I would like to say in the House, and this is probably the first time in almost six years, I am very happy that this government bill has been called to the House. I’m very grateful that the government has moved so quickly on addressing NOSIs. And I particularly would like to thank the government and Minister of Public and Business Service Delivery for taking action on this extremely important issue.

I’d also like to thank, of course, the member from London North Centre and the member from Parkdale–High Park and, of course, the very passionate member on this issue from Humber River–Black Creek. I was pleased to join them as co-sponsors on Bill 169 to address these predatory practices in Ontario.

Some background on this bill—because my parents just tuned in—we have been hearing a lot about notices of security interest, or NOSIs, that are placed on properties, resulting in many senior victims. It’s a relatively common interaction: Typically, an illegitimate company shows up at a homeowner’s door offering to sell or rent HVAC appliances, and there is a debt or a lien placed on the home that must be repaid upon the sale or refinancing. Some of these videos that have been published about this issue are truly, absolutely heartbreaking. Many seniors find themselves victims on this.

A simple unit which costs hundreds of dollars becomes tens of thousands of dollars in many of these cases. Worse yet, homeowners don’t even find out about the NOSIs until they refinance or sell. Homeowners, especially senior homeowners, deserve to be protected.

There has been a considerable uptick in NOSIs registered in Ontario over the past two years, with hundreds of thousands of dollars registered on title. Particularly vulnerable are low-income citizens and those who are socially isolated.

I must tell you that some of the saddest videos that were part of this investigation show seniors who are lonely and they are isolated. In one video that I watched, the lady wanted to get the door-to-door salesmen some coffee, to have him sit down and have some cake, because they were lonely. Essentially what was happening, though, is that these lonely and isolated seniors were literally inviting the wolf into their own home. The connection to organized crime as these NOSI scams evolved is truly frightening. It was certainly a learning experience for me as the finance critic.

I want to just tell you very quickly about one local resident—his name is Ian Craig—in Waterloo region. He has had seven notices of security interest on his property, totalling more than $150,000. All the NOSIs on Craig’s home were put there by scammers without his knowledge. “This is not right, for people who have invested in their homes, that somebody comes along and puts [NOSIs] on it for half of” the house. “The way they can take advantage of people is just disgusting,” he said. “This is why we need protection.” This is why we need Bill 200.

The ties to organized crime became very evident when we reached out to the Waterloo region police, who I definitely want to say thank you very much to for your leadership and your advocacy and for your education on these predatory practices.

Detective Stover of the Waterloo Regional Police Service has been investigating NOSIs since 2010 but the investigation intensified in 2020 when police identified that they were being used criminally. Sometimes this is data that is the personal and financial data of the individual in the home. That data is captured and then sold to various other organizations. It was astounding that this has been going on and accelerating in Ontario for the time being.

“It became a tool used by organized crime to target and revictimize people who had notices of security on title from the years previous,” said Stover. “They really identified an aging population in Ontario that have a lot of equity in their home.”

Last year in Ontario alone 38,000 NOSIs were registered. Imagine that this practice has been allowed to continue for so many years. When this came up under the former Liberal government, it was astounding. They were supposed to outlaw door-to-door sales, but there was no enforcement whatsoever. The lack of oversight—basically just going through the motions—is really a disservice to so many Ontarians, particularly the vulnerable and seniors. It is vital that we protect vulnerable citizens and especially seniors from such scams so that they are not being taken advantage of.

Thank you very much for introducing this important legislation. I hazard to say it, but let’s get it done today—

Interjections.