Browse regulations

Allows foreign insurance companies to publish required regulatory information on OSFI's website instead of in the Canada Gazette, reducing publication costs and improving accessibility.

This regulation improves transparency and reduces compliance costs for foreign insurers while maintaining regulatory oversight. The digital publication provides better accessibility for stakeholders and is more cost-effective than traditional Gazette publication, without reducing the quality or availability of required information.

Regulation provides exceptions to investment restrictions for cooperative credit associations acquiring substantial investments in designated entities, with conditions based on regulatory capital thresholds (50%) and control status, including notification and divestment requirements within two years if thresholds are exceeded.

This regulation imposes compliance costs, restricts voluntary investment decisions based on arbitrary regulatory capital thresholds, and forces divestment within rigid timelines that may not align with market conditions. The complex rules around 'control' and exemptions create legal uncertainty and distort investment strategy to satisfy regulators rather than serve members' interests. Prudential regulation is better achieved through market discipline, private oversight, and transparent financial reporting.

Regulates insurance activities of cooperative credit associations, defining authorized insurance types, advertising restrictions, information sharing prohibitions, and operational boundaries between banking and insurance services.

Creates unnecessary regulatory barriers between financial services that reduce competition and consumer choice. Information sharing restrictions prevent beneficial bundling of services, while advertising prohibitions protect incumbent insurance providers from competition rather than consumers from harm. The complex definitions and restrictions increase compliance costs without clear consumer protection benefits.

This regulation sets fees for specialized consular services provided by Canadian missions abroad, including authentication, notarization, translation, and interpretation services. It establishes fee schedules based on service type and document length, with exemptions for destitute persons, government officials, and official purposes. The regulation also repeals previous versions and includes specific fee structures for different service categories.

This regulation creates artificial price controls and bureaucratic barriers for international services that could be provided more efficiently through market mechanisms. The fee schedule distorts supply and demand for consular services, potentially reducing availability while creating unnecessary government overhead. Private sector alternatives could provide these services more competitively without the regulatory burden.

This regulation implements provisions of the Cooperative Credit Associations Act regarding oral disclosure requirements for deposit accounts. It prescribes specific information that must be provided orally to customers when opening deposit accounts by telephone, including disclosure of limited information, right to cancel within 14 business days, interest rates for fixed and variable accounts, foreign currency insurance status, and account charges. It also allows generic grouping of transaction types and deems disclosure complete 5 days after mailing.

Canadians would be worse off if this regulation was deleted because it ensures transparency and consumer protection in financial services. The oral disclosure requirements prevent customers from being misled about account terms when opening accounts by telephone, where they cannot review written documents. The 14-day cancellation right provides a safety net for customers who may have misunderstood terms or been pressured into opening accounts. Without these protections, vulnerable consumers could face unexpected fees, interest charges, or be locked into unfavorable accounts, particularly affecting elderly or less financially sophisticated individuals who rely on telephone banking services.

Regulation mandates retail associations (credit unions/cooperative lenders) to disclose interest rates and calculation methods for deposit accounts at opening or within 7 days for telephone openings, specifying exact content requirements (annual rate, payment frequency, balance effects, other circumstances). Requires similar disclosures for rate changes and in advertisements, using written statements, posted notices, or website displays.

Mandated disclosure imposes uniform compliance costs that burden all institutions, especially smaller ones, reducing competition and raising costs for consumers. The government cannot determine optimal disclosure formats; market competition would drive transparency as institutions compete for customers by offering clearer terms. This one-size-fits-all rule stifles innovation in disclosure methods and creates a false sense of security, while its compliance costs ultimately restrict credit availability and financial inclusion.

This regulation requires retail associations to disclose all charges for personal and non-personal deposit accounts through multiple channels, provide advance notice of charge increases, and maintain accessible lists of charges for public inspection.

This regulation imposes costly compliance burdens on financial institutions without providing meaningful consumer protection benefits. The mandated disclosure methods create unnecessary paperwork and display requirements that increase operational costs, which are ultimately passed to consumers through higher fees. Market competition naturally incentivizes transparency as banks compete for customers, making these government-mandated disclosure requirements redundant and economically inefficient.

Procedural rules governing appeals under the Pesticide Residue Compensation Act, establishing framework for hearings, document submission, time limits, and appeal processes.

These procedural rules ensure fair, timely, and cost-effective appeals processes for pesticide residue compensation claims. They protect citizens' rights to appeal government decisions while providing clear mechanisms for evidence submission, witness testimony, and judicial review. Without these rules, appeals would lack structure, potentially denying justice to those affected by pesticide-related compensation decisions.

Tobacco and vaping product packaging, marking, and excise stamp regulations covering definitions, packaging requirements, information disclosure, security requirements, service agreements, and export markings for products manufactured in Canada or imported.

Creates regulatory complexity and compliance costs that distort market incentives, restricts private alternatives, and imposes bureaucratic overhead without clear evidence of benefits exceeding these costs.

This regulation governs pension rights and benefits for federal public service employees who transfer to a new employer (specifically a portion of the Department of Health) under a privatization agreement, ensuring continuity of superannuation benefits including survivor benefits, children's allowances, and pensionable service calculations.

Canadians would be worse off if this regulation was deleted because it protects pension rights and benefits for public servants transitioning to private employment, preventing them from losing retirement security and survivor benefits when government services are privatized.

A regulatory framework establishing consumption quotas for solvent use in industrial degreasing processes, requiring permits, reporting, and creating a trading system for excess usage allowances.

Creates bureaucratic overhead, compliance costs, and market distortions while achieving environmental goals through command-and-control rather than price signals. The complex permit system and reporting requirements impose significant costs on businesses without clear evidence of superior environmental outcomes compared to simpler alternatives.

Rules governing the procedures for boards of review under the Canadian Environmental Protection Act, 1999, including definitions, hearing procedures, evidence submission, intervenor applications, and cost awards.

Creates bureaucratic overhead for environmental review processes that could be handled through simpler, more direct procedures. The extensive rules add compliance costs, delay decisions, and provide little benefit over existing administrative law principles. These procedural requirements likely increase costs for businesses and slow down environmental assessments without meaningfully improving outcomes.

Delegates authority from Chicken Farmers of Canada (CFC) to Provincial Commodity Boards to administer federal chicken marketing quotas and market development quotas, while allowing provinces to apply their own supplementary rules on matters like quota allocation, transfers, utilization, and enforcement, provided they don't conflict with federal regulations. The order revokes a 1991 predecessor and comes into force upon registration.

This order administers Canada's supply management system for chicken, which artificially restricts supply through quotas, raising prices for consumers and preventing market competition. The delegation structure to provincial boards entrenches intergovernmental control that stifles economic liberty and innovation in the poultry industry, benefiting existing quota holders at the expense of consumer welfare and new entrants. The regulatory burden reduces supply, increases costs, and distorts incentives across the entire chicken production chain.

Regulations 1-5 were repealed in 2013 (SOR/2013-226, s. 1) and are no longer in effect.

Regulations are already repealed and obsolete, making them redundant to keep in current regulatory framework.

This Order grants remission of U.S. surtaxes on motor vehicles to importers listed in a confidential schedule, subject to conditions including import date window (April 9, 2025–April 8, 2026), claim within two years, mandatory information disclosure to ministers, restarting Canadian manufacturing if paused, and no other relief claimed.

It arbitrarily selects winners via a confidential list, distorts trade and manufacturing incentives, imposes information burdens, and intervenes where uniform tariff removal or free trade would better serve consumers and economic efficiency.