Guidance library
As the regulator for federally regulated financial institutions and private pension plans, we set expectations for operating within the Canadian financial industry. You can find our current guidance in the following list. We also have a list of rescinded guidance.
For guidance on private pension plans, please see Administering pension plans.
How to use this list
You can search by using one or more of the filters. The more filters you use, the narrower your search.
The “keywords” filter will search page titles and content. For example, you can search by the guideline number (such as B-10).
Alternatively, learn how our guidance relates to our mandate.
| Date | Title | Sector | Publication type | Category |
|---|---|---|---|---|
| Regulatory notice on using natural catastrophe bonds in the Minimum Capital Test guideline |
|
Regulatory notice | Capital Adequacy Requirements | |
| OSFI lowers the level of the Domestic Stability Buffer to 3.0%, range to 0-3% |
|
Letter | Capital Adequacy Requirements | |
| Update on Capital Requirements for Federally Regulated Property and Casualty Insurers – Letter |
|
Letter | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.5% - Letter (December 2025) |
|
Letter | Capital Adequacy Requirements | |
| Minimum Capital Test – Guideline (2026) |
|
Guideline | Capital Adequacy Requirements | |
| Minimum Capital Test (2026) - Letter |
|
Letter | Capital Adequacy Requirements | |
| Draft Capital Adequacy Requirements Guideline (2027) - letter |
|
Letter | Capital Adequacy Requirements | |
| Letter to industry – Changes to treatment of crypto-assets exposures |
|
Letter | Capital Adequacy Requirements | |
| Frequently asked questions - Crypto assets |
|
Frequently asked questions | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) – Guideline (2026) |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 1 – Overview of Risk-based Capital Requirements |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 2 – Definition of Capital |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 3 – Operational Risk |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 4 – Credit Risk – Standardized Approach |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 5 – Credit Risk – Internal Ratings-Based Approach |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 6 – Securitization |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 7 – Settlement and Counterparty Risk |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 8 – Credit Valuation Adjustment (CVA) Risk |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements (CAR) (2026) – Chapter 9 – Market Risk |
|
Guideline | Capital Adequacy Requirements | |
| Capital Adequacy Requirements Guideline (2026) – Letter |
|
Letter | Capital Adequacy Requirements | |
| OSFI Update on Capital Requirement for Federally Regulated Life Insurers – Letter |
|
Letter | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% – Letter (June 2025) |
|
Letter | Capital Adequacy Requirements | |
| Public consultation on the draft Minimum Capital Test (MCT) 2026 |
|
Letter | Capital Adequacy Requirements | |
| Regulatory Notice on Adjustments to the Life Insurance Capital Adequacy Test Guideline (2025) |
|
Regulatory notice | Capital Adequacy Requirements | |
| Regulatory Notice on Adjustments to the Life Insurance Capital Adequacy Test Guideline (2025) – Letter |
|
Letter | Capital Adequacy Requirements | |
| Capital Treatment of Crypto-asset Exposures (Insurance) – Guideline |
|
Guideline | Capital Adequacy Requirements | |
| Draft Capital Adequacy Requirements Guideline (2026) – Letter |
|
Letter | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test – Guideline (2025) |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 1 Overview and General Requirements |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 2 Available Capital |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 3 Credit Risk – On-Balance Sheet Items |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 4 Credit Risk – Off-Balance Sheet Activities |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 5 Market Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 6 Insurance Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 7 Segregated Fund Guarantee Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 8 Operational Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 9 Participating and Adjustable Products |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 10 Credit for Reinsurance |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 11 Aggregation and Diversification of Risks |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 12 Life Insurers Operating in Canada on a Branch Basis |
|
Guideline | Capital Adequacy Requirements | |
| Mortgage Insurer Capital Adequacy Test - Guideline (2025) |
|
Guideline | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (December 2024) |
|
Letter | Capital Adequacy Requirements | |
| Parental Stand-Alone (Solo) Capital Framework for Federally Regulated Life Insurers (2025) |
|
Guideline | Capital Adequacy Requirements | |
| Mortgage Insurer Capital Adequacy Test (MICAT) 2025 - Letter |
|
Letter | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (LICAT) 2025 – Letter |
|
Letter | Capital Adequacy Requirements | |
| Modification to the Capital Floor Transition schedule in Chapter 1 of the Capital Adequacy Requirements (CAR) guideline |
|
Regulatory notice | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (2024) |
|
Letter | Capital Adequacy Requirements | |
| Minimum Capital Test - Guideline (2024) |
|
Guideline | Capital Adequacy Requirements | |
| Minimum Capital Test 2024 – Adjustments and clarifications |
|
Adjustments and clarifications | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (2023) | Letter | Capital Adequacy Requirements |