achieve the goal of eliminating poverty among Canadian children by the year 2000” and four years after the entire House of Commons voted to “develop an immediate plan to end poverty for all in Canada.” Neither the promised poverty elimination nor plans have materialized.
By introducing a National Housing Strategy (NHS) and making a commitment to a rights-based approach to housing, the Federal Government is taking a significant step towards tackling Canada’s housing crisis. ACORN members welcome this national plan. Yet, we acknowledge that there is a long way to go to overcome the systemic issues that have led to so many homeless and underhoused Canadians.
See ACORN's annual report for 2017.
Read BC ACORN's submission to the Province's consultation on the poverty reduction strategy.
Ontario ACORN surveyed 212 low-to-moderate income families across the province, to explore the impact of high child care costs. The survey revealed that many parents are forced to forgo work, education, savings, and basic necessities to pay for child care.
This groundbreaking report maps out the strategies and practices that lie behind today’s most successful advocacy campaigns both in Canada and abroad. In the process, it demonstrates how and why they succeed in creating lasting change on the issues they address while so many others fail. Based on a study by authors Jason Mogus and Tom Liacas that looked at mostly U.S.-based case studies, this report now presents similar innovations in Canada by reviewing in depth case studies of eight breakthrough Canadian campaigns. The report’s goal is to transmit a model that can be learned and replicated by other campaigners for how to blend grassroots participation and organizing with disciplined central planning to win.
Nova Scotia ACORN's municipal platform
The Office of the Privacy Commissioner and ACORN Canada Present: Protect your Privacy - Online!
Results of BC ACORN's survey of Surrey candidates
This election season, ACORN sent out a nine-question survey to all elected candidates running in this year’s municipal election in Ottawa. Out of the thirty-eight respondents, the majority were in favour of many of the proposed changes that were outlined in the survey.