This study seeks to evaluate the environment facing Canadian consumers seeking payday loans online. Specifically, how compliant are the sites consumers are most likely to encounter with relevant provincial legislation? Elements researched include the history and development of legislation, the state of the current market in Canada and elsewhere and current information and enforcement practices. Search methodology identified the sites that Canadian borrowers in each province were most likely to encounter, and these sites were audited for compliance with legislation, industry best practices and many other dimensions.