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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.

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:...
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...
Laurin, Omran - Insurance Premium Taxation is Archaic and Counterproductive
Intelligence Memos
From: Alexandre Laurin and Farah Omran To: Canadian Ministers of Finance Date: October 4, 2018 Re: Insurance Premium Taxation is Archaic and Counterproductive Canadian governments should reassess the...
Benjamin Dachis - City of Vancouver Plans to Worsen Housing Affordability with Increased Fees on Developers
Intelligence Memos
To: Vancouver City Council From: Benjamin Dachis Date: July 25, 2018 Re: City of Vancouver plans to worsen housing affordability with increased fees on developers House prices in Vancouver have...
Zelmer, Kronick - Rising Nationalism Dims Prospects for Future Financial Standards Reforms
Intelligence Memos
From: Mark Zelmer and Jeremy M. Kronick To: International Financial Standard Setters Date: July 17, 2018 Re: Rising Nationalism Dims Prospects for Future Financial Standards Reforms Progress in...

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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
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Managing Risk in the Canadian Housing Market
Managing Risk in the Canadian Housing Market
29 Nov 2018
Nov
29
  • Inside Access: Tales from the Crypt - How to Regulate Initial Coin Offerings
Exclusive Members Only Call with author Jeremy Kronick
Thursday, November 29, 2018, 3:00 pm to 3:30 pm
15 Nov 2018
Nov
15
  • Special Policy Conference: Open Banking in Canada: The Time is Now
Toronto, 67 Yonge Street, Suite 300
Thursday, November 15, 2018, 8:30 am to 4:15 pm
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© 2018 C.D. Howe Institute. All Rights Reserved.