CRTC says three-year device-financing plans violate the wireless code Bookmark Please log in to listen to this story. Also available in French and Mandarin. Log In Create Free Account Getting audio file ... This translation has been automatically generated and has not been verified for accuracy. Full Disclaimer DARRYL DYCK/The Canadian Press Canada’s telecom regulator says device-financing plans that spread the cost of a smartphone over three years and force customers to pay any outstanding amounts before switching carriers violate the wireless code, which was designed to allow consumers to change providers every two years without penalties. Canadian wireless providers offer monthly instalment plans that allow consumers to buy smartphones that can cost more than $2,000.