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OSFI’s view - Variable rate mortgages with fixed payments and extended amortizations
OSFI’s view - Variable rate mortgages with fixed payments and extended amortizations The Office of the Superintendent of Financial Institutions (OSFI) would like to address recent reports of mortgages with extended amortizations. (i.e., extending the …
OSFI Knowledge Centre
… promotes flexibility, resilience, and responsible risk management. Overall Risk Rating (ORR) system The ORR score …
OSFI lowers Domestic Stability Buffer to 3.0% so Canada's largest banks can deploy more capital
OSFI lowers Domestic Stability Buffer to 3.0% so Canada's largest banks can deploy more capital Today, the Office of the Superintendent of Financial Institutions (OSFI) announced that it is lowering the Domestic Stability Buffer (DSB) to 3.0% from 3.5% of …
ESTABLISHMENT OR TERMINATION OF A TRUST FOR VESTING ASSETS IN CANADA BY A FOREIGN COMPANY (including a foreign fraternal benefit society)
ESTABLISHMENT OR TERMINATION OF A TRUST FOR VESTING ASSETS IN CANADA BY A FOREIGN COMPANY (including a foreign fraternal benefit society) Applications should be sent to: Office of the Superintendent of Financial Institutions Securities Administration and …
Common concerns raised in the review of actuarial reports (May 2016)
Common concerns raised in the review of actuarial reports (May 2016) Past newsletter articles Actuarial and funding Defined benefit plans Actuarial reports submitted to OSFI may be referred by the plan's relationship manager to the actuarial team in the …
The Ledger – Issue 1 – January 2026
The Ledger – Issue 1 – January 2026 Data Collection Modernization Bulletin Welcome to the first issue of the Ledger Subscribe to the bulletin Subscribe to receive updates about the Data Collection Modernization initiative. Privacy notice In this edition …
Peter Routledge, Superintendent at the Office of the Superintendent of Financial Institutions (OSFI), gives OSFI Domestic Stability Buffer (DSB) Announcement
Peter Routledge, Superintendent at the Office of the Superintendent of Financial Institutions (OSFI), gives OSFI Domestic Stability Buffer (DSB) Announcement Check against delivery Good morning. Welcome to our June 2026 rate-setting announcement for the …
Actuarial Report on the Canada Student Financial Assistance Program as at 31 July 2024
Actuarial Report on the Canada Student Financial Assistance Program as at 31 July 2024 Canada Student Financial Assistance Program ISSN 2564-1026 29 August 2025 Jonathan Wallace Director General, Canada Student Financial Assistance Program Employment and …
Opening remarks by Assistant Superintendent, Ben Gully for MQR setting announcement December 2021
… risks contributes to conversations about the value of risk management for lenders and borrowers and, ultimately, public …
Follow-up responses from OSFI on questions posed by members on May 21, 2020
Follow-up responses from OSFI on questions posed by members on May 21, 2020 We have archived this page and will not be updating it. You can use it for research or reference. Document Properties Type of Publication: Letter Date: May 27, 2020 Hon. Wayne …
Peter Routledge, Superintendent, gives OSFI Domestic Stability Buffer Announcement – December 2025
Peter Routledge, Superintendent, gives OSFI Domestic Stability Buffer Announcement – December 2025 Check against delivery Welcome to our December 2025 rate-setting announcement for the Domestic Stability Buffer, or DSB. I am speaking to you from Ottawa on …
OSFI delays increase of Basel III output floor by one year
OSFI delays increase of Basel III output floor by one year Today, the Office of the Superintendent of Financial Institutions (OSFI) announced a one-year delay to the increase of the capital floor level (or “output floor”). Canada concluded its …
Framework overview
Framework overview Streamlined Approvals Framework for Targeted New Entrants Overview Screening criteria Application assessment Application process Applicant progress dashboard Application toolkit Overview The Office of the Superintendent of Financial …
Opening remarks by Superintendent Peter Routledge at the December 2023 level-setting announcement for the Domestic Stability Buffer
… our decision recognizes the prudent approach to capital management taken by the Boards of Directors of Canada’s …
Office of the Superintendent of Financial Institutions’ 2025–26 Departmental plan at a glance
… and security regime Supervisory renewal Culture Data management and analytics Critical functions Operational …