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 […]
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 […]
24 juillet 2025 – Selon un nouveau rapport de l’Institut C.D. Howe, les entreprises canadiennes qui s’efforcent activement de surmonter les obstacles à l’innovation, tels que les contraintes financières ou le manque de compétences, sont beaucoup plus susceptibles d’innover que celles qui n’agissent pas. Dans « Unleashing Innovation: Barriers, Government Support Programs, and What Works Best », […]
From: Gherardo Gennaro CaraccioloTo: Auto insurance watchersDate: July 22, 2025Re: Auto Insurance Over-Regulation is Punishing Drivers Car insurance is unavoidable. If you want to drive, you have to buy it. Because it’s mandatory, some people argue we need regulation to avoid unjustified sudden price hikes. That may sound reasonable. Unfortunately, it is not that simple. […]
From: Jeremy M. KronickTo: Department of FinanceDate: July 14, 2025Re: Interest Rate Caps Should be a Policy of Last Resort Earlier this year, Ottawa reduced the highest interest rate lenders can legally charge from 48 percent to 35 percent. To most of us, both rates seem extortionately high, but they are part of many Canadians’ […]
July 8, 2025 – Most Canadians fear they will run out of money in retirement, and this fear is made worse by the shift to defined-contribution savings and by having accounts often scattered across multiple institutions. A national pension dashboard would greatly improve Canadians’ ability to plan for retirement, according to a new report from the C.D. […]
Roadmap for Retirement: The Case for a National Pension Dashboard by Kathryn Bush Retirement planning is getting harder for Canadians as more savings shift to defined-contribution plans, and account information is scattered across institutions. Given current financial literacy levels in Canada, many people struggle to understand what they’ll have to live on in retirement. A […]
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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 […] 
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. 
From: Gherardo Gennaro CaraccioloTo: Auto insurance watchersDate: July 22, 2025Re: Auto Insurance Over-Regulation is Punishing Drivers Car insurance is unavoidable. If you want to drive, you have to buy it. Because it’s mandatory, some people argue we need regulation to avoid unjustified sudden price hikes. That may sound reasonable. Unfortunately, it is not that simple. […] 
From: Jeremy M. KronickTo: Department of FinanceDate: July 14, 2025Re: Interest Rate Caps Should be a Policy of Last Resort Earlier this year, Ottawa reduced the highest interest rate lenders can legally charge from 48 percent to 35 percent. To most of us, both rates seem extortionately high, but they are part of many Canadians’ […] 
July 8, 2025 – Most Canadians fear they will run out of money in retirement, and this fear is made worse by the shift to defined-contribution savings and by having accounts often scattered across multiple institutions. A national pension dashboard would greatly improve Canadians’ ability to plan for retirement, according to a new report from the C.D. […]