The Financial Services Regulatory Authority of Ontario (FSRA) is responsible for supervising and regulating a broad range of financial service sectors. FSRA issues guidance to make it easier for the public, new entrants and incumbents to understand what is legally binding, what is FSRA’s interpretation or application of law and what information is designed to be helpful. All guidance is issued in accordance with FSRA's Guidance Framework.

The following table lists Active guidance. Use the filters to search the table or enter text in the search field. Please reach out to our contact centre if you require assistance.

Note: 

  • To find inactive guidance select “inactive from the “Status” filter.
  • For information on inactive / Inherited guidance, follow this link Inherited Guidance
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Showing 1 to 100 of 156 entries
Status Category Guidance Number Guidance Name
Active Administrative Monetary Penalties - General Regulatory GR0013APP Enforcement: General Administrative Monetary Penalties Guidance
Active Indexation AU0015ORG 2009 Indexation Percentage under Bill 59/198, 2009 Indexation Percentage and Revised Deductibles/Monetary Amounts under Bill 164, and Changes to the Conservative Mennonite Automobile Brotherhood Assistance Plan Exemption Identification Card
Active SABS AU0124ORG 2019 Automobile Insurance Legislated and Regulatory Adjustments and Optional Indexation Rates Under the Statutory Accident Benefit Schedule
Active Indexation AU0129DEC 2024 Automobile Insurance Indexation Amounts
Active Unfair or Deceptive Acts AU0139DEC Acquisitions Warranting Relief from Lowest Available Rate Requirement
Inactive Advisory Board GR0007ORG Advisory Board
Active Innovation GR0018DEC Affiliated insurers carrying on business as a common undertaking pursuant to s. 392.2(8) of the Insurance Act
Inactive Claims Process AU0086ORG After an Auto Accident: Understanding the Claims Process
Inactive Catastrophic Impairment AU0045ORG Amendment to Catastrophic Impairment Definition
Inactive Forms - Auto AU0041ORG Amendments to Accident Benefit Forms - Application for Determination of Catastrophic Impairment (OCF-19) and Standard Benefit Statement
Inactive Auto Insurance Regulations AU0042ORG Amendments to Automobile Insurance Regulations
Inactive Forms - Auto AU0011ORG Amendments to the Ontario Automobile Policy (OAP 1) and related forms
Inactive Garage Policy AU0005ORG Amendments to the Ontario Garage Automobile Policy
Inactive Forms - Auto AU0070ORG Amendments to the Ontario Garage Automobile Policy (OAP 4) and related forms, and amendments to the Ontario Automobile Policy (OAP 1) and related forms
Inactive Forms - Auto AU0013ORG Amendments to the Ontario Garage Policy (O.A.P. 4) and Other Commercial Automobile Insurance Forms
Inactive Filing - Auto AU0050ORG Amendments to the Private Passenger Automobile Filing Guidelines and Technical Notes
Inactive Settlement AU0043ORG Amendments to the Settlement Disclosure Notice
Active Licensing - Auto AU0032ORG Amendments to the Statutory Accident Benefits Schedule, Service Provider Regulations, Administrative Penalties and Eligibility for Transportation Expenses
Inactive Forms - Auto AU0058ORG Amendments to Three Ontario Automobile Policy Forms - OAP 1, OPF 2 and OAP 4
Active Administrative Lapse AU0010ORG An Administrative Lapse or a Suspension of a Driver’s Licence
Inactive Loss Transfer AU0094ORG Analysis of Reform Cost and Loss Trend Rates for Ontario Private Passenger Automobile Insurance
Inactive MVACF AU0117ORG Apply to the Motor Vehicle Accident Claims Fund
Inactive MVACF AU0118ORG Apply to the Motor Vehicle Accident Claims Fund
Inactive Forms - Auto AU0114ORG Auto Insurance Claims Forms (OCF Forms)
Inactive Consumer Protection - Auto AU0093ORG Auto Insurance Consumer Resources
Inactive Bill of Rights AU0085ORG Auto Insurance Consumers' Bill of Rights
Inactive Fraud & Abuse Reduction AU0116ORG Auto Insurance Fraud Hotline
Inactive Rate Approvals AU0122ORG Auto Quarterly Rate Approvals
Inactive Filing - Auto AU0104ORG Automobile Insurance endorsements guidelines
Inactive Filing - Auto AU0105ORG Automobile Insurance forms filings
Active Forms - Auto AU0138APP Automobile insurance non standard forms, endorsements and certificates of insurance approval filing process
Inactive Forms - Auto AU0112ORG Automobile Insurance Policy (O.A.P. 1), Application and Endorsement Forms
Inactive Underwriting rules AU0004ORG Automobile insurance underwriting rules
Active Rules and Risk Classification AU0059ORG Automobile Insurance Underwriting Rules and Risk Classification Variables
Active Preferred Provider Networks AU0012ORG Best Practices for Preferred Provider Networks (PPNs)
Inactive Catastrophic Impairment AU0044ORG Catastrophic Impairment - Public Hospitals Guideline and Updated Cost of Goods Guideline
Inactive Catastrophic Impairment AU0037ORG Catastrophic Impairment – Public Hospitals Guideline
Inactive Certificate AU0096ORG CERTIFICATE OF AN OFFICIAL: Appendix B
Inactive Certificate AU0095ORG CERTIFICATE OF AN OFFICIAL: Appendix E
Inactive Certificate AU0098ORG CERTIFICATE OF THE ACTUARY: Appendix B2
Inactive Certificate AU0099ORG CERTIFICATE OF THE OFFICER/DESIGNATE
Inactive Certificate AU0097ORG CERTIFICATE OF THE OFFICER/DESIGNATE: Appendix B1
Inactive Auto Insurance Regulations AU0034ORG Changes to Automobile Insurance Regulations; Guideline Update
Active Regulation AU0016ORG Changes to Ontario Regulation 283/95: Disputes Between Insurers
Inactive Unfair or Deceptive Acts AU0021ORG Changes to Ontario Regulation 7/00: Unfair or Deceptive Acts or Practices
Inactive Endorsement AU0065ORG Complete set of endorsements attached to O.P.F. 1 (Owner's Policy)
Active CAIA AU0014ORG Compulsory Automobile Insurance Act (CAIA) "Insurance Card"
Active Consumer Protection - Auto AU0131INT Consumer Relief During A Declared Emergency under the Emergency Management and Civil Protection Act
Active Assessments and Examinations AU0127INF Cost of Assessments and Examinations Guideline
Active Cost of Goods AU0036ORG Cost of Goods Guideline
Inactive Volunteer Drivers AU0072ORG Coverage and rating for volunteer drivers
Inactive Consumer Protection - Auto AU0089ORG Don't Get Scammed Buying Auto Insurance
Inactive Insurance Provider Protection Act AU0006ORG Emergency Service Provider's Insurance Protection Act (Insurance Amendment), 2004
Inactive Driver Endorsement AU0007ORG Excluded Driver Endorsements (OPCF 28A and O.E.F. 78A)
Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
Active Consumer Protection - General Regulatory GR0008APP Fair Treatment of Customers in Insurance
Inactive Fraud & Abuse Reduction AU0120ORG Fighting Auto Insurance Fraud: What You Can Do
Active Filing - Auto AU0109ORG Filing Guidelines for Underwriting Rules
Inactive Rate Filing AU0063ORG FOIPOP and Rate Filings
Inactive Forms - Auto AU0066ORG French Automobile Insurance Forms
Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
Active Service Standards - General Regulatory GR0009APP FSRA Service Standards
Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Active Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Inactive Consumer Protection - Auto AU0091ORG How to Save on Auto Insurance
Inactive Forms - Auto AU0003ORG Implementing Automobile Insurance Reforms Under Bill 198: Revised Ontario Automobile Policy (OAP 1) and related Policy and Endorsement Forms
Inactive Forms - Auto AU0040ORG Implementing Automobile Insurance Reforms: Amendments to the Accident Benefit Claims Forms
Inactive Forms - Auto AU0039ORG Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Application, Endorsement and Related Forms
Inactive Forms - Auto AU0017ORG Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Policy and Related Forms
Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
Inactive Bill 59 AU0071ORG Implementing Bill 59: consumer brochures, SABS, and new/revised forms
Active Risk Management GR0016INT Information Technology (“IT”) risk management
Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
Active Insurer Rights and Responsibilities AU0023ORG Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims
Active Unfair or Deceptive Acts AU0135INT Interpretation of Sections 237 & 238 of the Insurance Act and Sections 1(1) and 2(1)(5) to 2(1)(8) of Regulation 7/00 Unfair or Deceptive Acts or Practices and Approach to Supervision [Take All Comers Rule]
Inactive Filing - Auto AU0106ORG Key Legislative Requirements and Overview of Filing Guidelines
Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Inactive Auto Insurance General AU0119ORG Link to Auto Insurance Page
Inactive Filing - Auto AU0103ORG List of guidelines
Inactive Loss Transfer AU0073ORG Loss transfer
Inactive Loss Transfer AU0079ORG Loss transfer revisited
Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Inactive Liability Card AU0081ORG Motor Vehicle Liability Insurance Card (Canada/Inter-Province)
Inactive Forms - Auto AU0009ORG New and Revise Accident Benefit Claim forms
Inactive Forms - Auto AU0002ORG New and Revised Policy and Endorsement Forms
Inactive Forms - Auto AU0020ORG New and Revised Policy and Endorsement Forms
Inactive Motor Vehicle Liability Insurance Card AU0061ORG New background design for Motor Vehicle Liability insurance card
Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Inactive Licensing - Auto AU0025ORG New Regulations for Service Provider Licensing and Changes to Statutory Accident Benefits Schedule – Effective September 1, 2010
Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Active Loss Trend AU0132APP Ontario private passenger automobile annual review based on industry data
Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
Active Indexation AU0022ORG Optional Indexation Benefit Guideline
Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major