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OSFI-597 – AFS, Auditor’s Report, Other Shareholder’s Material
… Companies Act , or section 296 of the Cooperative Credit Associations Act . Applicability This return only … Canadian Life and Property & Casualty Insurance Companies, Credit Union Centrals, Trust and Loan Companies, Co-operative …
Incorrect jurisdiction of record for locked-in funds
… institutions that a federal member’s pension benefit credit must be transferred in accordance with the Pension … jurisdiction wishes to transfer their pension benefit credit from a pension plan, that plan member must submit a …
OSFI-FCAC Risk Report - AI Uses and Risks at Federally Regulated Financial Institutions
… claims management, trading, investment decisions, and credit adjudication. The use of AI may amplify risks around … affecting labour markets and industries, could increase credit risk. All financial institutions, even those not … including algorithmic trading, liquidity management, credit risk activities, and compliance monitoring. Many …
Void Amendments
… report for the amendment was filed with OSFI. A letter of credit may be obtained to fund any lump sum payment, referred … above, as long as the total face value of all letters of credit does not exceed 15% of the solvency liabilities of the …
Deposit Liabilities (K4)
… II of the Bank Act (see SIC, Division K, Class 7021) and credit unions and caisses populaires, trust companies and … and Housing Corporation, Export Development Canada, Farm Credit Canada, Business Development Bank of Canada and ATB … and Housing Corporation, Export Development Canada, Farm Credit Canada, Business Development Bank of Canada and ATB …
50% rule and benefit increases
… contributions in excess of 50% of the pension benefit credit). The additional benefit resulting from the … on which any subsequent calculation of a pension benefit credit is based. Paragraph 26(3)(b) of the PBSA allows a plan …
Panel remarks by Assistant Superintendent Ben Gully at the C.D. Howe Institute via webcast, January 28, 2021
… risks may become prudential priorities.Traditional credit, market, and operational risks are mixing with … we need to identify the various financial risks, such as credit risk, market risk, and liquidity risk relevant to the … valuation impacts or changes in corporate and household credit risks on banking loan portfolios. Further we need the …
Peter Routledge at House of Commons Standing Committee on Finance, Opening Remarks
… real estate secured lending and mortgage risks, wholesale credit risks, funding and liquidity risks, and integrity and … Having said that, I note that mortgage and household credit quality remains high by historic standards. Committee …
OSFI issues final guideline for Pillar 3 Disclosure Requirements
… Basel 2.5 enhancements and revisions) in the areas of credit risk, counterparty credit risk and securitization activities. The revised …
Capital Adequacy Requirements (CAR) Guideline
… The guideline addresses three main categories of risk: Credit Risk: The possibility that borrowers won’t repay their … losses without failing. This protects deposits, keeps credit flowing to households and businesses, and sustains …
Draft guidance
… regime 2026-10-31 Consultation: Consultative document on Credit Risk Management 2026-07-29 Consultation: Draft Capital …
Mortgage Insurance Return – Section V – Jurisdictional Requirements
… Superintendent of Insurance Trust and Loan Companies, Credit Unions and Pensions Department of Finance P.O. Box … Directors 10.17 Annual Corporate Information Letters of credit Letters of credits may be used to reduce capital … in Quebec. General requirements concerning letters of credit are set out below: Letters of credit must be in …
OSFI determines capital treatment of federal program supporting highly affected sectors
… of Canada's recently announced Highly Affected Sectors Credit Availability Program (HASCAP) . The Government … for exposures acquired through Highly Affected Sectors Credit Availability Program (HASCAP) OSFI's March 30, 2020 …
Fireside chat with Peter Routledge at the 2024 TD Securities annual financial services conference
… and stable lending conditions and lower the risk of a credit crunch. For example, during the pandemic, the DSB was … update . High household indebtedness is still relevant to credit risk, the safety and soundness of FRFIs, and the … for indications of increased borrower defaults, fraud, and credit losses, especially in residential real estate secured …
Financial highlights for the period ended June 30, 2025
… supervises and regulates all banks in Canada and federal credit unions in Canada and all federally incorporated or … taking in response (Integrity and security risk, Wholesale credit risk, Funding and liquidity risks, and Real estate … could cause stress in the mortgage insurance industry. Credit risks and market volatility could impact investment …