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Superintendent Peter Routledge participates in RBC Canadian Bank CEO Conference
… Moderator: Mortgages in Canada – we were preparing for payment shock, but it seems so far, so good and mortgage … For more information on the DSB design framework , please visit our website. Moderator: There seems to be a lot of … Can you please discuss how OSFI monitors this risk and the latest developments on this front? Superintendent Peter …
Infosheet - Residential Mortgage Underwriting Practices and Procedures Guideline (B-20)
… issued in Canada, and residential mortgage loans account for almost 30 percent of the total assets held by these … Due to the recent and further expected rate increases, for the first time in years, consumers renewing their … costs associated with maintaining the properties and selling them. As such, any price corrections can quickly have …
Mortgage Insurance Return – Section IV – Detailed Instructions
… in clarifying filing requirements; they are not provided for every page or field in the MI Financial Quarterly and … in columns 07 and 09 reflect the original amounts, not the latest values at renewal. The amount in column 08 reflects … including, but not limited to, precious metals, coins and art and other recognized financial investments not …
Life Insurance Capital Adequacy Test (2025) – Chapter 2 Available Capital
… included in Available Capital, establishes criteria for assessing capital instruments, and sets capital composition limits. The primary considerations for assessing the capital elements of an insurer include: … or after the fifth anniversary of the closing date of the latest re-opened tranche of securities. Defeasance options …
Technology and Cyber Risk Management
… to their business in Canada. Footnote 1 Expectations for branches are set out in Guideline E-4 on Foreign Entities … and cyber risks. There is no one-size-fits-all approach for managing technology and cyber risks given the unique … anomalies, and emerging external and internal threats. The latest threat intelligence and indicators of compromise …
Terms and conditions
… Privacy Notice summarizes the privacy policy and practices for OSFI online activities. All personal information … 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 …
Asset Securitization - Guideline (2018)
… Adequacy Test (MICAT), and specifies the capital treatment for securitization exposures in addition to those arising … curitizations as a third party. It applies to all insurers For purposes of this guideline, "insurers" refers to all … credit quality is improved unless this is achieved by selling assets to independent and unaffiliated third parties …
Residential Mortgage Insurance Underwriting Practices and Procedures – Guideline (2019)
… of Financial Institutions’ (OSFI’s) expectations for prudent residential mortgage insurance underwriting and … Companies Act applies and that provide mortgage insurance for residential mortgage loans in Canada, and/or reinsurance for such insured loans Footnote 1 Footnote 2 . This Guideline …
Derivatives Sound Practices – Guideline (2014)
… of Financial Institutions' (OSFI's) expectations for FRFIs with respect to derivatives activities. It applies … the risks in financial instruments and commodities for the purpose of trading, hedging, arbitrage , and … market intermediary who acts as a principal by buying or selling from its own account. Dealers may also act as market …
Business in Canada – Credit card activities
… directly or through a nominee or agent, business in Canada for the purposes of Part XII of the Bank Act (BA). … from the CI and the reception and processing of requests for Cards, would be performed outside Canada by the FB. … support visits would merely be more efficient ways for the FB to fulfill obligations that it undertook from …
Large Exposure Limits for Domestic Systemically Important Banks – Guideline (2019)
… Large Exposure Limits for Domestic Systemically Important Banks – Guideline (2019) … the Guideline This guideline sets out OSFI's expectations for the effective measurement and control of risks associated … set out in this section, including gathering the latest information related to structured vehicles. The …
OSFI's role in housing finance
… of the Superintendent of Financial Institutions, or OSFI for short, is responsible for regulating and supervising … [Visual: OSFI logo] Narrator: For more information, visit OSFI's website. [Text on screen: For more information, visit: www.osfi-bsif.gc.ca] [Visual: Government of Canada …
2020-21 Pension Plans Survey (PPS)
… survey with pension plan administrators and professionals for their perceptions of OSFI’s performance. The results of … Private Pension Plans Division (PPPD) to identify areas for improvement. Key Findings The following are key findings … rated the information as useful. The top reason reported for visiting the site was to obtain information related to …
Property and casualty insurance return – Section IV – Detailed Instructions
… in clarifying filing requirements; they are not provided for every page or field in the P&C Quarterly and Annual … in columns 07 and 09 reflect the original amounts, not the latest values at renewal. The amount in column 08 reflects … including, but not limited to, precious metals, coins and art and other recognized financial investments not …
Capital Adequacy Requirements (CAR) (2027) – Chapter 1 – Overview of Risk-based Capital Requirements
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 1 – Overview of Risk-based Capital Requirements . Note For institutions with a fiscal year ending October 31 or … company maintains adequate capital pursuant to the Acts. For this purpose, the Superintendent has established two …