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The C.D. Howe Institute is an independent not-for-profit research institute whose mission is to raise living standards by fostering economically sound public policies. Widely considered to be Canada's most influential think tank, the Institute is a trusted source of essential policy intelligence, distinguished by research that is nonpartisan, evidence-based and subject to definitive expert review.

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Financial Services and Regulation

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This area covers policies and regulations, such as prudential or consumer regulations, as well as technology and other competitive pressures affecting the financial services industry, financial markets and the financial system as a whole, and their ability to effectively perform their core economic functions.

Opportunities for Better Systemic Risk Management in Canada
Opportunities for Better Systemic Risk Management in Canada
September 21, 2017 - Nicholas Le Pan
Ottawa and the provinces should bolster their ability to monitor and deal with systemic risks to the financial system, according to a report from the C.D. Howe Institute. In Opportunities for Better...
Not Ready for Prime Time: Canada’s Proposed New Securities Regulator
Not Ready for Prime Time: Canada’s Proposed New Securities Regulator
September 19, 2017 - Harvey Naglie
Canada’s proposed new securities regulator , due to be rolled out next year, is not ready for launch, according to a leading financial expert. In Not Ready for Prime Time: Canada’s Proposed New...
Bits, Bytes, and Taxes: VAT and the Digital Economy in Canada
Bits, Bytes, and Taxes: VAT and the Digital Economy in Canada
August 23, 2017 - Rosalie Wyonch
Foreign providers of online services enjoy a tax advantage over domestic providers, according to a new report from the C.D. Howe Institute. In Bits, Bytes, and Taxes: VAT and the Digital Economy in...
Mortgage Insurance Deductibles: An Idea Whose Time Hasn't Come
Mortgage Insurance Deductibles: An Idea Whose Time Hasn't Come
July 19, 2017 - Thorsten V. Koeppl and James MacGee
Ottawa should reject a “blunt” option it is considering to address the build-up of risky mortgages in the housing sector, according to the latest C.D. Howe report. In Mortgage Insurance Deductibles:...
Spendthrifts and Savers: Are Canadians Acting Like they are “House Poor” or “House Rich”?
Spendthrifts and Savers: Are Canadians Acting Like they are “House Poor” or “House Rich”?
June 6, 2017 - Jeremy Kronick
House rich, big-spending Canadians are taking a gamble on the risk of an economic shock in Canada, according to a new report from the C.D. Howe Institute. In Spendthrifts and Savers: Are Canadians...
Blockchain Technology – What’s in Store for Canada’s Economy and Financial Markets?
Blockchain Technology – What’s in Store for Canada’s Economy and Financial Markets?
February 2, 2017 - Thorsten V. Koeppl and Jeremy Kronick
Canadian regulators need to start preparing now for the rapidly approaching blockchain revolution, according to a new report from the C.D. Howe Institute. In “Blockchain Technology – What’s in Store...
Kronick, Hui - Housing Supply Is the Fix to High Household Debt
Intelligence Memos
Kronick, Hui - Housing Supply Is the Fix to High Household Debt
From: Jeremy M. Kronick and Nikki Hui To: Federal, Provincial, and Municipal Policymakers Date: July 11, 2018 Re: Housing Supply Is the Fix to High Household Debt Canadians often get flagged for...
Benjamin Dachis - The Startling Costs of Regulation in Housing Prices
Intelligence Memos
Benjamin Dachis - The Startling Costs of Regulation in Housing Prices
From: Benjamin Dachis To: Ontario’s New Government CC: Municipal governments across the province Date: June 15, 2018 Re: The Startling Costs of Regulation in Housing Prices The cost of housing has...
Jeremy M. Kronick - Open Banking: Here’s Why Its Time Has Come
Intelligence Memos
Jeremy M. Kronick - Open Banking: Here’s Why Its Time Has Come
From: Jeremy M. Kronick To: Canada's Financial Regulators and Policymakers Date: June 7, 2018 Re: Open Banking: Here’s Why Its Time Has Come Senators, insurers and banks are embroiled in a dustup...

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16 May 2018
May
16
Inside Access: Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities
  • Inside Access: Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities
Conference Call with Benjamin Dachis, Associate Director, Research, C.D. Howe Institute
Conference Call
Wednesday, May 16, 2018, 2:00 pm to 2:30 pm
13 Apr 2018
Apr
13
Inside Access: Productivity and the Financial Sector: What’s Missing?
  • Inside Access: Productivity and the Financial Sector: What’s Missing?
Conference Call with Jeremy Kronick, Senior Policy Analyst, C.D. Howe Institute
Conference Call
Friday, April 13, 2018, 3:00 pm to 3:30 pm
08 Mar 2018
Mar
08
Inside Access: The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization
  • Inside Access: The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization
Conference Call with Michael Feldman, Partner, Torys LLP
Conference Call
Thursday, March 8, 2018, 3:00 pm to 3:30 pm

Latest Research

International Prudential Standards in a World of Growing Nationalism and Protectionism
International Prudential Standards in a World of Growing Nationalism and Protectionism
July 12, 2018
Productivity and the Financial Sector – What’s Missing?
Productivity and the Financial Sector – What’s Missing?
April 10, 2018
The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization
The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization
March 8, 2018

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