Water in the Wine? Monetary Policy and the Impact of Non-bank Financial Intermediaries
February 4, 2020 - Jeremy Kronick and Wendy Wu

February 4, 2020 – The rapid growth of the non-bank financial intermediation sector, formerly called shadow banking, appears to dilute monetary policy effectiveness in Canada and poses a risk to...

Productivity and the Financial Services Sector – How to Achieve New Heights
October 17, 2019 - Farah Omran and Jeremy Kronick

Restrictive rules holding back innovation in the financial sector should be updated to bolster Canada’s productivity, says a new report from the C.D. Howe Institute.

In “Productivity and...

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,...

How to Make the World Safe for (and from) Covered Bonds
August 20, 2015 - Finn Poschmann

Although few outside of financial circles have heard of covered bonds, they have emerged as an important and efficient funding channel for Canadian mortgage lending, according to a new report...

Reining in the Risks: Rethinking the Role of Crown Financial Corporations in Canada
February 6, 2013 - Finn Poschmann and Philippe Bergevin

After years of “mission creep” at Canada’s Crown financial corporations, their activities have expanded far beyond their original mandates and need reassessment, according to a new report from the...

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....

Canada's shadow banks are now too big to ignore - National Post Op-Ed
Op-Ed
In Canada the financial services sector weathered the 2007-08 global “credit crunch” better than it did in many other developed countries. One argument for why, certainly in contrast to the U.S., was...
Joanne De Laurentiis – Modernizing the Regulation of Financial Advice
Intelligence Memos
From: Joanne De Laurentiis To: Canada’s security regulators Date: January 22, 2020 Re: Modernizing the regulation of financial advice Canada’s investment advisory industry has evolved through...
Our financial system saved us from the worst of the 2009 crisis, now it’s holding our economy back - Financial Post Op-Ed
Op-Ed
Discussion of Canada’s lagging productivity performance was missing from the recent federal election campaign, which is perhaps no surprise. It’s not a subject that lends itself to daily...

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