Annual Risk Outlook

Learn what OSFI sees as the most significant risks facing Canada’s financial system in the upcoming year

New multimedia library

Watch our videos to learn more about OSFI and what we do

Unlocking your pension

Find out what you need to know to unlock your pension and access locked-in funds

Key safeguards



Domestic Stability Buffer
3.50% of total risk-weighted assets effective November 1, 2023


+2% or 5.25%

Minimum Qualifying Rate for uninsured mortgages
The greater of the mortgage contract rate plus 2% or 5.25%

Resources for financial institutions

Financial data

Data from the financial institutions and insurance companies that we supervise


Regulatory and supervisory expectations for financial institutions 

Reporting and returns

Reporting requirements for financial and corporate returns

Resources for private pension plans

Understanding your pension plan

Learn when and how you can unlock your pension plan, what pension plans we regulate, and more

Administering pension plans

Get guidance about administering federally regulated pension plans 

Our Superintendent

Peter Routledge

Peter Routledge

Peter Routledge was appointed Superintendent of Financial Institutions on June 29, 2021. He previously served as the President and Chief Executive Officer of Canada Deposit Insurance Corporation beginning in November 2018.

Major announcements

  • 2024-06-18 Domestic Stability Buffer rate setting announcement
  • 2024-08-22 Pilot – Quarterly release date
  • 2024-09-05 Industry day
  • 2024-10-10 OSFI Annual Risk Outlook – semi-annual update
  • 2024-11-21 Pilot – Quarterly release date
  • 2024-12-05 Industry day
  • 2024-12-17 Domestic Stability Buffer rate setting announcement
  • 2025-02-20 Pilot – Quarterly release date
  • 2025-03-06 Industry day