Browse regulations

Prescribes specific activities (risk management services, rehabilitation centers, computer systems/support for brokers, repair centers) that insurance companies may engage in when acquiring control or substantial investment in entities, requiring all such activities to be 'reasonably ancillary' to the insurance business.

This restriction on business diversification imposes government's judgment over market-determined business models. It prevents potentially beneficial efficiencies from integrated services, raises costs for consumers, stifles innovation, and creates regulatory uncertainty with the subjective 'reasonably ancillary' test. Any legitimate prudential or consumer protection concerns should be addressed through targeted regulations, not blanket prohibitions on economic activity.

This regulation defines aggregate financial exposure calculations for trust and loan companies, specifying how to determine financial limits with related parties under the Trust and Loan Companies Act.

Canadians would be worse off if this regulation was deleted because it prevents excessive financial concentration risk between trust companies and their related parties, protecting depositors and maintaining financial system stability through clear exposure limits.

Defines the formula for calculating an insurance company's aggregate financial exposure to a related party, including investments, loans (with exclusions), endorsements/guarantees, and certain transactions, to enforce limits under the Insurance Companies Act.

Keeps alive a restrictive regulatory framework that increases compliance costs, distorts capital allocation, and reduces the competitiveness of Canada's insurance sector. The objective of limiting related‑party risk can be achieved through market discipline, fiduciary duties, and voluntary risk management, without a rigid government‑mandated formula that interferes with efficient business arrangements.

Regulation defines how banks must calculate 'aggregate financial exposure' to related parties, including investments, loans, guarantees, and certain transactions, for purposes of applying exposure limits under subsection 495.2(1) of the Bank Act.

Deleting this regulation would create statutory uncertainty around how banks measure their exposure to related parties, undermining the enforcement of the prudential limit itself. Clear, objective measurement is essential to prevent excessive risk concentration that could trigger bank failures and taxpayer-funded bailouts in Canada's government-insured banking system.

This regulation establishes a framework for listing and freezing assets of individuals and entities suspected of terrorism, implementing UN Security Council resolutions on counter-terrorism. It includes procedures for listing, judicial review, asset freezing, and exemptions for basic expenses.

Creates a system of secret evidence and frozen assets without due process, potentially harming innocent people whose names resemble listed persons. The unintended consequences include economic disruption for businesses dealing with frozen assets and suppression of legitimate financial transactions, while the core security objectives could be achieved through targeted criminal prosecution.

This regulation authorizes the Saskatchewan Alfalfa Seed Producers Development Commission to regulate interprovincial and export trade of alfalfa seed, including imposing levies and charges on producers and marketers to fund the commission's activities.

Creates artificial barriers to interprovincial trade, imposes mandatory levies that distort market signals, and establishes a regulatory monopoly that reduces competition and supply flexibility in the alfalfa seed market.

A remission order granting selective waiver of US surtaxes on motor vehicle imports, with conditions requiring disclosure of business information to ministers and mandating manufacturing restart plans for affected importers.

Creates arbitrary, non-transparent exemptions via confidential schedule; violates rule of law by making tax liability dependent on unpublished lists; compels disclosure of private business information; imposes conditions that distort market incentives and force business decisions; represents government picking winners in trade rather than principled free trade.

Regulation establishes mandatory registration and security assessments for persons handling controlled goods (defence-related items), requiring background checks, record-keeping, security plans, and ongoing reporting to prevent unauthorized transfers.

Deletion would eliminate systematic controls preventing proliferation of sensitive defence technology to hostile actors, posing unacceptable national security risks. The mandatory, comprehensive approach with centralized record-keeping achieves traceability and risk assessment impossible through voluntary measures due to collective action failures and information gaps in security screening.

This regulation (Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations) mandates that reporting entities—including financial institutions, casinos, real estate brokers, and dealers in precious metals/stones—submit detailed suspicious transaction and terrorist property reports to FINTRAC. It prescribes extensive information requirements (Schedules 1 & 2) covering personal identities, transaction details, device data, and ownership structures, with a five-year retention obligation.

The regulation imposes massive compliance costs on thousands of businesses, invades privacy by mandating intrusive data collection on routine transactions, and likely diverts more economic value than the uncertain benefits in preventing financial crimes. Unseen costs include stifled financial innovation, barriers to entry for small firms, and a surveillance apparatus that treats all Canadians as suspects, violating the principles of liberty and private property.

This regulation designates specific lands in Pickering, Ontario as the airport site, outlining boundaries on a recorded plan and excluding certain registered parcels. It appears to be a land use designation for future airport development.

This land designation is foundational infrastructure planning that enables future airport development, which would create significant economic benefits through improved transportation capacity, regional connectivity, and economic growth. Removing this designation would eliminate the ability to develop critical infrastructure that could alleviate Toronto's airport congestion and create thousands of jobs.

Regulation mandates administrative requirements for educational institutions copying copyrighted works under statutory license: assign copy/institution identifiers, mark copies, maintain detailed records of copying, performances, and destruction, report periodically to collective societies, and retain records for two years.

The regulation imposes costly administrative burdens on educational institutions, increasing education costs and potentially deterring use of valuable materials. This compliance overhead contributes to Canada's regulatory burden that drives talent abroad and reduces competitiveness. The royalty collection system may not justify these unseen costs and distortions.

Comprehensive regulations governing the transportation of dangerous goods in Canada, covering definitions, classification, packaging, documentation, safety marks, and emergency response requirements with references to international standards and technical specifications.

The regulations create excessive compliance burden on businesses, increase costs for consumers, and impose complex technical requirements that could be replaced by market-based solutions and liability systems without compromising safety.

This regulation details procedural requirements for federal judges to elect optional survivor annuities, including specific documentation (birth certificates, marriage certificates, statutory declarations), submission methods (registered mail), timing windows, and complex actuarial calculation formulas for benefit adjustments.

The regulation imposes excessive micromanagement on a government pension process, mandating specific methods (registered mail), rigid documentation requirements, and intricate actuarial formulas. It creates unnecessary compliance burdens and administrative bloat. The same legitimate goals—preventing fraud, ensuring accuracy, and equitable treatment—could be achieved through much simpler, principle-based administrative guidelines. Deleting it would reduce bureaucratic friction while allowing modern, efficient methods for judges to exercise this benefit election.

This regulation governs enhanced survivor annuity elections for judges, allowing them to increase survivor benefits (60% or 75% of judge's annuity) in exchange for reduced payments during their lifetime. It establishes administrative procedures for making elections, required documentation, actuarial calculations, and conditions for revocation or cessation.

Canadians would be worse off if deleted because judges and their families would lose the option to secure enhanced survivor benefits through a structured, actuarially sound mechanism. The regulation ensures fair, transparent administration of these elections while protecting both judges and public finances through proper documentation and calculation requirements.

All sections of this regulation have been repealed by SOR/2014-177, section 4. No current legal effect.

Regulation already repealed - no longer has force of law. Historical artifact with no current impact on Canadians.