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OSFI’s response to Guideline B-20 initial consultation feedback on debt serviceability measures
OSFI’s response to Guideline B-20 initial consultation feedback on debt serviceability measures Today, the Office of the Superintendent of Financial Institutions (OSFI) published the results and next steps of its initial public consultation on Guideline …
Asset Securitization by Foreign Bank Branches
… groups of assets, such as mortgages, trade or credit card receivables, automobile leases, and consumer loans, and …
Substantial Investments - Appendix A.6
… Footnote 2 promoting merchandise or services to card holders; selling lottery or urban transit tickets; or …
Substantial Investments - Appendix A.5
… Footnote 2 promoting merchandise or services to card holders; selling lottery or urban transit tickets; …
Capital Adequacy Requirements (CAR) (2026) – Chapter 4 – Credit Risk – Standardized Approach
… A 25% CCF will be applied to undrawn balances of credit card and charge card exposures even if they meet the criteria in paragraph …
Substantial Investments - Appendix A.1
… Footnote 2 promoting merchandise or services to card holders; selling lottery or urban transit tickets; …
Substantial Investments - Appendix A.2
… Footnote 2 promoting merchandise or services to card holders; selling lottery or urban transit tickets; or …
OSFI technology and cyber incident report – Detailed instructions
… sensitive information, such as passwords or credit card numbers, by impersonating a trustworthy entity. …
Liquidity Adequacy Requirements (LAR) (2027) Chapter 1 – Overview
… the version of this chapter currently in effect, please visit Liquidity Adequacy Requirements (LAR) (2026) Chapter 1 …
Liquidity Adequacy Requirements (LAR) (2026) Chapter 4 – Net Cumulative Cash Flow
Liquidity Adequacy Requirements (LAR) (2026) Chapter 4 – Net Cumulative Cash Flow Consultation status: Open A draft version of this chapter is available for consultation. Please provide your feedback by July 20, 2026 to Consultations@osfi-bsif.gc.ca . …
Liquidity Adequacy Requirements (LAR) (2027) Chapter 6 – Liquidity Monitoring Tools
… the version of this chapter currently in effect, please visit Liquidity Adequacy Requirements (LAR) (2026) Chapter 6 …
Leverage Requirements - Guideline (2023)
… [Basel Framework, LEV 30.52] Undrawn balances of credit card and charge card exposures will receive a CCF of 25%. Where there is an …
Capital Adequacy Requirements (CAR) (2027) – Chapter 6 – Securitization
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 6 … credit facilities include but are not limited to credit card exposures, home equity lines of credit, commercial lines … to investors. For the purposes of this criterion, credit card facilities should be deemed to result in a periodic and …
Capital Adequacy Requirements (CAR) (2027) – Chapter 5 – Credit Risk – Internal Ratings-Based Approach
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 5 … to an obligor in relation to a facility such as a credit card or charge card with an interest free grace period, where the total …
Validating Risk Rating Systems at IRB Institutions
… Securitisations may provide information about credit card experience. Performance metrics from The Bank of Canada, …