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 […]
From: Glen HodgsonTo: Economy Watchers Date: June 23, 2025Re: An Indigenous Development Bank Would Speed Reconciliation and Major Projects The Carney government has committed to accelerating and strengthening investment across the economy and greater investment in energy and other natural resource development is central to this commitment. The recent Speech from the Throne indicated the […]
From: Harvey NaglieTo: Financial regulation observers Date: June 5, 2025Re: The Ontario Budget’s Missed Opportunities for Capital Market Modernization The 2025 Ontario budget landed at a pivotal moment for the province’s economy, marked by heightened US trade risks and economic uncertainty. The stated focus was on protecting jobs, supporting businesses, and investing in critical public […]
June 4, 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 June. The domestic stability buffer is the capital Canada’s major banks […]
“Not Normal Times”: Council Recommends Holding Buffer at 3.5 Percent Amid Rising Economic Uncertainty Fourth Meeting of the C.D. Howe Institute Domestic Stability Buffer Council At its meeting on May 20, 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 […]
May 29, 2025 – The C.D. Howe Institute’s Monetary Policy Council (MPC) calls for the Bank of Canada to lower its target for the overnight rate, its benchmark policy interest rate, from 2.75 percent to 2.50 percent at its next announcement on June 4th. The MPC further calls for the Bank to leave the target at 2.50 […]
The Study in Brief Large-scale public and private infrastructure investments are required to meet a wide range of infrastructure needs in Canada and elsewhere, and this is especially true for energy and digital transition projects. However, private developers frequently find themselves in an investment catch-22: they need private capital to launch, mature, and grow new […]
L’étude en bref Il faudra d’importants investissements publics et privés dans les infrastructures pour répondre à un éventail de besoins au Canada et ailleurs dans le monde, et particulièrement pour soutenir les projets de transition énergétique et numérique. Cependant, les promoteurs privés se retrouvent souvent coincés dans une impasse : ils ont besoin de capitaux […]
To: Financial regulation observersFrom: Jordan BrennanDate: May 14, 2025Re: More Regulation, Higher Costs. We Can Fix This In geopolitics, the strong are rarely threatened, much less attacked. Canada finds itself a target from our neighbour to the south because we are economically weak. The good news is that our weakness is largely self-inflicted and is reversible. […]
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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 […] 
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 […] 
From: Glen HodgsonTo: Economy Watchers Date: June 23, 2025Re: An Indigenous Development Bank Would Speed Reconciliation and Major Projects The Carney government has committed to accelerating and strengthening investment across the economy and greater investment in energy and other natural resource development is central to this commitment. The recent Speech from the Throne indicated the […] 
From: Harvey NaglieTo: Financial regulation observers Date: June 5, 2025Re: The Ontario Budget’s Missed Opportunities for Capital Market Modernization The 2025 Ontario budget landed at a pivotal moment for the province’s economy, marked by heightened US trade risks and economic uncertainty. The stated focus was on protecting jobs, supporting businesses, and investing in critical public […] 
“Not Normal Times”: Council Recommends Holding Buffer at 3.5 Percent Amid Rising Economic Uncertainty Fourth Meeting of the C.D. Howe Institute Domestic Stability Buffer Council At its meeting on May 20, 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 […] 
May 29, 2025 – The C.D. Howe Institute’s Monetary Policy Council (MPC) calls for the Bank of Canada to lower its target for the overnight rate, its benchmark policy interest rate, from 2.75 percent to 2.50 percent at its next announcement on June 4th. The MPC further calls for the Bank to leave the target at 2.50 […] 
The Study in Brief Large-scale public and private infrastructure investments are required to meet a wide range of infrastructure needs in Canada and elsewhere, and this is especially true for energy and digital transition projects. However, private developers frequently find themselves in an investment catch-22: they need private capital to launch, mature, and grow new […]