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. […]
Published in Financial Post By Gherardo Caracciolo 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 ensure consumers don’t face unjustified sudden price hikes. That may sound reasonable. Unfortunately, it is not that simple. In a recent C.D. Howe Institute paper, […]
From: Heather ScoffieldTo: Federal regulators and Treasury Board President Shafqat AliDate: July 11, 2025Re: A smarter, leaner regulatory regime is essential for Canada’s ability to thrive Canada’s regulatory burden has become the stuff of legend, deterring investment and slowing growth because of rules that overlap, are too vague or too convoluted to follow properly, take […]
From: Colin Busby, William B.P. Robson, and Daniel SchwanenTo: Canadian trade watchersDate: July 9, 2025Re: Playing With Trade Talk Fire on Supply Management After climbing down on the digital services tax, Canada is back at the table with the United States to negotiate the two countries’ trade relationship. Unfortunately, Canadian negotiators have a fresh problem to […]
From: Internal trade watchersTo: Daniel Schwanen Date: July 7, 2025Re: Provinces Need to Play if Internal Trade Barriers are to Fall Donald Trump’s tariff threats have focused much needed attention on making trade within Canada easier. Prime Minister Mark Carney made a promise soon after the election: To have free trade by Canada Day. To that end, the federal […]
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 […]
From: Michael WernickTo: Defence spending watchers Date: July 3, 2025Re: How About a Dedicated National Security Tax for Canada? Over the past year, a chorus has risen calling for an increase in defence spending. Canada has been pressed to show it is putting enough effort into protecting and policing its own land, sea and air borders while also […]
From: Barry PrenticeTo: Trade ObserversDate: July 2, 2025Re: Let’s Let More US Airlines Into Small Canadian Centres The Competition Bureau’s new report on the airline industry gets things mostly right. Perfection in transportation policy is an elusive beast. Consumers want lower fares, more options and better-quality service. As the old joke says, you are welcome to choose […]
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: Lawrence HermanTo: Trade ObserversDate: June 24, 2025Re: Shooting Ourselves in the Trade Foot. Again. It never ends. On June 5, Bloc leader Yves-François Blanchet tabled Bill C-202, a private member’s bill that’s yet another regrettable effort to enshrine Canada’s Soviet-style supply management system in the statute books. The bill would prohibit any increase in imports of […]
Clearing the Air: The Taxation and Regulation of Reduced-Harm Nicotine Products • Taxes on combustible cigarettes in Canada account for almost 70 percent of their final price. Under the most recent excise tax impositions, some low-risk products carry a combined excise and sales tax imposition that also forms a high percentage of the price paid […]
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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. […] 
Published in Financial Post By Gherardo Caracciolo 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 ensure consumers don’t face unjustified sudden price hikes. That may sound reasonable. Unfortunately, it is not that simple. In a recent C.D. Howe Institute paper, […] 
From: Heather ScoffieldTo: Federal regulators and Treasury Board President Shafqat AliDate: July 11, 2025Re: A smarter, leaner regulatory regime is essential for Canada’s ability to thrive Canada’s regulatory burden has become the stuff of legend, deterring investment and slowing growth because of rules that overlap, are too vague or too convoluted to follow properly, take […] 
From: Colin Busby, William B.P. Robson, and Daniel SchwanenTo: Canadian trade watchersDate: July 9, 2025Re: Playing With Trade Talk Fire on Supply Management After climbing down on the digital services tax, Canada is back at the table with the United States to negotiate the two countries’ trade relationship. Unfortunately, Canadian negotiators have a fresh problem to […] 
From: Internal trade watchersTo: Daniel Schwanen Date: July 7, 2025Re: Provinces Need to Play if Internal Trade Barriers are to Fall Donald Trump’s tariff threats have focused much needed attention on making trade within Canada easier. Prime Minister Mark Carney made a promise soon after the election: To have free trade by Canada Day. To that end, the federal […] 
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 […] 
From: Michael WernickTo: Defence spending watchers Date: July 3, 2025Re: How About a Dedicated National Security Tax for Canada? Over the past year, a chorus has risen calling for an increase in defence spending. Canada has been pressed to show it is putting enough effort into protecting and policing its own land, sea and air borders while also […] 
From: Barry PrenticeTo: Trade ObserversDate: July 2, 2025Re: Let’s Let More US Airlines Into Small Canadian Centres The Competition Bureau’s new report on the airline industry gets things mostly right. Perfection in transportation policy is an elusive beast. Consumers want lower fares, more options and better-quality service. As the old joke says, you are welcome to choose […] 
From: Lawrence HermanTo: Trade ObserversDate: June 24, 2025Re: Shooting Ourselves in the Trade Foot. Again. It never ends. On June 5, Bloc leader Yves-François Blanchet tabled Bill C-202, a private member’s bill that’s yet another regrettable effort to enshrine Canada’s Soviet-style supply management system in the statute books. The bill would prohibit any increase in imports of […] 
Clearing the Air: The Taxation and Regulation of Reduced-Harm Nicotine Products • Taxes on combustible cigarettes in Canada account for almost 70 percent of their final price. Under the most recent excise tax impositions, some low-risk products carry a combined excise and sales tax imposition that also forms a high percentage of the price paid […]