C-73.2, r. 1 - Regulation respecting brokerage requirements, professional conduct of brokers and advertising
56. If an immovable hypothec secures the use of a credit card or line of credit, the cost of borrowing is expressed as an annual rate that is,
(1) if the loan has a fixed annual interest rate, that annual interest rate; or
(2) if the loan has a variable interest rate, the annual interest rate that applies on the date of the disclosure.