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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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Banking, Credit and Payments

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Swimming with Whales: How to Encourage Competition from Small Banks
October 4, 2016 - John Jason

Ottawa should consider new regulatory approaches to bolster the role of smaller financial institutions if it is to achieve its goals of enhancing quality, price and innovation in that sector,...

Money in Motion: Modernizing Canada’s Payment System
August 25, 2015 - John Chant

Reforming the Canadian payment system would save businesses and consumers billions of dollars each year, according to a new C.D. Howe Institute report. In “Money in Motion: Modernizing Canada’s...

A Speedier and More Efficient Payments System for Canada
November 20, 2014 - Mati Dubrovinsky

Canada needs a better and faster payments system, according to a report from the C.D. Howe Institute. In “A Speedier and More Efficient Payments System for Canada,” author Mati Dubrovinsky finds...

Predicting Recessions in Real-Time: Mining Google Trends and Electronic Payments Data for Clues
September 4, 2013 - Greg Tkacz

Predicting recessions in real-time could be made possible by mining vast new sources of electronic data, according to a report released today by the C.D. Howe Institute. In “Predicting Recessions...

Combatting the Dangers Lurking in the Shadows: The Macroprudential Regulation of Shadow Banking
September 5, 2012 - David Longworth

Financial regulators should turn their attention to the potential threats to financial stability lurking in the shadow banking system, according to a report released today by the C.D. Howe...

Debit, Credit and Cell: Making Canada a Leader in the Way We Pay
June 21, 2012 - Philippe Bergevin and Todd J. Zywicki

Canadians are avid users of debit cards, credit cards and online payments, but our payment system needs reform to spur innovation, according to a report released today by the C.D. Howe Institute....

James M. Mabbutt - Consumer Protection, Banks and Federal Authority
Intelligence Memos
From: James M. Mabbutt To: Finance Minister Morneau Date: December 21, 2016 Re: Consumer Protection, Banks and Federal Authority Your proposed budget implementation legislation (Bill C-29) set up a...
Other Research
The C.D. Howe Institute organized an invitation-only conference in Toronto entitled The Future of Financial Services: Competition and Growth. The event brought together financial sector executives,...
Op-Ed
Published in the National Post on June 24, 2015 By William Robson William Robson is president and CEO of the C. D. Howe Institute. Inflation? Meh. To most Canadians, especially young Canadians, it’s...

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