Thank you very much.
The banks have always felt that the Civil Code of Quebec and the Consumer Protection Act were overly favourable towards average citizens. They even went all the way to the Supreme Court to keep from having to disclose their hidden fees and to be able to charge customers however much they want without even telling them.
Unfortunately for them, in 2014, the Supreme Court ruled that they had to comply with Quebec's Consumer Protection Act, in the Marcotte decision. In 2012, the Harper government gave the banks precedence over all else in the preamble of the Bank Act.