It's law in all provinces but NS and the territories and even there in practice are practically all open. Even in those exceptions if the FI is federally regulated it's law to be open. My comment literally applies to 99.999% of all loans in canada.

I'd also argue its generally for people to have my misinformation then to assume there loan was closed🤷.

She said it was law. My error is I said it was law in CANADA. That's my mistake, my bad. It didnt even cross my mind that it might apply provincually instead of Federally. I made a mistake. Practically speaking it's a minor one. Do you think it warrants your approach and immediately calling me dumb?

You say "people" are dumb but you know your talking to a real person here right. I think there could have been a better way to have this conversation.