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The C.D. Howe Institute is an independent not-for-profit research institute whose mission is to raise living standards by fostering economically sound public policies. Widely considered to be Canada's most influential think tank, the Institute is a trusted source of essential policy intelligence, distinguished by research that is nonpartisan, evidence-based and subject to definitive expert review.

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Financial Services and Regulation

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This area covers policies and regulations, such as prudential or consumer regulations, as well as technology and other competitive pressures affecting the financial services industry, financial markets and the financial system as a whole, and their ability to effectively perform their core economic functions.

Mortgage Insurance Deductibles: An Idea Whose Time Hasn't Come
July 19, 2017 - Thorsten V. Koeppl and James MacGee
Ottawa should reject a “blunt” option it is considering to address the build-up of risky mortgages in the housing sector, according to the latest C.D. Howe report. In Mortgage Insurance Deductibles:...
Spendthrifts and Savers: Are Canadians Acting Like they are “House Poor” or “House Rich”?
June 6, 2017 - Jeremy Kronick
House rich, big-spending Canadians are taking a gamble on the risk of an economic shock in Canada, according to a new report from the C.D. Howe Institute. In Spendthrifts and Savers: Are Canadians...
Blockchain Technology – What’s in Store for Canada’s Economy and Financial Markets?
February 2, 2017 - Thorsten V. Koeppl and Jeremy Kronick
Canadian regulators need to start preparing now for the rapidly approaching blockchain revolution, according to a new report from the C.D. Howe Institute. In “Blockchain Technology – What’s in Store...
Playing from Strength: Canada’s Trade Deal Priorities for Financial Services
November 29, 2016 - Daniel Schwanen, Jeremy Kronick and Ramya Muthukumaran
Despite trade deals facing opposition, Canada still has key opportunities to expand its global presence, according to a new report from the C.D. Howe Institute. In “Playing from Strength: Canada’s...
Takeover Rules: In Support of the Longer Minimum Bid Period
November 10, 2016 - Sharon Geraghty
Securities regulators made the right move this year when they extended the minimum bid period for takeover bids in Canada, says a new C.D. Howe Institute report. In “Takeover Rules: In Support of the...
Swimming with Whales: How to Encourage Competition from Small Banks
October 4, 2016 - John Jason
Ottawa should consider new regulatory approaches to bolster the role of smaller financial institutions if it is to achieve its goals of enhancing quality, price and innovation in that sector,...
Thorsten Koeppl - What the “Terminator” Tells Us about Blockchain and your Privacy
Intelligence Memos
From: Thorsten Koeppl To: Office of the Privacy Commissioner of Canada Date: May 18, 2017 Re: What the “Terminator” Tells Us about Blockchain and your Privacy The Blockchain revolution is here.  And...
Don Forgeron - The Plain Truth about Flood Risk
Intelligence Memos
From: Don Forgeron To: Federal and Provincial Ministers of Public Safety and Infrastructure Date: May 12, 2017 Re: The Plain Truth about Flood Risk Boats full of possessions floating down streets....
Jeremy M. Kronick - The Importance of Changes to Financial Advice
Intelligence Memos
From: Jeremy M. Kronick To: Financial Advice Community Date: March 22, 2017 Re: The Importance of Changes to Financial Advice Disruption is coming to the financial services and advice sector. ...
Les lignes de faille : Tremblements de terre, assurance, et risque financier systémique
Research
Les lignes de faille d’un tremblement de terre majeur au Canada pourraient se propager rapidement dans l’ensemble de l’industrie des assurances et avoir des répercussions financières systémiques,...
Op-Ed
Publié dans La Presse le 30 Juillet, 2012. Par Stéphane Rousseau Depuis la crise financière, les régulateurs déploient des efforts pour encadrer les agences de notation de crédit. Malheureusement,...
12 Oct 2017
Oct
12
  • Video Conference with Dominic Barton, Global Managing Partner, McKinsey & Company
Video Conference
Toronto, 67 Yonge Street, Suite 300
Thursday, October 12, 2017,
2:00 pm to 3:30 pm
05 Oct 2017
Oct
05
  • High Stakes: Legalizing Cannabis in Canada
Roundtable Luncheon with The Hon. Anne McLellan, John Fowler and Russell Stanley
Toronto, 67 Yonge Street, Suite 300
Thursday, October 5, 2017,
12:00 pm to 1:30 pm
26 Sep 2017
Sep
26
  • Améliorer le RRQ? Les prochaines étapes pour le régime/Enhancing the QPP? Next Steps for the Plan
Dîner-conférence/Roundtable Luncheon - Rene Beaudry, Serge Charbonneau, Bernard Morency et/and Michel St-Germain
Montréal, 1145 Union Avenue
Tuesday, September 26, 2017,
12:00 pm to 1:30 pm

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© 2014 C.D. Howe Institute. All Rights Reserved.

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© 2014 C.D. Howe Institute. All Rights Reserved.