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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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Consumers' Interests and Protection


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...

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...

Smokes, Smugglers and Lost Tax Revenues: How Governments Should Respond
February 28, 2017 - Anindya Sen

Provinces should fight contraband cigarettes with better policing, and reforming government allocation of cigarettes to Aboriginal reserves, rather than impose higher taxes, according to new...

Rethinking Ontario's Electricity System with Consumers in Mind
September 3, 2014 - Michael Wyman

Ontario electricity consumers will benefit from less risk and lower prices if the province moves to a capacity market for obtaining generation, according to a report from the C.D. Howe Institute....

Uncorking a Strange Brew: The Need for More Competition in Ontario's Alcoholic Beverage Retailing System
August 19, 2014 - Anindya Sen and Paul R. Masson

The lack of competition in Ontario’s system for alcoholic beverage retailing causes higher prices for consumers and foregone government revenue, according to a report from the C.D. Howe Institute...

May 22, 2013 - Marty McKendry and Robert Mysicka

Governments in Canada maintain monopolies in certain sectors of the economy through regulations that advance private interests at an unreasonable cost to consumers, according to a report from the...

Why Ontario should hold a second cannabis retail lottery - Globe and Mail Op-Ed
Ontario Premier Doug Ford’s decision last fall to put the retailing of cannabis in the hands of the private sector was a good one. The province recently held a lottery to determine who would operate...
Rosalie Wyonch - Competitive Digital Taxation for Federal Budget 2019
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...
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...

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© 2019 C.D. Howe Institute. All Rights Reserved.
© 2019 C.D. Howe Institute. All Rights Reserved.