About the C.D. Howe Institute

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.

Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities
May 15, 2018 - Benjamin Dachis and Vincent Thivierge
Barriers to increasing housing supply, many stemming from excessive regulation, are driving up the price of homes in Canadian cities by six figures, finds a new report from the C.D. Howe Institute....
Productivity and the Financial Sector – What’s Missing?
April 10, 2018 - Jeremy Kronick
Canada’s financial institutions are key to solving the country’s productivity problem, according to a new report from the C.D. Howe Institute. In “Productivity and the Financial Sector – What’s...
The Case for Longer Mortgages: Addressing the Mismatch between Term and Amortization
March 8, 2018 - Michael K. Feldman
Longer mortgages would benefit homebuyers and increase competition in the mortgage market, according to a new report from the C.D. Howe Institute. In “The Case for Longer Mortgages: Addressing the...
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
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...
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:...
Initial coin offerings could provide badly needed financing for Canadian startups - Globe and Mail Op-Ed
Op-Ed
The momentum around initial coin offerings (ICOs) continues to build. Since 2016, when less than US$100-million in ICOs was issued, more than $20-billion in capital has been raised. By the end of...
Jeremy M. Kronick - Improving the Financial Services Sector
Intelligence Memos
Federal budgets are an annual rite of spring in Ottawa, as is the deluge of advice to the Department of Finance. But budget-making is a yearlong process, and the work is now in progress. Accordingly...
Kronick, Hui - The Path to Open Banking in Canada
Intelligence Memos
Federal budgets are an annual rite of spring in Ottawa, as is the deluge of advice to the Department of Finance. But budget-making is a yearlong process, and the work is now in progress. Accordingly...

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23 Jan 2019
Jan
23
  • Canada’s Domestic Stability Buffer: Swimming Against the Tide
Roundtable Luncheon with Jamey Hubbs, Assistant Superintendent, Deposit-Taking Supervision Sector, Office of the Superintendent of Financial Institutions
Toronto, 67 Yonge Street, Suite 300
Wednesday, January 23, 2019, 12:00 pm to 1:30 pm
13 Dec 2018
Dec
13
  • “Regulator” Reform: 2018 Annual Financial Services Conference
Special Policy Conference
Toronto, 67 Yonge Street, Suite 300
Thursday, December 13, 2018, 8:30 am to 4:15 pm
11 Dec 2018
Dec
11
  • Managing Risk in the Canadian Housing Market
Special Policy Conference
Toronto, 67 Yonge Street, Suite 300
Tuesday, December 11, 2018, 8:30 am to 1:15 pm
Sponsored by:
Managing Risk in the Canadian Housing Market
Managing Risk in the Canadian Housing Market
© 2019 C.D. Howe Institute. All Rights Reserved.
© 2019 C.D. Howe Institute. All Rights Reserved.