The proposed changes to the CCCFA came into effect on July 7, 2022, addressing some of the challenges that borrowers have faced since the code was first enacted in December 2021.

Winter can be a drab time of year with not much going on and people confined to their living rooms and kitchens. Cooking can certainly brighten up these days, and if I can brighten up my clients' lives, then I’m all for it.