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Life Insurance Capital Adequacy Test (2025) – Chapter 4 Credit Risk – Off-Balance Sheet Activities
… any time without notice, which may include unused credit card lines, personal lines of credit, and overdraft …
Sources of Federal Government and Employee Information (Info Source)
… Accounts Receivable Personal Information Bank Acquisition Card Personal Information Bank Human Resources Management … To view summaries of OSFI's completed PIAs, please visit this page . For additional information about the … of the Superintendent of Financial Institutions, please visit our website . For information on how to submit a …
Capital Adequacy Requirements (CAR) (2026) – Chapter 6 – Securitization
… 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 … revolving asset trust structures such as those for credit card receivables, trade receivables, and other exposures …
Capital Adequacy Requirements (CAR) (2027) – Chapter 3 – Operational Risk
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 3 …
Liquidity Adequacy Requirements (LAR) (2027) Chapter 7 – Intraday Liquidity Monitoring Tools
… the version of this chapter currently in effect, please visit Liquidity Adequacy Requirements (LAR) (2026) Chapter 7 …
Capital Adequacy Requirements (CAR) (2026) – Chapter 5 – Credit Risk – Internal Ratings-Based Approach
… 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 …
Residential mortgage underwriting practices and procedures – Guideline (2017)
… unsecured personal loan, second mortgage loan, credit card). GDS and TDS ratios should be calculated conservatively …
Large Exposure Limits - Guideline (2028)
… the version of this guideline currently in effect, please visit Large Exposure Limits for Domestic Systemically …
Business in Canada – Referral arrangement
… XII of the Bank Act (BA). Background: The FB, a credit card issuer located outside Canada, proposed to offer its … advise its clients of the availability of the FB’s credit card product, and provide interested clients with brochures … the FB outside Canada to request the opening of a credit card account. The FI would receive a fee for each credit card …
Domestic Stability Buffer - Decision Summary Note - December 2023
… For more information on the DSB decision-making process, visit Domestic Stability Buffer Design Framework . Trends in … March 2020 to May 2020 Total household debt and credit card debt (6 month average of annualized quarterly growth) … Canada, OSFI calculations Total household debt and credit card debt (6 month average of annualized quarterly growth) - …
Capital Adequacy Requirements (CAR) (2027) – Chapter 2 – Definition of Capital
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 2 …
Terms and conditions
… servers automatically collect certain information about a visit to a website, including the visitor’s Internet Protocol … such as the page or pages visited, date and time of the visit. Unless otherwise noted, OSFI does not automatically … the Web server to reference during the same or subsequent visit to the website. Examples of digital markers are …
Non Mortgage Loans (A2)
… cards Include: all outstanding balances under a credit card plan (unsecured credit cards only). The sum of the … or government-guaranteed companies Auto Loan and Credit Card Origination Summary (Canada) by Credit Bureau Score A … at the time of booking. Exclude: Vehicle Leases 6. Credit Card balances Credit Score Distribution - Entire Portfolio …
Change Control Log (A2)
… Counterparty Exposures 13 Add: Auto Loan and Credit Card Origination Summary (Canada) by Credit Bureau Score 5. … Private passenger vehicles outstandings 14 Add: 6. Credit Card balances 7. Credit Card Rollover Rate (Avg Loans Accruing Int / Avg Total Loans …
Report on New and Existing Lending (A4)
… at the end of the month, with the exception of credit card lending which should be reported based on the closest … as the 'New Lending' section, with the addition of credit card loans. These values should be reported gross of … during the month should be included in the data. Credit card lending is not to be reported in the new lending section …