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, the C.D. Howe Institute is presenting a series of Intelligence Memos in the next few weeks, outlining recommendations that we […]
The Study in Brief Insurance premiums have been taxed by Canadian governments for so long – some provinces and municipalities collected small levies as early as the late 1800s – that they’ve become a fixture rarely discussed in the literature and the financial press. For many years, insurance premium taxes were collected from insurers as […]
Canada is a laggard when it comes to anti-money laundering and anti-terrorist financing measures, according to a new report published by the C.D. Howe Institute. In “Hidden Beneficial Ownership and Control: Canada as a Pawn in the Global Game of Money Laundering,” author Denis Meunier points out the need for a publicly accessible central registry […]
In this edition of Graphic Intelligence, we compare Canada’s business lending behavior to that of other OECD countries. Our recent report finds that Canada’s financial sector over the last 15 years has lagged behind other OECD countries in its contribution to productivity growth. One explanation is that certain government policy and regulations have led to […]
To: Vancouver City Council From: Benjamin Dachis Date: July 25, 2018 Re: City of Vancouver plans to worsen housing affordability with increased fees on developers House prices in Vancouver have increased dramatically in recent years. But city council is set to make affordability worse this week through increases in fees on new developments that are […]
From: Mark Zelmer and Jeremy M. Kronick To: International Financial Standard Setters Date: July 17, 2018 Re: Rising Nationalism Dims Prospects for Future Financial Standards Reforms Progress in establishing international standards that promote trade, investment and prosperity is facing headwinds from the global rise of nationalism and populism. And, as we outline in our new C.D. Howe Institute […]
Progress in establishing international standards that promote trade, investment and prosperity is facing headwinds from the global rise of nationalism and populism, according to a new report from the C.D. Howe Institute. In “International Prudential Standards in a World of Growing Nationalism and Protectionism” authors Mark Zelmer and Jeremy Kronick argue that standard setters for […]
From: Jeremy M. Kronick and Nikki Hui To: Federal, Provincial, and Municipal Policymakers Date: July 11, 2018 Re: Housing Supply Is the Fix to High Household Debt Canadians often get flagged for sitting on mountains of household debt, and being in danger of facing a reckoning if interest rates rise, or worse, if a recession hits. Largely, this is measured […]
From: Benjamin Dachis To: Ontario’s New Government CC: Municipal governments across the province Date: June 15, 2018 Re: The Startling Costs of Regulation in Housing Prices The cost of housing has been going through the roof in many parts of Canada. But even as governments have focused on curtailing demand, supply constraints are the more […]
From: Jeremy M. Kronick To: Canada’s Financial Regulators and Policymakers Date: June 7, 2018 Re: Open Banking: Here’s Why Its Time Has Come Senators, insurers and banks are embroiled in a dustup over giving more power to banks to sell customer data to third parties. Even the privacy commissioner weighed in with concerns about the proposed changes to the […]
From: Jeremy Kronick and Nikki Hui To: Concerned Canadians Date: May 22, 2018 Re: Corporate Debt: The Next Financial Crisis Coming to Canada? “Where will the next crisis occur?” The Economist recently asked with one of its typically attention–grabbing headlines. The article’s basic premise was that, despite high levels of corporate debt, investors continue to […]
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. In “Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities” authors Benjamin Dachis and Vincent Thivierge calculate […]
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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, the C.D. Howe Institute is presenting a series of Intelligence Memos in the next few weeks, outlining recommendations that we […] 
The Study in Brief Insurance premiums have been taxed by Canadian governments for so long – some provinces and municipalities collected small levies as early as the late 1800s – that they’ve become a fixture rarely discussed in the literature and the financial press. For many years, insurance premium taxes were collected from insurers as […] 
Canada is a laggard when it comes to anti-money laundering and anti-terrorist financing measures, according to a new report published by the C.D. Howe Institute. In “Hidden Beneficial Ownership and Control: Canada as a Pawn in the Global Game of Money Laundering,” author Denis Meunier points out the need for a publicly accessible central registry […] 
To: Vancouver City Council From: Benjamin Dachis Date: July 25, 2018 Re: City of Vancouver plans to worsen housing affordability with increased fees on developers House prices in Vancouver have increased dramatically in recent years. But city council is set to make affordability worse this week through increases in fees on new developments that are […] 
From: Mark Zelmer and Jeremy M. Kronick To: International Financial Standard Setters Date: July 17, 2018 Re: Rising Nationalism Dims Prospects for Future Financial Standards Reforms Progress in establishing international standards that promote trade, investment and prosperity is facing headwinds from the global rise of nationalism and populism. And, as we outline in our new C.D. Howe Institute […] 
Progress in establishing international standards that promote trade, investment and prosperity is facing headwinds from the global rise of nationalism and populism, according to a new report from the C.D. Howe Institute. In “International Prudential Standards in a World of Growing Nationalism and Protectionism” authors Mark Zelmer and Jeremy Kronick argue that standard setters for […] 
From: Jeremy M. Kronick and Nikki Hui To: Federal, Provincial, and Municipal Policymakers Date: July 11, 2018 Re: Housing Supply Is the Fix to High Household Debt Canadians often get flagged for sitting on mountains of household debt, and being in danger of facing a reckoning if interest rates rise, or worse, if a recession hits. Largely, this is measured […] 
From: Benjamin Dachis To: Ontario’s New Government CC: Municipal governments across the province Date: June 15, 2018 Re: The Startling Costs of Regulation in Housing Prices The cost of housing has been going through the roof in many parts of Canada. But even as governments have focused on curtailing demand, supply constraints are the more […] 
From: Jeremy M. Kronick To: Canada’s Financial Regulators and Policymakers Date: June 7, 2018 Re: Open Banking: Here’s Why Its Time Has Come Senators, insurers and banks are embroiled in a dustup over giving more power to banks to sell customer data to third parties. Even the privacy commissioner weighed in with concerns about the proposed changes to the […] 
From: Jeremy Kronick and Nikki Hui To: Concerned Canadians Date: May 22, 2018 Re: Corporate Debt: The Next Financial Crisis Coming to Canada? “Where will the next crisis occur?” The Economist recently asked with one of its typically attention–grabbing headlines. The article’s basic premise was that, despite high levels of corporate debt, investors continue to […] 
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. In “Through the Roof: The High Cost of Barriers to Building New Housing in Canadian Municipalities” authors Benjamin Dachis and Vincent Thivierge calculate […]