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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.

Tales from the Crypt - How to Regulate Initial Coin Offerings
November 21, 2018 - Jeremy Kronick and Thorsten V. Koeppl
Initial Coin Offerings (ICOs) fill an essential gap in funding for entrepreneurs with limited access to other forms of capital, but a new report from the C.D. Howe Institute says smart guidelines are...
Piling On – How Provincial Taxation of Insurance Premiums Costs Consumers
October 2, 2018 - Alexandre Laurin and Farah Omran
Canadian governments should reassess the cascading taxes imposed on insurance premiums, according to a new report from the C.D. Howe Institute. In “Piling On – How Provincial Taxation of Insurance...
Tooling Up: Canada Needs More Robust Capital Investment
September 13, 2018 - William B.P. Robson, Jeremy Kronick and Jacob Kim
Weak business investment is a threat to Canada’s future prosperity, according to a new report published by the C.D. Howe Institute. In “Tooling up: Canada Needs More Robust Capital Investment,”...
Hidden Beneficial Ownership and Control: Canada as a Pawn in the Global Game of Money Laundering
September 6, 2018 - Denis Meunier
Canada is a laggard when it comes to anti-money laundering and anti-terrorist financing measures, according to a new report published by the C.D. Howe Institute. In “Hidden Beneficial Ownership and...
International Prudential Standards in a World of Growing Nationalism and Protectionism
July 12, 2018 - Jeremy Kronick and Mark Zelmer
Progress in establishing international standards that promote trade, investment and prosperity is facing headwinds from the global rise of nationalism and populism, according to a new report from the...
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....
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...
Les lignes de faille : Tremblements de terre, assurance, et risque financier systémique
Research
Les lignes de faille d’un tremblement de terre majeur au Canada pourraient se propager rapidement dans l’ensemble de l’industrie des assurances et avoir des répercussions financières systémiques,...
Op-Ed
Publié dans La Presse le 30 Juillet, 2012. Par Stéphane Rousseau Depuis la crise financière, les régulateurs déploient des efforts pour encadrer les agences de notation de crédit. Malheureusement,...
07 Feb 2019
Feb
07
  • Trends in Technology and Digitization
Roundtable Luncheon with Ben Gully, Assistant Superintendent, Risk Support Sector, Office of the Superintendent of Financial Institutions
Toronto, 67 Yonge Street, Suite 300
Thursday, February 7, 2019, 12:00 pm to 1:30 pm
23 Jan 2019
Jan
23
  • Jamey Hubbs, Assistant Superintendent, Deposit-Taking Supervision Sector, Office of the Superintendent of Financial Institutions
Roundtable Luncheon
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

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© 2018 C.D. Howe Institute. All Rights Reserved.

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© 2018 C.D. Howe Institute. All Rights Reserved.