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.

Get the App

Financial Services and Regulation

Share

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.

Managing Uncertainty: The Search for a Golden Discount-Rate Rule for Defined-Benefit Pensions
January 31, 2019 - Stuart Landon and Constance Smith
Public-Sector pensions are using risky projections to calculate their future liabilities, according to a new report from the C.D. Howe Institute. In “Managing Uncertainty: The Search for a Golden...
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...
Hold the panic: Maybe Canadians aren’t facing a debt insolvency crisis after all - Financial Post Op-Ed
Op-Ed
For much of the last decade, Canadians have been told their debt levels were unsustainable and that their day of reckoning was fast approaching. Data recently released by the Office of the...
Denis Meunier - Why is Canada Still the World’s Money Laundering Pawn?
Intelligence Memos
From: Denis Meunier To: Canada's Financial Regulators and Policymakers Date: January 28, 2019 Re: Why is Canada Still the World’s Money Laundering Pawn? Official estimates of money laundering in...
Koeppl, Kronick - How to Regulate Initial Coin Offerings
Intelligence Memos
From: Thorsten Koeppl and Jeremy M. Kronick To: Canadian Securities Regulators Date: December 19, 2018 Re: How to Regulate Initial Coin Offerings Given the boom in, and media attention surrounding,...
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,...
26 Mar 2019
Mar
26
  • Peter Routledge, President and Chief Executive Officer, Canada Deposit Insurance Corporation
Roundtable Luncheon
Toronto, 67 Yonge Street, Suite 300
Tuesday, March 26, 2019, 12:00 pm to 1:30 pm
26 Feb 2019
Feb
26
  • Impact Investing: The Opportunity for Corporations, Government and Philanthropists
Roundtable with Malcolm Burrows, Adam Jagelewski and Bill Young
Toronto, 67 Yonge Street, Suite 300
Tuesday, February 26, 2019, 12:00 pm to 1:30 pm
07 Feb 2019
Feb
07
  • Non-Financial Risk and Operational Resilience: The Rise of Machines
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
© 2019 C.D. Howe Institute. All Rights Reserved.
© 2019 C.D. Howe Institute. All Rights Reserved.