OMVIC STUDY GUIDE 2026/2027 EXAM QUESTIONS
AND SOLUTIONS RATED A+
✔✔Ch.13 - True or False: The CPA covers sales but not leases, and not services such
as repairs. - ✔✔False
see 13.03
✔✔Ch.13 - True or False: The consumer can waive their rights under the CPA, but this
must be in writing. - ✔✔False
see 13.03
✔✔Ch.13 - Penalties for breaching the CPA can be severe. What is the maximum
penalty for an individual convicted of an offence under the CPA? - ✔✔A maximum of
two years less a day in jail and/or a fine of up to $50,000
see 13.05
✔✔Ch.13 - True or False: In matters related to the CPA, courts will only consider
evidence that is written into the contract. - ✔✔False
see 13.08
✔✔Ch.13 - True or False: If a consumer defaults on a loan/payment schedule but has
paid off more than two-thirds of the total purchase price, the dealer must get permission
from the court to repossess the vehicle. - ✔✔True
see 13.07
✔✔Ch.13 - The two "types" of unfair practices are (choose two):
a. Unconscionable representations
b. Ambiguous representations
c. Disingenuous representations
d. False, misleading or deceptive representations - ✔✔a. Unconscionable
representations
d. False, misleading or deceptive representations
see 13.11
✔✔Ch.13 - Provide three examples of a "false, misleading or deceptive practice." -
✔✔Any three of the following (there may be others as well):
, - Failing to disclose a "material fact" (e.g., not informing a customer of structural
damage to the vehicle)
-Deceiving a customer by distorting a "material fact' (using exaggeration, hints or double
meanings)
- Telling the customer the car can perform in a way that it cannot, or is still under a
manufacturer's warranty if it is not
- Saying the vehicle is of a particular model, style, quality or grade if it is not
- Telling the customer that the vehicle or a part is new (or unused) if it's not
- Seriously understating the distance the vehicle has been driven or the amount of use it
has had.
- Selling a repair, replacement, service or part that is not needed
- Saying there is a specific price advantage if this is not true (e.g., "The price will go up
on Monday morning!")
- The dealer or salesperson misrepresents the authority of some employee to negotiate
the final terms of the agreement
- The dealer or salesperson misrepresents the purpose of an additional charge
✔✔Ch.13 - What is the essential element of an "unconscionable representation"? -
✔✔Demonstrating a lack of conscience; taking advantage of a consumer who cannot
adequately protect his or her own interests
see 13.11
✔✔Ch.13 - Choose the most correct answer.
An unconscionable representation:
a. May involve taking advantage of a consumer who cannot protect his or her own
interests
b. Involves a customer who has no conscience
c. Must involve selling a vehicle at a price that is ridiculously high - ✔✔a. May involve
taking advantage of a consumer who cannot protect his or her own interests
see 13.11
✔✔Ch.13 - Provide three examples of an "unconscionable representation." - ✔✔Any
three of the following representations in which:
- The consumer cannot protect his or her own interests (perhaps because of a disability,
illiteracy, impairment, etc.)
- The price grossly exceeds the price that should be charged
- The dealer or salesperson put too much pressure on the consumer
- The consumer has no possibility of meeting the payments
- This is an absolutely poor deal for the consumer (and is one-sided, excellent deal for
the dealer)
- The dealer or salesperson gave a misleading opinion and the consumer relied on that
opinion to his or her detriment
AND SOLUTIONS RATED A+
✔✔Ch.13 - True or False: The CPA covers sales but not leases, and not services such
as repairs. - ✔✔False
see 13.03
✔✔Ch.13 - True or False: The consumer can waive their rights under the CPA, but this
must be in writing. - ✔✔False
see 13.03
✔✔Ch.13 - Penalties for breaching the CPA can be severe. What is the maximum
penalty for an individual convicted of an offence under the CPA? - ✔✔A maximum of
two years less a day in jail and/or a fine of up to $50,000
see 13.05
✔✔Ch.13 - True or False: In matters related to the CPA, courts will only consider
evidence that is written into the contract. - ✔✔False
see 13.08
✔✔Ch.13 - True or False: If a consumer defaults on a loan/payment schedule but has
paid off more than two-thirds of the total purchase price, the dealer must get permission
from the court to repossess the vehicle. - ✔✔True
see 13.07
✔✔Ch.13 - The two "types" of unfair practices are (choose two):
a. Unconscionable representations
b. Ambiguous representations
c. Disingenuous representations
d. False, misleading or deceptive representations - ✔✔a. Unconscionable
representations
d. False, misleading or deceptive representations
see 13.11
✔✔Ch.13 - Provide three examples of a "false, misleading or deceptive practice." -
✔✔Any three of the following (there may be others as well):
, - Failing to disclose a "material fact" (e.g., not informing a customer of structural
damage to the vehicle)
-Deceiving a customer by distorting a "material fact' (using exaggeration, hints or double
meanings)
- Telling the customer the car can perform in a way that it cannot, or is still under a
manufacturer's warranty if it is not
- Saying the vehicle is of a particular model, style, quality or grade if it is not
- Telling the customer that the vehicle or a part is new (or unused) if it's not
- Seriously understating the distance the vehicle has been driven or the amount of use it
has had.
- Selling a repair, replacement, service or part that is not needed
- Saying there is a specific price advantage if this is not true (e.g., "The price will go up
on Monday morning!")
- The dealer or salesperson misrepresents the authority of some employee to negotiate
the final terms of the agreement
- The dealer or salesperson misrepresents the purpose of an additional charge
✔✔Ch.13 - What is the essential element of an "unconscionable representation"? -
✔✔Demonstrating a lack of conscience; taking advantage of a consumer who cannot
adequately protect his or her own interests
see 13.11
✔✔Ch.13 - Choose the most correct answer.
An unconscionable representation:
a. May involve taking advantage of a consumer who cannot protect his or her own
interests
b. Involves a customer who has no conscience
c. Must involve selling a vehicle at a price that is ridiculously high - ✔✔a. May involve
taking advantage of a consumer who cannot protect his or her own interests
see 13.11
✔✔Ch.13 - Provide three examples of an "unconscionable representation." - ✔✔Any
three of the following representations in which:
- The consumer cannot protect his or her own interests (perhaps because of a disability,
illiteracy, impairment, etc.)
- The price grossly exceeds the price that should be charged
- The dealer or salesperson put too much pressure on the consumer
- The consumer has no possibility of meeting the payments
- This is an absolutely poor deal for the consumer (and is one-sided, excellent deal for
the dealer)
- The dealer or salesperson gave a misleading opinion and the consumer relied on that
opinion to his or her detriment
