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The C.D. Howe Institute is an independent not-for-profit research institute whose mission is to raise living standards by fostering economically sound public policies. Widely considered to be Canada's most influential think tank, the Institute is a trusted source of essential policy intelligence, distinguished by research that is nonpartisan, evidence-based and subject to definitive expert review.

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Financial Services Competition


Swimming with Whales: How to Encourage Competition from Small Banks
October 4, 2016 - John Jason

Ottawa should consider new regulatory approaches to bolster the role of smaller financial institutions if it is to achieve its goals of enhancing quality, price and innovation in that sector,...

How to Make the World Safe for (and from) Covered Bonds
August 20, 2015 - Finn Poschmann

Although few outside of financial circles have heard of covered bonds, they have emerged as an important and efficient funding channel for Canadian mortgage lending, according to a new report...

Reining in the Risks: Rethinking the Role of Crown Financial Corporations in Canada
February 6, 2013 - Finn Poschmann and Philippe Bergevin

After years of “mission creep” at Canada’s Crown financial corporations, their activities have expanded far beyond their original mandates and need reassessment, according to a new report from the...

Debit, Credit and Cell: Making Canada a Leader in the Way We Pay
June 21, 2012 - Philippe Bergevin and Todd J. Zywicki

Canadians are avid users of debit cards, credit cards and online payments, but our payment system needs reform to spur innovation, according to a report released today by the C.D. Howe Institute....

September 13, 2011 - Philippe Bergevin and Todd J. Zywicki

As part of the consultation process on proposed reforms by the Task Force for the Payments System Review, Philippe Bergevin, Policy Analyst at the C.D Howe Institute, and Todd J. Zywicki from the...

Jeremy M. Kronick - Financial Regulation Under President Trump
Intelligence Memos
From:  Jeremy M. Kronick To:  Superintendent Jeremy Rudin Date:  January 20, 2017 Re:  Financial Regulation Under President Trump Today Donald J. Trump was inaugurated as the 45th President of the...

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© 2014 C.D. Howe Institute. All Rights Reserved.