Guidance library
As the regulator for federally regulated financial institutions and private pension plans, we set expectations for operating within the Canadian financial industry. You can find our current guidance in the following list. We also have a list of rescinded guidance.
For guidance on private pension plans, please see Administering pension plans.
How to use this list
You can search by using one or more of the filters. The more filters you use, the narrower your search.
The “keywords” filter will search page titles and content. For example, you can search by the guideline number (such as B-10).
Alternatively, learn how our guidance relates to our mandate.
| Date | Title | Sector | Publication type | Category |
|---|---|---|---|---|
| Life Insurance Capital Adequacy Test (2025) – Chapter 7 Segregated Fund Guarantee Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 8 Operational Risk |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 9 Participating and Adjustable Products |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 10 Credit for Reinsurance |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 11 Aggregation and Diversification of Risks |
|
Guideline | Capital Adequacy Requirements | |
| Life Insurance Capital Adequacy Test (2025) – Chapter 12 Life Insurers Operating in Canada on a Branch Basis |
|
Guideline | Capital Adequacy Requirements | |
| Mortgage Insurer Capital Adequacy Test - Guideline (2025) |
|
Guideline | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (December 2024) |
|
Letter | Capital Adequacy Requirements | |
| Update on implementation timeline for Guideline B-2 title insurance provisions |
|
Letter | Prudential Limits and Restrictions | |
| Revised Regulatory Notice on Commercial Real Estate Lending | Regulatory notice | Sound Business and Financial Practices | ||
| Parental Stand-Alone (Solo) Capital Framework for Federally Regulated Life Insurers (2025) |
|
Guideline | Capital Adequacy Requirements | |
| Mortgage Insurer Capital Adequacy Test (MICAT) 2025 - Letter |
|
Letter | Capital Adequacy Requirements | |
| Regulatory Notice on Culture Risk Management – letter |
|
Letter | Sound Business and Financial Practices | |
| Regulatory notice - Culture Risk Management |
|
Regulatory notice | ||
| IFRS 17 Insurance Contracts Guideline |
|
Guideline | ||
| IFRS 17 Insurance Contracts Guideline - Letter |
|
Letter | ||
| OSFI exempts uninsured mortgage straight switches from the prescribed MQR and implements portfolio LTI limits |
|
Letter | Sound Business and Financial Practices | |
| Life Insurance Capital Adequacy Test (2025) – Letter |
|
Letter | ||
| Operational Risk Management and Resilience – Guideline |
|
Guideline | Sound Business and Financial Practices | |
| Operational Risk Management and Resilience — Letter |
|
Letter | Sound Business and Financial Practices | |
| Life Insurance Capital Adequacy Test (LICAT) 2025 – Letter |
|
Letter | Capital Adequacy Requirements | |
| Assurance on Capital, Leverage and Liquidity Returns Guideline - Clarifications |
|
Adjustments and clarifications | Accounting and Disclosure | |
| Modification to the Capital Floor Transition schedule in Chapter 1 of the Capital Adequacy Requirements (CAR) guideline |
|
Regulatory notice | Capital Adequacy Requirements | |
| Progress update on the Data Collection Modernization (DCM) initiative and upcoming opportunity to engage the industry |
|
Letter | Supervisory Advisories | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (2024) |
|
Letter | Capital Adequacy Requirements | |
| OSFI consults on updates to the Liquidity Adequacy Requirements Guideline |
|
Letter | Liquidity Adequacy Requirements | |
| Reinforcing residential mortgage risk management practices |
|
Regulatory notice | Sound Business and Financial Practices | |
| Consequential amendments to Guidelines B-10 and B-13 related to foreign branches |
|
Letter | Sound Business and Financial Practices | |
| Integrity and Security - Guideline |
|
Guideline | Sound Business and Financial Practices | |
| Integrity and Security - Letter |
|
Letter | Sound Business and Financial Practices | |
| Minimum Capital Test - Guideline (2024) |
|
Guideline | Capital Adequacy Requirements | |
| Minimum Capital Test 2024 – Adjustments and clarifications |
|
Adjustments and clarifications | Capital Adequacy Requirements | |
| OSFI maintains the level of the Domestic Stability Buffer at 3.50% - Letter (2023) | Letter | Capital Adequacy Requirements | ||
| Updates to the Administrative Procedures for Late and Erroneous Filing Penalty Framework |
|
Letter | Sound Business and Financial Practices | |
| Domestic Stability Buffer - Decision Summary Note | Capital Adequacy Requirements | |||
| OSFI upholds current LAR guideline treatment for HISA ETFs |
|
Letter | Liquidity Adequacy Requirements | |
| OSFI update on Canadian Dollar Offered Rate transition |
|
Letter | ||
| 2024 Minimum Capital Test (MCT) – Letter (2023) |
|
Letter | ||
| OSFI’s response to Guideline B-20 initial consultation feedback on debt serviceability measures |
|
Consultation response | Sound Business and Financial Practices | |
| Parental Stand-Alone (Solo) TLAC Framework for Domestic Systemically Important Banks (D-SIBs) |
|
Guideline | Capital Adequacy Requirements | |
| OSFI finalizes its Solo Capital guideline and Solo Total Loss Absorbing Capacity (TLAC) guideline |
|
Letter | Capital Adequacy Requirements | |
| Letter to industry on OSFI’s next steps to implement new provisions of its mandate | Letter | |||
| Appointed Actuary: Legal Requirements, Qualifications and Peer Review – Guideline (2023) |
|
Guideline | Sound Business and Financial Practices | |
| Update to LAR guideline review for wholesale funding sources with retail-like characteristics | Letter | Liquidity Adequacy Requirements | ||
| Technology and cyber incident reporting | Letter | Supervisory Advisories | ||
| OSFI increases the level of the Domestic Stability Buffer by 50 basis points | Letter | |||
| Third-Party Risk Management Guideline |
|
Guideline | Sound Business and Financial Practices | |
| OSFI response to draft guideline B-10 consultation feedback – Third-party Risk Management | Letter | Sound Business and Financial Practices | ||
| OSFI’s Intelligence-led Cyber Resilience Testing (I-CRT) Framework |
|
Advisory | Sound Business and Financial Practices | |
| OSFI issues final Guideline B-15 and responds to consultation feedback |
|
Letter |