GATINEAU, Que. - The CRTC says that consumers with smartphone-financing plans of three years or longer will be protected by a policy that caps cancellation fees. A pedestrian talking on a mobile phone is silhouetted in front of a fountain at John F. Kennedy Plaza in Philadelphia on October 11, 2012. THE CANADIAN PRESS/AP-Matt Rourke GATINEAU, Que. - The CRTC says that consumers with smartphone-financing plans of three years or longer will be protected by a policy that caps cancellation fees. Since 2019, Canada's major mobile phone carriers have increasingly offered plans that separate instalment payments for mobile phones from the monthly service fees.