Women and Predatory Lending

In Canada, women earn eighty-seven cents for every dollar earned by men. Women are less likely to be employed than men and are overrepresented in precarious jobs. Twenty-six per cent of female-led lone parent families live in poverty, compared to twelve per cent of those led by men. Given these statistics, it is somewhat unsurprising that payday loan use tends to occur more often in female-headed households.

ACORN Canada’s Protect Your Privacy-Online! Educational Program

This evaluation reports on the outcomes of ACORN Canada’s Protect Your Privacy-Online! project, funded by the Office of the Privacy Commissioner of Canada. This project consists of three workshops, offered in four Canadian cities and is designed to educate lower income Canadians about the Personal Information Protection and Electronic Documents Act (PIPEDA). PIPEDA is Canada’s Federal legislation that establishes rules for how private-sector organizations must protect the online privacy of Canadians.

Prêts abusifs: Un sondage sur les utilisateurs de services financiers alternatifs à taux d'intérêt élevé

Ce document analyse les résultats d'un sondage qu’ACORN Canada a mené à l’aide sur un échantillon de ses membres dans le but de comprendre pourquoi ils se tournent vers des services financiers alternatifs tels que les prêts sur salaire à taux d'intérêt élevé.

Le sondage révèle que la majorité des 268 répondants utilisent des services financiers à taux d'intérêt élevé, tels que les prêts sur salaire, qu’en dernier recours parce que les banques traditionnelles leur refusent les services de crédit adéquats.

Predatory Lending: A Survey of High Interest Alternative Financial Service Users

This paper analyzes findings from a survey by ACORN Canada of a sampling of its membership to understand why they turn to alternative financial services such as high interest payday loans. The survey finds that the majority of the 268 respondents turn to high interest financial services such as payday loans as a last resort because they are denied adequate credit services from traditional banks.

Pages

Stand Up for Housing in Surrey

Posted on August 6, 2020

This report focuses on the housing crisis in Surrey in BC. Based on the victories secured by BC ACORN members in several other cities in BC, including in Burnaby and New Westminster, the report underscores the need for urgent measures that the city government in Surrey can take to address the existing housing issues and protecting tenants' rights in Surrey.

Read this report to learn how we can win municipally to end the housing crisis in Surrey. 

 

État des locataires pendant COVID-19 - Rapport d'enquête

Posted on April 29, 2020

 

COVID-19 a changé nos vies comme jamais auparavant en apportant un ensemble unique de problèmes. Cependant, ces défis deviennent encore plus complexes pour les personnes qui vivent déjà en marge. Les statistiques continuent de brosser un tableau sombre en ce qui concerne l'accès à des logements abordables et sains au Canada et avec la pandémie COVID-19, la situation ne fera qu'empirer, en particulier pour les locataires et les personnes à faible revenu ou appartenant aux sections les plus vulnérables du population. ACORN Canada a contacté 1082 personnes à travers le Canada pour comprendre les problèmes auxquels les gens sont confrontés pendant la pandémie, en particulier ceux liés à leur capacité de payer le loyer car elle arrive à échéance le 1er mai et les problèmes qu'ils rencontrent. dans leurs immeubles / appartements car le manque d'entretien et de réparation pose un risque majeur pour la santé publique, en particulier lors d'une pandémie. Ce rapport présente les conclusions principales de cette enquête et les mesures urgentes que les gouvernements doivent prendre pour garantir que les personnes en marge obtiennent le soutien dont elles ont besoin en cette période de crise sanitaire et économique.

 

State of Renters During COVID-19: Survey Report

Posted on April 29, 2020

 

COVID-19 has changed our lives like never before by bringing a unique set of issues. However, these challenges get even more complex and compounded for people who are already living at the margins. Statistics continue to paint a grim picture when it comes to access to affordable and healthy housing in Canada and with the COVID-19 pandemic, the situation will only worsen especially for renters and those on low-income or belong to the most vulnerable sections of the population. ACORN Canada reached out to 1082 people across Canada to understand the issues people are facing during the pandemic, especially those relating to their ability to pay rent as it falls due again on May 1st and the problems they are encountering in their buildings/apartments as  lack of maintenance and repair poses a major public health risk especially during a pandemic. This report provides the main findings of this survey and calls for urgent measures that governments need to take to ensure that people at the margins get the support they need in times of this health and economic crisis. 

 

Herongate: The Case for RentSafe Ottawa

Ottawa ACORN's campaign for a landlord registry similar to Toronto's RentSafe bylaw is based on over a decade’s worth of community organizing, as well as the countless experiences of our low to moderate income members shared through forums, phone calls and home visits. For the past 13 years, ACORN organizers have gone door-to-door in low-income neighbourhoods, where the state of people’s housing remains their number one concern. ACORN sees the implementation of a landlord registry as an opportunity to address the gaps in our current property standards system; to ensure that everyone’s right to housing is protected and that every tenant has a healthy home.

Ottawa ACORN’s Response to Maclaren Group’s Policy Options Report on Housing Conditions

Ottawa ACORN members are in the final sprint for their campaign for landlord licensing. After convincing city council to include landlord licensing as part of the City's "regulating rental accommodations" review, members have organized Tenant Speak Outs, days of action at City Hall, door knocked in bad apartment buildings, released reports, engaged the media and have met with the City's consultants three times. The consultants from Maclaren Group have released their report on policy options for housing conditions and are asking for feedback before submitting their recommendations to City Hall. 
 
Read Ottawa ACORN's response here: 

Housing Horror Stories: The Tenants' Case for Landlord Licensing in Ottawa

This collection of tenant testimonials shows that the City of Ottawa needs to do more to improve housing conditions.
 
Tenants are living in substandard conditions without the necessary support to allow them to stand up to landlords and have their needs met. The Property Standards By-law has more procedural steps and delays than most by-laws in addition to any notice of violation being unenforceable.
 
The City's review on regulating rental accommodations is a good first step in addressing tenants' very real concerns regarding the state of their housing. It is Ottawa ACORN members' hope that this sample of housing horror stories will demonstrate to our city that substandard housing conditions is a systematic issue that warrants urgent attention. We need landlord licensing NOW!

Ottawa ACORN: The Fight for the Right to Housing and a No Displacement CBA in Herongate

Community benefits agreements (CBAs) are legally enforceable contracts signed by community groups and a private developer or government agency. CBAs can result  in a range of benefits for community members, such as jobs and training; community  amenities,  support  for local  business,  affordable  housing and other provisions. 
 
As a community organization of low and moderate income families and individuals fighting for social and economic justice, ACORN is invested in ensuring community benefits agreements meet the needs of the communities we work with. 

Pages

An Analysis on the Locations of Polling Stations in Municipal Elections in Ottawa

Through correspondence with the City of Ottawa, it was suggested to ACORN--by the individual responsible for administering polling station locations--that the city uses voter turnout rates as the primary criterion for where to locate polling stations. This is extremely problematic, for it goes against democratic principles for voting to be made more convenient to those who more regularly exercise that democratic right; instead, the more democratic criterion for the location of polling stations would, of course, be based on population density.

The Wellesley Institute: Rising Inequality, Declining Health

In a 2012 report, the Metcalf Foundation developed a new definition of working poverty. This definition is based on income, rather than hours worked, and excludes students and those who do not live independently. Applying that definition, the authors then used data from the Survey of Labour and Income Dynamics (SLID) and the Census to estimate how many people in Toronto were living in working poverty, where they were living and working, and to describe their family lives, education and age.

This brief report by the Wellesley Institute builds on the Metcalf analysis to consider the impact of working poverty on self-reported health. How do people who are working and poor (working poor) describe their health? How does their health compare with others who are poor but are not in the labour force (non-working poor)? How does their health compare with those who are able to work and support themselves and their families (working non-poor)? Finally, how have these three groups’ perceptions of their health changed over time?

Pages