Case information
Conduct a refined search of the Supreme Court of Canada database to obtain details on the status of a matter before the Court.
30823
Canadian Western Bank, et al. v. Her Majesty the Queen in Right of Alberta
(Alberta) (Civil) (By Leave)
Docket
Judgments on applications for leave to appeal are rendered by the Court, but are not necessarily unanimous.
| Date | Proceeding | Filed By (if applicable) |
|---|---|---|
| 2008-05-20 | Appeal closed | |
| 2008-05-16 | Discontinuance of the bill of costs | Her Majesty the Queen in Right of Alberta |
| 2007-10-12 | Bill of costs, (fees to follow), Completed on: 2008-05-16 | Her Majesty the Queen in Right of Alberta |
| 2007-06-01 | Formal judgment sent to the registrar of the court of appeal and all parties | |
| 2007-06-01 | Judgment on appeal and notice of deposit of judgment sent to all parties | |
| 2007-05-31 |
Judgment on the appeal rendered, CJ Ba Bi LeB F Abe Cha, The appeal from the judgment of the Court of Appeal of Alberta (Edmonton), Number 0303-0317-AC, dated January 14, 2005, heard on April 11, 2006, is dismissed with costs. The constitutional questions are answered as follows: 1. Are Alberta's Insurance Act, R.S.A. 2000, c. I-3, and the regulations made thereunder, in whole or in part, constitutionally inapplicable to the promotion by banks of an "authorized type of insurance" or "personal accident insurance" as defined in the Insurance Business (Banks and Bank Holding Companies) Regulations, SOR/92-330, by reason of the doctrine of interjurisdictional immunity? Answer: No. 2. Are Alberta's Insurance Act, R.S.A. 2000, c. I-3, and the regulations made thereunder, in whole or in part, constitutionally inoperative in relation to the promotion by banks of an "authorized type of insurance" or "personal accident insurance" as defined in the Insurance Business (Banks and Bank Holding Companies) Regulations, SOR/92-330, by reason of the doctrine of federal legislative paramountcy? Answer: No. Dismissed, with costs |
|
| 2006-04-25 | Transcript received, (129 pages) | |
| 2006-04-11 | Judgment reserved OR rendered with reasons to follow | |
| 2006-04-11 | Respondent's condensed book, Submitted in Court (14 copies) | Her Majesty the Queen in Right of Alberta |
| 2006-04-11 | Appellant's condensed book, Submitted in Court (14 copies) | Canadian Western Bank |
| 2006-04-11 | Acknowledgement and consent for video taping of proceedings, From all parties. | |
| 2006-04-11 |
Hearing of the appeal, 2006-04-11, CJ Ba Bi LeB F Abe Cha Judgment reserved |
|
| 2006-04-10 | Correspondence received from, Catherine Beagan Flood re: time allocation for argument. | Canadian Western Bank |
| 2006-04-05 | Reply factum on appeal, Pursuant to the Order of March 30, 2006., Completed on: 2006-04-05 | Her Majesty the Queen in Right of Alberta |
| 2006-04-05 | Notice of appearance, Terrence J. O'Sullivan and Paul Michell will be present at the hearing. | AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company |
| 2006-04-04 | Notice of appearance, David Stratas and Sara Gelgor will be present at the hearing. | Financial Advisors Association of Canada |
| 2006-04-04 | Notice of appearance, Peter Southey will be present at the hearing. | Attorney General of Canada |
| 2006-04-04 | Notice of appearance, James Hall will be present at the hearing. | Attorney General for Saskatchewan |
| 2006-04-03 | Notice of appearance, Katharine L. Hurlburt and Dale Gibson will be present at the hearing. | Alberta Insurance Council |
| 2006-04-03 | Notice of appearance, Robin K. Basu will be present at the hearing. | Attorney General of Ontario |
| 2006-04-03 | Notice of appearance, Sarah Mcdonald will be present at the hearing. | Attorney General of British Columbia |
| 2006-04-03 | Notice of appearance, Tomson Irvine and James Hall will be present at the hearing. | Attorney General for Saskatchewan |
| 2006-04-03 | Notice of appearance, John G. Furey will be present at the hearing. | Attorney General of New Brunswick |
| 2006-04-03 | Notice of appearance, Robert J. Normey, Christine S. Enns and Nick Parker will be resent at the hearing. | Her Majesty the Queen in Right of Alberta |
| 2006-04-03 | Notice of appearance, Neil Finkelstein, Jeffrey W. Galway and Catherine Beagan Flood will be present at the hearing. | Canadian Western Bank |
| 2006-04-03 | Notice of appearance, Alain Gingras will be present at the hearing. | Attorney General of Quebec |
| 2006-03-31 | Response to motion to file a reply factum on appeal, (Letter Form), Completed on: 2006-03-31 | Attorney General of Canada |
| 2006-03-30 | Order on motion to file a reply factum on appeal | |
| 2006-03-30 |
Decision on the motion to file a reply factum on appeal, --2-page reply factum of the respondent to the factum of the A.G. Cda, Abe Granted |
|
| 2006-03-29 |
Order by, FURTHER TO THE ORDER of Fish J. dated March 7, 2006, granting leave to intervene to the AIG Life Insurance Company of Canada, Canada Life Assurance Company, Capitale Civil Service Insurer Inc., Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company, Desjardins Financial Security Life Assurance Company, Empire Life Insurance Company, Equitable Life Insurance Company of Canada, Great-West Life Assurance Company, Industrial Alliance Insurance and Financial Services Inc., Industrial-Alliance Pacific Life Insurance Company, London Life Insurance Company, Manufacturers Life Insurance Company, Standard Life Assurance Company of Canada, Sun Life Assurance Company of Canada, and Transamerica Life Canada, the Alberta Insurance Council and the Financial Advisors Association of Canada; IT IS HEREBY FURTHER ORDERED THAT the said interveners are each granted permission to present oral argument not exceeding fifteen (15) minutes at the hearing of the appeal. Granted |
|
| 2006-03-29 | Submission of motion to file a reply factum on appeal, Abe | |
| 2006-03-29 | Correspondence received from, D. Stratas dated Mar. 28/06; oral submissions | Financial Advisors Association of Canada |
| 2006-03-29 | Book of authorities, Completed on: 2006-03-29 | Financial Advisors Association of Canada |
| 2006-03-29 | Intervener's factum, (Table of Contents and CD to follow - Rec'd March 30, 2006), Completed on: 2006-03-30 | Financial Advisors Association of Canada |
| 2006-03-28 | Intervener's factum, (CD to follow - Rec'd March 30, 2006), Completed on: 2006-03-30 | AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company |
| 2006-03-28 | Response to motion to file a reply factum on appeal, (Letter Form), from Neil Finkelstein dated March 28/06, Completed on: 2006-03-28 | Canadian Western Bank |
| 2006-03-23 | Motion to file a reply factum on appeal, (2 page reply factum to the factum of the A.G. of Canada), Completed on: 2006-03-23 | Her Majesty the Queen in Right of Alberta |
| 2006-03-21 | Book of authorities, Completed on: 2006-03-21 | Alberta Insurance Council |
| 2006-03-21 | Intervener's factum, Completed on: 2006-03-21 | Alberta Insurance Council |
| 2006-03-10 | Supplemental document, (Supplemental Book of Statutes of the Respondent to replace Tab 1 of the the Book of Statutes filed Dec. 12/05) | Her Majesty the Queen in Right of Alberta |
| 2006-03-09 | Notice of hearing sent to parties | |
| 2006-03-09 |
Appeal hearing scheduled, 2006-04-11, previously Jan. 19/06 and May 11/06 Judgment reserved |
|
| 2006-03-08 | Book of authorities, Completed on: 2006-03-08 | Attorney General for Saskatchewan |
| 2006-03-07 | Intervener's factum - AG on constitutional question, Completed on: 2006-03-07 | Attorney General for Saskatchewan |
| 2006-03-07 | Correspondence received from, Paul Michell dated March 7, 2006. Re: Ottawa agent | AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company |
| 2006-03-07 | Order on motion for leave to intervene, (BY FISH J.) | |
| 2006-03-07 |
Decision on the motion for leave to intervene, F, UPON APPLICATIONS by Canadian Association of Financial Institutions in Insurance, by AIG Life Insurance Company of Canada, Canada Life Assurance Company, Capitale Civil Service Insurer Inc., Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company, Desjardins Financial Security Life Assurance Company, Empire Life Insurance Company, Equitable Life Insurance Company of Canada, Great-West Life Assurance Company, Industrial Alliance Insurance and Financial Services Inc., Industrial-Alliance Pacific Life Insurance Company, London Life Insurance Company, Manufacturers Life Insurance Company, Standard Life Assurance Company of Canada, Sun Life Assurance Company of Canada, and Transamerica Life Canada, by Alberta Insurance Council and by Financial Advisors Association of Canada for leave to intervene in the above appeal; AND THE MATERIAL FILED having been read; IT IS HEREBY ORDERED THAT: The motion for leave to intervene of the applicant, Canadian Association of Financial Institutions in Insurance, is dismissed. The motion for leave to intervene of the applicant, AIG Life Insurance Company of Canada, Canada Life Assurance Company, Capitale Civil Service Insurer Inc., Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company, Desjardins Financial Security Life Assurance Company, Empire Life Insurance Company, Equitable Life Insurance Company of Canada, Great-West Life Assurance Company, Industrial Alliance Insurance and Financial Services Inc., Industrial-Alliance Pacific Life Insurance Company, London Life Insurance Company, Manufacturers Life Insurance Company, Standard Life Assurance Company of Canada, Sun Life Assurance Company of Canada, and Transamerica Life Canada, is granted and the applicant shall be entitled to serve and file a single joint factum not to exceed 20 pages in length on or before March 31, 2006. The motion for leave to intervene of the applicant, Alberta Insurance Council, is granted and the applicant shall be entitled to serve and file a factum not to exceed 20 pages in length on or before March 31, 2006. The motion for leave to intervene of the applicant, Financial Advisors Association of Canada, is granted and the applicant shall be entitled to serve and file a factum not to exceed 20 pages in length on or before March 31, 2006. The requests to present oral argument are deferred to a date following receipt and consideration of the written arguments of the parties and the interveners. The interveners shall not be entitled to raise new issues or to adduce further evidence or otherwise to supplement the record of the parties. Pursuant to Rule 59(1)(a) of the Rules of the Supreme Court of Canada the interveners shall pay to the appellants and respondent any additional disbursements occasioned to the appellants and respondent by their interventions. Allowed in part |
|
| 2006-03-07 | Correspondence received from, David Stratas dated March 7/06 re: decision to be rendered on intervention | Financial Advisors Association of Canada |
| 2006-03-06 | Book of authorities, Completed on: 2006-03-06 | Attorney General of Ontario |
| 2006-03-06 | Intervener's factum - AG on constitutional question, Completed on: 2006-03-06 | Attorney General of Ontario |
| 2006-03-06 | Book of authorities, Completed on: 2006-03-06 | Attorney General of New Brunswick |
| 2006-03-06 | Intervener's factum - AG on constitutional question, Completed on: 2006-03-06 | Attorney General of New Brunswick |
| 2006-03-03 | Supplemental document, (Book of Statutes) | Attorney General of Canada |
| 2006-03-03 | Book of authorities, Completed on: 2006-03-03 | Attorney General of Canada |
| 2006-03-03 | Book of authorities, Completed on: 2006-03-03 | Attorney General of British Columbia |
| 2006-03-03 | Intervener's factum - AG on constitutional question, Completed on: 2006-03-03 | Attorney General of Canada |
| 2006-03-03 | Intervener's factum - AG on constitutional question, Completed on: 2006-03-03 | Attorney General of British Columbia |
| 2006-03-01 | Submission of motion for leave to intervene, F | |
| 2006-02-27 | Book of authorities, Completed on: 2006-02-27 | Attorney General of Quebec |
| 2006-02-27 | Intervener's factum - AG on constitutional question, Completed on: 2006-02-27 | Attorney General of Quebec |
| 2006-02-13 | Discontinuance of motion for leave to intervene, (only for this Insurance Company) | Canadian Premier Life Insurance Company |
| 2006-02-06 | Respondent's record, (Vol. 1 to 3), Completed on: 2006-02-06 | Her Majesty the Queen in Right of Alberta |
| 2006-02-06 | Supplemental document, (14 copies of STATUTES) Revised Tab 1 see entry Mar. 10/06 | Her Majesty the Queen in Right of Alberta |
| 2006-02-06 | Respondent's book of authorities, Completed on: 2006-02-06 | Her Majesty the Queen in Right of Alberta |
| 2006-02-06 | Respondent's factum, Completed on: 2006-02-06 | Her Majesty the Queen in Right of Alberta |
| 2006-02-06 | Appeal perfected for hearing | |
| 2006-01-20 | Response to the motion for leave to intervene, e-mail from Gowlings dated Jan. 20/06 re: will not be filing a response to the interventions, Completed on: 2006-01-20 | Canadian Western Bank |
| 2006-01-19 | Response to the motion for leave to intervene, Completed on: 2006-01-20 | Her Majesty the Queen in Right of Alberta |
| 2006-01-09 | Motion for leave to intervene, Completed on: 2006-01-17 | Canadian Association of Financial Institutions in Insurance |
| 2006-01-09 | Motion for leave to intervene, Completed on: 2006-01-09 | AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company |
| 2006-01-05 | Book of authorities, (in support of the Leave to Intervene), Completed on: 2006-01-05 | Financial Advisors Association of Canada |
| 2006-01-05 | Motion for leave to intervene, Completed on: 2006-01-05 | Financial Advisors Association of Canada |
| 2006-01-05 | Motion for leave to intervene, Completed on: 2006-01-10 | Alberta Insurance Council |
| 2005-12-12 | Appellant's book of authorities, (Vol. 1 to 3), Completed on: 2005-12-12 | Canadian Western Bank |
| 2005-12-12 | Supplemental document, (Statutes of the Appellants) | Canadian Western Bank |
| 2005-12-12 | Appellant's factum, Completed on: 2005-12-12 | Canadian Western Bank |
| 2005-12-08 | Appellant's record, (Vol. 1 to 24), Completed on: 2005-12-08 | Canadian Western Bank |
| 2005-11-10 | General proceeding, NOTICE of Agent representing two opposing parties | Canadian Western Bank |
| 2005-10-18 | Notice of intervention respecting a constitutional question | Attorney General of Quebec |
| 2005-10-18 | Notice of intervention respecting a constitutional question | Attorney General for Saskatchewan |
| 2005-10-17 | Notice of intervention respecting a constitutional question | Attorney General of Canada |
| 2005-10-17 | Notice of intervention respecting a constitutional question | Attorney General of Ontario |
| 2005-10-17 | Notice of intervention respecting a constitutional question | Attorney General of New Brunswick |
| 2005-10-14 | Notice of intervention respecting a constitutional question | Attorney General of British Columbia |
| 2005-09-20 | Notice of constitutional question(s) | Canadian Western Bank |
| 2005-09-19 | Order on motion to state a constitutional question, (BY THE CHIEF JUSTICE) | |
| 2005-09-19 |
Decision on the motion to state a constitutional question, CJ, 1. Are Alberta's Insurance Act, R.S.A. 2000, c. I-3, and the regulations made thereunder, in whole or in part, constitutionally inapplicable to the promotion by banks of an "authorized type of insurance" or "personal accident insurance" as defined in the Insurance Business (Banks and Bank Holding Companies) Regulations, SOR/92-330, by reason of the doctrine of interjurisdictional immunity? 2. Are Alberta's Insurance Act, R.S.A. 2000, c. I-3, and the regulations made thereunder, in whole or in part, constitutionally inoperative in relation to the promotion by banks of an "authorized type of insurance" or "personal accident insurance" as defined in the Insurance Business (Banks and Bank Holding Companies) Regulations, SOR/92-330, by reason of the doctrine of federal legislative paramountcy? Granted |
|
| 2005-09-01 | Submission of motion to state a constitutional question, CJ | |
| 2005-08-29 | Reply to the motion to state a constitutional question, Completed on: 2005-08-29 | Canadian Western Bank |
| 2005-08-22 | Response to the motion to state a constitutional question, Completed on: 2005-08-22 | Her Majesty the Queen in Right of Alberta |
| 2005-08-12 | Motion to state a constitutional question, (book form), Completed on: 2005-08-12 | Canadian Western Bank |
| 2005-06-22 | Letter advising the parties of tentative hearing date and filing deadlines (Leave granted) | |
| 2005-06-17 | Judgment on leave sent to the parties | |
| 2005-06-16 | Notice of appeal, Completed on: 2005-06-16 | Canadian Western Bank |
| 2005-06-16 |
Judgment of the Court on the application for leave to appeal, The application for leave to appeal from the judgment of the Court of Appeal of Alberta (Edmonton), Number 0303-0317-AC, dated January 14, 2005, is granted with costs to the applicants in any event of the cause. Granted, with costs to the applicant(s) in any event of the cause |
|
| 2005-06-16 |
Decision on motion to expedite the application for leave to appeal, The motion to expedite the appeal is dismissed. Dismissed |
|
| 2005-05-24 | Submission of motion to expedite the application for leave to appeal, CJ Bi Cha | |
| 2005-05-24 | All materials on application for leave submitted to the Judges, CJ Bi Cha | |
| 2005-05-05 | Order on miscellaneous motion | |
| 2005-05-05 |
Decision on the miscellaneous motion, to amend the applicants' reply, Reg Granted |
|
| 2005-05-05 | Submission of miscellaneous motion, Reg | |
| 2005-05-03 | Response to the motion to expedite the application for leave to appeal, (Letter Form), Conditional consent, Completed on: 2005-05-03 | Her Majesty the Queen in Right of Alberta |
| 2005-05-02 | Applicant's reply to respondent's argument, Completed on: 2005-05-02 | Canadian Western Bank |
| 2005-05-02 | Response to miscellaneous motion, (consent included in Notice of Motion), Completed on: 2005-05-02 | Her Majesty the Queen in Right of Alberta |
| 2005-05-02 | Notice of miscellaneous motion, Motion to amend reply (Consent of Respondent included), Completed on: 2005-05-02 | Canadian Western Bank |
| 2005-04-28 | Response to the motion to expedite the application for leave to appeal, e-mail from Gowlings dated Apr. 28/05, Completed on: 2005-04-28 | Her Majesty the Queen in Right of Alberta |
| 2005-04-25 | Motion to expedite the application for leave to appeal, (memorandum included at Tab 2 - book form), Completed on: 2005-04-25 | Canadian Western Bank |
| 2005-04-25 | Book of authorities | Canadian Western Bank |
| 2005-04-25 | Applicant's reply to respondent's argument, (do not submit - see decision of Registrar of May 5/05), Completed on: 2005-04-25 | Canadian Western Bank |
| 2005-04-13 | Respondent's response on the application for leave to appeal, Completed on: 2005-04-13 | Her Majesty the Queen in Right of Alberta |
| 2005-03-21 | Letter acknowledging receipt of an incomplete application for leave to appeal | |
| 2005-03-15 | Book of authorities | Canadian Western Bank |
| 2005-03-15 | Application for leave to appeal, Appeal C/A order missing - Rec'd April 15, 2005, Completed on: 2005-04-15 | Canadian Western Bank |
Parties
Please note that in the case of closed files, the “Status” column reflects the status of the parties at the time of the proceedings. For more information about the proceedings and about the dates when the file was open, please consult the docket of the case in question.
Main parties
| Name | Role | Status |
|---|---|---|
| Canadian Western Bank | Appellant | Active |
| Bank of Montreal, Canadian Imperial Bank of Commerce, HSBC Bank Canada, National Bank of Canada, Royal Bank of Canada, The Bank of Nova Scotia and The Toronto-Dominion Bank | Appellant | Active |
v.
| Name | Role | Status |
|---|---|---|
| Her Majesty the Queen in Right of Alberta | Respondent | Active |
Other parties
| Name | Role | Status |
|---|---|---|
| Attorney General of British Columbia | Intervener | Active |
| Attorney General of Canada | Intervener | Active |
| Attorney General of Ontario | Intervener | Active |
| Attorney General of New Brunswick | Intervener | Active |
| Attorney General for Saskatchewan | Intervener | Active |
| Attorney General of Quebec | Intervener | Active |
| Alberta Insurance Council | Intervener | Active |
| Financial Advisors Association of Canada | Intervener | Active |
| AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company | Intervener | Active |
| Desjardins Financial Security Life Assurance Company, The Empire Life Insurance Company, The Equitable Life Insurance Company of Canada, The Great-West Life Assurance Company, Industrial Alliance Insurance and Financial Services Inc. | Intervener | Active |
| Industrial-Alliance Pacific Life Insurance Company, London Life Insurance Company, The Manufacturers Life Insurance Company, The Standard Life Assurance Company of Canada, Sun Life Assurance Company of Canada, and | Intervener | Active |
| Transamerica Life Canada (together, the ''Insurers'') | Intervener | Active |
Counsel
Party: Canadian Western Bank
Counsel
Neil Finkelstein
Jeff Galway
Catherine Beagan Flood
Jeff Galway
Catherine Beagan Flood
Blake, Cassels & Graydon LLP
P.O. Box 25, Commerce Court West
199 Bay Street
Toronto, Ontario
M5L 1A9
Telephone: (416) 863-2400
FAX: (416) 863-2653
Email: neil.finkelstein@blakes.com
P.O. Box 25, Commerce Court West
199 Bay Street
Toronto, Ontario
M5L 1A9
Telephone: (416) 863-2400
FAX: (416) 863-2653
Email: neil.finkelstein@blakes.com
Agent
Henry S. Brown, Q.C.
Gowling WLG (Canada) LLP
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
Party: Bank of Montreal, Canadian Imperial Bank of Commerce, HSBC Bank Canada, National Bank of Canada, Royal Bank of Canada, The Bank of Nova Scotia and The Toronto-Dominion Bank
Counsel
Neil Finkelstein
Jeff Galway
Catherine Beagan Flood
Jeff Galway
Catherine Beagan Flood
Blake, Cassels & Graydon LLP
P.O. Box 25, Commerce Court West
199 Bay Street
Toronto, Ontario
M5L 1A9
Telephone: (416) 863-2400
FAX: (416) 863-2653
Email: neil.finkelstein@blakes.com
P.O. Box 25, Commerce Court West
199 Bay Street
Toronto, Ontario
M5L 1A9
Telephone: (416) 863-2400
FAX: (416) 863-2653
Email: neil.finkelstein@blakes.com
Agent
Henry S. Brown, Q.C.
Gowling WLG (Canada) LLP
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
Party: Her Majesty the Queen in Right of Alberta
Counsel
Robert J. Normey
L. Christine Enns
Nick Parker
L. Christine Enns
Nick Parker
Attorney General of Alberta
4th Floor, Bowker Building
9833 - 109th Street
Edmonton, Alberta
T5K 2E8
Telephone: (780) 422-9532
FAX: (780) 425-0307
Email: robert.normey@gov.ab.ca
4th Floor, Bowker Building
9833 - 109th Street
Edmonton, Alberta
T5K 2E8
Telephone: (780) 422-9532
FAX: (780) 425-0307
Email: robert.normey@gov.ab.ca
Agent
Henry S. Brown, Q.C.
Gowling WLG (Canada) LLP
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
Party: Attorney General of British Columbia
Counsel
Sarah MacDonald
Attorney General of British Columbia
6th Floor - 1001 Douglas Street
P.O. Box 9280, Stn. Prov. Govt.
Victoria, British Columbia
V8W 9J7
Telephone: (250) 356-8499
FAX: (250) 356-9154
6th Floor - 1001 Douglas Street
P.O. Box 9280, Stn. Prov. Govt.
Victoria, British Columbia
V8W 9J7
Telephone: (250) 356-8499
FAX: (250) 356-9154
Agent
Robert E. Houston, Q.C.
Burke-Robertson
70 Gloucester Street
Ottawa, Ontario
K2P 0A2
Telephone: (613) 566-2058
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
70 Gloucester Street
Ottawa, Ontario
K2P 0A2
Telephone: (613) 566-2058
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
Party: Attorney General of Canada
Counsel
Peter Southey
Attorney General of Canada
The Exchange Tower, Box 36
Suite 3400, 130 King Street West
Toronto, Ontario
M5X 1K6
Telephone: (416) 973-2240
FAX: (416) 973-0809
Email: peter.southey@justice.gc.ca
The Exchange Tower, Box 36
Suite 3400, 130 King Street West
Toronto, Ontario
M5X 1K6
Telephone: (416) 973-2240
FAX: (416) 973-0809
Email: peter.southey@justice.gc.ca
Agent
Christopher M. Rupar
Attorney General of Canada
Bank of Canada Building - East Tower
234 Wellington Street, Room 1212
Ottawa, Ontario
K1A 0H8
Telephone: (613) 941-2351
FAX: (613) 954-1920
Email: christopher.rupar@justice.gc.ca
Bank of Canada Building - East Tower
234 Wellington Street, Room 1212
Ottawa, Ontario
K1A 0H8
Telephone: (613) 941-2351
FAX: (613) 954-1920
Email: christopher.rupar@justice.gc.ca
Party: Attorney General of Ontario
Counsel
Robin K. Basu
Bay Ryley
Bay Ryley
Attorney General of Ontario
Constitutional Law Branch
720 Bay Street - 4th Floor
Toronto, Ontario
M5G 2K1
Telephone: (416) 326-4476
FAX: (416) 326-4015
Email: robin.basu@jus.gov.on.ca
Constitutional Law Branch
720 Bay Street - 4th Floor
Toronto, Ontario
M5G 2K1
Telephone: (416) 326-4476
FAX: (416) 326-4015
Email: robin.basu@jus.gov.on.ca
Agent
Robert E. Houston, Q.C.
Burke-Robertson
70 Gloucester Street
Ottawa, Ontario
K2P 0A2
Telephone: (613) 566-2058
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
70 Gloucester Street
Ottawa, Ontario
K2P 0A2
Telephone: (613) 566-2058
FAX: (613) 235-4430
Email: rhouston@burkerobertson.com
Party: Attorney General of New Brunswick
Counsel
John G. Furey
Attorney General of New Brunswick
Room 447, Centennial Building
670 King Street
Fredericton, New Brunswick
E3B 5H1
Telephone: (506) 453-3606
FAX: (506) 453-3275
Room 447, Centennial Building
670 King Street
Fredericton, New Brunswick
E3B 5H1
Telephone: (506) 453-3606
FAX: (506) 453-3275
Agent
Henry S. Brown, Q.C.
Gowling WLG (Canada) LLP
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
Party: Attorney General for Saskatchewan
Counsel
Thomson Irvine
James Hall
James Hall
Attorney General for Saskatchewan
1874 Scarth St - 8th Floor
PO Box 7129
Regina, Saskatchewan
S4P 3V7
Telephone: (306) 787-6307
FAX: (306) 787-9111
Email: Tom.irvine@gov.sk.ca
1874 Scarth St - 8th Floor
PO Box 7129
Regina, Saskatchewan
S4P 3V7
Telephone: (306) 787-6307
FAX: (306) 787-9111
Email: Tom.irvine@gov.sk.ca
Agent
Henry S. Brown, Q.C.
Gowling WLG (Canada) LLP
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
2600 - 160 Elgin St
P.O. Box 466, Stn "D"
Ottawa, Ontario
K1P 1C3
Telephone: (613) 233-1781
FAX: (613) 788-3433
Email: henry.brown@gowlings.com
Party: Attorney General of Quebec
Counsel
Alain Gingras
Procureur général du Québec
1200, route de l'Église
2e étage
Ste-Foy, Quebec
G1V 4M1
Telephone: (418) 643-1477
FAX: (418) 644-7030
Email: agingras@justice.gouv.qc.ca
1200, route de l'Église
2e étage
Ste-Foy, Quebec
G1V 4M1
Telephone: (418) 643-1477
FAX: (418) 644-7030
Email: agingras@justice.gouv.qc.ca
Agent
Pierre Landry
Noël et Associés, s.e.n.c.r.l.
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
Party: Alberta Insurance Council
Counsel
Katharine L. Hurlburt
R. Dale Gibson
R. Dale Gibson
Emery Jamieson
1700, 10235 - 101 Street
Edmonton, Alberta
T5J 3G1
Telephone: (780) 970-6279
FAX: (780) 420-6277
1700, 10235 - 101 Street
Edmonton, Alberta
T5J 3G1
Telephone: (780) 970-6279
FAX: (780) 420-6277
Agent
Pierre Landry
Noël et Associés, s.e.n.c.r.l.
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
111, rue Champlain
Gatineau, Quebec
J8X 3R1
Telephone: (819) 503-2178
FAX: (819) 771-5397
Email: p.landry@noelassocies.com
Party: Financial Advisors Association of Canada
Counsel
L. David Roebuck
David Stratas
Brad Elberg
Sara Gelgor
David Stratas
Brad Elberg
Sara Gelgor
Heenan Blaikie LLP
200 Bay Street, Suite 2600
Toronto, Ontario
M5J 2J4
Telephone: (416) 643-6887
FAX: (416) 360-8425
Email: droebuck@heenan.ca
200 Bay Street, Suite 2600
Toronto, Ontario
M5J 2J4
Telephone: (416) 643-6887
FAX: (416) 360-8425
Email: droebuck@heenan.ca
Agent
Joy Noonan
Heenan Blaikie LLP
55 Metcalfe Street
Suite 300
Ottawa, Ontario
K1P 6L5
Telephone: (613) 236-1668
FAX: (613) 236-9632
Email: Jnoonan@heenan.ca
55 Metcalfe Street
Suite 300
Ottawa, Ontario
K1P 6L5
Telephone: (613) 236-1668
FAX: (613) 236-9632
Email: Jnoonan@heenan.ca
Party: AIG Life Insurance Company of Canada, The Canada Life Assurance Company, La Capitale Civil Service Insurer Inc., La Capitale Insurance and Financial Services Inc., CUMIS Life Insurance Company
Counsel
Terrence J. O'Sullivan
Rocco Di Pucchio
M. Paul Michell
Rocco Di Pucchio
M. Paul Michell
Lax O'Sullivan Scott LLP
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
Agent
Eugene Meehan, Q.C.
Lang Michener LLP
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
Party: Desjardins Financial Security Life Assurance Company, The Empire Life Insurance Company, The Equitable Life Insurance Company of Canada, The Great-West Life Assurance Company, Industrial Alliance Insurance and Financial Services Inc.
Counsel
Terrence J. O'Sullivan
Paul Michell
Paul Michell
Lax O'Sullivan Scott LLP
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
Agent
Eugene Meehan, Q.C.
Lang Michener LLP
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
Party: Industrial-Alliance Pacific Life Insurance Company, London Life Insurance Company, The Manufacturers Life Insurance Company, The Standard Life Assurance Company of Canada, Sun Life Assurance Company of Canada, and
Counsel
Terrence J. O'Sullivan
Paul Michell
Paul Michell
Lax O'Sullivan Scott LLP
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
Agent
Eugene Meehan, Q.C.
Lang Michener LLP
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
Party: Transamerica Life Canada (together, the ''Insurers'')
Counsel
Terrence J. O'Sullivan
Paul Michell
Paul Michell
Lax O'Sullivan Scott LLP
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
1920 - 145 King St. West
Toronto, Ontario
M5H 1J8
Telephone: (416) 598-3556
FAX: (416) 598-3730
Email: tosullivan@counsel-toronto.com
Agent
Eugene Meehan, Q.C.
Lang Michener LLP
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
300 - 50 O'Connor St
Ottawa, Ontario
K1P 6L2
Telephone: (613) 232-7171
FAX: (613) 231-3191
Email: emeehan@langmichener.ca
Summary
Keywords
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Summary
Case summaries are prepared by the Office of the Registrar of the Supreme Court of Canada (Law Branch). Please note that summaries are not provided to the Judges of the Court. They are placed on the Court file and website for information purposes only.
Constitutional law – Division of powers – Banking – Insurance – Whether the Alberta Insurance Act, R.S.A. 2000, c. I-3, that regulates insurance agents in Alberta, is constitutionally inoperable or inapplicable to federally-regulated banks that promote the sale of insurance to their customers as authorized by the Insurance Business (Banks and Bank Holding Companies) Regulations, SOR/92-330, because of interjurisdictional immunity or because of the doctrine of paramountcy.
The Appellants (“Banks”) are large banks governed by the Bank Act, S.C. 1991, c. 46, as amended. The Banks sought a declaration that promotion by banks and their agents of certain insurance authorized by the Bank Act and its Insurance Business (Banks and Bank Holding Companies) Regulations, S.O.R./92-330 is “banking” under s. 91(15) of the Constitution Act, 1867 (“Constitution”) and that Alberta’s Insurance Act, R.S.A. 2000, c. I-3, and associated regulations that require banks to obtain, inter alia, a restricted Insurance Agent’s Certificate of Authority, are constitutionally inapplicable and/or inoperative to banks’ promotion of authorized insurance in Alberta by virtue of interjurisdictional immunity or the doctrine of paramountcy. The Appellants’ application for a declaration was dismissed. On appeal, the Court of Appeal dismissed the appeal.
Lower court rulings
September 22, 2003
Court of Queen’s Bench of Alberta
0103 18408
Court of Queen’s Bench of Alberta
0103 18408
Appellant's Application for a declaration that the Insurance Act is constitutionally inapplicable, is dismissed.
January 14, 2005
Court of Appeal of Alberta (Edmonton)
0303-0317-AC
Court of Appeal of Alberta (Edmonton)
0303-0317-AC
Appeal dismissed.
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Date modified: 2025-05-13