Quebec examines AI debt collection practices

Predictive tools tailor repayment messages to borrowers.

Quebec’s financial regulator has opened a review into how AI tools are being used to collect consumer debt across the province. The Autorité des marchés financiers is examining whether automated systems comply with governance, privacy and fairness standards in Quebec.

Draft guidelines released in 2025 require institutions in Quebec to maintain registries of AI systems, conduct bias testing and ensure human oversight. Public consultations closed in November, with regulators stressing that automation must remain explainable and accountable.

Many debt collection platforms now rely on predictive analytics to tailor the timing, tone and frequency of messages sent to borrowers in Quebec. Regulators are assessing whether such personalisation risks undue pressure or opaque decision making.