From: Peter MacKenzie and Mark Zelmer To: Stablecoin watchers Date: January 19, 2026 Re: The Stablecoin Regulatory Challenge Stablecoins are often framed as a niche innovation, something for crypto enthusiasts or a problem best left to market forces. That framing is increasingly outdated. As stablecoins move closer to the financial mainstream, they raise fundamental questions […]
 The C.D. Howe Institute’s toolkit for tracking the economy is a customized series of data sets from past Institute publications. These tools can be helpful for policymakers and other parties interested in analyzing monetary policy and financial stability decisions. These unique variables, which can all be found in past Institute work, include: The Leading […]
From: Gary EdwardsTo: Financial Advice ObserversDate: January 14, 2026Re: Bringing Order to the Finfluencer Ecosystem Canada’s financial regulatory system is built for a world that no longer exists. It assumes that financial advice is delivered by licensed professionals, through regulated firms, in clearly defined settings. But for millions of Canadians – especially younger ones and […]
From: Jeremy M. Kronick and Mark ZelmerTo: Canada’s ministries and departments of financeDate: January 12, 2026Re: Financial Services Regulation Needs More Than Incremental Tinkering A country’s financial sector plays a crucial role in driving economic growth – Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into […]
Published in The Hill Times. A country’s financial sector plays a crucial role in driving economic growth—Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into loans that have stimulated economic growth, supplying the plumbing for the economy through its payment systems, and pooling risks so […]
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode of the C.D. Howe Institute Podcast, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad, what […]
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad.        […]
From: Mark Zelmer, Jeremy M. Kronick and Peter MacKenzie To: Crypto observersDate: December 8, 2025Re: Stablecoin Act is a Good Start, Now Let’s Get the Details Right Privately issued stablecoins – digital tokens designed to maintain a fixed value relative to a fiat currency – are often hailed as the next big leap in payments […]
Published in Financial Post. Canada’s financial regulators have long had mandates that prioritize stability and consumer protection. That approach helped the country fend off the worst of the 2008 financial crisis. But Canada has a productivity problem, and growth and innovation are important, too. It is hard not to conclude the regulatory balance has shifted […]
“Sluggish, Not Stressed, But Elevated Risks”: Council Recommends Leaving Buffer at 3.5 Percent Fifth Meeting of the C.D. Howe Institute Domestic Stability Buffer Council At its meeting on November 12, 2025, the C.D. Howe Institute’s Domestic Stability Buffer Council (DSBC) recommended that the Office of the Superintendent of Financial Institutions (OSFI) maintain the Domestic Stability Buffer (DSB) […]
November 20, 2025 – The C.D. Howe Institute’s Domestic Stability Buffer Council (DSBC) recommends that the Office of the Superintendent of Financial Institutions (OSFI) maintain the Domestic Stability Buffer (DSB) for Canada’s largest banks at 3.5 percent of total risk-weighted assets at its next setting in December. The domestic stability buffer is the capital that Canada’s major […]
About a third of Canadians are taking financial advice from “finfluencers.” Golfdale Consulting’s Gary Edwards warns that this is a recipe for disaster for a demographic that can’t afford to gamble with their retirement funds. He offers two solutions.
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From: Peter MacKenzie and Mark Zelmer To: Stablecoin watchers Date: January 19, 2026 Re: The Stablecoin Regulatory Challenge Stablecoins are often framed as a niche innovation, something for crypto enthusiasts or a problem best left to market forces. That framing is increasingly outdated. As stablecoins move closer to the financial mainstream, they raise fundamental questions […] 
 The C.D. Howe Institute’s toolkit for tracking the economy is a customized series of data sets from past Institute publications. These tools can be helpful for policymakers and other parties interested in analyzing monetary policy and financial stability decisions. These unique variables, which can all be found in past Institute work, include: The Leading […] 
From: Gary EdwardsTo: Financial Advice ObserversDate: January 14, 2026Re: Bringing Order to the Finfluencer Ecosystem Canada’s financial regulatory system is built for a world that no longer exists. It assumes that financial advice is delivered by licensed professionals, through regulated firms, in clearly defined settings. But for millions of Canadians – especially younger ones and […] 
From: Jeremy M. Kronick and Mark ZelmerTo: Canada’s ministries and departments of financeDate: January 12, 2026Re: Financial Services Regulation Needs More Than Incremental Tinkering A country’s financial sector plays a crucial role in driving economic growth – Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into […] 
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode of the C.D. Howe Institute Podcast, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad, what […] 
From: Mark Zelmer, Jeremy M. Kronick and Peter MacKenzie To: Crypto observersDate: December 8, 2025Re: Stablecoin Act is a Good Start, Now Let’s Get the Details Right Privately issued stablecoins – digital tokens designed to maintain a fixed value relative to a fiat currency – are often hailed as the next big leap in payments […] 
Published in Financial Post. Canada’s financial regulators have long had mandates that prioritize stability and consumer protection. That approach helped the country fend off the worst of the 2008 financial crisis. But Canada has a productivity problem, and growth and innovation are important, too. It is hard not to conclude the regulatory balance has shifted […] 
“Sluggish, Not Stressed, But Elevated Risks”: Council Recommends Leaving Buffer at 3.5 Percent Fifth Meeting of the C.D. Howe Institute Domestic Stability Buffer Council At its meeting on November 12, 2025, the C.D. Howe Institute’s Domestic Stability Buffer Council (DSBC) recommended that the Office of the Superintendent of Financial Institutions (OSFI) maintain the Domestic Stability Buffer (DSB) […] 
About a third of Canadians are taking financial advice from “finfluencers.” Golfdale Consulting’s Gary Edwards warns that this is a recipe for disaster for a demographic that can’t afford to gamble with their retirement funds. He offers two solutions.