City to borrow $50 million for fire gear

Summary#

On December 15, 2025, Montréal city council unanimously set the city’s position in favor of adopting a $50,000,000 borrowing bylaw for specialized fire-safety equipment. This decision does not itself adopt the bylaw: the agglomeration council makes the final decision at a later meeting. City staff say the goal is to finance equipment purchases and maintenance parts for the Service de sécurité incendie de Montréal (Montréal Fire Department, SIM).

  • The proposed borrowing would finance breathing apparatus, firefighting clothing, other specialized equipment, and parts and accessories needed for maintenance.
  • The listed purchases include $19.0 million for breathing apparatus planned for 2027; $19.1 million for firefighting clothing over 2026–2030; and $6 million for other specialized equipment over 2026–2030.
  • The bylaw could also fund future specialized equipment and maintenance parts under the SIM’s ten-year capital program.

What it means for you#

  • Firefighters: The plan would finance equipment the SIM must provide to its firefighter employees. City staff say it must meet applicable health and safety laws and National Fire Protection Association standards.
  • Residents and taxpayers: The decision does not create a new service or charge residents a direct fee. The decision summary says the expense would be paid 100% by the agglomeration.
  • People in Montréal and linked municipalities: The city has supported the bylaw, but the agglomeration council still makes the final decision.

Money#

The proposed borrowing is $50,000,000; the materials do not give a total borrowing cost including interest.

  • Planned purchases listed by city staff total $44.1 million: $19.0 million for breathing apparatus, $19.1 million for firefighting clothing, and $6 million for other specialized equipment.
  • The bylaw could also finance later equipment purchases and maintenance parts. The materials do not say how the remaining amount would be used.
  • City staff say the expense would be borne entirely by the agglomeration. No repayment schedule, interest rate, or cost allocation among municipalities is provided.

What is unclear#

  • The agglomeration council’s decision is not in these materials. City staff expected Québec government approval and a public notice for the bylaw in the first quarter of 2026.
  • The materials do not specify repayment terms, interest costs, or how the agglomeration’s costs would be shared.
  • The bylaw could cover future equipment and maintenance parts, but the materials do not give a complete list or a process for choosing those purchases.

Case for#

  • A possible argument for the bylaw is that it would provide financing for equipment used to protect firefighters and the public.
  • The listed purchases include replacement breathing apparatus and firefighting clothing, as well as equipment such as gas detectors and automated defibrillator monitors.
  • City staff say maintaining protective equipment can help keep it in service longer.

Case against#

  • One concern is that borrowing $50 million would create a debt cost, but the materials do not state the interest or repayment terms.
  • The listed purchases total less than the borrowing amount, and the bylaw could also fund later purchases and maintenance parts without detailing all of them.
  • The materials do not explain how costs would be divided among the agglomeration’s municipalities.