Newfoundland and Labrador Hansard — Members' Statements — 21 May 2009 (46th General Assembly, 2nd Session, Vol. XLVI No. 24)

2009-05-21

Newfoundland and Labrador — Debates (Hansard)

Newfoundland and Labrador Hansard — Members' Statements — 21 May 2009 (46th General Assembly, 2nd Session, Vol. XLVI No. 24)

2009-05-21

Newfoundland and Labrador — Debates (Hansard)

May

21, 2009

HOUSE OF ASSEMBLY PROCEEDINGS

Vol. XLVI No. 24

The House met at 1:30 p.m.

MR. SPEAKER (Fitzgerald): Order, please!

Admit strangers.

MR. T. MARSHALL: A point of order, Mr. Speaker.

MR. SPEAKER: The hon. the Minister of Justice and the Attorney General,

on a point of order.

MR. T. MARSHALL: Thank you, Mr. Speaker.

Mr. Speaker, yesterday in this House, in responding to a question from the

Government House Leader, I gave some information which I found out this morning

was incorrect and I would like to correct that.

I indicated yesterday that there were twenty-two single bed cells at the

women's correctional facility in Clarenville for a capacity of twenty-two. The

reality is, is that there are ten double bed cells with a capacity of twenty.

I also indicated that I was unaware of any triple bunking at Clarenville, and

being under the impression that there were twenty-two single cells with one bed

each, in order to have triple bunking you would have to have over forty-four

people there. In view of the corrected information, I am advised that there has

been triple bunking since April.

So I just wanted to make sure that the correct information was given to the

House.

MR. SPEAKER: No point of order, a point of information. I thank the hon.

Minister of Justice and the Attorney General.

Today the House of Assembly would like to welcome a group of forty students

from Grades 9 to 12 who are visiting from Appalachia High School in St. George's,

in the District of St. George's-Stephenville East; and Piccadilly Central High

of Piccadilly in the District of Port au Port. These students are accompanied by

their teacher Ms Lib Green.

Welcome to the House of Assembly.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: Also visiting today are thirteen students, from Grades K to

12, from All Saints All Grade School of Burgeo, in the District of Burgeo &

LaPoile.

AN HON. MEMBER: Grey River.

MR. SPEAKER: District of Grey River, a misprint. From the community of

Grey River, my humble apologies.

The students are accompanied by their teachers Mr. Wilson Warren, Ms Tracey

Bragg; and their chaperons, Ms Cavalle Young, Ms Patsy Young, Ms Wanda Warr, Ms

Cathy Barter, Ms Geraldine Warr and Ms Sandra Lawrence, as well as their bus

driver, Mr. John Power.

Welcome to the House of Assembly.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: Today the House of Assembly would also like to welcome in

the Speaker's gallery, the Minister of Environment and Conservation, with her

new daughter Jorja.

Welcome to the House of Assembly.

SOME HON. MEMBERS: Hear, hear!

Statements by Members

MR. SPEAKER: The following members' statements will be heard: the hon.

the Member for the District of Lake Melville, the hon. the Member for the

District of Signal Hill-Quidi Vidi, the hon. the Member for the District of

Placentia & St. Mary's, the hon. the Member for the District of

Cartwright-L'Anse au Clair, the hon. the Member for the District of Baie

Verte-Springdale, the hon. the Member for the District of Humber Valley.

Does the hon. Member for the District of Lake Melville have leave?

AN HON. MEMBER: Yes.

MR. SPEAKER: The hon. the Member for the District of Lake Melville, by

leave.

SOME HON. MEMBERS: Hear, hear!

MR. HICKEY: Thank you, Mr. Speaker.

Mr. Speaker, I rise in this hon. House to pay tribute to Henry Shouse, a

great man of Labrador, who passed away this week at the Labrador Health Centre

in Happy Valley-Goose Bay. Mr. Shouse left a legacy that few can match. Hank, as

most people knew, changed the face of Labrador, and in doing so, made history.

Mr. Speaker, Mr. Shouse spent most of his life in Labrador, first coming to

work at the American Air Base and then living in North West River. It is

interesting to point out that for many years the only way to visit the community

was by crossing the river in boat. Mr. Shouse was instrumental in having a

cable-car placed in North West River, providing a safe, year-round

river-crossing mechanism.

Mr. Shouse will be remembered as a lover of community, and as a visionary. He

played a pivotal role in the formation of the Trans-Labrador Highway. He fought

for it passionately when many said it could never happen. He saw what others

could not see at the time: that the highway would bring a true sense of

connectivity and a better quality of life for all Labradorians. Some of us

referred to Mr. Shouse affectionately as the "Godfather of the

Trans-Labrador Highway."

Mr. Speaker, Mr. Shouse had a deep and profound connection to Labrador that

was showcased through the tapestry of his exceptional life. He held positions of

councillor in both Happy Valley-Goose Bay and North West River. As well, he

served both as Deputy Mayor and Mayor of Happy Valley-Goose Bay.

His achievements are numerous and vast. Mr. Shouse was the driving force

behind the now classic Labrador Canoe Regatta. He was a tireless advocate for

equity in postal rates in Northern Labrador. He donated the first computer to a

local school in Happy Valley-Goose Bay. He regularly provided school bands with

donations of equipment. He owned a school bus service where, on top of his

regular bus driver duties, he would bring children from North West River to play

hockey in Happy Valley-Goose Bay and treat them at local restaurants.

Mr. Speaker, this is a sad day for all of us who knew Hank and his family.

Yet, we will remember Hank for all his great deeds and accomplishments. Every

time we travel on the Trans-Labrador Highway, whenever we visit the historic

community of North West River, or when we participate in the Labrador Canoe

Regatta, we will remember his life and his legacy. Mr. Shouse will always be

remembered as a true son of Labrador.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Signal Hill-Quidi

Vidi.

MS MICHAEL: Thank you very much, Mr. Speaker.

Mr. Speaker, it gives me great pleasure to stand in the House today and

recognize the Quidi Vidi Village Foundation's tenth anniversary.

The Quidi Vidi Village Foundation was founded in 1999 as a citizen's

movement to preserve the unique cultural and historical roots of the Quidi Vidi

area. During those ten years the Foundation has worked tirelessly to promote the

community and has been one of the most active and outgoing community groups in

the Province.

Mr. Speaker, since 1675 the Quidi Vidi gut has been an outport within the

city, and has remained as an important centre of fishing on the Avalon. In 1999,

in response to the perceived over-development of the area, concerned citizens

formed the Quidi Vidi Village Foundation to voice their concerns and to have

their voice heard within decision-making.

Since then, Mr. Speaker, it has been very active, hosting various events for

children and adults alike such as the annual Quidi Vidi Garden Party, Christmas

Breakfast with Santa, and dozens of other events and programs that help preserve

the closeness of this community. Not included in my notes, if anybody notices

the small park for children, the little playground up on top of the hill from

the gut, that is there because of the Foundation.

Judy Ryerson , present chair, and Barbara Mallard, the first chair of the

organization, are here today.

Mr. Speaker, I ask all members of this hon. House to join me in

congratulating the Quidi Vidi Village Foundation and their founding members on

their tenth anniversary, and their continuing devotion to this beautiful, unique

and historic community.

Thank you very much, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Placentia & St.

Mary's.

MR. COLLINS: Thank you, Mr. Speaker.

Mr. Speaker, I rise today in this hon. House to pay tribute to two volunteers

in the Town of Placentia. The names of Genevieve Follett and Frances Pearson

were recently announced by Governor General Michalle Jean as recipients of the

Caring Canadian Award. Only two other recipients received this award from our

Province. This award, which was created in 1996, honours people and groups who

provide extraordinary help or care to people in the community.

Jenny and Frances have dedicated countless hours to seniors in Placentia,

especially the residents at Lions Manor and the Placentia Health Care Centre.

They both volunteer daily at the centre and have done so for fifteen and twenty

years respectively. The assist in all aspects of the seniors' lives: from

recreation activities to comforting the ill and the dying. They are responsible

for bringing smiles to the faces of seniors, which, Mr. Speaker, is the only

reward they seek.

Mr. Speaker, Jenny and Frances represent the thousands of Newfoundlanders and

Labradorians who give so generously of themselves and their time to others.

I ask all hon. members of this House to join with me in congratulating Jenny

and Frances on this prestigious recognition and thank them and their colleagues

whose volunteer work make such a difference in the lives of so many.

Thank you, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Cartwright-L'Anse

au Clair.

MS JONES: Thank you, Mr. Speaker.

I rise in the House today to congratulate several youth from Mountain Field

Academy in the District of Cartwright-L'Anse au Clair who were recently

awarded prized in the Protected Areas Association's Wild Art Competition.

Mr. Speaker, the Protected Areas Association of Newfoundland and Labrador

held its twelfth annual Province-wide competition and announced its winners on

April 22, which coincided with Earth Day. The selections were made from 489

entries from seventeen schools throughout the Province and were judged by a

distinguished Newfoundland and Labrador artist and Protected Areas Association

patron Christopher Pratt. I would like to congratulate Taylor Rae Groves who won

first place in Primary division, Matthew Buckle who won first place in

Elementary division, and I am also proud to congratulate and recognize Michael

Thomas, a Grade 5 student, and Christy Groves, a Grade 12 student, who both

received honourable mentions.

Mr. Speaker, these recognitions speak volumes about the talent and the

quality of the arts program at Mountain Field Academy and I ask all members of

the House to join with me in congratulating these four students on their

accomplishments and all participants from across the Province on their efforts

and the awareness that they have created around protecting our wilderness.

MR. SPEAKER: The hon. the Member for the District of Baie

Verte-Springdale.

SOME HON. MEMBERS: Hear, hear!

MR. POLLARD: Thank you, Mr. Speaker.

I rise in this hon. House today to recognize and congratulate Kyle Hennebury,

son of Edward and Wilma Hennebury of Baie Verte. Kyle captured the gold medal in

the Industrial Millwright Mechanic Post-Secondary category at the twelfth Annual

Provincial Skilled Trade and Technology competitions held on April 3.

Kyle is a student in the multi-skills industrial trades program at the Baie

Verte campus of the College of the North Atlantic. He will now represent

Newfoundland and Labrador at the National Skills Canada competition held in

P.E.I. on May 20-24. In fact, he is speaking right now oh, I am sorry; he is

competing right now as I speak.

The graduate of Baie Verte High School was judged on four different

components: interpret, draw and assemble a hydraulic circuit; perform a rim and

face shaft alignment; interpret, assemble and align power transmission

components; and interpret and install spherical roller bearings.

Mr. Speaker, I ask all colleagues to join me in congratulating Kyle, his

instructors, and the Baie Verte College of the North Atlantic, for this

outstanding achievement and wish him success at the national competition.

Thank you, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Humber Valley.

SOME HON. MEMBERS: Hear, hear!

MR. KELLY: Thank you, Mr. Speaker.

I rise in this hon. House today to recognize recent accomplishments by

students at Lewisporte Collegiate and Elwood Regional High School. These

students have been participating in a provincial trivia game that was developed

by the Workplace Health, Safety and Compensation Commission, in partnership with

the Department of Education and Futures in Newfoundland and Labrador's Youth.

This game was designed to educate high school students about the importance

of workplace health and safety. Four school districts, involving eight schools,

have been competing for over $20,000 in scholarships and prizes throughout this

academic year.

The final competition was between Elwood Regional High, of which I am the

former principal, and Lewisporte Collegiate, in which the MHA for Lewisporte is

the former principal. Lewisporte Collegiate students won the competition on May

8, 2009. For winning, they received a cash prize of $10,000; $5,000 went to the

school and each of the five participants earned $1,000. The Elwood team placed

second and received $5,000 in prize money, with $2,500 going to the school and

$500 going to each of the five participants.

Mr. Speaker, I am happy to report that the two MHAs were present for the

final competition and retained their professional demeanour. The security was on

heightened alert but thankfully their services were not needed. Congratulations

to both schools, including students, teachers and program sponsors that have

been involved in bringing attention, in a positive manner, to the importance of

workplace, health and safety.

Mr. Speaker, this was indeed an excellent learning experience for all

involved and hopefully resources can be found so this exceptional program can

continue. Two proud MHAs in this hon. House would certainly enjoy the

opportunity of a rematch.

I ask all members of this hon. House to join me in congratulating Lewisporte

Collegiate and Elwood Regional High on their recent achievements.

Thank you, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The Chair would like to welcome the Chair and the past-Chair

of the Quidi Vidi Village Foundation, Ms Judy Ryerson and Ms Barbara Mallard.

Welcome to the House of Assembly.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: Statements by ministers.

Statements by Ministers

MR. SPEAKER: The hon. the Minister of Tourism, Culture and Recreation.

SOME HON. MEMBERS: Hear, hear!

MR. JACKMAN: Thank you, Mr. Speaker.

I rise today to inform the House of a significant investment that we are

making in our T'Railway Provincial Park system, Mr. Speaker, which was led by

Minister Johnson through the Budget process and we are very pleased with it..

In February of last year, Mr. Speaker, we became aware of structures spanning

both navigable and non-navigable waters which required attention to address

public safety issues. At the time, officials from the Department of Environment

and Conservation, along with bridge engineers from the Department of

Transportation and Works, conducted an assessment of the structures along the T'Railway

and developed a plan to address the concerns that were raised. I am delighted,

Mr. Speaker, that we will spend $2 million this year to remove and replace the

bridges that are an important part of this valuable trail system.

We are working in partnership with the T'Railway council, and tenders are

now in development for the removal of bridge structures at Bear Cove Brook,

Codroy North Branch, Morris Brook, Middle Brook, Robinson's River East, and

Robinson's River West. The tender has already closed for the removal of the

Crabbes River Bridge. Mr. Speaker, the T'Railway council has purchased five

new bridges and they will be installed at Middle Brook, Morris Brook, Codroy

North Branch, Robinson's River East and Robinson's River West.

Mr. Speaker, our government recognizes the significance and the integrity of

the T'Railway system and of the absolute importance of ensuring public safety.

We are committed to a provincial park system that provides a high-quality and a

safe outdoor experience for residents and non-residents, and we recognize the

integral role that the T'Railway plays in this system. We will continue to

monitor the long-term operational requirements and viability of the entire T'Railway

Provincial Park, and implement appropriate measures to ensure its

sustainability.

Government is committed, Mr. Speaker, to protecting our natural environment.

In fact, it is a priority for this government. We understand that a strong

provincial park system is key to helping us achieve our environmental protection

goals, while also contributing to the development of our Province's ecotourism

industry. We recognize the balance we need to strike as we develop means to

support the economic and social needs of residents and visitors in terms of our

natural areas, while also protecting ecosystems and significant features in our

parks.

Thank you, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Port de Grave.

MR. BUTLER: Thank you, Mr. Speaker.

I want to thank the minister for the advanced copy of the statement and to

say that we believe improving the T'Rails is a good initiative.

We know that public safety should be first and foremost and we know that many

tourists, many outsiders travel to our Province to use those rail beds, but, Mr.

Speaker, I cannot let this opportunity pass without saying that individuals in

our Province are still being charged fees for using the T'Rails with regards

to what was familiarly known as stickers but now we have it changed to markers,

and this was a promise government made back in 2004.

We know citizens tried to take this to court, I guess, and sue government

saying that this was an illegal tax, but the lawyers in the Province for the

government soon shut that down when they said that they demanded a down payment

of $30,000 just in case they lost in court. Meanwhile, the citizens are still

being charged for those markers. Since then, T'Rails has been extended well

beyond the old railway bed in traditional roads. As the minister stated, we do

have to strike a balance. We have to come up with economic and social reasons

for our citizens, but we also have to protect the ecosystem.

Mr. Speaker, I think that is all the more reason why we should soon hear some

word on the Outdoor Bill of Rights which was promised by this party back many

years ago, and this government now says they will not come forward with it.

Thank you, Mr. Speaker.

MR. SPEAKER: The hon. the Member for the District of Signal Hill-Quidi

Vidi.

MS MICHAEL: Thank you very much, Mr. Speaker.

I thank the minister for the advance copy of his statement.

Obviously, I am very pleased to see continued investment in this valuable

park system, which benefits both our own tourists provincially as well as

tourists from outside.

I am curious about the fact that the statement refers to only five of the

bridges being replaced. There is no word that Bear Cove Brook bridge will be

replaced and there is nothing about replacing Crabbes River bridge. I know that

people in that area, in particular, are concerned about Crabbes River Bridge

being replaced. I am wondering if this means that it is not going to happen. I

hope we are going to hear in the future that such is not the case.

I am glad to see that the government is concerned about the ecological

concerns, but one of the things I think we need to also remember is that these

trails have a very heavy ATV usage, and ATV safety continues to be an issue in

the Province. If we are going to continue to promote the T'Rails, as I think

we should, I think we are going to have to have a more aggressive educational

program to get people to more safely use their ATVs both on these T'Railways

as well as anywhere else.

Thank you very much, Mr. Speaker.

MR. SPEAKER: Further Statements by Ministers.

Oral Questions.

Oral Questions

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

Mr. Speaker, in March of this year our office distributed a questionnaire to

municipal leaders on the Provincial Waste Management Strategy, which involved

the elimination of Teepee incinerators and the amalgamation of two hundred plus

dumpsites into three engineered landfills, or, as we tend to call them, super

dumps. Mr. Speaker, 55 per of those responding municipalities stated that they

were not satisfied with the current direction of the plan and the cost

associated with it.

I ask the minister today, if she is aware of the level of dissatisfaction

with the department's Waste Management Strategy, and if there is a process

whereby municipalities can have their concerns dealt with.

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, I want to thank my colleague for the question.

We have waste management boards set up throughout the Province, and they are

working quite well. There is a group of volunteers that manages those boards,

and various municipalities are represented on that board, so they are moving. It

is a strategy that this government has invested over $200 million in. It is a

strategy that you cannot afford not to buy into.

We need to protect our environment. We need to protect it for our generations

today and for future generations, so there are a lot of things that have to be

worked out in these boards with various municipalities; but the cost to the

waste management, in some cases, is about $8 a household so the cost is not

exorbitant for the municipalities.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: Order, please!

The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

Under the policy direction of government, most of these municipalities are

aware that they have to sign on, close down their dumps and incinerators by a

certain deadline. Many of these municipal leaders have not been given answers on

what the cost detail of the strategy is, and what resources or supports will be

there to support them.

I ask the minister today: What cost analysis has the department done in the

implementation of the Waste Management Strategy for each of the regions, and if

you can table those figures in the House of Assembly?

MR. SPEAKER: The hon. the Minister of Tourism, Culture and Recreation.

SOME HON. MEMBERS: Hear, hear!

MR. JACKMAN: Thank you, Mr. Speaker.

I will certainly endeavour to get any cost analysis that has been done, but

one thing that is happening is that in various regions local boards have been

set up and they are progressing quite well.

In other regions, incinerators are still operating but within confined time

frames because agreements have been reached whereby they are moving ahead with

their Waste Management Strategy, closing out their sites and conjointly sharing

with other communities to go to one facility, and those have been granted

extensions to accommodate that.

Mr. Speaker, our intent here as a government, as the minister just said, we

have invested heavily in this. Look around. At one point there were some 250 of

these dumps around the Province. Right now there are below 200, so progress is

being made and we will continue to do so, Mr. Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

The concern that was outlined to us in the survey we did with these

municipalities is on the annual cost, the usage cost, of operating the

facilities.

Mr. Speaker, I ask the minister today: Can he confirm to the House that

information received from municipal leaders is indicating that the cost of

garbage collection and disposal has risen by nearly 500 per cent for some of

these municipalities over a period of three years?

MR. SPEAKER: Order, please!

The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, the municipalities have been expressing some

concern over the 100 kilometres transportation. We, as a government, have said

that we would certainly look at that, so we are aware of the cost. In some cases

I have been told that it works out to somewhere in the vicinity of half a cup of

coffee in some cases - that is what it boils down to - to protect our

environment.

There are figures available to the boards that they have been talking on the

boards. We are aware of the cost with regard to over 100 kilometres and we will

address that as a government.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

These municipalities are concerned. It is not that they do not want to

participate in an environmentally-friendly program, Minister; it is the fact

that they have to pay for it and pay extraordinarily for it in some cases, such

as the one I just indicated.

Municipal leaders are also not being given a choice with regard to the

Provincial Waste Management Strategy. We learned from one town, the Town of King's

Point, that they have been denied approved funding for their roadwork for not

signing on to this strategy.

I ask the minister: Are there other communities besides King's Point that

are being denied approval of capital works money on the basis of not signing on

to this agreement?

MR. SPEAKER: Order, please!

The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, there is no municipality being denied their

capital works program. There is a process in place where they have to submit

their applications for any of their capital works.

I will say to the Opposition Leader that the capital works program we are

rolling out with this strategy in waste management, this year alone we have

invested $43 million in Robin Hood Bay on the Avalon.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Again, I cannot emphasize enough in this House of Assembly how

important it is to move forward with this Waste Management Strategy, and from

all indications the boards are doing just that in the Province and they are

addressing all of the issues pertaining to cost (inaudible).

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: Order, please!

The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

Mr. Speaker, it is a very serious issue for municipalities, I say to the

members opposite, but municipalities have seen no increase in their Municipal

Operating Grants and, in fact, over a period of time their operating costs have

actually tripled.

I ask the minister: Without the increases in the MOGs, how are these

municipalities which have a declining population base, as we know from the

recent statistics, how will they afford the rising costs of garbage collection

and disposal as is being forced upon them by government right now?

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

I say to members that the Chair is having great difficulty hearing the

questions and hearing the responses. I ask for your co-operation.

The hon. the Minister of Municipal Affairs.

MS WHALEN: Thank you, Mr. Speaker.

Just in answer to your question, there have been no cutbacks in our MOGs. In

fact, this year the municipalities are experiencing a 13 per cent increase in

their MOGs.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

MS JONES: Many of the town officials also expressed to us their

disappointment that the new gas tax secretariat has no autonomy to dispense the

federal Gas Tax Funds for such things as helping them with garbage disposal and

collection in transportation, despite the fact that it is an

environmentally-focused program.

Minister, I ask you: Why are the municipalities unable to access their

portion of the federal Gas Tax Fund for this purpose, and is that a decision of

your department or is it a decision of the federal government?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, the Gas Tax Fund is a federal program and there

are also guidelines set down by the federal government of what they are able to

do with that gas tax.

I have heard the concerns of the municipalities and we are going to endeavour

to work with the federal government to see if we can have some flexibility with

regard to those guidelines.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker

We had town clerks, as well, express to us that they almost felt panic as to

what will happen to their council and senior residents when the Waste Management

Strategy is implemented in some regions, all because of cost again.

I ask the minister: Has government considered any regulatory rate process

that could be used for waste management in the Province so that people are not

penalized based on where they live, or the distance in which their garbage needs

to be transported under your particular strategy?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, we are quite conscious about the cost with regard

to this strategy. We would not be investing $200 million in this strategy if we

did not think it was necessary, but the Province cannot afford not to buy into

this. We are fifteen years behind our counterparts in other parts of the

country.

I will say to the hon. member, that we work together with the municipalities,

with our boards, we will indeed address the cost and it will be relevant and

affordable to our citizens.

Thank you.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

While the minister says we cannot afford not to buy into it, I do not dispute

that, but you have to realize that you have many municipalities in this Province

with declining population and declining tax regimes and yet you are expecting

them to pay more money for services.

Mr. Speaker, the Minister of Environment had asked that the teepee

incinerators in the Province be closed down -

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

MS JONES: - for business on December 30 of last year. It could not have

happened, Mr. Speaker, at that time.

I ask the minister today: What has changed that now you are able to meet a

June 30 deadline to have all these teepees closed?

MR. SPEAKER: The hon. the Minister of Tourism, Culture and Recreation.

SOME HON. MEMBERS: Hear, hear!

MR. JACKMAN: Mr. Speaker, the municipalities are as interested as we are

in closing down these incinerators. Everybody recognizes stuff that gets spewed

out of these things and we are very much at a different place than we were

twenty-five years ago, Mr. Speaker.

What is happening at this particular point is that the municipalities are

working through the waste management strategy and working with government to

iron out the plan as to how they can close these incinerators. Our intent is to

have them closed, it was our intent, will be, and these will be closed out, Mr.

Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

We have already been made aware of one town in the Province who has been

granted an exemption to the June 30 deadline. We are also aware that the Towns

of Port aux Basques, Twillingate, Grand Bank, and Fortune have also applied for

extensions on their teepee deadlines.

So I ask the minister today: What is the plan? Are you going to grant the

exemptions to these towns or not? Of course, one of their concerns again is to

do with the financial cost.

MR. SPEAKER: The hon. the Minister of Tourism, Culture and Recreation.

SOME HON. MEMBERS: Hear, hear!

MR. JACKMAN: Mr. Speaker, I am going to give her a number now, that if we

can have it by June 30 it will be quite a success. If it all works out, we are

going to have twenty of them closed by the end of June, Mr. Speaker. The plans

are in place and we are working with those municipalities. We certainly hope

that we will, maybe we will not, but the thing about it, Mr. Speaker, is that we

are progressing. Look at the money that was invested in waste management in the

former government as compared to what is invested now. Two hundred million

dollars, Mr. Speaker, is a sizeable amount and shows our commitment to cleaning

up the environment.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

The June 30 deadline is their deadline, not mine.

I ask you again minister, for the Town of Port aux Basques, the Town of

Twillingate, Grand Bank and Fortune, who have already asked for exemptions,

given the fact that there is no infrastructure in place for reducing and

handling their waste at this time and no financial assistance for the increased

cost associated with it, I ask you, minister: What is your response to those

towns?

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

I ask members to stop their shouting back and forth the House.

The hon. the Minister of Tourism, Culture and Recreation.

SOME HON. MEMBERS: Hear, hear!

MR. JACKMAN: Mr. Speaker, the thing about it, in the cases that she has

identified, is the towns are not operating in isolation. We are working with

them. That is the reason for granting the extension, but our intent is to have

them closed.

So, Mr. Speaker, we will continue to work with them, the plans are in place,

and as they unfold we will see what we have to do.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

Well, twice I have asked the minister if he is going to grant them an

extension, obviously he has not made up his mind or he would be answering the

question.

Mr. Speaker, Municipal Affairs identified themselves $12.7 million in the

2007-2008 Budget that was announced and committed for infrastructure for

municipalities that never got spent. They also identified $7.2 million in

municipal federal-provincial infrastructure money that was allocated and never

got spent. They also identified $3 million under the gas tax program for that

year that did not get spent. That was $23 million that was announced in this

Province in 2007-2008 that did not flow to municipalities.

I ask the minister: What is being done now to ensure that monies that get

budgeted and get announced for municipalities actually reach their towns and

infrastructure gets done?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, we have invested $103 million worth of municipal

infrastructure works in this budget alone.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Just recently we announced seventy-one projects affecting

forty-six municipalities in this Province. Just two weeks ago, with the federal

minister and myself, and Minister Taylor we rolled out that program. We also

announced a number of projects with Senator Manning with the federal government

and our contribution.

So we have made investments in our municipalities. We are going to continue

to make those investments to see that they have a standard of living.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

I say to the minister, there was $23 million that you announced in 2007-2008,

too, that never reached into municipalities. Also, Mr. Speaker, in 2008-2009 the

government opposite budgeted $31 million for municipal infrastructure under the

same agreements and only $19 million of it ever got spent in municipalities.

I ask the minister today: Why did $12 million from this program, although it

was committed and announced, not get spent in that budget year and will it be

spent this year?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, we are spending, as I just told the hon. member,

$103 million in provincial is budgeted for this 2009-2010 Budget. We are

continuing to spend with our municipalities. We are continuing to invest in

infrastructure, water and sewer, roads. We have worked very closely with our

municipalities. They make an application. In fact, this year we have even

streamlined their application to make it much more simpler that they can get

their work done.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

Once again, my question is about the fact that money is being announced,

money is being allocated, money is not getting into the municipalities. Mr.

Speaker, in last year's budget there was $52 million for the gas tax program.

Only $40 million of it was ever allocated.

I ask the minister: Why did the department hold back the other $12 million in

that fund, and will it be committed this year or can municipalities still apply

for it?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, the municipalities for the gas tax has to make an

application to Municipal Affairs, and outlined in that application they had to

do ISCPs, and there is an audit and accountable to the federal government. So in

some cases - and I do not know, hon. member, if this is the case, but in some

cases municipalities have not completed that paperwork and they would not be

entitled to that gas tax, but once they complete the paperwork their gas tax

money will be allotted to them.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: So the minister is saying that the reason the money was not

spent is because the municipalities did not do their work. Well, Mr. Speaker,

the program this year, the federal gas tax program this year has $62 million in

it and it has a deadline by the federal government that says it has to be spent

by 2010.

So I ask you, minister, if for the last two years in this Province we could

not get out half that amount of money to municipalities, how do you plan this

year to ensure that the $60 million allocated under this program for

municipalities will be spent before the deadline of 2010?

MR. SPEAKER: The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, I would just like to back up and say to the hon.

member that I did not say the municipalities were not doing their work. There

are some municipalities that have not completed (inaudible).

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, I have hired a new official in my department to

look after the gas tax program to help the municipalities that require help with

getting their paperwork done.

Thank you.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Leader of the Opposition.

MS JONES: Thank you, Mr. Speaker.

They may have gotten in on time if they did not change the rules twice since

the program was implemented, and implement new criteria that they had to meet on

two different occasions.

Mr. Speaker, this government has a record of announcing municipal

infrastructure money but not always following through on the delivery of it, and

that is our concern.

In light of the fact, Minister, that there is stimulus money out there this

year, I ask you today: What process will you implement in this Province to

ensure that we have a tracking system of municipal infrastructure money so that

municipalities know when it is being committed, where it is being committed, and

when it will be spent?

MR. SPEAKER: Order, please!

The hon. the Minister of Municipal Affairs.

SOME HON. MEMBERS: Hear, hear!

MS WHALEN: Mr. Speaker, this government has made changes in the way that

the programs are rolled out. In fact, in our department alone we have gone

through pre-engineering with the projects in the fall and in the winter so that

we can get our tenders out early and get our work done.

Thank you.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you, Mr. Speaker.

My questions are for the Minister of Innovation, Trade and Rural Development.

Mr. Speaker, the call centre industry is being impacted by

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you, Mr. Speaker.

There is an old saying, when the cat is away the mice will play and the

kids will play, in this case, today.

Mr. Speaker, the call centre industry is being impacted

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER: Order, please!

For the final time this Question Period, the Chair is going to appeal to

members who are shouting and continually disrupting not only the person asking

the question but the person answering it as well.

There are important questions being asked, there are important answers being

given, and I ask members, for the final time this Question Period, to please

uphold the rules of the House.

The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you, Mr. Speaker. I appreciate your protection.

Mr. Speaker, the call centre industry is being impacted by global economic

conditions. Last week, Teletech in Mount Pearl announced that they were

experiencing problems and would shut down unless they could secure new

contracts. We are now hearing from other call centre employees who are fearful

of their operations also being impacted.

I ask the minister: Have you been contacted or given any indication by these

other call centres that they may, in fact, be experiencing some difficulties as

well?

MR. SPEAKER: The hon. the Minister of Innovation, Trade and Rural

Development.

SOME HON. MEMBERS: Hear, hear!

MR. SKINNER: Thank you very much, Mr. Speaker.

Mr. Speaker, we obviously are living in a global economy. The work that is

being done by the contact centres is work that is reaching throughout the world.

They are competing for contracts across the world. In some cases they win those

contracts and we have good employment, and in some cases they may lose the odd

one and their employment numbers may fluctuate a little bit. That is the nature

of the business and the industry that they are in.

In terms of whether or not I have been contacted by other operations to

discuss what is happening with them, I do not feel that it would be appropriate

for me here in the House to discuss the business of those other contact centres

and I will not give any indication of that at this time.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you.

With all due respect, Mr. Speaker, if it is public money into any business I

would think the minister has a responsibility to advise the public. Never mind

not talking about them. If these people are receiving public funds they should

be talked about and the answer should be given.

Mr. Speaker, call centres such as Teletech were receiving public funds, money

to subsidize the rates that they paid their employees. Teletech is the second

call centre to close in the past year. We had an incident in Carbonear; ICT

closed and there was a loss of 150 jobs, several months ago. The minister

recently stated that the current subsidy program may need to be reviewed to see

what improvements can be made.

I ask the minister: Is government still committed to the subsidy program? If

so, what aspects of the program are you, in fact, reviewing?

MR. SPEAKER: The hon. the Minister of Innovation, Trade and Rural

Development.

SOME HON. MEMBERS: Hear, hear!

MR. SKINNER: Mr. Speaker, in terms of commenting on the operations of any

business that may be involved with government, I have no difficulty speaking to

any public money that government may have involved in any companies in the

Province, and certainly it would be my place to do so, but I am not going to

speak about the operations, the private and confidential operations of private

companies out in the workforce that we have here and the industry that we have

here. I think it would be irresponsible and inappropriate to do so.

In terms of are we committed to the contact centre industry, we certainly

are. We are committed to the programs that we have in place and we do a review

of those programs on a regular basis to determine whether or not we can improve

upon them. I myself have visited a number of contact centres in the last little

while to talk to the management team to see whether or not the programs that we

have in place are addressing their needs, and based upon the feedback that I

have received we may be making some changes in the future but I have some more

visitations that I will be doing.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you, Mr. Speaker.

Given the minister's need for secrecy I will pose the question in such a

way that hopefully we can get some indication from him. Mr. Speaker, I ask the

minister: Have you been given any indication whether the other existing call

centres are, in fact, looking for additional incentives in order to maintain

their operations during the current recession? Have you been approached and

asked for additional incentives to support these existing call centres?

MR. SPEAKER: The hon. the Minister of Innovation, Trade and Rural

Development.

SOME HON. MEMBERS: Hear, hear!

MR. SKINNER: Mr. Speaker, I just want to point out, first of all, I have

no need for secrecy. I do, however, respect the confidentiality of the

businesses that I deal with, and I will continue to respect that

confidentiality.

In terms of any of those businesses coming forward and asking government for

any further subsidies or any enhancements, at this point, there has been no

direct communication with the department. However, I have indicated, in my

previous answer, that I have been visiting contact centres and a number of

things have been discussed but there has been no official representation in that

regard.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Signal Hill-Quidi

Vidi.

MS MICHAEL: Thank you very much, Mr. Speaker.

Potential crisis in the Province's health care system continue to exist. We

have been made aware that not-for-profit and private ambulance operators have

been without a contract since April, 2008.

Mr. Speaker, at this moment twenty-two rural community-based ambulance

operators, representing one-third of all the ambulances in the Province, are

waiting for an agreement between government and the ambulance operators. Some of

the community-based operators are running out of funding to provide emergency

medical services because of government's foot-dragging. Many Newfoundlanders

and Labradorians are in danger of not receiving critical care at the moment they

need it most.

Mr. Speaker, I ask the Minister of Health and Community Services: Will this

government move quickly to rescue this service before another disaster hits our

health care system?

MR. SPEAKER: The hon. the Minister of Health and Community Services.

SOME HON. MEMBERS: Hear, hear!

MR. WISEMAN: Yes, Mr. Speaker.

MR. SPEAKER: The hon. the Member for the District of Signal Hill-Quidi

Vidi.

MS MICHAEL: Mr. Speaker, that is the shortest answer we have ever gotten

from the Minister of Health and Community Services. So let me ask him a question

that he will not be able to say yes or no to.

I am aware, from the not-for-profit operators, that there has been no joint

meeting of the not-for-profit operators and the private operators since January

19, and the not-for-profit operators do not know what is happening.

Mr. Speaker, some of the not-for-profit community ambulance operators are at

a breaking point. In plain terms, some groups cannot afford to keep ambulances

on the road. They need funding for fuel, insurance coverage for the staff and

equipment repairs, very basic requirements. Some have even borrowed money

MR. SPEAKER: Order, please!

I ask the hon. member to pose her question.

MS MICHAEL: Yes, I have a question, Mr. Speaker, and I will ask it.

They have borrowed money that they do not even know if they are going to be

able to return.

So I am asking the Minister of Health and Community Services: Will he please

tell us why this government is not aggressively working towards a contract that

will allow ambulance operators to provide essential emergency services?

MR. SPEAKER: Order, please!

The hon. the Minister of Health and Community Services.

SOME HON. MEMBERS: Hear, hear!

MR. WISEMAN: Mr. Speaker, I was attempting to lead by example by having a

very short answer but unfortunately the member opposite did not pick up on it

and a very long

preamble into a question. So I will take the same indulgence and

give her a fairly lengthy answer.

Mr. Speaker, the issue of ambulance operations in this Province has been

something that our government has taken very seriously. If you look at the

investments we have made in ambulance services in this Province, investments we

have made in our emergency services, Mr. Speaker, speaks volumes I think for our

commitment to that industry.

Next week, I believe, Mr. Speaker, is the next - the member opposite asked

questions about negotiations and where that might be. Next Wednesday I believe

is the next meeting of the negotiating team, representatives from Treasury

Board, representatives from the ambulance industry, representatives from my

department are going to be together next week for what might be, I think, might

be the second if not third time that they have been together trying to work

through an agreement. We acknowledge there is an agreement that has been in

place. It has expired but we are attempting to have a new one in place, Mr.

Speaker.

SOME HON. MEMBERS: Hear, hear!

MR. SPEAKER: The hon. the Member for the District of Signal Hill-Quidi

Vidi.

MS MICHAEL: Mr. Speaker, as I indicated, we know from the not-for-profit

operators that they have not been invited to a meeting since January 19.

Can the minister please tell us who exactly is going to be at the meeting

when it comes to the ambulance operators?

MR. SPEAKER: The hon. the Minister of Health and Community Services.

SOME HON. MEMBERS: Hear, hear!

MR. WISEMAN: It is really important, Mr. Speaker, when you ask questions

in the House to do some research. There are two different things here, Mr.

Speaker. The member opposite is talking about what might be an ongoing liaison

committee that takes place on - because within that industry there is a

relationship between the department and the industry and there is a liaison

committee, a working group of representatives from each of the associations,

together with representatives from my department who work on issues on an

ongoing basis. That is one entity that currently exists.

The second piece, Mr. Speaker, which was the focus of her question, where are

we with respect to negotiations. There is a negotiating team and the negotiating

team is made up of representatives from Treasury Board, my department,

Department of Health and Community Services, and each of the ambulance service

industries in the Province, Mr. Speaker. So they are meeting next week. Now with

respect to other groups, Mr. Speaker -

MR. SPEAKER: Order, please!

The time allotted for questions and answers have expired.

Presenting Reports by Standing and Select Committees.

Tabling of Documents.

Tabling of Documents

MR. SPEAKER: The hon. the Minister of Finance and President of Treasury

Board.

MR. KENNEDY: Mr. Speaker, pursuant to

section 26(5)(

a) of the Financial

Administration Act, I am tabling three Orders in Council relating to funding

precommitments for 2010-2011 to 2013-2014 fiscal years.

That is it, Mr. Speaker.

MR. SPEAKER: Further tabling of documents?

Notices of Motions.

Notices of Motion

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I give notice under Standing Order 11 that I shall

move that the House not adjourn at 5:30 p.m. on Monday, May 25, 2009, and

further I give notice under Standing Order 11 that I shall move the House not

adjourn at 10:00 p.m. on Monday, May 25, 2009.

MR. SPEAKER: Further Notices of Motion.

The hon. the Minister of Child, Youth and Family Services.

MS BURKE: Thank you, Mr. Speaker.

I give notice that I will ask leave to introduce a bill entitled, "An

Act To Amend The Adoption Act, The Child Care Services Act, The Child, Youth And

Family Services Act, And The Regional Health Authorities Regulations, Bill 35.

MR. SPEAKER: Further Notices of Motion.

Answers to questions for which notice has been given.

Petitions.

Petitions

MR. SPEAKER: The hon. the Opposition House Leader.

MR. KELVIN PARSONS: Thank you, Mr. Speaker.

I appreciate an eleventh opportunity to present a petition on behalf of the

residents of Southwestern Newfoundland with respect to the lack of dialysis

services that exist in that particular area.

At any given time, we have nine to ten residents and this has been the

history now for years who travel to Corner Brook to get this service. It is

an obvious three-hour trip at best, and in winter time it is usually more than

that. Quite often they get in and don't get back, and quite often they can't

get in due to the weather conditions.

There is no question that the need to have such a service available in the

community exists. It has been proven to the officials at Western and it has been

proven to the officials in the department that the need exists, so that is not a

question. The question is: How do we go about solving the problem? There have

been several solutions offered. The people out in that area, particularly the

officials at the Charles L. Legrow Health Centre who deal with this day in and

day out, and the people in Corner Brook I believe the nephrologist in Corner

Brook and the Chief of Staff in Port aux Basques are putting together a proposal

to deal with the issue.

The question is: We have never had much support before from the department.

We have seen an acknowledgement by the department. They have tried to help out

in other places. They have done a piece of work up in St. Anthony, they have

done a piece of work in Grand Bank, and I believe in Carbonear, but, Mr.

Speaker, the people of Southwestern Newfoundland deserve no less. In fact, they

have equally onerous circumstances when it comes to travel as any of those

people located in those other areas, particularly when it comes to Carbonear,

for example. I certainly see no distinction or why they had a worse case

scenario in Carbonear.

I say to the minister, and for the benefit of the Member for Gander, who

might have confused what I said yesterday, what I did say yesterday in regard to

fundraising, is that the people of Southwestern Newfoundland are prepared to pay

totally for their equipment themselves.

All they are saying is, if government can see themselves clear to provide

some money and funding in that regard it would be much appreciated, but do not

let the money be a hang-up to provision of the services.

The second comment I made was about the training that is required, and the

staff in that area in Port aux Basques are prepared to undergo the time that it

takes I believe it is somewhere between a six- and ten-week course to be

properly trained to do the service.

So, if you have the equipment - we obviously have the need - and you have the

people who are prepared to do the training, I do not know why the Department of

Health would not be prepared to commit to it and we have a place to do it.

For example, we have a facility in Port aux Basques which can accommodate that

particular service.

So, again, we implore the minister to please deal with this issue, look at

it, and at least show that he is making some attempt to familiarize himself with

the issue and hopefully see some resolution to this problem.

Thank you, Mr. Speaker.

MR. SPEAKER: Further petitions.

The hon. the Member for the District of Port de Grave.

MR. BUTLER: Thank you, Mr. Speaker.

I stand today with another petition with regard to the Long Island causeway,

a petition that has been brought forward by the residents not only of Long

Island but from various towns throughout that immediate area. Mr. Speaker, it is

on behalf of the residents, as well as the Long Island Causeway Transportation

Committee.

As I stated before, those individuals on that particular Island had a service

by ferry for twenty-six years, and in March 2009 that service was shared with

Little Bay Islands. They have no problems with the residents of Little Bay

Islands having their right to a ferry service as well, but what they are saying

is that previously when they had the regular ferry service they would get a

crossing, I think it was every hour, and this was an agreement they came to in I

think it was 1983, in lieu of a causeway.

Now we know that this particular ferry service that they agreed to back

twenty-six years ago is not in operation any longer, and they explained to us

that one of the key components to it is the medical assistance. Under the

previous transportation system they would have a half-hour wait for an

ambulance, and now, with the shared service, it could be as high as three to

four hours.

Another issue that they have is they are asking that government at least

restore the ferry service back to what it was and to instruct officials to

determine the cost of a causeway.

We have also been informed by residents that there are over 100 individuals

who derive a living from the sea. Millions of dollars from the fishing industry

enter the economy each and every year. What they are saying, I think the fish

collectors make approximately 140 trips to the Island and many days they cannot

connect with the ferry service that is there now because the fishers are late

coming in, in the evenings, probably as late as 7:00 p.m., 8:00 p.m. and 9:00

p.m., and the last ferry for them is around 9:00 p.m. So, it is a major problem

they have with regard to the fishing activity and getting their product to

market.

Mr. Speaker, with those few words I just want to say that we hope that

government, once they meet with the residents and the committee from Long

Island, will take into consideration their concerns and look at the possibility

of a fixed-link between Long Island and Pilley's Island.

Thank you, Mr. Speaker.

MR. SPEAKER: Further petitions.

Orders of the day.

Orders of the Day

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move Motion 5, pursuant to Standing Order 11,

that this House not adjourn at 5:30 p.m. today, Thursday, May 21, 2009.

Further, Mr. Speaker, I move Motion 6, pursuant to Standing Order 11, that

this House not adjourn at 10:00 p.m. today, Thursday, May 21, 2009.

MR. SPEAKER: The motion is that this House not adjourn at 5:30 o'clock

today, Thursday, May 21.

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

Motion carried.

MR. SPEAKER: A further motion is that this House not adjourn at 10:00

p.m. today, Thursday, May 21.

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

Motion carried.

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Finance

and President of Treasury Board, to ask leave to introduce a bill entitled, An

Act To Amend The Liquor Control Act. (Bill 32)

I further move that the said bill be now read a first time.

MR. SPEAKER: It is properly moved and seconded that the hon. the Minister

of Finance and President of Treasury Board shall have leave to introduce a bill

entitled,

An Act To Amend The Liquor Control Act, Bill 32, and that this bill be

now a first time.

Shall the hon. minister have leave to introduce Bill 32, and shall this bill

be read a first time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, nay'.

The motion is carried.

Motion, the hon. the Minister of Finance and President of Treasury Board to

introduce a bill, "An Act To Amend The Liquor Control Act," carried.

(Bill 32)

CLERK: A bill,

An Act To Amend The Liquor Control Act. (Bill 32)

MR. SPEAKER: Bill 32 has now been read a first time.

When shall Bill 32 be read a second time?

MS BURKE: Tomorrow, Mr. Speaker.

MR. SPEAKER: Tomorrow

On motion, Bill 32 read a first time, ordered read a second time on tomorrow.

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of

Education, to ask leave to introduce a bill entitled, An

Act To Amend The Memorial University Pensions Act . (Bill 33)

I further move that the said bill be now read a first time.

MR. SPEAKER: It is properly moved and seconded that the hon. the Minister

of Education shall have leave to introduce a bill entitled,

An Act To Amend The

Memorial University Pensions Act, Bill 33, and that this bill be now read a

first time.

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

Motion, the hon. the Minister of Education to introduce a bill, "An Act

To Amend The Memorial University Pensions Act," carried. (Bill 33)

CLERK: A bill,

An Act To Amend The Memorial University Pensions Act.

(Bill 33)

MR. SPEAKER: Bill 33 has now been read a first time.

When shall Bill 33 be read a second time?

MS BURKE: Tomorrow, Mr. Speaker.

MR. SPEAKER: Tomorrow.

On motion, Bill 33 read a first time, ordered read a second time on tomorrow.

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Finance

and President of Treasury Board, that Bill 3,

An Act To Amend The

Labour-Sponsored Venture Capital Tax Credit Act, be now read a third time.

MR. SPEAKER: It is properly moved and seconded that Bill 3,

An Act To

Amend The Labour-Sponsored Venture Capital Tax Credit Act, be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 3 be now read a

third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Labour-Sponsored Venture Capital Tax

Credit Act. (Bill 3)

MR. SPEAKER: Bill 3 has now been read a third time and it is ordered that

the bill do pass and that its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Labour-Sponsored Venture Capital

Tax Credit Act," read a third time, ordered passed and its title be as on

the Order Paper. (Bill 3)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Health

and Community Services, that Bill 8,

An Act Respecting Chiropractors, be now

read a third time.

MR. SPEAKER: It is moved and seconded that Bill 8,

An Act Respecting

Chiropractors, be now read a third time.

Is it the pleasure of the House to adopt the motion that Bill 8 be now read a

third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act Respecting Chiropractors. (Bill 8)

MR. SPEAKER: Bill 8 has now been read a third time and it is ordered that

the bill do pass and that its title be as on the Order Paper.

On motion, a bill, "An Act Respecting Chiropractors," read a third

time, ordered passed and its title be as on the Order Paper. (Bill 8)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of

Education, that Bill 9,

An Act To Amend The Student Financial Assistance Act, be

now read a third time.

MR. SPEAKER: It is moved and seconded that Bill 9 be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 9,

An Act To

Amend The Student Financial Assistance Act, be now read a third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Student Financial Assistance Act.

(Bill 9)

MR. SPEAKER: Bill 9 has now been read a third time and it is ordered that

the bill do pass and that its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Student Financial Assistance

Act," read a third time, ordered passed and its title be as on the Order

Paper. (Bill 9)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of

Government Services, that Bill 10,

An Act To Amend The Highway Traffic Act, be

now read a third time.

MR. SPEAKER: It is moved and seconded that Bill 10 be now read a third

time.

Is it the pleasure of the House that Bill 10 be now read a third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Highway Traffic Act. (Bill 10)

MR. SPEAKER: Bill 10 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Highway Traffic Act," read

a third time, ordered passed and its title be as on the Order Paper. (Bill 10)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Health

and Community Services, that Bill 12,

An Act To Amend The Pharmacy Act be now

read a third time.

MR. SPEAKER: It is moved and seconded that Bill 12 be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 12,

An Act To

Amend The Pharmacy Act be now read a third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Pharmacy Act. (Bill 12)

MR. SPEAKER: Bill 12 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Pharmacy Act," read a third

time, ordered passed and its title be as on the Order Paper. (Bill 12)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Justice

and Attorney General, that Bill 13,

An Act To Amend The Children's Law Act be

now read a third time.

MR. SPEAKER: It is properly moved and seconded that Bill 13 be now read a

third time.

Is it the pleasure of the House to adopt the motion that Bill 13 be now read

a third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Children's Law Act. (Bill 13)

MR. SPEAKER: Bill 13 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Children's Law Act," read

a third time, ordered passed and its title be as on the Order Paper. (Bill 13)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Municipal

Affairs, that Bill 14,

An Act To Amend The City Of St. John's Act be now read

a third time.

MR. SPEAKER: It is properly moved and seconded that Bill 14 be now read a

third time.

Is it the pleasure of the House to adopt the motion that Bill 14,

An Act To

Amend The City Of St. John's Act be now read a third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The City Of St. John's Act. (Bill 14)

MR. SPEAKER: Bill 14 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The City Of St. John's Act,"

read a third time, ordered passed and its title be as on the Order Paper. (Bill

14).

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of Justice

and Attorney General, that Bill 15,

An Act To Amend The Legal Aid Act be now

read a third time.

MR. SPEAKER: It is moved and seconded that Bill 15 be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 15 be read a

third time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

The motion is carried.

CLERK: A bill,

An Act To Amend The Legal Aid Act. (Bill 15)

MR. SPEAKER: Bill 15 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Legal Aid Act," read a

third time, ordered passed and its title be as on the Order Paper. (Bill 15)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. the Minister of

Health and Community Services that Bill 17,

An Act To Amend The Tobacco Control

Act be now read a third time.

MR. SPEAKER: It is moved and seconded that Bill 17 be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 17 be read a

third time?

All those in favour?

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against?

The motion is carried.

CLERK: A bill,

An Act To Amend The Tobacco Control Act. (Bill 17)

MR. SPEAKER: Bill 17 has now been read a third time and it is ordered

that Bill 17 do pass and that its title be as on the Order Paper.

On motion, a bill, "Act To Amend The Tobacco Control Act," read a

third time, ordered passed and its title be as on the Order Paper. (Bill 17)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. the Minister of

Justice and Attorney General that Bill 18,

An Act To Amend The Judicature Act be

now read a third time.

MR. SPEAKER: It is moved and seconded that Bill 18 be now read a third

time.

Is it the pleasure of the House to adopt the motion that Bill 18 be read a

third time?

All those in favour?

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against?

The motion is carried.

CLERK: A bill,

An Act To Amend The Judicature Act. (Bill 18)

MR. SPEAKER: Bill 18 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Judicature Act," read a

third time, ordered passed and its title be as on the Order Paper. (Bill 18)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. Minister of

Innovation, Trade and Rural Development that Bill 20,

An Act To Amend The

Research And Development Council Act be now read a third time.

MR. SPEAKER: It is properly moved and seconded that Bill 20 be now read a

third time.

Is it the pleasure of the House to adopt the motion that Bill 20 be now read

a third time?

All those in favour?

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against?

The motion is carried.

CLERK: A bill,

An Act To Amend The Research And Development Council Act.

(Bill 20)

MR. SPEAKER: Bill 20 has now been read a third time and it is ordered

that Bill 20 do pass and that its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Research And Development Council

Act," read a third time, ordered passed and its title be as on the Order

Paper. (Bill 20)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, I move, seconded by the hon. the Minister of

Justice and Attorney General that Bill 28,

An Act To Amend The Provincial Court

Act, 1991 be now read a third time.

MR. SPEAKER: It is properly moved and seconded that Bill 28 be now read a

third time.

Is it the pleasure of the House to adopt the motion that Bill 28 be read a

third time?

All those in favour?

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against?

The motion is carried.

CLERK: A bill,

An Act To Amend The Provincial Court Act, 1991. (Bill 28)

MR. SPEAKER: Bill 28 has now been read a third time and it is ordered

that the bill do pass and its title be as on the Order Paper.

On motion, a bill, "An Act To Amend The Provincial Court Act,

1991," read a third time, ordered passed and its title be as on the Order

Paper. (Bill 28)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, we would like to call from the Order Paper, number

15, second reading of a bill,

An Act Respecting Credit Unions. (Bill 11)

MR. SPEAKER: It is moved and seconded that Bill 11,

An Act Respecting

Credit Unions, be now read a second time.

Motion, second reading of a bill, "An Act Respecting Credit

Unions." (Bill 11)

MR. SPEAKER: The hon. the Minister of Government Services.

MR. O'BRIEN: Mr. Speaker, I move, seconded by the Minister of Aboriginal

Affairs, that Bill 11,

An Act Respecting Credit Unions be now read a second

time.

Mr. Speaker, this is a very important act in regards to what it does to the

regulations and the legislation pertaining to credit unions. Credit unions have

been in Newfoundland and Labrador the first act was proclaimed on December

21, 1995. This act here, in regards to these amendments, is the department's

ongoing commitment to reduce red tape and balance the legislation. We found, in

regards to reviewing this particular act, that the act needed upgrading to meet

the frequent changes that have been occurring in the financial industry.

Certainly, this piece of legislation, as I just indicated, governs twelve

credit unions with forty branches operating in the Province, with assets of over

$630 million. I must note as well, that in spite of the global economic slow

down, credit unions in our Province continue to do well with 2008 being a record

setting year.

Also, credit unions provide banking services, very, very important banking

services to rural Newfoundland and Labrador. We find most of our credit unions

are located in rural Newfoundland. We have also seen, over the years, the

conventional banks pull back branches from rural Newfoundland. One in

particular, down in the district of Trinity North, if I can remember right, in

New-Wes-Valley, one of the conventional banks pulled back a couple of years ago.

So these credit unions provide an essential service of banking to those

people. It is this government's intent to make sure that credit unions have

the support of government and the legislation and the regulations, to help them

work in an efficient manner and provide those services to the people of

Newfoundland and Labrador.

Now this act, for the most part, is mostly administrative in nature and

reduces red tape for the system. It removes some administrative requirements

from legislation and places them under the responsibility of the board of

directors of credit unions, where it should be, because this reflects also the

authority of the credit union system in the Province.

We consulted with credit unions on these changes and they fully endorse them.

In addition, they specifically asked the department to look at changing

legislation to allow them to sell life insurance products in their branches.

With that, Mr. Speaker, I will go down through some of the minor changes that

are addressed in regards to these amendments. I also would like to say that we

would, in this act, we also are asking for the repeal of the Credit Union

Deposit Guarantee Corporation regulations, which will be incorporated within the

credit union regulations themselves, where they should be to as well. That is a

change too as well that we saw that needed to happen. So we certainly recommend

that piece of work to be done too as well here this afternoon.

The minor policy changes that are included in the amendments of the act is

the one that is under

section 7(2) of the act, to allow credit unions to enter

into joint service agreements. What that does is it allows continuous service of

their customers when they move from jurisdiction to jurisdiction, because under

the current act there is an issue there in regards to if somebody from one

jurisdiction moves to the jurisdiction of another credit union they cannot carry

out their normal banking transactions. So this allows that to happen and it is

certainly no minor change but a very necessary change too as well.

Also, we have under

section 134(2)(

b) I believe and 134(4)(2) of the act, we

recommend changing the protocol governing amalgamation of credit unions too as

well.

At present, under the amalgamation they are allowed to amalgamate but they

cannot proceed if an individual creditor with a claim of $1,000 or more objects

to that amalgamation. I think this is prohibitive to the credit unions because

sometimes the amalgamation of a credit union is required and is in the best

interests of the members to have this happen because it strengthens their

particular credit union and makes them more financially sound and they work in a

very transparent and accountable manner thereof.

Also, we found that the rationale for this change is that the creditor

liabilities only represent an insignificant portion of any credit union's

overall liabilities. At the end of financial year 2006-2007, creditor payables

represented only 0.7 per cent of all liabilities as compared to member deposits

which represented 99.3 per cent, which I think multiplies into 592.3 million of

all liabilities. So the proposed change is designed to preclude a small creditor

or a group of small creditors from blocking amalgamation that would otherwise be

in the best interest of the credit union members and the creditors themselves.

The big time creditors too could be blocked in regards to that and it would be

in the best interest if the credit unions in particular would amalgamate.

Also, we have a change in one of the regulations, 16(2)(b). We have proposed

an increase to the term of statutory liability instruments from one year to five

years. To cut that short, really what that means is that the credit unions now -

any liquidity instruments are now protected under the credit union system

national liquidity pool, but also now that you have increased the time frame

from the one year to five years it enables the credit union to invest wisely and

certainly have a higher rate of return in regards to the investments on that

liquidity pool. So this is very important too as well because it also

strengthens their financial foundation.

Under the act too as well, we have a proposal which permits any interested

parties or the superintendent to revive a defunct credit union, which we - right

now. So we propose to remove that because there is no reason to retain such a

provision, as a dissolved credit union retains no assets. So why would you have

that there in regards to reviving that credit union? They would go through the

normal process of making application to the Department of Government Services in

regards to reinstating a credit union in that particular jurisdiction.

We also would like to strengthen the authority of the superintendent in areas

under the act right now in regards to appeals from a credit union. The

particular credit union would make the appeal to the minister, which I am

advised by my officials - which I feel is kind of in a conflict of interest

because my mind may be set at a certain degree, I guess, on the issue. What we

think should happen in this process is that any appeal should go straight to the

courts. So we strengthen the authority of a superintendent in that regard.

We also brought in amendments which provides for fines - which brings it

really into modernization, what to fine in regards to the financial world. Just

to give an example, we propose changing these fines from $1,000 to $10,000 for

individuals and $10,000 to $50,000 for corporations. They are no longer

effective and deterrents for breaches under the act. So we propose them too as

well.

So these are some of the minor changes in regards to that act, but the

substantial policy change would be the allowing of wealth management tools to be

exercised by a credit union. What that means is that credit unions now will be

able to sell other types of wealth management insurances to their members. I

might point out right from the beginning, that this only applies to their

members. A person like myself, or a person, probably other people and my

colleagues in this House of Assembly today, would not be able to walk in off the

street and buy wealth insurance from a particular credit union. You have to be a

member of that particular credit union in order to avail of that service.

Also, I want to point out that that only constitutes 9 per cent of the

population of Newfoundland and Labrador. So what I am saying is that out of the

whole population base, the adult population base in Newfoundland and Labrador,

there is only 9 per cent of that population base that are now members of a

credit union. So there is only 9 per cent of the population that would be able

to go in and buy extra product from a credit union.

I also want to point out that credit unions now are doing that, but under the

current legislation, they have to do that in a parallel type operation. As a

matter of fact, in most credit unions they are right next door. The two

buildings or the two operations are closely connected with a door in between. So

in other words, you go in and do your banking on one side, and then you go

through the door and then you buy wealth products on that side of the wall.

We think that that is unnecessary. We think that is a financial burden,

really, to the normal operations of a credit union. So, we certainly see that as

prohibitive in regards to a credit union having a firm foundation and able to

carry out their transactions without any extra costs. I point that out again,

that they are actually doing that at this particular time. So this only just

streamlines it really.

Anyways, I should at this particular time also say that yes, we had

representation. We had consultation on the process and we sent out letters to

the insurance companies, the Sun Lifes of the world, and they have really

expressed concern over this, because they say that it could be attached to tied

selling. Tied selling is that yes, we would give you your mortgage but we want

all your other business too as well, in regards to your life insurance and

whatnot.

We do not see that. We looked at the Quebec model. They have been doing it

now for a number of years. Also, we looked at the B.C. model, and there are a

number of credit unions that are providing this type of service too as well, and

we see no data. There is no evidence of that.

Also, in regard to tied selling, there are provisions under other acts that

prevent and prohibit credit unions from doing that type of transaction or even

contemplating that type of transaction, and they could be prosecuted under that

particular provision under that particular act.

Also, credit unions are now selling portions of wealth management, such as

mutuals. All we are going to add in this particular bill is life, disability,

annuities, segregated funds, and that kind of stuff.

I also want to point out that it doesn't include home and auto. That will

not be included. That is a whole different ballgame. There is a high risk game

there. They are not interested in regard to home and auto because it is very

prohibitive to their operations. I indicated to credit unions that, as the

minister responsible, I wouldn't be entertaining any proposal that would

include home and auto at this particular time, or any time in the future for

that matter.

Also, there were, with regard to the insurance industries, concerns. They

see, I guess, that we are giving credit unions the ability to transact some of

the normal business that they do on a day-to-day basis. As I just referenced, in

BC and Quebec data showed that it had no downward affect in regard to any of the

business that was being transactioned by the private brokers nor the insurance

companies themselves. We didn't see that as a problem.

We addressed the tied selling. We don't see that as a problem either, and

we will monitor that. I also want to reference that anybody who would be deemed

as the person responsible for the selling of that type of insurance will have to

meet any education or training that is under the regulations now pertaining to

anybody in the insurance industry. They will have to meet all those regulations

before they will be able to sell, no differently than the private operator as

well.

I anticipate that some credit unions will sell and some credit unions will

not, but I think it is an important aspect of the actual amendments. The simple

reason is that most of the credit unions are located in rural Newfoundland and

Labrador and there are not a whole lot of brokers out there selling insurance.

We also found, in regard to national surveys, that the selling of insurance

in regard to classes of people has shifted as well. We found that low to medium

income people have now been certainly included, or have actually decreased in

regard to the amount of insurance being bought by those people. Mostly the

insurance companies concentrate on the wealthy people because they buy, and it

is not as hard a sell as what you would find in regard to low to medium income.

So now these people, the members, and only the members, in rural Newfoundland

and Labrador, will have that ability to be able to buy such insurance from their

credit union location. That is only if they are a member.

There are some things in regard to the clarity in the act as well that

streamlines it and certainly makes it clearer. It enables credit unions to know

exactly what they have to do under the legislation and under the regulations,

and that is very important as well from an operational point of view.

I think I have covered most of it, Mr. Speaker. Again, we have forty branches

across the Province, and thirty-one of them are located in rural areas, and

their assets reach approximately $407 billion in rural and there are 198 rural

employees with salaries and benefits totalling $7.4 million in rural

Newfoundland and Labrador. So credit unions are very important to the rural

fabric of Newfoundland and Labrador.

SOME HON. MEMBERS: Oh, oh!

MR. SPEAKER (T. Osborne): Order, please!

MR. O'BRIEN: Certainly, I believe that this is a very important piece of

legislation in regard to the amendments and the proposal thereof.

MR. SPEAKER: Order, please!

The Chair is having some difficulty in hearing the speaker that is recognized

and I would ask the co-operation of all members of the House.

MR. O'BRIEN: Thank you, Mr. Speaker.

With that I am going to finish, and I welcome any comments by my colleagues

across the House.

MR. SPEAKER: The hon. the Member for Port au Port.

MR. BUTLER: Port de Grave.

MR. SPEAKER: The hon. the Member for Port de Grave.

MR. BUTLER: Not a problem, Mr. Speaker.

Let me say it is a pleasure to be able to stand today and have a few comments

with regard to Bill 11,

An Act Respecting Credit Unions.

As the Government House Leader mentioned, there are 197 clauses and I do not

think I will take each one individually and go through them all but there are a

few comments I do want to make because this is a very detailed piece of

legislation, as the minister mentioned, a very important piece of legislation

governing a very important group of individuals who are classified here in our

Province as the credit unions.

Mr. Speaker, as I stated, there are 197 clauses in relation to this Bill 11,

and the bill would revise and consolidated the laws respecting credit unions

under various headings. We have headings with regard to incorporation of credit

unions, capacity and powers that they are governed by, with regard to

registration of their offices and their records. There is a

section with regard

to membership, and the directors and officers that operate those credit unions,

returns of financial disclosures, any fundamental changes. It goes into with

regard to liquidation. It even covers off on penalties and offences and

compliance and supervision.

Mr. Speaker, this act will be cited as the Credit Union Act, 2009. Once you

do a bit of study with regard to some of those bills and pieces of legislation

it becomes very interesting in some of the documentation you come across, not

altogether pertaining to the bill itself but how credit unions were formed and

where they began.

We know that a credit union is a co-operative financial institution that is

owned and controlled by its members, and the minister already stated that with

regard to the membership, and they operate for a purpose: promoting thrift,

providing credits at reasonable rates, and providing financial services to its

membership.

We know that is happening in quite a few areas throughout our Province, in

rural Newfoundland as well as in our major centres, and many credit unions exist

to further community development as well, but they vary in sizes, the credit

unions. They range from volunteer operations with a handful of members to

institutions with several billion dollars in assets and hundreds of thousands of

members.

It is very interesting to note that the modern credit union's history dates

back, I think, to approximately 1852. The very first one was established in

Germany, and the first credit union in North America, anything I could find on

it, was in Quebec. The minister has already mentioned how they have watched the

progress and the development of credit unions in Quebec, and many of the changes

and the governance of this particular bill are brought about through what has

happened in other jurisdictions.

The one in Quebec began on January 23, 1901; and, believe it or not, they

began with a ten-cent deposit. So they started out very small, but let me assure

you that since that time they have developed.

The gentleman who started the first one was a reporter in our Canadian

Parliament. He was moved to take up this mission in 1897 when he learned of an

individual from Montreal who had been ordered by the courts to pay nearly $5,000

in interest on a loan of $150. So it came from a very minor beginning when

someone had a loan of $150 and the interest on it was $5,000, and that is what

prompted this individual to get a credit union formed to protect the money

borrowed.

Also mentioned in the legislation is not-for-profit status. That is very

interesting, because all too often when we hear about not-for-profit we think

about organizations that are in our Province and so on. Not-for-profit with

credit unions should not be confused with not-for-profit charities of similar

organizations, because credit unions are not-for-profit because they operate to

serve their members rather than to maximum the profits. Unlike non-profit

organizations, credit unions do not rely on donations. They must turn what is,

in economic terms, a small profit to be able to continue to serve their members.

As the minister mentioned, the credit unions are of various sizes.

Canada has the highest per capita use of credit unions in North America, with

more than one-third of the population enrolled. That is very important. Even

though I know the minister mentioned, I thought he said here in the Province it

was 9 per cent, but then again 9 per cent, I guess, from a beginning back in

1995, I thought the minister said, we can see that is advancing and rightly so.

As the minister also mentioned, I learned that it is very heavily

concentrated in Quebec. In Quebec they call them the people's banks. Also,

they are very popular in western parts of our country, in British Columbia in

particular.

As of December 31, 2007, those people's banks, as they refer to them in

Quebec, have in excess of $144 million in assets with 5.8 million retail

members, so it is a very large operation. It makes, as a matter of fact, the

sixth largest financial institution in Canada. You can see, Mr. Speaker, when we

talk about these credit unions, they are becoming a force to reckon with. In the

United States, as of 2005, credit unions have 86 million members, which is 43

per cent of the economically active population. They are very large and very

popular in the United States as well.

We know, Mr. Speaker, that here in Newfoundland and Labrador we have thirteen

credit unions, but some of those unions have various branches throughout the

Province as well. You can only imagine, with the thirteen credit unions that we

do have here in the Province, the value with regard to assets in those. The

membership, we know, is 9 per cent. Not only that, but it is the jobs that they

create for people in the various communities where those credit unions are set

up.

Mr. Speaker, as I said, this bill would revise and consolidate the laws

respecting credit unions. We know that clause 197.(1) of the Credit Union Act

will be repealed by this new act, and the Credit Union Deposit Guarantee

Regulations are also to be repealed, and the Proclamation bringing the Credit

Union Act into force in Newfoundland and Labrador is being repealed. The

commencement of this act, once this law passes, will come into force fairly

soon, July 1, 2009.

Mr. Speaker, it is worth noting that this new act is really a clean up of the

old act because I think there are approximately fifty sections removed from the

old act that were no longer needed or in effect. We see government, and in

particular the Department of Government Services, taking a lot of the

legislation where they govern so many different aspects here in our Province,

they are cleaning up the acts and making familiar changes with regards to that;

150 pieces, just imagine.

This act will give more responsibility to the board of directors of the

credit unions in general, and really, less to government. You are also giving

them a little freer hand, and I guess like we hear from time to time,

eliminating some of the red tape.

Legislation also allows credit unions flexibility to be a part of whatever

association they so desire, and the minister explained that earlier in his

opening comments.

One of the major policy shifts in this legislation is that it is allowing

credit unions to now sell life insurance. The minister explained that and also

said that other types of insurance would not be included at this particular

time;

whereas before, the credit unions had to do this through subsidiaries.

Because of that, they are saving on cost, I guess, with regards to having

separate offices and so on. The minister noted that Quebec is the only other

province that has allowed this to go on for years.

Just as a point of note, I am glad to see the minister is taking particular

notice to Quebec on this issue, and hopefully he will keep following up on

another issue, that is services in the wintertime and what they are doing in

Quebec with regards to the tires. I just say that with tongue in cheek, Mr.

Minister.

Also, Mr. Speaker, the department, we know this because and another thing

I want to say, that the officials within this department, any time we have

legislation coming through and we want to be briefed on it, we are always given

that honour of having someone explain various issues once we do the research on

it and if we need any particular follow up. We know, from that process, that the

department had consulted about the changes. Really, the only concerns that were

expressed, and he already touched on that, is with regards to other life

insurance brokers who are concerned that they may lose some business. Like the

minister said, it is only the 9 per cent who are members here in our Province

are able to avail of buying life insurance through the credit unions. I guess

the upside to that is more competition and better prices for our consumers, and

that is also a thing we always have to keep in mind and is very important.

We know that through the credit unions here in the Province that we have some

forty branches. I think it is approximately 52,000 members, of which 35,000-plus

are from rural Newfoundland and Labrador. So it is an issue that we see those

credit unions spread right throughout our Province. I saw a list of them. I do

not have it here in front of me but really they are from one end of our Province

to the other, as well as Labrador. The payroll of $15 million and deposits of

approximately $600 million, that is what is dealt with through the credit unions

here in our Province; a staggering figure, I have to say.

Mr. Speaker, I just want to touch on briefly the application process for

credit unions, and some of this is covered off in the legislation. You have to

apply through a committee which is made up of various members, including

government. You present your business plan with a - I think it is a minimum of

500 members with a deposit of $100 each. This would be a starting point if

someone wanted to start that process. In most cases, it ended up being branches

of credit unions instead of an actual credit union, and we know that there are

different branches. Credit unions and branches were small in nature but now they

have become highly recognized institutions that are becoming competition for

some larger banks. Like I said, some of the major numbers that are used in

British Columbia and Quebec are that is a known fact.

There are a lot of mergers in credit unions. For example, there is a

Newfoundland and Labrador Credit Union who is a member of the British Columbia

and Ontario, central cases. So we see not only are they in their own provinces

but they are tied and working in relation to individual credit unions in other

jurisdictions. However, others are with the Atlantic Central, which is made up

of Atlantic provinces.

So you see, Mr. Speaker, there is quite a bit of documentation with regards

to the 197 clauses and all the various subsections, and as noted before, this is

a good piece of legislation. It is a cleaning up of the old act, which I guess

is an issue that has to be dealt with from time to time. The only issue, and

maybe the minister did touch on this because I remember him making some comment

there but I was distracted for a little while, and that is not very hard for me

sometimes. I thought it was mentioned that some people had a question with

regards to membership. I thought they put it forward to the minister, and maybe

you did mention that there a little bit earlier with regards to local credit

unions, with regards to if you were a member of one credit union and being

transferred to the other. I think that was an issue that was brought forward,

and I think you did address it but I did not get your response. So probably in

your closing remarks you could touch on that again.

With that, Mr. Speaker, that will conclude my comments with regards to Bill

11,

An Act Respecting Credit Unions.

Thank you very much.

MR. SPEAKER: The hon. the Member for Signal Hill-Quidi Vidi.

MS MICHAEL: Thank you very much, Mr. Speaker.

I am quite pleased to stand and speak to Bill 11,

An Act Respecting Credit

Unions, and I thank the minister for the full explanation that he gave of the

act.

Before speaking directly to the act, I would like to raise an issue that I

remember raising before in the House with regard to bills. This bill,

unfortunately, only had as an explanatory note: "This Bill would revise and

consolidate the law respecting credit unions." That was the explanatory

note which really did not explain anything about clauses in the bill. We have

had other bills which have three and four pages of explanatory notes. Actually,

one the other that was similar to this one in terms of the intent of the bill of

consolidating it, we still had several pages of notes.

When the explanatory notes are not there it means our researchers have to

spend time in contacting people inside of the ministry involved to ask

questions. While we did that, and I have to say that the ADM responsible who

spoke with my researcher was very, very helpful and gave very detailed

information and some of the information that the minister raised today, but it

would be helpful if those explanatory notes were included. Then we can read them

and if there is a specific question than we can just call and ask the answer to

a specific question, but it takes a lot of time when there is absolutely nothing

there and the researchers have nothing to go on and they have to call and go

from scratch. So I would like to raise that issue and hope that the House Leader

and ministers may think about giving further direction to ministries with regard

to the explanatory notes of bills. I am aware of the fact that it is not

necessarily the ministry that drafts the bills. I think it may be the Department

of Justice, and I think I am right on that one.

The ADM, for example, who we spoke to, was surprised that there were no

explanatory notes with regard to this particular bill. I just want to point that

out because we do have limited resources in reading bills and I think we have an

obligation to read every bill. I do not think that we are there just to rubber

stamp. We want to read every bill. We want to know what the legislation is. We

want to know what it is we are standing for, so being assisted by having good

explanatory notes helps at least this party anyway, the third party, helps us to

be better prepared and make sure that we know what it is that we are passing. I

wanted to make that note first, Mr. Speaker.

I am not going to go through all the details, obviously. The minister did a

good job of explaining some of the issues with regard to the red tape reduction,

which I think is good. We do not want unnecessary bills, and the fact that the

amendments that would have had to have been made would have required so much

work it was actually easier to come up with a new bill than to do all those

amendments. I think that is the way to go; and taking regulations out of the

bill as well is also the way to go.

I am going to speak particularly to two points, I think, Mr. Speaker; I think

it is two in particular. One has to do with the insurance. We were told by the

department - and we can say yes, that happens - we have been told that there has

been lobbying by the insurance industry objecting to Bill 11 and the whole thing

around insurance. I can say yes, we have had some of those letters also written

to us, but I have to say that I absolutely agree with the ministry with regard

to the insurance issue because, number one, it is not new, as has been pointed

out by the minister and pointed out by my colleague from the Official

Opposition. The credit unions have always been able, through a subsidiary, to

sell insurance to their members, so there isn't anything new here, and they

will not have the ability to sell to anybody else.

The other thing is that the majority of the credit unions, thirty-three out

of forty-five, are rural, so the majority of the credit unions in this Province

are serving rural populations where you do not have, in many cases, insurance

offices present in a community. In some cases you may have an individual

insurance broker, but in a lot of communities you do not even have that, so they

may have to drive an hour or more to go to an insurance company.

Even with technology today, and even being able to communicate through

electronic technology, people still need to have a face-to-face connection,

especially when it comes to insurance. There are a lot of questions to ask, et

cetera, so I think allowing the credit unions to sell insurance without going

through the extra red tape, really, a nuisance, of setting up a subsidiary,

having a separate entrance they are probably in the same building but a

separate entrance - separate staff, it makes absolutely no sense. I have to say

that I certainly am not sold by the arguments that have been presented to me by

the insurance companies who have written us. So, try though they might, I do not

think they have a leg to stand on when it comes to this issue.

As well, it is my understanding, and I think I am correct on this I am,

actually that the provinces who are not doing this, who have not made this

change it is only Quebec who does this that the provinces who have not

made this change continue to be guided by the federal Bank Act. The federal Bank

Act only forbids banks from selling insurance. Credit unions are not included

under the same regulations. So, in actual fact, the provinces that say they will

not do it because of the federal Bank Act, that is not even valid to use that as

an excuse for not allowing insurance to be sold through the credit unions.

That is something that I would point out to the insurance companies, and I

will probably take the time to write the insurance companies who did write me,

to explain to them why I support this bill, because I think this bill is for the

good of the people in the Province, the good of people in rural Newfoundland. It

is a service to them, and that is very important.

The other thing that I would like to talk about is the whole thing of the

credit union centrals and the barriers to starting new credit unions. The reason

I want to speak to this issue is because we have had some communication from

people in the co-operative movement not in the credit union movement, though

the credit union is a co-operative, but that is a particular co-operative

and there are people in the co-operative movement who have concerns about credit

unions becoming too large, and losing the focus that credit unions originally

have, which is service to the community; service to the members and service to

the community.

There are some concerns that the larger that credit unions get, and the more

branches that a credit union has, the more a credit union will start acting like

a big bank and will lose the values of service to the community.

So, when we were told by the Department of Government Services that the move

toward branches of the existing credit unions seemed to be the way that things

were going to go in the future, I have to say, I personally had some concerns

and people from the co-operative movement expressed concerns to me as well.

Because, yes, it is easier to set up a branch and set up a new credit union, but

if there are 500 people in a community willing to set up a credit union it seems

to me that the spirit of the credit union movement would be better served by

having separate credit unions.

I am wondering: Is any tracking going on, either provincially or through

ACOA, in terms of Atlantic Canada with regard to how much of a move this is,

this move towards branches rather than new credit unions? I bring it up because

it has been raised to me by people in the co-op movement and I agree with their

concern.

For example, one of the places spoken about with us was Bell Island. Credit

unions have said that a branch on Bell Island is not viable; that if a branch is

not viable a credit union will not be viable either. The problem is that so many

people commute daily to St. John's and use banks in the city.

The thing is they use banks in the city because their bank was closed down on

Bell Island. My point is, if Bell Islanders came up with 500 people, and met all

of the criteria, then why wouldn't they be allowed to form a credit union? Why

should they be - and I am using the word force, not knowing if force is actually

happening - but why should they be coerced into becoming a branch of another

credit union, especially when a larger credit union, like the NLCU, the

Newfoundland and Labrador Credit Union, might say to them a branch is not going

to work, and the NLCU is saying it based on the fact well, all of you people

bank in St. John's. Of course they do, because that is the only place they

have to bank.

I am wondering, especially with the move towards having an Atlantic central,

which a lot of our credit unions are going to join, in my understanding -

Newfoundland and Labrador Credit Union will not. They are going to stay

connected with the B.C. central, but I think the other credit unions in

Newfoundland and Labrador are going to join the Atlantic central.

I am wondering, does ACOA, for example, have I do not think it does, so I

should not even put it that way. I do not think they do have a paper on credit

union development, some principles, some guidelines, something that would guide

credit union development in Atlantic Canada; because one of the strengths of the

credit union here in Newfoundland and Labrador - and I know it is true over in

the three Maritime Provinces - is that the credit unions are serving rural

Newfoundland and Labrador, and we should be doing everything to ensure that we

continue having credit unions support the rural development in our Province as

well as in the other Atlantic Provinces.

I would be concerned if we started to see no new credit unions but more and

more branches, simply because of that concern with regard to what happens if a

credit union becomes so large that it loses contact with the community. Because,

you know - and I say this from personal experience - when you are a member of a

very large credit union, unless something really awful is happening, you do not

feel compelled even to go to AGMs, to annual general meetings.

Unfortunately I know because I am a member of the NLCU and very often the

message comes and I find out that I am not free on that night so I cannot go

anyway, but I do think that if AGMs happen in a smaller community you do have

more of a sense of people wanting to go to them. So, if you just have a branch

of a large credit union in a smaller community - the AGM is for the whole of the

credit union, so the meeting is probably taking place in St. John's, for

example, or Corner Brook - people from the branches are not going to be

encouraged then to go to annual general meetings. That is one of the ways in

which the credit union can lose the basis of what the whole principle of what

credit unions are about.

That one is more a sense of saying, is the ministry involved in looking at

the whole thing around what is happening. I am sure they are with regard to in

Atlantic central, but also with regard to where we are headed, what could be

happening with regard to the lack of growth of new credit unions.

I think, Mr. Speaker, that, along with my comments on the insurance - which

basically was not a question; it was to say that I totally support the insurance

becoming a service inside of the credit union - these are the main comments that

I have to make. I would be interested in the minister giving some sense of

whether or not the ministry is looking at the growth of branches as opposed to

new credit unions.

Thank you very much, Mr. Speaker.

MR. SPEAKER: The hon. the Minister of Government Services.

If he speaks now he shall close debate.

The hon. the Minister of Government Services.

SOME HON. MEMBERS: Hear, hear!

MR. O'BRIEN: Thank you, Mr. Speaker.

Certainly, as reflected by comments by my colleagues across the House, this

is a very important piece of work that we are doing here in regard to

strengthening credit unions, particularly giving them the chance of growth and

the chance of a firmer foundation, a stronger foundation in rural Newfoundland

and Labrador, and certainly providing banking service to our rural areas now

that we find conventional banks over a number of years - we seen a pull-back of

those types of services and branches in those particular areas.

They fully understood the issues surrounding the wealth insurance, and the

selling of wealth insurance through credit unions as well, and I believe the

hon. Member for Port de Grave wanted me to make a few comments in regard to what

I believe he was referring to as joint service agreements which allow members to

move across jurisdictions and still retain the services of a credit union from

one area to another.

That is reflected in this amendment to the act, and that will be allowed as

soon as this piece is proclaimed. I think it is very, very important that you

allow that because, once a member, they would like to remain a member and they

would like to avail of any services from a credit union regardless of the

jurisdiction that they may be in.

I should also say, and I do not think I actually said it outright in my

opening remarks, that the concerns of the insurance industry were not lost on me

in regard to their concerns, not at all, especially from a broker position. You

must remember that the insurance industry as it is in Newfoundland and Labrador

is reflected around a broker system. They sell insurance for the big insurance

companies such as Sun Life, as I keep referring to because I have done a lot of

business with Sun Life myself over the years. I have mortgages, I have all kinds

of banking services through that particular company, and they provide a fair

number of banking services that you would find in a conventional bank or in a

credit union. The only thing that you cannot have, or one of the only things

that you cannot have, through an insurance company is a personal account that

you put money in or you take money out on a particular day or on a particular

week; but, in regard to availing of most of the banking services as provided by

banks today, and credit unions, you can avail of that.

Again, from a broker's position, their concerns were not lost on me at all.

I listened carefully and I received a lot of correspondence, but I was not

convinced that it would have that kind of a detrimental effect on their

business. They are professionals in their own right. I have a financial advisor

myself, that I have had for a lot of years, and I will continue to use that

financial advisor regardless if I was a member of a credit union or not; because

they are, as I said, very astute, very in tune to the markets. Why would you

move from one to the other when you have that kind of a service? So I do not see

that kind of a shift happening just because a credit union is allowed to do it.

I do not have concerns about the tied selling. We have provisions in other

legislation, in other acts, that govern that. I cannot see credit unions move

into that for the simple reason that they operate under a professional service

as well.

I think the hon. Member for Signal Hill-Quidi Vidi had some concerns or she

wanted to raise a concern that she has, to myself as the minister responsible,

in regard to the expansion of credit unions as compared to branches of credit

unions. Yes, we do follow that. Each and every credit union application is

evaluated on its own application, on its own merits, and we do take that into

consideration when we evaluate. If a credit union has enough members, they have

the liquidity, they have the assets and they have everything else that they

need, we have no objection to a credit union being established in its own right

in any jurisdiction.

In saying that, the reason why you are seeing branches of credit unions is to

enable the various credit unions across Newfoundland and Labrador, and even in

B.C. or even in Quebec, in regard to the branches, it gives them a firmer

financial foundation. Once they start to grow in regard to their asset levels,

which are governed by the number of branches and the number of members that they

may have, you will see a much stronger financial foundation. It will enable them

to provide more services. It will give them more assets to deal with, so they

become very important to the people they are servicing, especially in a branch

area, because the branch area may not be able to grow in that regard and have

the assets that they would have in a joint partnership type of deal. That is the

reason why you see the branch level expanding as compared to the actual credit

unions, and that is all dictated by population as well. You might see more

actual credit unions in a more densely populated area or jurisdiction than you

would in regard to Newfoundland and Labrador. That is just the nature of the

beast.

I hope I answered the questions that were raised by my hon. colleagues across

the House. I certainly welcome their support and I certainly welcome their

comments.

With that, Mr. Speaker, I will sit and we will move to the next piece of work

to be done.

MR. SPEAKER: It is moved and seconded that Bill 11 entitled,

An Act

Respecting Credit Unions, be now read a second time.

Is it the pleasure of the House that the said bill be read a second time?

All those in favour, 'aye'.

SOME HON. MEMBERS: Aye.

MR. SPEAKER: All those against, 'nay'.

Carried.

CLERK: A bill,

An Act Respecting Credit Unions, Bill 11.

MR. SPEAKER: This bill has now been read a second time. When shall the

said bill be referred to a Committee of the Whole House? Now? Tomorrow?

MS BURKE: Now, Mr. Speaker.

MR. SPEAKER: Now.

On motion, a bill, "An Act Respecting Credit Unions," read a second

time, ordered referred to a Committee of the Whole House presently, by leave.

(Bill 11)

MR. SPEAKER: The hon. the Government House Leader.

MS BURKE: Mr. Speaker, Order 16,

An Act To Amend The Income Tax Savings

Plans Act, Bill 19. We will now go into second reading.

MR. SPEAKER: The hon. the Minister of Government Services.

MR. O'BRIEN: Mr. Speaker, I move, seconded by the Minister of Aboriginal

Affairs, that Bill 19,

An Act To Amend The Income Tax Savings Plans Act, we now

read a second time.

MR. SPEAKER: It is moved and seconded that Bill 19 entitled,

An Act To

Amend The Income Tax Savings Plans Act, be now read a second time.

Motion, second reading of a bill, "An Act To Amend The Income Tax

Savings Plans Act." (Bill 19)

MR. SPEAKER: The hon. the Minister of Government Services.

MR. O'BRIEN: Mr. Speaker, this is really just an amendment to reflect the

tax free savings account that was announced by the federal government in their

budget shortly after Christmas. As most of the people in Newfoundland and

Labrador, especially my colleagues here in the House, know, it enables Canadians

age 19 or older to save up to $5,000 a year in that account. This is not

taxable. It is a tax free savings account, and proceeds taken from the account

are not taxable as well. Also, contributions are not deductible for income tax

purposes.

We currently allow beneficiaries to be named. Prior to a will being probated

or read, a person who has RRSPs or RIFs can designate a beneficiary and they can

avail of the assets that are in those accounts prior to any will, just as long

as they are named as the beneficiary.

Certainly, what this amendment reflects is the same. It allows anybody who

would have those tax free accounts under the federal act, to also be able to

name the beneficiary, and that beneficiary will be able to avail of any of the

assets that are held under those TFSAs outside the process of a will upon de

Document details

CollectionNewfoundland and Labrador — Debates (Hansard)
Citation2009-05-21
Typehansard
Volume / chapter2009-05-21
Languageen
Formathtm
SourcePROVINCIAL
Identifier9050b2554d92bacaeff7be670000fc4521ecd964

Source file is stored in the law ingest library (htm).