Showing posts with label regulations. Show all posts
Showing posts with label regulations. Show all posts

Tuesday, October 05, 2021

Rupert Hotel December 1989*

In light of Toronto City Council further delaying making necessary reforms to rooming house regulations I've updated my poem Rupert Hotel December 1989*.  To learn more see John Michael McGrath's piece at https://www.tvo.org/article/why-does-toronto-exist-and-what-is-it-for

 

         Gordon was sorry
        but it was tough keeping warm
and he’d had some to drink
so setting fire to those papers
on the floor in the middle
of his second-floor room
made some kind of sense.

thestar.com

At the Rupert Hotel,
a three-storey brick walk up
in a licensed city rooming house
off Queen Street East
at Parliament
those with few options
and few dollars could exist,
in a way.

Gordon’s warming fire soon leapt out of control
flames and choking smoke filling the corridors.
        As the fire gained full possession of the hallways
that license pinned to the wall
wasn’t worth the paper
it was printed on
as far as the protection it afforded
those 31 tenants
at the Rupert
that wintry December night.

A sprinkler system might have helped;
could have halted the fire’s progress.
And the tenants could have taken some action
if the alarm system had been operable
or if fire extinguishers 
stored in the basement were reachable.

Seventeen long minutes passed 
before someone called 911.
When firefighters arrived 
the whole building was enveloped.
Flames leapt out of top floor windows.
Fearless firefighters using ladders forced their way
into the searing heat of the second floor.

Later a witness called it
“A Vision out of Hell.”
As the fire raged people screamed, 
cried out for friends.
It took six hours and eighteen crews 
to subdue the blaze.
Thankfully, some tenants were saved 
and many escaped.

For days crews chopped through ice 
and sifted through debris to locate bodies.
They found nine men
and a woman who had returned to the building 
to help a friend.
Donna Marie Cann died, 
as the others had
from heavy smoke inhalation.

Soon an inquest was held.
Recommendations were made
new rules created
regulations established
housing planned.

After a while all was forgotten.
Rules and regulations lapsed,
were ignored or opposed
and the programs ended.

In the city today austerity policies
compel people to rent rooms
in perilous and dangerous buildings.
Many flee the downtown
to illegal suburban homes
where life is cheaper.

*There were fires at 69 illegal rooming houses in the Toronto area between 2013 and 2017 according to the Fire Marshal. At a meeting in October 2012 as City Council delayed once again taking action on licensing, it was reported that there have been 16 fatal rooming housing fires in Toronto between 2010 and 2020 and 14 fatalities were in unlicensed rooming houses. 


Wednesday, September 09, 2015

Regulating the Predatory Lenders

Ward Three Councillor Matthew Councillor Green (pictured to the right) has a motion coming to Hamilton City Council on Wednesday September 9th.  The motion is requesting authority from the Province for the City of Hamilton to limit the number and regulate the locations of payday loan cheque cashing outlets.

Many other municipalities in Canada and the United States have implemented tighter restrictions on payday loan companies. In Winnipeg, for example, payday lenders must be a minimum of 1,000 feet apart. Another municipality, the town of Esquimalt, has increased its business license fee from $100 to $2,000. (http://calgaryherald.com/news/local-news/task-force-recommended-to-improve-citys-payday-loan-regulations). About 200 U.S municipalities are regulating these predators.

Last month, Global reported that cities in Alberta were banding together to fight against the 600% interest rates allowed by law in that province. (http://globalnews.ca/news/2185642/alberta-cities-organizations-band-together-to-fight-600-payday-loan-interest-rate/)

They'll put payday loan companies out of business, argues lobbyist Stan Keyes.

While many would like these guys put out of business altogether, alternatives are needed because the major banks have abandoned low-income communities and earners.  In Sheffield England, Council has come up with an alternative by offering municipal loans to residents. http://www.theguardian.com/money/2015/aug/08/sheffield-money-payday-loans-rates-poverty

I've argued that postal banking could be an alternative that would provide access to financial services for all Canadians.  HTTP://WWW.HAMILTONJUSTICE.CA/BLOG/?POST=PAYDAY+LENDERS+CONTINUE+TO+OUTRAGE+US&ID=303)

In the meantime, I commend Hamilton's Councillor Green for his initiative.

Here is his motion:

WHEREAS the Province of Ontario’s Ministry of Consumer Services is responsible for the Consumer Protection Act and the Payday Loans Act which regulates and licenses money lending businesses;

WHEREAS the Province of Ontario regulates the interest rates of money lending businesses while Municipalities have the authority to regulate and license businesses to protect consumers if this is not already done by the Province;

WHEREAS the use and expansion of payday loan and cheque cashing outlets in Hamilton neighbourhoods is a significant consumer protection issue identified by the Hamilton Roundtable for Poverty Reduction and neighbourhood and community groups; and

WHEREAS it is important that customers of payday loan and cheque outlets have a complete understanding of the financial services being offered.

THEREFORE BE IT RESOLVED:

(a) That the Mayor be authorized to forward correspondence to the Province of Ontario, to the attention of the Minister of Consumer Services, requesting that the protections afforded by the Payday Loans Act be strengthened and that Municipalities be authorized to limit the number and regulate the locations of payday loan and cheque cashing outlets;

(b) That Staff be directed to research the feasibility of licensing payday loan and cheque cashing outlets to assist in consumer protection by requiring the businesses to post their rates, show comparative and annualized rates and information regarding debt counselling.

(c) That staff analyze and map pay day loan and cheque cashing outlets in Hamilton and report back to Council on recommendations for alternative accessible financial services for Hamilton residents.