HomeMy WebLinkAbout2015-03-17 Public Hearing Meeting Agenda and Reports.pdf
City of Maple Ridge
PUBLIC
HEARING
March 17, 2015
CITY OF MAPLE RIDGE
NOTICE OF PUBLIC HEARING
TAKE NOTICE THAT a Public Hearing will be held in the Council Chamber of the Municipal Hall,
11995 Haney Place, Maple Ridge, North-East corner entrance, at 7:00 p.m., Tuesday, March 17,
2015 to consider the following bylaws:
1) 2014-037-RZ
MAPLE RIDGE ZONE AMENDING BYLAW NO. 7095-2014
LEGAL: Lot “D”, District Lot 245, Group 1, New Westminster District, Plan 19628
LOCATION 21447 121 Avenue
FROM: RS-1 (One Family Urban Residential)
TO R-1 (Residential District)
PURPOSE: To permit future subdivision into approximately two lots.
2) 2014-016-RZ
MAPLE RIDGE ZONE AMENDING BYLAW NO. 7083-2014
LEGAL: West Half Lot 2 Except: Firstly: Parcel A (Reference Plan 13881) and
Secondly: Parcel A (Reference Plan 84990), Thirdly: Part subdivided by Plan
LMP1641, Section 16, Township 12, New Westminster District, Plan1676
Parcel A (Reference Plan 13881) West Half Lot 2 Except: Parcel B (Reference
Plan 84991), Section 16, Township 12, New Westminster District, Plan 1676
LOCATION 23908 and 23920 Dewdney Trunk Road
FROM: RS-1b (One Family Urban [Medium Density] Residential) and
RS-3 (One Family Rural Residential)
TO: R-2 (Urban Residential District)
PURPOSE: To permit a future subdivision of approximately 12 lots.
3) MAPLE RIDGE ZONE AMENDING BYLAW NO. 7136-2015
Text amendment as shown below:
PART 2 INTERPRETATION, is amended by addition of the following definitions in the correct
alphabetical order:
CHEQUE CASHING CENTRE use means any premises where the business of cashing cheques
or negotiable instruments for a fee charged or chargeable to the payee of the cheque or the
payee’s agent is carried on.
PAYDAY LOAN use means the business of offering, arranging or providing payday loans (as
defined in the Business Practices and Consumer Protection Act, S.B.C. 2004 c.2, as
amended, and regulated by the Payday Loans Regulation, B.C. Reg. 57/2009, as amended)
to consumers.
PART 2 INTERPRETATION the definition of “FINANCIAL SERVICES” is amended by deleting the
words ‘cheque cashing service’ and adding the words identified in bold text:
FINANCIAL SERVICES - means a bank, trust company, savings and loans, credit unions,
income tax services, bookkeeping, and similar uses providing financial services to the public
but excludes cheque cashing centre or payday loan use.
Part 4 GENERAL REGULATIONS, section 401 Uses of Land, Buildings and Structures, section
(3) Prohibited Uses of Land, Buildings and Structures is amended by addition of clause (f) to
read:
Cheque cashing centres and payday loan uses.
PURPOSE: To prohibit payday loan companies and cheque cashing centres from future
operation in Maple Ridge.
AND FURTHER TAKE NOTICE that a copy of the aforesaid bylaws and copies of staff reports and other
information considered by Council relevant to the matters contained in the bylaws will also be
available for public inspection at the Municipal Hall, Planning Department counter, between 8:00
a.m. and 4:00 p.m. from March 5, 2015 to March 17, 2015, Saturdays, Sundays and Statutory
Holidays excepted. Some of this information will also be posted on the City website
www.mapleridge.ca on the Your Government /Meet Your Council/Council Meetings page.
ALL PERSONS who deem themselves affected by any of these bylaws shall be afforded a reasonable
opportunity to be heard at the Public Hearing before Council on the matters contained in the bylaws
or by making a written submission to the attention of the Manager of Legislative Services or by
sending an e-mail to the Clerk’s Department at clerks@mapleridge.ca, by 4:00 p.m., March 17,
2015. Please note that all written submissions provided in response to this consultation will become
part of the public record which includes the submissions being made available for public inspection.
Dated this 5th day of March, 2015.
Ceri Marlo
Manager of Legislative Services
DEVELOPMENT APPLICATION CHECKLIST
FOR FILE 2014-037-RZ
File Manager: Adam Rieu
Official Community Plan or Zoning Bylaw Amendments: RECEIVED NOT REQUIRED
1.A completed Application Form
(Schedule “A” – Development Procedures Bylaw No. 5879-1999)
2.An application fee, payable to the District of Maple Ridge, in
accordance with Development Application Fee Bylaw no. 5949-2001.
3.A Certificate of Title and Consent Form if the applicant is different
from the owner shown on the Certificate of Title.
4. A legal survey of the property(ies)
5. Subdivision plan layout
6. Neighbourhood context plan
7. Lot grading plan
8. Landscape plan*+
9.Preliminary architectural plans including site plan,
building elevations, accessory off-street parking and
general bylaw compliance reconciliation*+.
*These items may not be required for single-family residential applications
+ These items may be required for two-family residential applications, as outlined in Council Policy No. 6.01
Additional reports provided:
1.
- 1 -
City of Maple Ridge
TO: Her Worship Mayor Nicole Read MEETING DATE: February 2, 2015
and Members of Council FILE NO: 2014-037-RZ
FROM: Chief Administrative Officer MEETING: C of W
SUBJECT: Second Reading
Zone Amending Bylaw No. 7095-2014
21447 121 Avenue
EXECUTIVE SUMMARY:
An application has been received to rezone the subject property, located at 21447 121 Avenue, from
RS-1 (One Family Urban Residential) to R-1 (Residential District), to permit future subdivision into
approximately two lots. Council granted first reading to Zone Amending Bylaw No. 7095-2014 on
July 8, 2014. The minimum lot size for the current RS-1 (One Family Urban Residential) zone is
668m², and the minimum lot size for the proposed R-1 (Residential District) zone is 371m².
This application is in compliance with the Official Community Plan (OCP).
RECOMMENDATIONS:
1) That Maple Ridge Zone Amending Bylaw No. 7095-2014 be given second reading, and be
forwarded to Public Hearing;
2) That the following terms and conditions be met prior to final reading:
i) Approval from the Ministry of Transportation and Infrastructure;
ii) Road dedication, as required;
iii) Removal of the existing building;
iv) In addition to the Site Profile, a disclosure statement must be submitted by a Professional
Engineer advising whether there is any evidence of underground fuel storage tanks on the
subject property. If so, a Stage 1 Site Investigation Report is required to ensure that the
subject property is not a contaminated site.
DISCUSSION:
1) Background Context:
Applicant: Derek Bakstad
Owner: Derek Bakstad
Legal Description: Lot “D” District Lot 245 Group 1 New Westminster District Plan
19628
- 2 -
OCP:
Existing: Urban Residential
Proposed: Urban Residential
Zoning:
Existing: RS-1 (One Family Urban Residential)
Proposed: R-1 (Residential District)
Surrounding Uses:
North: Use: Single Family Residential
Zone: RS-1 (One Family Urban Residential)
Designation: Urban Residential
South: Use: Single Family Residential
Zone: RS-1 (One Family Urban Residential); and proposed R-1
(Residential District) 2014-023-RZ at third reading
Designation: Urban Residential
East: Use: Single Family Residential
Zone: RS-1 (One Family Urban Residential)
Designation: Urban Residential
West: Use: Single Family Residential
Zone: RS-1 (One Family Urban Residential)
Designation: Urban Residential
Existing Use of Property: Single Family Residential
Proposed Use of Property: Single Family Residential
Site Area: 987 m² (0.24 acres)
Access: 121 Avenue
Servicing requirement: Urban Standard
Companion Applications: 2014-037-SD/VP
2) Project Description:
The subject property is located on the north side of 121 Avenue, and is approximately 987 m² (0.24
acres) in size. The subject property is currently vacant and is bound by single family residential
properties to the north, west, east and south (see Appendix A). The subject property is flat with some
vegetation around the perimeter of the rear yard. The applicant proposes to rezone the subject
property from RS-1 (One Family Urban Residential) to R-1 (Residential District) to permit future
subdivision into two single family residential lots.
3) Planning Analysis:
i) Official Community Plan:
The OCP designates the property Urban Residential, and is subject to the Major Corridor
infill policies of the OCP. These policies require that development be compatible with the
surrounding neighbourhood, with particular attention given to site design setbacks and lot
configuration with the existing pattern of development in the area. The proposed rezoning
to R-1 (Residential District) is in conformance with the Urban Residential designation and
infill policies.
- 3 -
ii) Zoning Bylaw:
The applicant proposes to rezone the subject property from RS-1 (One Family Urban
Residential) to R-1 (Residential District) (see Appendix B) to permit future subdivision into
approximately two lots (see Appendix C). The minimum lot size for the current RS-1 (One
Family Urban Residential) zone is 668 m², and the minimum lot size for the proposed R-1
(Residential District) zone is 371 m².
iii) Proposed Variances:
A Development Variance Permit application has been received for this project and involves
the following variances:
1. Maple Ridge Subdivision and Development Servicing Bylaw No. 4800-1993,
Schedule “B”: To reduce the road right-of-way width for a Collector Street standard
from 20 metres to 18 metres.
2. Maple Ridge Zone Amending Bylaw No. 3510-1985, Part 6, C, 11 (b): Height
increase from 9.0 metres to 11.0 metres
The requested variances will be the subject of a future report to Council.
iv) Development Permits:
A Form and Character Development Permit is not required for this single family residential
development.
v) Advisory Design Panel:
A Form and Character Development Permit is not required and therefore this application
does not need to be reviewed by the Advisory Design Panel.
vi) Development Information Meeting:
A Development Information Meeting was not required for this development as it did not
require an OCP amendment and there is less than 25 dwelling units proposed, as per
Council Policy 6.20 for Development Information Meetings.
4) Environmental Implications:
The subject property is located within the Fraser River Escarpment area, where stormwater must be
directed to Municipal storm sewer, as per Council Policy 6.23 - Control of Surficial and Groundwater
Discharge in the Area Bounded by 207 Street, 124 Avenue, 224 Street and the Crest of the Fraser
River Escarpment. The applicant should retain as many of the existing trees as possible on the rear
yard perimeter of the subject property.
5) Traffic Impact:
As the subject property is located within 800 metres of the Lougheed Highway, a referral has been
sent to the Ministry of Transportation and Infrastructure, and granted Preliminary Approval on
September 15, 2014, for one year, pursuant to section 52(3)(a) of the Transportation Act.
- 4 -
6) Interdepartmental Implications:
i) Engineering Department:
A Rezoning Servicing Agreement is not required for this rezoning application, as there are no works
or services required for the rezoning. All deficient services will be provided through a Subdivision
Servicing Agreement at the time of subdivision.
CONCLUSION:
As this application is in compliance with the OCP, it is recommended that second reading be given to
Maple Ridge Zone Amending Bylaw No. 7095-2014, and that application 2014-037-RZ be forwarded
to Public Hearing.
“Original signed by Adam Rieu”
____________________________________________
Prepared by: Adam Rieu
Planning Technician
“Original signed by Christine Carter”
_______________________________________________
Approved by: Christine Carter, M.PL, MCIP, RPP
Director of Planning
“Original signed by David Pollock” for
_______________________________________________
Approved by: Frank Quinn, MBA, P.Eng
GM: Public Works & Development Services
“Original signed by J.L. (Jim) Rule”
_______________________________________________
Concurrence: J. L. (Jim) Rule
Chief Administrative Officer
The following appendices are attached hereto:
Appendix A – Subject Map
Appendix B – Zone Amending Bylaw No. 7095-2014
Appendix C – Proposed Subdivision Plan
City of PittMeadows
District ofLangley District of MissionFRASER R.
^
DATE: May 13, 2014 2014-037-RZ BY: JV
CORPORATION OFTHE DISTRICT OFMAPLE RIDGE
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7 2828
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Subject Property
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Scale: 1:1,000
21447-121 Ave
CITY OF MAPLE RIDGE
BYLAW NO. 7095-2014
A Bylaw to amend Map "A" forming part
of Zoning Bylaw No. 3510 - 1985 as amended
___________________________________________________________
WHEREAS, it is deemed expedient to amend Maple Ridge Zoning Bylaw No. 3510 - 1985 as
amended;
NOW THEREFORE, the Municipal Council of the City of Maple Ridge enacts as follows:
1. This Bylaw may be cited as "Maple Ridge Zone Amending Bylaw No. 7095-2014."
2. That parcel or tract of land and premises known and described as:
Lot “D” District Lot 245 Group 1 New Westminster District Plan 19628
and outlined in heavy black line on Map No. 1621 a copy of which is attached hereto
and forms part of this Bylaw, is hereby rezoned to R-1 (Residential District).
3. Maple Ridge Zoning Bylaw No. 3510 - 1985 as amended and Map "A" attached
thereto are hereby amended accordingly.
READ a first time the 8th day of July, 2014.
READ a second time the 10th day of February, 2015.
PUBLIC HEARING held the day of , 20
READ a third time the day of , 20
APPROVED by the Ministry of Transportation and Infrastructure this day of
, 20
ADOPTED the day of , 20
_____________________________ ____________________________
PRESIDING MEMBER CORPORATE OFFICER
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121 AVE.
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´
SCALE 1:1,500
MAPLE RIDGE ZONE AMENDINGBylaw No. Map No. From:
To:
RS-1 (One Family Urban Residential)
R-1 (Residential District)
7095-20141621
DEVELOPMENT APPLICATION CHECKLIST
FOR FILE 2014-016-RZ
File Manager: Adam Rieu
Official Community Plan or Zoning Bylaw Amendments: RECEIVED NOT REQUIRED
1.A completed Application Form
(Schedule “A” – Development Procedures Bylaw No. 5879-1999)
2.An application fee, payable to the District of Maple Ridge, in
accordance with Development Application Fee Bylaw no. 5949-2001.
3.A Certificate of Title and Consent Form if the applicant is different
from the owner shown on the Certificate of Title.
4. A legal survey of the property(ies)
5. Subdivision plan layout
6. Neighbourhood context plan
7. Lot grading plan
8. Landscape plan*+
9.Preliminary architectural plans including site plan,
building elevations, accessory off-street parking and
general bylaw compliance reconciliation*+.
*These items may not be required for single-family residential applications
+ These items may be required for two-family residential applications, as outlined in Council Policy No. 6.01
Additional reports provided:
2.
- 1 -
City of Maple Ridge
TO: Her Worship Mayor Nicole Read MEETING DATE: February 16, 2015
and Members of Council FILE NO: 2014-016-RZ
FROM: Chief Administrative Officer MEETING: C of W
SUBJECT: Second Reading
Zone Amending Bylaw No. 7083-2014
23908 and 23920 Dewdney Trunk Road
EXECUTIVE SUMMARY:
An application has been received to rezone the subject properties, located at 23908 and 23920
Dewdney Trunk Road, from RS-1b (One Family Urban (Medium Density) Residential) and RS-3 (One
Family Rural Residential) to R-2 (Urban Residential District), to permit a future subdivision of
approximately 12 lots. Council granted first reading to Zone Amending Bylaw No. 7083-2014 on July
8, 2014. The minimum lot size for the current RS-1b (One Family Urban (Medium Density)
Residential) zone is 557m² and RS-3 (One Family Rural Residential) zone is 0.8 ha (2 acres) and the
minimum lot size for the proposed R-2 (Urban Residential District) zone is 315 m². This application
is in compliance with the OCP.
There is not sufficient suitable land for park dedication on the subject site and it is recommended
that Council require the developer to to pay to the City an amount that equals 5% of the market
value of the land required for parkland purposes, as determined by an independent appraisal.
RECOMMENDATIONS:
1) That Maple Ridge Zone Amending Bylaw No. 7083-2014 be given second reading, and be
forwarded to Public Hearing;
2) That Council require, as a condition of subdivision approval, the developer to pay to the City an
amount that equals 5% of the market value of the land, as determined by an independent
appraisal, in lieu of parkland dedication in accordance with Section 941 of the Local Government
Act; and,
3) That the following terms and conditions be met prior to final reading:
i) In addition to the Site Profile, a disclosure statement must be submitted by a Professional
Engineer advising whether there is any evidence of underground fuel storage tanks on the
subject properties. If so, a Stage 1 Site Investigation Report is required to ensure that the
subject property is not a contaminated site.
DISCUSSION:
1) Background Context:
Applicant: Jean Fares
Owner: Alireza Mastour-Baik; Sammy Rastkar
- 2 -
Legal Description: West Half Lot 2 Except: Fistly: Parcel A (Reference Plan
13881) and Secondly: Parcel A (Reference Plan 84990),
Thirdly: Part subdivided by Plan LMP1641, Section 16
Township 12 New Westminster District Plan1676
Parcel A (Reference Plan 13881) West Half Lot 2 Except:
Parcel B (Reference Plan 84991), Section 16 Township 12
New Westminster District Plan1676
OCP:
Existing: Urban Residential
Zoning:
Existing: RS-1b (One Family Urban (Medium Density) Residential); RS-3
(One Family Rural Residential)
Proposed: R-2 (Urban Residential District)
Surrounding Uses:
North: Use: City Works Yard
Zone: P-6 (Civic Institutional)
Designation: Institutional
South: Use: Single Family Residential
Zone: RS-1b (One Family Urban (Medium Density) Residential)
Designation: Urban Residential
East: Use: Single Family Residential
Zone R-1 (Residential District); R-3 (Special Amenity Residential
District)
Designation: Urban Residential
West: Use: Single Family Residential
Zone: RS-1b (One Family Urban (Medium Density) Residential);
Proposed R-2 (Urban Residential District) under application
2014-106-RZ at first reading
Designation: Urban Residential
Existing Use of Property: Vacant
Proposed Use of Property: Single Family Residential
Site Area: 0.53 ha (1.31 acres)
Access: New local road and lane access from 239 Street
Servicing: Urban Standard
Companion Applications: 2014-016-SD
2) Background:
A previous application on the subject properties (RZ/120/10) planned to construct a 25 lot
subdivision across three properties located at 23908, 23920, and 23882 Dewdney Trunk Road.
Homes fronting Dewdney Trunk Road were to be accessed from a rear lane, while the remaining lots
- 3 -
were to be accessed via a new local road. The development was anticipated to consist of a variety of
lot sizes, with larger lots bordering the southern property line. This application expired and now each
of the two partners from the original application (RZ/120/10) are proceeding with their own
application.
3) Project Description:
The subject properties are located on the south side of Dewdney Trunk Road, and are approximately
0.53 ha (1.31 acres) in size. The subject properties are currently vacant with single family
residential properties to the south and east, with Dewdney Trunk Road to the north (see Appendix A).
The property to the west is currently vacant, and under application 2014-106-RZ for proposed R-2
(Urban Residential District) zoning for eleven single family residential lots. Application 2014-106-RZ
received first reading on January 27, 2015.
The applicant proposes to rezone the subject properties from RS-1b (One Family Urban (Medium
Density) Residential) and RS-3 (One Family Rural Residential) to R-2 (Urban Residential District) to
permit future subdivision into twelve single family residential lots. As originally proposed, lots
fronting Dewdney Trunk Road will be accessed via a rear lane, while remaining lots will be accessed
from a new local road. The proposed lane and local road will also service the lot to the west, under
application 2014-106-RZ.
4) Planning Analysis:
i) Official Community Plan:
The subject properties are designated Urban Residential in the OCP, and are subject to the
Major Corridor infill policies. These policies require that development be compatible with
the surrounding neighbourhood, with particular attention given to site design setbacks and
lot configuration with the existing pattern of development in the area. The proposed
rezoning to R-2 (Urban Residential District) is in conformance with the Urban Residential
designation and infill policies.
The Major Corridor infill policies provide for a range of building forms, including single
family, duplex, triplex, fourplex, townhouse, or 4-storey apartment, subject to compliance
with OCP compatibility criteria. In this case, a townhouse form of development would be
considered compatible for the subject properties; however, the applicant prefers to develop
using the R-2 (Residential District) zone. Given that there was a historic single family
development application on the property, and that a single family form complies with the
OCP policies, the proposed use of R-2 (Urban Residential District) zone is supportable.
ii) Zoning Bylaw:
The applicant proposes to rezone the properties located at 23908 and 23920 Dewdney
Truck Road from RS-1b (One Family Urban (Medium Density) Residential) and RS-3 (One
Family Rural Residential) to R-2 (Urban Residential District) (see Appendix B) to permit
future subdivision into 12 single family lots (see Appendix C). The minimum lot size for the
current RS-1b (One Family Urban (Medium Density) Residential) zone is 557m² and RS-3
(One Family Rural Residential) zone is 0.8 ha (2 acres) and the minimum lot size for the
proposed R-2 (Urban Residential District) zone is 315 m².
- 4 -
iii) Development Permits:
A Form and Character Development Permit is not required for this R-2 (Urban Residential
District) single family residential development.
iv) Advisory Design Panel:
A Form and Character Development Permit is not required and therefore this application
does not need to be reviewed by the Advisory Design Panel.
v) Development Information Meeting:
A Development Information Meeting was not required for this development as it did not
require an OCP amendment and there is less than 25 dwelling units proposed, as per
Council Policy 6.20 for Development Information Meetings.
vi) Parkland Requirement:
As there are more than two additional lots proposed to be created, the developer will be
required to comply with the park dedication requirements of Section 941 of the Local
Government Act prior to subdivision approval.
For this project, there is no suitable land for park dedication on the subject properties and it
is therefore recommended that Council require the developer to to pay to the City an
amount that equals the market value of 5% of the land required for parkland purposes.
The amount payable to the City in lieu of park dedication must be derived by an
independent appraisal at the developer’s expense. Council consideration of the cash-in-
lieu amount will be the subject of a future Council report.
5) Interdepartmental Implications:
i) Engineering Department:
A Rezoning Servicing Agreement is not required for this rezoning application, as there are
no works or services required for the rezoning. All deficient services will be provided
through a Subdivision Servicing Agreement at the time of subdivision.
ii) Fire Department:
The Fire Department has recommended that a new fire hydrant be located on the western
boundary of 23908 Dewdney Trunk Road.
- 5 -
CONCLUSION:
This application is in compliance with the Official Community Plan. It is recommended that second
reading be given to Maple Ridge Zone Amending Bylaw No. 7083-2014, and that application 2014-
016-RZ be forwarded to Public Hearing.
It is further recommended that Council require, as a condition of subdivision approval, the developer
to pay to the City an amount that equals 5% of the market value of the land, as determined by an
independent appraisal, in lieu of parkland dedication.
“Original signed by Adam Rieu”
_______________________________________________
Prepared by: Adam Rieu
Planning Technician
“Original signed by Christine Carter”
_______________________________________________
Approved by: Christine Carter, M.PL, MCIP, RPP
Director of Planning
“Original signed by Frank Quinn”
_______________________________________________
Approved by: Frank Quinn, MBA, P.Eng
GM: Public Works & Development Services
“Original signed by J.L. (Jim) Rule”
_______________________________________________
Concurrence: J. L. (Jim) Rule
Chief Administrative Officer
The following appendices are attached hereto:
Appendix A – Subject Map
Appendix B – Maple Ridge Zone Amending Bylaw No. 7083-2014
Appendix C – Subdivision Plan
City of PittMeadows
District ofLangley District of MissionFRASER R.
^
DATE: Feb 25, 2014 FILE: 2014-016-RZ BY: PC
CORPORATION OFTHE DISTRICT OFMAPLE RIDGE
PLANNING DEPARTMENT
SUBJECT PROPERTIES
´
Scale: 1:2,000
23908/20 DEWDNEY TRUNK ROAD
CITY OF MAPLE RIDGE
BYLAW NO. 7083-2014
A Bylaw to amend Map "A" forming part
of Zoning Bylaw No. 3510 - 1985 as amended
___________________________________________________________
WHEREAS, it is deemed expedient to amend Maple Ridge Zoning Bylaw No. 3510 - 1985 as
amended;
NOW THEREFORE, the Municipal Council of the City of Maple Ridge, enacts as follows:
1. This Bylaw may be cited as "Maple Ridge Zone Amending Bylaw No. 7083-2014."
2. Those parcels or tracts of land and premises known and described as:
West Half Lot 2 Except: Fistly: Parcel A (Reference Plan 13881) and Secondly:
Parcel A (Reference Plan 84990), Thirdly: Part subdivided by Plan LMP1641,
Section 16 Township 12 New Westminster District Plan1676
Parcel A (Reference Plan 13881) West Half Lot 2 Except: Parcel B (Reference Plan
84991), Section 16 Township 12 New Westminster District Plan1676
and outlined in heavy black line on Map No. 1618 a copy of which is attached hereto
and forms part of this Bylaw, are hereby rezoned to R-2 (Urban Residential District).
3. Maple Ridge Zoning Bylaw No. 3510 - 1985 as amended and Map "A" attached
thereto are hereby amended accordingly.
READ a first time the 8th day of July, 2014.
READ a second time the 24th day of February, 2015.
PUBLIC HEARING held the day of , 20
READ a third time the day of , 20
ADOPTED the day of , 20
_____________________________ ____________________________
PRESIDING MEMBER CORPORATE OFFICER
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SCALE 1:2,500
MAPLE RIDGE ZONE AMENDINGBylaw No. Map No. From:
To:
RS-1b (One Family Urban (Medium Density) Residential)RS-3 (One Family Rural Residential)R-2 (Urban Residential District)
7083-20141618
Urban Area Boundary
Urban Area Boundary
DEVELOPMENT APPLICATION CHECKLISTPAYDAY LOANS & CHEQUE CASHING
File Manager: Siobhan Murphy
Official Community Plan or Zoning Bylaw Amendments: RECEIVED NOT REQUIRED
1.A completed Application Form
(Schedule “A” – Development Procedures Bylaw No. 5879-1999)
2.An application fee, payable to the District of Maple Ridge, in
accordance with Development Application Fee Bylaw no. 5949-2001.
3.A Certificate of Title and Consent Form if the applicant is different
from the owner shown on the Certificate of Title.
4. A legal survey of the property(ies)
5. Subdivision plan layout
6. Neighbourhood context plan
7. Lot grading plan
8. Landscape plan*+
9.Preliminary architectural plans including site plan,
building elevations, accessory off-street parking and
general bylaw compliance reconciliation*+.
*These items may not be required for single-family residential applications
+ These items may be required for two-family residential applications, as outlined in Council Policy No. 6.01
Additional reports provided:
3.
City of Maple Ridge
TO: Her Worship Mayor Nicole Read MEETING DATE: February 24, 2015
and Members of Council FILE NO:
FROM: Chief Administrative Officer MEETING: Council
SUBJECT: First and Second Reading
Maple Ridge Zone Amending Bylaw No. 7136-2015
First and Second Reading
Business Licencing and Regulation Amending Bylaw No.7135-2015
To prohibit Payday Loan businesses and Cheque Cashing centres - REVISED
EXECUTIVE SUMMARY:
The purpose of this report is to provide Council with information on payday loan businesses and
cheque cashing centres. At the Regular Council meeting of January 13, 2015 there was discussion
about this issue and the following Resolution was passed:
That staff provide information on restrictions for payday loan companies.
This report provides information on payday loan businesses and cheque cashing centres’ general
practices; a legal opinion regarding municipal authority for this issue; overview of Lower Mainland
municipalities’ approach to prohibiting these uses; and bylaw amendments to the Zoning Bylaw and
Business Licencing and Regulation Bylaw respectively that will prohibit additional payday loan
businesses and cheque chasing centres in Maple Ridge.
Note: A transcription error referencing the Payday Loans Regulation, B.C. Reg. 57/2003, as
amended, has been corrected in this report to read: Payday Loans Regulation, B.C. Reg. 57/2009.
RECOMMENDATIONS:
1. That Zone Amending Bylaw No. 7136-2015 be given First and Second Reading and be
forwarded to Public Hearing; and
2. That Business Licencing and Regulation Amending Bylaw No.7135-2015 be given First and
Second Reading.
DISCUSSION:
a) Background:
On January 13, 2015 Council passed a resolution directing staff to prepare a report on payday loan
companies. Generally speaking payday loan companies are businesses that loan a relatively small
amount of money lent at a high rate of interest on the agreement that it will be repaid when the
borrower receives their next paycheck. Another service that is related to payday loans is cheque
cashing. Cheque cashing centres are businesses that will cash a cheque for a fee. There are
REVISED
- 2 -
businesses that offer either payday loans or cheque cashing services or both. The growth of the
payday loan industry has focused attention on the industry and its practice of charging relatively high
rates of interest. In 2006, the Federal government conducted research into this issue to examine
current practices.1
In order to qualify for a payday loan, the borrower generally must have identification, a personal
chequing account, and a pay stub or alternative proof of a regular income. Payday lenders typically
extend credit based on a percentage of the borrower’s net pay until his/her next payday (generally
within two weeks or less). The borrower provides the payday lender with a post-dated cheque, or
authorizes a direct withdrawal, for the value of the loan plus any interest or fees charged.
Payday loan businesses often cash the borrower’s post-dated cheque or process the direct
withdrawal on the due date of the loan. Others will require that the borrower repay the loan in cash
on or before the due date, and may charge an additional fee if the loan is not repaid. If there are
insufficient funds in the borrower’s account, the borrower may also be required to pay a return fee to
the payday lender. In this instance, the borrower may have the option of “rolling over” the loan –
that is, taking out another payday loan to pay off the original loan for an additional fee.
Currently, there are six payday loan companies that have a commercial business licence in the City
of Maple Ridge. Five of the six companies are located in the Town Centre. They are:
1. 20130 Lougheed Hwy Unit 107 - National Money Mart Company Inc.
2. 22332 Lougheed Hwy - National Money Mart Company Inc.
3. 22645 Dewdney Trunk Rd Unit 106 - National Money Mart Company Inc.
4. 22444 Lougheed Hwy - Cash Money Cheque Cashing Inc.
5. 22361 Lougheed Hwy - Cashplan Financial
6. 11997 224 St Unit A - Money Money Payday Loans Ltd.
Please refer to Appendix C for location map of these businesses. Please refer to Appendix E for a
complete list of services for each respective business. Each business provides cheque cashing
and/or payday loans to its customers. Please note that there was a seventh payday loan company
in operation (Instaloan located at Unit 102-20690 Lougheed Highway until February 4, 2015 which
is listed in Appendix E and has now closed.)
b) Current Regulatory Context:
Federal
Section 347 of the Criminal Code of Canada currently prohibits the charging of interest above 60%
per year. The Criminal Code was amended with Bill C-26 on October 6, 2006, which exempted
payday loans from criminal sanctions in order to facilitate provincial regulation of the industry.2
Provincial
The Province of British Columbia made amendments and additions to the Business Practices and
Consumer Protection Act October 23, 2007 and established the Payday Loans Regulation on
November 1, 2009. The legislative change requires payday lenders to be licensed, sets the
1 Retrieved from http://www.parl.gc.ca/content/lop/researchpublications/prb0581-e.html on January 28, 2015,
Parliament of Canada website, Library of Parliament, Parliamentary Information and Research Service, “Payday Loan
Companies in Canada: Determining the Public Interest. 2 Retrieved from: http://www.parl.gc.ca/About/Parliament/LegislativeSummaries/bills_ls.asp?ls=c26&Parl=39&Ses=1
on January 30, 2015, Parliament of Canada website, regarding Bill c-26 An Act to amend the Criminal Code (criminal interest
rate).
- 3 -
maximum charges, requires full disclosure in loan agreements, and regulates unfair practices that
are harmful to consumers. The Business Practices and Consumer Protection Act and the Payday
Loans Regulation are the responsibility of the Ministry of Justice. The Ministry of Justice has its own
compliance officers. These are referred to as ‘Enforcement Inspectors’ that can investigate a
contravention of the regulation and levy financial penalties. They also have the ability to proceed to
filing a notice with the Supreme Court.
Municipal
Zoning Bylaw:
Payday loan and cheque cashing companies fall under the definition of “Financial Services” in the
Maple Ridge Zoning Bylaw No. 3510 – 1985 Part 2 Interpretation which includes a reference to
‘cheque cashing service’ and is provided here:
Financial Services - means a bank, trust company, savings and loans, credit unions, cheque cashing
service, income tax services, bookkeeping, and similar uses providing financial services to the
public.3 Financial Services are currently allowed in the following zones:
C-2 (Community Commercial)
C-3 (Town Centre Commercial)
C-5 (Village Centre Commercial)
CRM (Commercial Residential)
H-1 (Heritage Commercial)
The Zoning Bylaw does not currently include definitions for payday loan companies or cheque
cashing centres.
Business Licencing and Regulation Bylaw
The definition of a “Cheque Cashing Centre” and a “Financial Institution” are listed as two separate
and distinct businesses in the District of Maple Ridge Business Licencing and Regulation Bylaw No.
6815-2011. The Business Licence Bylaw also currently does not contain a definition of payday
loans.
c) List of issues
The subject of payday loan companies and cheque cashing centres has become a priority due to a
high number of complaints from residents to Council members and City staff. The complaints
highlight a range of concerns including:
There are too many
There are often large crowds creating a disturbance, particularly on Social Services
cheque day
Prey on marginalized populations
Not good for the economy because they charge high interest rates
Detrimental to the economic vitality of the downtown
Developing an approach to restricting and/or prohibiting payday loans and cheque cashing in Maple
Ridge also has the support of the RCMP.
3 Corporation of the District of Maple Ridge Zoning Bylaw No. 3510-1985, page 5.
- 4 -
Legal Opinion
A legal opinion from Young Anderson Barristers & Solicitors Inc. confirms that cheque cashing
centres and payday loan companies may be prohibited by regulation through zoning. A copy of the
legal opinion is attached as Appendix D.
d) Citizen Implications:
The prohibition of these uses will not result in the discontinuation of these uses as they would be
considered non-conforming under the Local Government Act. Any currently operating payday loan
companies or cheque cashing centres in existence at the time of a regulatory amendment to the
Corporation of The District of Maple Ridge Bylaw No. 3510 – 1985 would continue to operate as a
legally non-conforming use as per the Local Government Act, section 911 which states:
Non-conforming uses and siting
911 (1) If, at the time a bylaw under this Division is adopted,
(a) land, or a building or other structure, is lawfully used, and
(b) the use does not conform to the bylaw,
The use may be continued as a non-conforming use, but if the non-conforming use is
discontinued for a continuous period of 6 months, any subsequent use of the land,
building or other structure becomes subject to the bylaw.
e) Regional Examples
The following are examples from several municipalities in the Lower Mainland that have regulated
this use in their respective zoning bylaws by either prohibitive or restrictive measures.
1. The City of Langley Zoning Bylaw, 1996, No. 2100 defines “cheque cashing”, “money-
lending”, and “General Service”. The money-lending definition includes a reference to
payday loans. The General Service definition excludes cheque cashing and currency
exchange businesses. The definitions are as follows:
“Cheque-Cashing means a business other than a bank or credit union regulated under
the Financial Institutions Act or the Bank Act that cashes cheques for a fee or for less
than face value of the cheque.
General Service means a business that provides services, other than personal services,
to individuals or to other businesses and includes printing, reproduction, publishing,
bookbinding, film processing, rentals, veterinary clinics, and banks but excludes
automotive service uses, industrial equipment rental, pawn brokers, cheque cashing and
currency exchange businesses.
Money-Lending means the business of lending money in exchange for interest payments,
fees, or any other form of consideration beyond re-payment of the principal sum being
loaned. Without limiting the generality of the foregoing, this includes the making of so-
called “payday loans” and analogous shorter term lending, regardless whether collateral
or security is or is not taken in conjunction with the transaction. Money lending is
deemed not to include any of the following:
o (a) Activities occurring in a bank which is licensed and regulated under the Bank
Act, S.C. 1999 c. 46, as amended
- 5 -
o (b) Activities occurring in a credit union which is licensed and regulated under
the Financial Institutions Act, R.S.B.C. 1996 c.141, as amended
o (c) Activities occurring in a mortgage broker’s premises, where those premises
are licensed and regulated under the Mortgage Brokers Act, R.S.B.C. 1996 c.
313
o (d) Activities occurring in a dealer which is licensed and regulated under the
Securities Act, R.S.B.C. 1996 c. 418, as amended
o (e) The extension of credit to purchasers of consumer goods, furniture,
electronics, or automobiles as an incident of a purchase transaction.”
With these definitions, ‘cheque cashing service’ has been listed as an exclusion from the
General Service use definition.
Cheque cashing is specifically allowed only in the C-3 commercial zone, which is the zone for
the Willowbrook Mall. This is a location that has security and standard open and closing
times, which provides an opportunity to limit after-hours activity at this respective location.
2. The Township Of Langley Zoning Bylaw 1987 No. 2500 prohibits the use and provides the
following definition in the Administration section:
“Cheque Cashing Facilities means a business other than a bank or credit union regulated
under the Financial Institutions Act or the Bank Act that cashes cheques for a fee or for
less than face value of the cheque.
The definition of Commercial Use is as follows: “Commercial Use" means the retail sale of
goods and services, servicing and repair of goods, offices, medical clinics, veterinary
clinics, restaurants, financial institutions, education, recreation, entertainment and
instruction uses. Excludes a highway commercial use, medical marihuana dispensary
use, amusement machines unless accessory to a permitted use, arcades, pool halls,
service stations, gas bars, vehicle servicing, vehicle repair shops, vehicle storage
compounds, vehicle body shops, wrecking and salvaging yards, and uses that are
primarily manufacturing or warehousing, and casino halls, pawnbrokers, tattoo shops
and cheque cashing facilities. Includes a U-Brew, “Food Primary Use” where licensed as
a Food Primary Use by the Liquor Control Licensing Branch in accordance with the Liquor
Control Licensing Act and Regulations.”
The list for the Commercial Use definition excludes cheque cashing facilities. There is no
definition of money-lending, General Service or financial services.
3. The City of Abbotsford Zoning Bylaw No. 2400-2014 prohibits the use and provides the
following definitions related to this discussion:
“Financial Institution means the premises of a bank, trust company, finance
company, mortgage company, or investment company.
The C7 Zone states that a Financial Institution or Office shall not consist of any of the
following uses or activities in the C7 zone; cheque cashing or personal loan services
other than those regulated under the Financial Institutions Act or the Bank Act.”
In this case, cheque cashing and payday loans are not included in the financial institution
definition. In addition, cheque cashing is listed as excluded from the City of Abbotsford C7
(Historic Downtown Commercial) zone.
- 6 -
4. City of Surrey Zoning By-law No. 12000 restricts the number of cheque cashing centres or
payday loan stores within a specified distance. In the Definitions section of the Zoning Bylaw
provides the following definitions:
“Cheque Cashing Centre: means a premise where the business of cashing cheques
or negotiable instruments for a fee charged or chargeable to the payee of the cheque
or the payee's agent is carried on, but does not include banks or drive-through banks.
(Part 1, page 1.8)
Payday Loan Store: means the business of offering, arranging or providing payday
loans (as defined in the Business Practices and Consumer Protection Act, S.B.C.
2004 c.2, as amended, and regulated by the Payday Loans Regulation, B.C. Reg.
57/2003, as amended to consumers.”
Under the General Provisions in the Zoning Bylaw is the following:
“29. Cheque Cashing Centres and Payday Loan Stores
No cheque cashing centre or payday loan store shall locate within 400 metres [1,300 ft.] of
the lot line of an existing cheque cashing centre or payday loan store.”
f) Proposed Regulatory Changes
Zoning Bylaw
The following is proposed as a text amendment to the Zoning Bylaw:
Add the definitions of cheque cashing and payday loans to Part 2 Interpretation Section of the
Zoning Bylaw. The definitions are as follows:
o CHEQUE CASHING CENTRE use means any premises where the business of cashing
cheques or negotiable instruments for a fee charged or chargeable to the payee of
the cheque or the payee’s agent is carried on.
o PAYDAY LOAN use means the business of offering, arranging or providing payday
loans (as defined in the Business Practices and Consumer Protection Act, S.B.C.
2004 c.2, as amended, and regulated by the Payday Loans Regulation, B.C. Reg.
57/2009, as amended) to consumers.
Amend the “Financial Services” definition by deleting the words ‘cheque cashing service’,
and adding text that excludes ‘cheque cashing centres’ and ‘payday loan uses’; as follows:
o FINANCIAL SERVICES - means a bank, trust company, savings and loans, credit
unions, income tax services, bookkeeping, and similar uses providing financial
services to the public but excludes cheque cashing centre or payday loan use; and
Specifically prohibit ‘cheque cashing centres’ and ‘payday loan uses’ under Part 4 General
Regulations, as follows:
o Cheque cashing centres and payday loan uses.
- 7 -
Business Licencing and Regulation Bylaw:
The following is proposed as an amendment to the Business Licencing Bylaw:
Add the following definitions:
o “Payday Loan” means the business of offering, arranging, or providing payday loans
(as defined in the Business Practices and Consumer Protection Act, SBC 2004 c.2,as
amended, and regulated by the Payday Loans Regulation, B.C. Reg. 57/2009, as
amended) to consumers.
o Financial and Institutional Services add in alphabetical order, ‘Payday Loans’ with an
associated annual business licence fee of $700.00.
ALTERNATIVES:
There are other alternatives to the staff recommendations set out in this report Council may wish to
consider which are as follows:
Zoning Bylaw:
Prohibit payday loan and cheque cashing uses in the Town Centre only. This approach would render
the five businesses in the Town Centre as non-conforming uses; however additional payday loan and
cheque cashing uses could open in other commercial areas.
Business Licencing Bylaw
A provision will be added to the bylaw that Cheque Cashing Centres and Payday Loan companies
hold a continuous, valid licence as required with the Province through BC Consumer Protection Act
and for store closing hours to keep them more in line with Financial Services.
CONCLUSION:
This report addresses the issue of payday loan companies and cheque cashing centres that has
been brought to Council’s attention. It provides an overview of payday loan and cheque cashing
uses, the current regulatory context, and examples of how other Lower Mainland municipalities are
approaching this issue. A legal opinion from Young Anderson is also provided, which establishes the
foundation to use municipal authority to restrict and/or prohibit additional payday loans and cheque
cashing centres in Maple Ridge.
- 8 -
Based on this information a recommendation has been provided for Council consideration to prohibit
payday loan companies and cheque cashing centres from operating in Maple Ridge in the future by
amending the Zoning Bylaw and the Business Licencing and Regulation Bylaw.
“Original signed by Siobhan Murphy”
______________________
Co-prepared by: Siobhan Murphy, MA, MCIP, RPP
Planner II
“Original signed by Liz Holitzki”
___________________
Co-prepared by: Liz Holitzki
Director of Licences, Permits and Bylaws
“Original signed by Christine Carter”
___________________
Approved by: Christine Carter, M.PL, MCIP, RPP
Director of Planning
“Original signed by David Pollock” for
_______________________
Approved by: Frank Quinn, MBA, P. Eng
GM: Public Works & Development Services
“Original signed by J.L. (Jim) Rule”
_______________________
Concurrence: J. L. (Jim) Rule
Chief Administrative Officer
The following appendices are attached hereto:
Appendix A – Zoning Amending Bylaw No. 7136-2015
Appendix B – Business Licencing and Regulation Amending Bylaw 7135-2015 - REVISED
Appendix C – Location of Payday Loan Companies and Cheque Cashing Centres in Maple Ridge
Appendix D – Legal Opinion from Young Anderson Barristers & Solicitors Inc
Appendix E – List of services for Payday Loan companies in Maple Ridge
CITY OF MAPLE RIDGE
BYLAW NO. 7136-2015
A Bylaw to amend the text of Maple Ridge Zoning Bylaw No. 3510 - 1985 as amended.
WHEREAS, it is deemed expedient to amend Maple Ridge Zoning Bylaw No. 3510 - 1985 as
amended;
NOW THEREFORE, the Municipal Council of the City of Maple Ridge, enacts as follows:
This Bylaw may be cited as "Maple Ridge Zone Amending Bylaw No. 7136-2015."
Scope:
This Bylaw recommends amendments that will prohibit payday loan companies and cheque cashing
centres from future operation in Maple Ridge.
1. PART 2 INTERPRETATION, is amended by addition of the following definitions in the correct
alphabetical order:
CHEQUE CASHING CENTRE use means any premises where the business of cashing cheques
or negotiable instruments for a fee charged or chargeable to the
payee of the cheque or the payee’s agent is carried on.
PAYDAY LOAN use means the business of offering, arranging or providing payday loans (as
defined in the Business Practices and Consumer Protection Act, S.B.C. 2004 c.2, as
amended, and regulated by the Payday Loans Regulation, B.C. Reg. 57/2009, as amended) to
consumers.
2. PART 2 INTERPRETATION the definition of “FINANCIAL SERVICES” is amended by deleting the
words ‘cheque cashing service’ and adding the words identified in bold text:
FINANCIAL SERVICES - means a bank, trust company, savings and loans, credit unions,
income tax services, bookkeeping, and similar uses providing financial services to the public
but excludes cheque cashing centre or payday loan use.
3. Part 4 GENERAL REGULATIONS, section 401 Uses of Land, Buildings and Structures, section
(3) Prohibited Uses of Land, Buildings and Structures is amended by addition of clause (f) to
read:
Cheque cashing centres and payday loan uses.
4. Maple Ridge Zoning Bylaw No. 3510 - 1985 as amended is hereby amended accordingly.
READ a first time the 24th day of February, 2015.
READ a second time the 24th day of February, 2015.
PUBLIC HEARING held the day of , 20 .
READ a third time the day of , 20 .
ADOPTED the day of , 20 .
_____________________________ ____________________________
PRESIDING MEMBER CORPORATE OFFICER
CITY OF MAPLE RIDGE
Business Licence and Regulation Amending Bylaw No.7135-2015
A bylaw to amend the text of the Business Licencing and Regulation Bylaw No. 6815-2011
WHEREAS, it is deemed expedient to amend Maple Ridge Business Licence and Regulation Bylaw
No. 6815-2011;
NOW THEREFORE, the Council of the City of Maple Ridge enacts as follows:
This bylaw may be cited as Business Licence and Regulation Amending Bylaw No. 7135-2015.
Scope:
This Bylaw prohibits Payday Loans and Cheque Cashing Centres from future operation in Maple
Ridge.
PART 5 Definitions
Part 5 Definitions, is amended by addition of the following definition in the correct
alphabetical order:
“Payday Loan” means the business of offering, arranging, or providing payday loans (as
defined in the Business Practices and Consumer Protection Act, SBC 2004 c.2,as amended,
and regulated by the Payday Loans Regulation, B.C. Reg. 57/2009, as amended) to
consumers.
SCHEDULE “A” Category 22
In Category 22 – Financial and Institutional Services add in alphabetical order,
‘Payday Loans’ with an associated annual business licence fee of $700.00.
READ A FIRST TIME this 24th day of February, 2015.
READ A SECOND TIME this 24th day of February, 2015.
READ A THIRD TIME this day of , 20.
ADOPTED this day of , 20.
PRESIDING MEMBER CORPORATE OFFICER
City of PittMeadows
District ofLangley District of MissionFRASER R.
^
DATE: Feb 12, 2015 PaydayLoans.mxd BY: DT
CITY OF MAPLE RIDGE
PLANNING DEPARTMENT
NORTH AVE LANENORTH AVE
LANE
DEWDNEY TRUNK RD
SELKIRK AVE
LANEFRASER STEDGE STLANE
LANE
227 ST227 STLANE
LANE
LANEGARDEN STBROWN AVE
SELKIRK AVE
117 AVE
LANE
224 ST119 AVE
BROWN AVE 227 ST223 STLANE
224 STDEWDNEY TRUNK RD
LANE
121 AVE
LOUGHEED HWY
MCINTOSH AVE
121 AVE
LANE
227 ST118 AVE
HANEY PLLANE224 STEDGE ST227 STLOUGHEED HWY
NORTH LANE
SELKIRK AVE
119 AVE
MCINTOSH AVE
224 STFRASER STLANE
ROYAL CRES
LANE LANE224 ST224 STFRASER ST225 ST225 STSELKIRK AVE 226 STLANE
LANE
´
Scale: 1:4,000
Payday Loan Companiesin Maple Ridge Towncentre
Money Money Payday Loans Ltd.Unit A - 11997 224 St
National Money MartUnit106 - 22645 Dewdney Trunk Rd
National Money Mart22332 Lougheed Hwy
Cashplan Financial22361 Lougheed Hwy Cash Money Cheque Cashing Inc.22444 Lougheed Hwy
City of PittMeadows
District ofLangley District of MissionFRASER R.
^
DATE: Feb 12, 2015 PaydayLoans.mxd BY: DT
CITY OF MAPLE RIDGE
PLANNING DEPARTMENT
121 AVE
202 ST116 AVEPINDA
PL204 ST119 AVE
206B STLANE116B AVE 203 STLINDSAY AVE
205 ST120B AVE
119 AVE 207 ST201B STASHLEY CRES
120B AVE
MILLER ST206A STSENTINEL STMAPLE LANE 201B STH
A
M
M
O
N
D
R
D202A STMAKINSON STLINDSAY PL203 STFU
R
U
K
A
W
A
P
L
118 AVE 205A ST207 ST206B ST120B AVE
S
T
E
W
A
R
T
C
R
E
S
STANTON AVE
120A AVE
121 AVE
WALNUT CRES
LOUGHEED HWY
LANE 206 ST119A AVE
202B STBRUCE PLTHORNE AVE203 STDALE DR
121B AVE
RIVER RD W 207 STKINGSTON STDEWDNEY TRUNK RD
MISUTO PL204B ST1
2
0
B
C
R
E
S 207A STBRUCE AVE
PATTERSON AVE
121A AVE
LANE203 STWICKLUND AVE
DENIZA AVE
THORNE AVE206 STTHORNE AVE
120A AVE
´
Scale: 1:6,000
Payday Loan Companiesin West Maple Ridge
National Money MartUnit107 - 20130 Lougheed Hwy
Instaloan Inc.Unit 102 - 20690 Lougheed HwyClosed February 4, 2015
Notes for consideration:
*National Money Mart Company has 3 locations in Maple Ridge it is also known as ‘The Cash Store’.
**Businesses licenced since 2003 predate the current business licence system and therefore the
actual start year is unconfirmed in this table.
Hours of Operation for each:
1.National Money Mart20130 Lougheed Highway Hours: Monday to Friday 9:00a.m. to 8:00
p.m. Monday to Friday, Saturday 11:00a.m. to 5:00 p.m., and Sunday 11:00a.m. to 5:00
p.m.
2.National Money Mart 2232 Lougheed Highway Hours: Monday to Friday 9:00a.m. to 9:00
p.m. Monday to Friday, Saturday 9:00a.m. to 7:00 p.m., and Sunday 11:00a.m. to 6:00 p.m.
3.The Cash Store (National Money Mart) Hours: Monday to Friday 9:00a.m. to 8:00 p.m.
Monday to Friday, Saturday 10:00a.m. to 5:00 p.m., and Sunday 11:00a.m. to 4:00 p.m.
4.Cash Money Cheque Cashing 22444 Lougheed Highway: Hours Monday to Saturday 9:00
a.m. to 9:00 p.m., Sunday 11:00 a.m. to 6:00 p.m.
5.Cashplan Financial 22361 Lougheed Highway: Hours: Monday to Friday 9:00 a.m. to 8:00
p.m., Saturday 9:00 a.m. to 6:00 p.m., Sunday closed.
6.Money Money Payday Loans Ltd. Unit A – 11997 224 Street. Hours: Monday to Friday:
100:00 a.m. to 7:00 p.m., Saturday 10:00 a.m. to 5:00 p.m. and Sunday Closed.
7.Instaloan Incorporated Unit 102-20690 Lougheed Highway – Last day of operation: February
4, 2015.4
4 Telephone call by municipal staff to Instaloan Wednesday, February 4, 2015.
BUSINESS NAME ADDRESS
CMR Licence
Since**
Consumer
Protection Licence
Tax
Refunds
Cash
Advances
Pre-Paid
Visa Cards
Pre-paid
MasterCard Loans
Personal
Loans
Payday
loans
Cash for
Gold
Currency
Exchange
Cheque
Cashing
Money
Order
Money
Transfers
* National Money Mart Company Unit 107 - 20130 Lougheed Hwy 2009 Y - Exp Oct 31/15 X X X X X X X
* National Money Mart Company 22332 Lougheed Hwy 2003 N X X X X X X X
* National Money Mart Company Unit 106 - 22645 Dewdney Trunk Rd 2006 N X X X X X X X
Cash Money Cheque Cashing Inc 22444 Lougheed Hwy 2014 Y - Exp Oct 31/15 X X X X X X X X
Cashplan Financial 22361 Lougheed Hwy 2003 N X
Money Money Payday Loans Ltd Unit A - 11997 224 St 2014 Y - Exp Oct 31/15 X X X
Instaloan Inc Unit 102 - 20690 Lougheed Hwy 2010 Y - Exp Oct 31/15 X X
Services Offered