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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.

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
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
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...
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...
Playing from Strength: Canada’s Trade Deal Priorities for Financial Services
November 29, 2016 - Daniel Schwanen, Jeremy Kronick and Ramya Muthukumaran
Despite trade deals facing opposition, Canada still has key opportunities to expand its global presence, according to a new report from the C.D. Howe Institute. In “Playing from Strength: Canada’s...
Mortgage insurance deductibles: an idea whose time hasn’t come: Globe and Mail Op-ed
Op-Ed
The rise in house prices – especially in Toronto and Vancouver – has coincided with a build-up of risks in the mortgage market and homeowners taking on too much debt relative to their income. In...
Thorsten Koeppl - What the “Terminator” Tells Us about Blockchain and your Privacy
Intelligence Memos
From: Thorsten Koeppl To: Office of the Privacy Commissioner of Canada Date: May 18, 2017 Re: What the “Terminator” Tells Us about Blockchain and your Privacy The Blockchain revolution is here.  And...
Don Forgeron - The Plain Truth about Flood Risk
Intelligence Memos
From: Don Forgeron To: Federal and Provincial Ministers of Public Safety and Infrastructure Date: May 12, 2017 Re: The Plain Truth about Flood Risk Boats full of possessions floating down streets....
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,...
06 Nov 2017
Nov
06
  • Currency Without Cash
Roundtable Luncheon with Scott Hendry, Brian Lang and Thorsten Koeppl
Toronto, 67 Yonge Street, Suite 300
Monday, November 6, 2017, 12:00 pm to 1:30 pm
Sponsored by:
OFX
02 Nov 2017
Nov
02
  • Portfolio Construction in Canadian Pension Plans
Roundtable Luncheon with David Long, Geoffrey Rubin and Mike Wissell
Toronto, 67 Yonge Street, Suite 300
Thursday, November 2, 2017, 12:00 pm to 1:30 pm
Sponsored by:
J.P. Morgan
12 Oct 2017
Oct
12
  • Video Conference with Dominic Barton, Global Managing Partner, McKinsey & Company
Video Conference
Toronto, 67 Yonge Street, Suite 300
Thursday, October 12, 2017, 2:15 pm to 3:30 pm

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© 2014 C.D. Howe Institute. All Rights Reserved.

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© 2014 C.D. Howe Institute. All Rights Reserved.