Supervising federally regulated financial institutions and
pension plans to contribute to public confidence in the financial system
Features
Loan-to-income limit
Learn more about the proposed limit on the mortgage loan portfolios of financial institutions
2024-25 Departmental Plan
Learn about our planned work for 2024-25 to allow us to deliver on our mandate
Key indicators
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3.50%
Domestic Stability Buffer
3.50% of total risk-weighted assets effective November 1, 2023
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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
Guidelines
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 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.
2024 Major announcements
- May 22 OSFI Annual Risk Outlook
- June 18 Domestic Stability Buffer rate setting announcement
- October 10 OSFI Annual Risk Outlook – semi-annual update
- December 17 Domestic Stability Buffer rate setting announcement