October 7, 2025 – With about one in three now turning to online influencers for investment decisions, fragmented regulation and rising costs may be pricing Canadians out of direct access to personal financial advisors, according to a new report from the C.D. Howe Institute. In “Regulatory Reset: A Policy Roadmap for Expanding Financial Advice to […]
Reduced access to financial advice is closely linked to lower participation in tax-advantaged savings and investment programs. This is largely due to limited financial literacy and behavioural inertia – barriers that financial advisors are uniquely positioned to help Canadians overcome. Limited financial participation at the individual household level has broader economic consequences: lower household financial […]
September 25, 2025 – Rising geopolitical tensions may make it more challenging for Canadian authorities to repatriate foreign assets of financial institutions that have large international operations if any of them were ever to fail in the future, according to a new report by the C.D. Howe Institute. The report warns of this growing risk, […]
by Mark Zelmer  Rising geopolitical tensions may make it more challenging to facilitate an orderly recovery or resolution of internationally active Canadian financial institutions in the event they encounter distress. Foreign authorities are likely to continue to prevent the repatriation of surplus assets from their jurisdictions in times of stress until their own creditors have […]
September 11, 2025 – The C.D. Howe Institute’s Monetary Policy Council (MPC) calls for the Bank of Canada to cut its target for the overnight rate, its benchmark policy interest rate, to 2.50 percent at its next announcement on September 17th. The MPC further calls for the Bank to cut the target to 2.25 percent at its […]
 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: Harvey NaglieTo: Ontario financial regulators Date: August 5, 2025Re: From Dashboards to Decisions: Why Ontario Should Lead on Financial Complaint Reform A recent C.D. Howe Institute Commentary advocated the development of a national pension dashboard – one that would allow Canadians to track and plan for retirement more effectively. That same logic – greater transparency, smarter […]
From: Harvey NaglieTo: Banking observersDate: July 29, 2025Re: Canada Can’t Afford to Wait for Open Banking Canada is at risk of becoming the last G7 nation to implement open banking. The federal government has announced a launch target of early 2026. While this commitment is welcome, the timeline is far too slow – and the […]
From: Mark ZelmerTo: Financial system watchersDate: July 28, 2025Re: There’s a Cost to More Generous Deposit Insurance Limits As Canada adjusts to a more hostile geopolitical environment, it is important that the safety net that underpins our financial system remains fit for purpose. Deposit insurance is an important part of that net. Because of the […]
July 24, 2025 – The C.D. Howe Institute’s Monetary Policy Council (MPC) calls for the Bank of Canada to leave its target for the overnight rate, its benchmark policy interest rate, unchanged at 2.75 percent at its next announcement on July 30th. The MPC further calls for the Bank to cut the target to 2.50 percent at […]
Canadian firms that actively work to tackle innovation barriers, such as financial constraints or skills shortages, are significantly more likely to innovate than those that don’t act. Catherine Beaudry shows where the biggest gains come from for Canadian businesses.
July 24, 2025 – Canadian firms that actively work to tackle innovation barriers, such as financial constraints or skills shortages, are significantly more likely to innovate than those that don’t act, according to a new report from the C.D. Howe Institute. In “Unleashing Innovation: Barriers, Government Support Programs, and What Works Best,” Catherine Beaudry shows […]
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October 7, 2025 – With about one in three now turning to online influencers for investment decisions, fragmented regulation and rising costs may be pricing Canadians out of direct access to personal financial advisors, according to a new report from the C.D. Howe Institute. In “Regulatory Reset: A Policy Roadmap for Expanding Financial Advice to […] 
by Mark Zelmer  Rising geopolitical tensions may make it more challenging to facilitate an orderly recovery or resolution of internationally active Canadian financial institutions in the event they encounter distress. Foreign authorities are likely to continue to prevent the repatriation of surplus assets from their jurisdictions in times of stress until their own creditors have […] 
September 11, 2025 – The C.D. Howe Institute’s Monetary Policy Council (MPC) calls for the Bank of Canada to cut its target for the overnight rate, its benchmark policy interest rate, to 2.50 percent at its next announcement on September 17th. The MPC further calls for the Bank to cut the target to 2.25 percent at its […] 
 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: Harvey NaglieTo: Ontario financial regulators Date: August 5, 2025Re: From Dashboards to Decisions: Why Ontario Should Lead on Financial Complaint Reform A recent C.D. Howe Institute Commentary advocated the development of a national pension dashboard – one that would allow Canadians to track and plan for retirement more effectively. That same logic – greater transparency, smarter […] 
From: Harvey NaglieTo: Banking observersDate: July 29, 2025Re: Canada Can’t Afford to Wait for Open Banking Canada is at risk of becoming the last G7 nation to implement open banking. The federal government has announced a launch target of early 2026. While this commitment is welcome, the timeline is far too slow – and the […] 
From: Mark ZelmerTo: Financial system watchersDate: July 28, 2025Re: There’s a Cost to More Generous Deposit Insurance Limits As Canada adjusts to a more hostile geopolitical environment, it is important that the safety net that underpins our financial system remains fit for purpose. Deposit insurance is an important part of that net. Because of the […] 
Canadian firms that actively work to tackle innovation barriers, such as financial constraints or skills shortages, are significantly more likely to innovate than those that don’t act. Catherine Beaudry shows where the biggest gains come from for Canadian businesses.