What does the law say about surrendering credit cards to the trustee when filing a consumer proposal? A friend filed a proposal and surrendered all his cards to the trustee, except for one whose balance was zero at the time of filing. This card is very rarely used. I understand that in the event of bankruptcy, he would have been required to surrender it, but this is only a proposal.

In a proposal, the law does not require the applicant to hand over their credit cards to the trustee.

However, in reality, the person filing a proposal will almost certainly have all their cards cancelled directly by the issuer, who will be notified of the proposal in one way or another.
Keeping a card under such circumstances will prove embarrassing for the applicant, who could have their card declined at an unexpected time. This is why trustees prefer to collect them.