This study compares the average cost and affordability of personal passenger automobile insurance premiums in each of the 10 Canadian provinces from 2007 to 2009. Four provinces have government-owned monopolies that sell insurance coverage to drivers. The other six rely on a regulated...

Canadian financial regulators have introduced a new disclosure document for mutual and segregated funds called “Fund Facts.” The document is intended to provide investors with information in a simple, accessible, and comparable format.However, the disclosure regime for Fund Facts is too...

There is a 30 percent chance that an earthquake strong enough to cause significant damage will strike southwestern British Columbia in the next 50 years, and a 5 to 15 percent chance that a major earthquake will strike southern Quebec or eastern Ontario. These quake zones encompass several...

Many proponents of Canada Pension Plan (CPP) reform call for its mandatory expansion, while others have made the case for alternatives. This study examines CPP expansion from an economies-of-scale perspective to assess the potential impact of expansion on the Canada Pension Plan Investment...

The Canadian mortgage insurance system is unique: the government of Canada has a significant explicit exposure to mortgage finance. Forty-three percent of mortgages (including all loan-to-value mortgages over 80 percent) are covered by guarantees backed by the government, leaving Canadian...