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It might boggle the mind how much is different in Quebec. It is almost the same as doing business in another country. It is likely not worth it to have to re-invent itself for a population base of 8 million.

https://www.osler.com/en/resources/cross-border/2017/guide-to-doing-business-in-quebec

maxifunds: Canada actually has much tighter federal control than the U.S. in most matters. The U.S. constitution assigns specific powers to the federal government, and all others devolve to the individual states. That's why new-tech stuff gets complicated there, as it was never assigned.

Canada's constitutions (s) assign specific powers to the provinces, and all others default to the feds. Unless the federal government acts, newfangled things stay with them.

Of course, some provincial governments (Quebec, Alberta, and to a lesser extent Ontario and New Brunswick) have been trying to usurp federal powers or declare themselves free of them lately. Pootie on that.

I believe it was Newfoundland's (its name at the time) prime minister Clyde Wells that said charter rights did not protect the federal government, but rather individual Canadians, from provincial overreach. I think this was detailed (long ago, but I did read the book and follow its footnotes) in Deborah Coyne's Roll of the Dice: Working with Clyde Wells during the Meech Lake Accord.

In Canada, legal jurisdiction is divided and sometimes shared.

A Schedule I bank has a charter under the federal Bank Act to operate across Canada. But, that doesn't exempt the bank from provincial income taxes and municipal property taxes. That also doesn't exempt the bank from municipal zoning laws that restrict where it can open its branches.

If a province disallows joint tenant ownership of accounts under its provincial property laws, like Quebec does, then the bank cannot offer joint tenant accounts in that province.

It's not really Quebec's civil legal system that is the issue. It's the extra requirements that the provincial govenrment has required from business that operate in the province. Another province could impose those same requirements under common law.