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30-469: In 1968, Canadian Tire purchased Midland Shoppers Credit Limited, a small company founded in 1961 to provide third-party credit processing for local retailers in the Niagara Region . After its acquisition, the company was renamed "Canadian Tire Acceptance Limited (CTAL)", and later "Canadian Tire Financial Services Limited". Canadian Tire Bank (CTB), a Schedule 1 (domestic, deposit-taking) bank under

60-411: A geographic division but may contain a single municipality or may be divided into municipal districts within them. In Ontario , regional municipalities always contain lower-tier municipalities within them and were created to provide common services to mixed urban and rural divisions in the way that counties typically provide common services to fully rural municipalities (this paradoxically gives many of

90-855: A land area of 1,852.82 km (715.38 sq mi), it had a population density of 258.0/km (668.1/sq mi) in 2021. Religious profile (2021): The area has a higher concentration of human trafficking compared to other regions in Canada, with 3% of recorded incidents taking place within it. The Niagara Region's proximity to the border and large amounts of hotels are considered to be contributing factors to this issue. Niagara Region contains three airports used primarily for general aviation : Aside from scheduled commuter flights between Niagara District Airport and Toronto City with FlyGTA , for commercial flights Niagara residents use Toronto Pearson International Airport , Billy Bishop Toronto City Airport , or John C. Munro Hamilton International Airport in

120-506: A reward program for purchases of products from Canadian Tire and, later, launched its Gas Advantage MasterCard product whereby the cardholder earned a tiered discount of 2–10¢ (in Canadian currency ) per litre on gasoline purchases from Canadian Tire based on the previous month's gas purchases. In 2008, it embedded the card with Mastercard's PayPass " tap-and-go " technology. These cards continue to be offered by Canadian Tire Bank. In 2006,

150-518: A strategic partnership between the two companies under which Scotiabank was also permitted to buy up to an additional 30% (or sell back to Canadian Tire its 20% stake) at the then fair market value within 10 years. In 2023, Canadian Tire repurchased the 20 percent stake that Scotiabank had owned for $ 895 million, restoring its ownership to 100%. In 1995, the bank issued the Canadian Tire Options MasterCard nationally with

180-1176: Is a type of Canadian municipal government similar to and at the same municipal government level as a county , although the specific structure and servicing responsibilities may vary from place to place. Regional municipalities were formed in highly populated areas where it was considered more efficient to provide certain services, such as water, emergency services, and waste management over an area encompassing more than one local municipality. For this reason, regions may be involved in providing services to residents and businesses. Regional municipalities, where and when they include lower-tier municipalities within their boundaries, are sometimes referred to as upper-tier municipalities . Regional municipalities generally have more servicing responsibilities than counties. Typical services include maintenance and construction of arterial roads (including urban areas), transit, policing, sewer and water systems, waste disposal, region-wide land-use planning and development and health and social services. Regions are more urbanized than counties and are implemented in census divisions where an interconnected cluster of urban centres forms

210-544: Is bounded on the north by Lake Ontario and on the south by Lake Erie . Unique natural landscapes make the Niagara Region an important centre for agriculture and tourism in Canada. The most important agricultural enterprise in Niagara is viticulture , or winemaking. The Niagara Wine Route , which connects visitors to dozens of wineries, is a growing tourism draw while the internationally renowned Niagara Falls

240-776: Is one district municipality , the District Municipality of Muskoka that has the same structure as a regional municipality, but is predominantly rural or wilderness. The specific relationship of a regional government and the cities, towns, townships and villages within its borders is determined by provincial legislation; typically the regional municipality provides many core services such as police protection, waste management and (in some RMs) public transit . Similar to counties, they also provide infrastructure for major roads , sewers , and bridges and also handle social services . Organization of regional government has occasionally been controversial, as council membership

270-853: Is one of Canada's major tourist attractions. Along with Shaw Festival , held annually in Niagara-on-the-Lake , and the Welland Canal , the Regional Municipality of Niagara receives up to 12 million visitors each year. Niagara Region is situated on treaty land. This land has a rich history of First Nations such as the Neutral , the Haudenosaunee , and the Anishinaabe , including the Mississaugas of

300-567: Is only one regional municipality in British Columbia, the Northern Rockies Regional Municipality (NRRM), formerly a regional district of the same name. Unlike other Canadian regional municipalities it is near-entirely wilderness and has only one "urban" centre, the former Town of Fort Nelson . Only sparsely populated outside Fort Nelson, it is vast in extent, covering the northeastern corner of

330-542: Is sometimes determined by the constituent municipalities rather than elected directly. The province's first regional municipality, the Municipality of Metropolitan Toronto , was created in 1954, by severing Toronto and its surrounding suburban townships from the southern portion of York County . It was the only regional municipality in the province until the Regional Municipality of Ottawa–Carleton

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360-561: The Bank Act , was founded in 2003 and took over financial services that had been provided by CTFS. In addition to MasterCard credit card services, Canadian Tire Bank also launched high interest savings accounts, tax-free savings accounts, and GIC products. In 2014, Scotiabank signed a deal to buy a 20 percent stake in Canadian Tire's financial services business, which includes Canadian Tire Bank, for $ 500 million in cash as part of

390-726: The Greater Toronto and Hamilton Area . VIA Rail serves Grimsby, St. Catharines and Niagara Falls stations as part of the Maple Leaf intercity train between Toronto and New York City, jointly operated with Amtrak . Many private bus operators operate intercity services to Niagara Region on routes connecting to cities such as Toronto, Buffalo and New York. As of 2023, private bus operators in Niagara Region include Flixbus , Megabus , Equinox, Greyhound , and Trailways . 400-series expressways: Other highways: Regional municipality A regional municipality (or region )

420-535: The Greater Toronto and Hamilton Area ; as well as crossing the border to use Buffalo Niagara International Airport or Niagara Falls International Airport in Upstate New York . Public transit within Niagara Region is provided by Niagara Region Transit , including scheduled local bus service within Niagara Falls, St. Catharines, Thorold and Welland, on-demand transit service in other portions of

450-717: The Niagara Region or Region of Niagara , is a regional municipality comprising twelve municipalities of Southern Ontario , Canada. The regional seat is in Thorold . It is the southern end of the Golden Horseshoe , the largest megalopolis in Canada. The region occupies most of the Niagara Peninsula . Its eastern boundary is the Niagara River , which is also the border with the US state of New York . It

480-648: The Canadian Tire Triangle Mastercard now earns 5¢ on fuel purchases. CTB markets payment protection insurance underwritten by Assurant , and identity theft insurance offered in a partnership arrangement with Sigma Loyalty Group who, in turn, partners with Intersections, Inc., to underwrite the policies under its Identity Guard product offering. It used to sell term life and travel insurance underwritten by Canada Life , but later stopped marketing those products. In October 2006, CTB began to offer more traditional banking services over

510-511: The Credit First Nation . There are many First Nations, Métis, and Inuit people from across Turtle Island that continue to live and work in Niagara today. As a census division in the 2021 Census of Population conducted by Statistics Canada , the Regional Municipality of Niagara had a population of 477,941 living in 195,914 of its 207,926 total private dwellings, a change of 6.7% from its 2016 population of 447,888 . With

540-589: The Municipality of Metropolitan Toronto became the amalgamated City of Toronto , and in 2001, three other regional municipalities—Ottawa–Carleton, Hamilton–Wentworth and Sudbury —were similarly amalgamated into the single-tier cities of Ottawa, Hamilton and Greater Sudbury . The Harris government also split the Regional Municipality of Haldimand–Norfolk (an anomalous predominantly-rural RM) into two separate single-tier municipalities—the Town of Haldimand and

570-640: The Region, and regional bus service between communities in the region. WEGO is an additional local bus network within Niagara Falls, targeted at visitors rather than residents. The WEGO Green Line is operated by the Niagara Parks Commission and requires separate WEGO tickets, while the remainder of WEGO routes are operated by Niagara Region Transit and accept both Niagara Region Transit and WEGO tickets. GO Transit provides regional train and bus services from Niagara Falls and St. Catharines to

600-558: The Town of Norfolk, which immediately changed their names to Haldimand County and Norfolk County . In January 2019, the provincial government announced a review of the eight regional municipalities in the province ( Durham , Halton , Muskoka , Niagara , Oxford , Peel , Waterloo , and York ) and Simcoe County , as well as their constituent lower-tier municipalities. The review will be headed by special advisers Ken Seiling and Michael Fenn, who will conduct consultations with politicians, civil servants, business owners, and residents of

630-577: The Vacation Advantage and Curve MasterCards were removed from Canadian Tire's credit portfolio. On May 1, 2018, the cards were rebranded under the Triangle Rewards name, to match up with Canadian Tire's new customer loyalty program. On March 11, 2022, Canadian Tire announced that Triangle Mastercard holders would earn 10¢ by using their card on fuel purchases at any gas station across the nation. This period ended June 19, 2022 and

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660-649: The bank began a pilot program of the Cash Advantage MasterCard. Its reward program allowed cardholders to earn up to 1.5% cash back based on the amount of eligible annual purchases made on their card. In 2007, it created the Vacation Advantage MasterCard, with cardholders rewarded with points that could be redeemed for any vacation-related purchase. In 2009, it issued the Curve MasterCard nationwide, so named for

690-449: The distinctly curved shape of the lower right-hand corner of the card. It had no annual fee and had a reward program that allowed cardholders to earn up to 3.5% cash back, based on the amount of eligible annual purchases made on their card. Cardholders could earn double cash back at Canadian Tire and Mark's Work Wearhouse stores. (Mark's is a clothing and footwear retailer that has been a subsidiary of Canadian Tire since 2002.) In late 2010,

720-422: The largest urban areas in the province a subtle semi-rural character, such as the presence of numbered "county" roads with rural-type signage within them). Today, only certain predominantly urban divisions containing two or more urban municipalities but lack a defined core city are given the status of a regional municipality; most census divisions instead retain the status of a county or a district. However, there

750-623: The majority of the division's area and population. Alberta does not have an official municipal status type of regional municipality . However, that has not prevented one municipality from branding itself as one. Wood Buffalo , formed as a specialized municipality on April 1, 1995, through the amalgamation of the City of Fort McMurray and Improvement District No. 143, changed its official name from Municipality of Wood Buffalo to Regional Municipality of Wood Buffalo on August 14, 1996, while maintaining its specialized municipality status. There

780-489: The nine affected municipalities. In 2022, the More Homes Built Faster Act received royal assent and will remove most planning responsibilities from seven upper-tier municipalities (Durham, Halton, Niagara, Peel, Simcoe, Waterloo, and York) at a still undetermined date. In Quebec , regional county municipalities or RCMs ( French , municipalités régionales de comté, MRC ) have constituted

810-640: The phone or online. Such offerings included, as of 2019: The bank used to offer mortgages, but in October 2009, CTB sold its residential real estate secured lending portfolio of approximately 1,000 mortgages valued at approximately $ 167 million to National Bank of Canada and no longer offers mortgage products. All deposit products are automatically insured to applicable limits by the federal crown corporation Canada Deposit Insurance Corporation (CDIC). Regional Municipality of Niagara The Regional Municipality of Niagara , also colloquially known as

840-620: The province north of the 58th Parallel, from the Grand Canyon of the Liard on the west to the Alberta boundary on the east. Regional districts , which cover most of the rest of the province, are technically municipalities, though containing other municipalities within them. In the NRRM the government of the former Fort Nelson and the regional municipality are merged. Like regional districts,

870-479: The regional municipality does not include Indian Reserves or their governments. In Nova Scotia , regional municipalities are a single level of government, and provide all municipal services to their communities. As they include both urban centres and rural areas, they are not called cities, towns or villages. Such municipalities in Nova Scotia take over the area and name of a county. Counties still exist as

900-449: Was created in 1969 by restructuring Ottawa and the whole of Carleton County . Between 1970 and 1974, several more regional municipalities were created by the government of Bill Davis , mostly by restructuring the entirety of existing counties. The later government of Mike Harris subsequently dissolved four regional municipalities with a dominant central city that formed metropolitan areas into amalgamated single-tier cities. In 1998,

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