About the C.D. Howe Institute

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.

Opportunities for Better Systemic Risk Management in Canada
September 21, 2017 - Nicholas Le Pan
Ottawa and the provinces should bolster their ability to monitor and deal with systemic risks to the financial system, according to a report from the C.D. Howe Institute. In Opportunities for Better...
Not Ready for Prime Time: Canada’s Proposed New Securities Regulator
September 19, 2017 - Harvey Naglie
Canada’s proposed new securities regulator , due to be rolled out next year, is not ready for launch, according to a leading financial expert. In Not Ready for Prime Time: Canada’s Proposed New...
Bits, Bytes, and Taxes: VAT and the Digital Economy in Canada
August 23, 2017 - Rosalie Wyonch
Foreign providers of online services enjoy a tax advantage over domestic providers, according to a new report from the C.D. Howe Institute. In Bits, Bytes, and Taxes: VAT and the Digital Economy in...
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...
Is Canada prepared for the next big financial crisis?: Globe and Mail Op-Ed
Op-Ed
Canada has unfinished business when it comes to preparing for the next big financial crisis. Certainly, our financial system held up comparatively well in the 2008 crisis, and lots has been done, but...
Nicholas Le Pan - Getting Canada Ready for Its Systemic Risk Audit
Intelligence Memos
To:  All Canadian financial regulators From:  Nicholas Le Pan Date: September 21, 2017 Re: Getting Canada Ready for Its Systemic Risk Audit When the IMF last reviewed Canada’s financial system in...
Mortgage insurance deductibles: an idea whose time hasn’t come: Globe and Mail Op-ed
Op-Ed
The rise in house prices – especially in Toronto and Vancouver – has coincided with a build-up of risks in the mortgage market and homeowners taking on too much debt relative to their income. In...
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,...
18 Dec 2017
Dec
18
  • Leaders and Laggards: The 2017 Score card on Cities’ Financial Reporting
Roundtable Luncheon with Guillaume Lavoie and William Robson
Monday, December 18, 2017, 12:00 pm to 1:30 pm
06 Nov 2017
Nov
06
  • Currency Without Cash
Roundtable Luncheon with Scott Hendry, Brian Lang and Thorsten Koeppl
Toronto, 67 Yonge Street, Suite 300
Monday, November 6, 2017, 12:00 pm to 1:30 pm
Sponsored by:
OFX
02 Nov 2017
Nov
02
  • Portfolio Construction in Canadian Pension Plans
Roundtable Luncheon with David Long, Geoffrey Rubin and Mike Wissell
Toronto, 67 Yonge Street, Suite 300
Thursday, November 2, 2017, 12:00 pm to 1:30 pm
Sponsored by:
J.P. Morgan

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

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