R. John Cameron

R. John Cameron

Senior Counsel
Toronto: 416.865.8112
Fax 416.865.7380


LLB, 1981
University of Toronto
BA, 1980
University of Toronto

Bar Admissions

New York, 2000 Ontario, 1983


John Cameron advises pension funds, banks and insurance companies about Canadian laws affecting their investing and other business activities. He frequently advises financial institutions about their development of new products, including advice about regulatory compliance and steps to mitigate credit risk through the use of financial collateral. John works to provide clear and concise assessments of legal risk, and solutions to avoid or mitigate those risks, for Torys’ clients in any area of business—addressing contract and statutory interpretation in situations where the contract or the law is unclear or is difficult to apply.

During the first part of his career, John represented borrowers and financial institutions in their capital raising and debt restructuring activities. For two years, John was Chase Manhattan Bank’s sole internal counsel in Canada. John joined Torys in 1987, and became a partner in the Banking and Debt Finance and Corporate and Commercial Lending groups. In the early 1990s, John joined, and later became co-head of, Torys’ Research group.

Today, John deals with special situations where the legal issues are novel or the stakes are high, working as part of Torys’ Capital Markets, International, IPOs, Mergers and Acquisitions, Private Equity, Bank Regulatory, Insurance, Financial Services, and Pensions and Employment groups.

Representative Work

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Best Lawyers' Best Lawyers in Canada—Leading lawyer in mergers and acquisitions law (2016-2018)

Lexpert/Thomson Reuters' Canadian Legal Lexpert Directory—Leading lawyer in banking (2016-2017)


OSFI Finalizes New Guidance for Reinsurance Security Agreements in Canada: An Update

Torys on Financial Institution Regulation

PPSA Developments at Home and Abroad

Annual Workshop on Commercial and Consumer Law, University of Toronto, Faculty of Law, Toronto

Directors' Duties After BCE: Supreme Court of Canada Decides

Corporate Governance Report, vol. 4, no. 1


Professional Involvement

John has helped to shape personal property security law in Ontario. For example:

  • John is a past chair of the Personal Property Security Legislation Committee of the Business Law Section of the Ontario Bar Association, which monitors developments in this area of law. Over the past two decades of John’s involvement, the committee has made several submissions for reform of the Ontario Personal Property Security Act, most of which have been enacted.
  • John chaired an OBA committee that delivered a comprehensive report on personal property security opinions. The report was an Ontario Bar Association bestseller and is the standard reference in this area, helping lawyers to resolve opinions more efficiently.
  • John has been involved in personal property security law reform projects for the Uniform Law Conference of Canada, including a report that recommended changes to accommodate the Uniform Securities Transfer Act.
  • In 2004, John made a televised appearance before Ontario’s Legislative Committee on Finance and Economic Affairs, speaking to MPPs about the need for Ontario and all provinces to enact the Uniform Securities Transfer Act, and addressing their questions on the topic. The Securities Transfer Act, which was enacted in 2006, modernizes Canadian laws governing the transfer and pledge of shares, bonds and other publicly traded securities, bringing Canadian laws in this area up to date with Article 8 of the Uniform Commercial Code in the United States.

John has also been involved in law reform initiatives addressing income trusts. In 2003, he chaired an ad hoc committee of the OBA that supported the enactment in Ontario of the Trust Beneficiaries’ Liability Act, 2004, limiting the liability of investors in publicly traded income trusts. John was a member of the working group that in August of 2006 submitted its report “The Uniform Income Trusts Act: Closing the Gap Between Traditional Trust Law and Current Governance Expectations” to the Uniform Law Conference of Canada.

John speaks regularly about personal property security law and opinions at continuing education seminars for the OBA, the Law Society of Upper Canada and other organizations.


  • Editorial Board of the Banking & Finance Law Review
  • Past Chair of Toronto Easter Seals Regatta