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 […]
Published in The Globe and Mail After climbing down on the digital services tax, Canada is back at the table with the U.S. to negotiate the two countries’ trade relationship. Unfortunately, Canadian negotiators have a fresh problem to deal with: the recent passage of a bill through Parliament that protects supply management. The narrative of Canada […]
Published in Financial Post Earlier this year, Ottawa reduced the highest interest rate lenders can legally charge from 48 down to 35 per cent. To most of us, both rates seem incredibly high, but they are part of many Canadians’ reality. Unfortunately, lowering the cap might make that reality worse. Last year I argued in these […]
June 26, 2025 – Canadian auto insurance rate regulations, intended to protect consumers, are reducing necessary insurer agility – risking long-term competitiveness in the market, according to a new report from the C.D. Howe Institute. In “The Price of Over-Regulation: Assessing the Impact of Rate Controls on Auto Insurance Market Flexibility in Canada,” Gherardo Caracciolo finds […]
The Price of Over-Regulation: Assessing the Impact of Rate Controls on Auto Insurance Market Flexibility in Canada • Automobile insurance regulation must walk a fine line: ensure actuarially accurate pricing while also ensuring that insurers are not overburdened with unnecessary barriers that could prevent them from setting appropriate prices given market conditions. • By examining […]
Membership Application
Interested in becoming a Member of the C.D. Howe Institute? Please fill out the application form below and our team will be in touch with next steps. Note that Membership is subject to approval.
"*" indicates required fields
Member Login
Not a Member yet? Visit our Membership page to learn more and apply.
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. 
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. […] 
Published in The Globe and Mail After climbing down on the digital services tax, Canada is back at the table with the U.S. to negotiate the two countries’ trade relationship. Unfortunately, Canadian negotiators have a fresh problem to deal with: the recent passage of a bill through Parliament that protects supply management. The narrative of Canada […] 
The Price of Over-Regulation: Assessing the Impact of Rate Controls on Auto Insurance Market Flexibility in Canada • Automobile insurance regulation must walk a fine line: ensure actuarially accurate pricing while also ensuring that insurers are not overburdened with unnecessary barriers that could prevent them from setting appropriate prices given market conditions. • By examining […]