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 1001 to 1065 of 1065 entries
Sector Status Category Guidance Number Guidance Name
CU-CP Active Risk Management CU0049ORG Operational Risk Advisory #2 - Potential Risks Associated with Providing Banking Services to Money Service Businesses (MSBs)
Insurance Active Capital Testing PC0047INT Updated Minimum Capital Test Guideline for P&C Insurance Companies and Reciprocals
Pensions Active Funding PE0002ORG 2018 Funding Reform for Defined Benefit Pension Plans
Pensions Active Commuted Value PE0056ORG Commuted Value - Frequently Asked Questions (FAQs)
Pensions Active Locked-in Accounts PE0678ORG FAQs on Locked-in Retirement Income Funds (LRIFs)
Pensions Active Benefits PE0277ORG Value of a Deferred Pension
Pensions Active Membership PE0219ORG No Transfer Rights on Suspension of Plan Membership
Pensions Active Administration - Pensions PE0121ORG Administrator’s Management of Inquiries and Complaints from Plan Beneficiaries
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Auto Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Pensions Active Funding PE0129ORG Determination of Interest Payments Where Solvency Special Payments Are Covered by Letters of Credit
Pensions Active Family Law PE0100ORG Implications of Bill 14 Amendments on the Carrigan Decision
FP/FA Active Application - FP/FA FP0001APP Financial Professionals Title Protection – Administration of Applications
Auto Active Payment Processing AU0038ORG Processing Direct Payments to Service Providers for "Listed Expenses"
CU-CP Active Advertising CU0081ORG Decal Installation Guide
CU-CP Active Securitization CU0079ORG Application Guide: Securitization
CU-CP Active Liquidity CU0073ORG Liquidity Coverage Ratio (LRC) Template 2021
Pensions Active Funding PE0256ORG Canadian Institute of Actuaries, Practice-Specific Standards for Pension Plans
Pensions Active Wind up PE0178ORG Distribution of Benefits on Partial Wind Up Where Immediate or Deferred Pensions are Not Purchased
Pensions Active Locked-in Accounts PE0063ORG Process for Financial Hardship Unlocking
Pensions Active Benefits PE0236ORG Garnishment of Pensions In Pay
Pensions Active Information and Statements PE0287ORG New Provisions Related to the Disclosure of Records
Pensions Active Administration - Pensions PE0045ORG Sample Retention Schedule for Pension Plan Records
Mortgage Active Forms - Mortgage Brokering MB0038INT Amended Disclosure Forms 3.0, 3.1 and 3.2 for Non-Qualified Syndicated Mortgages
Auto Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
General Regulatory Active Innovation GR0018DEC Affiliated insurers carrying on business as a common undertaking pursuant to s. 392.2(8) of the Insurance Act
CU-CP Active Risk Management CU0051ORG Capital Risk Advisory #1 - Credit Union Shares Held as Security
Pensions Active Commuted Value PE0087ORG Payment of a Small Amount under Section 50(1) of the Pension Benefits Act
Pensions Active Locked-in Accounts PE0679ORG FAQs on Locked-in Retirement Accounts (LIRAs)
Pensions Active Benefits PE0289ORG Immediate Vesting
Pensions Active Surplus PE0089ORG Surplus Withdrawal Applications
Pensions Active Membership PE0220ORG Cessation of Member Contributions
Pensions Active Administration - Pensions PE0122ORG Use of Superintendent Approved Pension Forms -PBA s. 113.2
Insurance Active Purchasing PC0016ORG Borrowing to Purchase Life Insurance Products - Risks and Suitability
Mortgage Active Mortgage Fraud MB0044INT Detecting and Preventing Mortgage Fraud
Pensions Active Funding PE0136ORG Funding Requirements for Designated Plans in Ontario, O.Reg 73/95 Effective When Published
Pensions Active Commuted Value PE0278ORG Recalculation of Transfer Values
Pensions Active Supervisory Approach PE0245ORG Process for Reviewing Defined Benefit Pension Plan Applications and Service Targets
Mortgage Active Application - Mortgage Brokering MB0021ORG Mortgage Administrator Licence Application - Instructions for completing the application
Pensions Active Filing - Pensions PE0139ORG Disclosure Expectations for Financial Statements Filed Pursuant to Regulation 909 s.76
Auto Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
CU-CP Active Securitization CU0080ORG Securitization Reporting Template
CU-CP Active Liquidity CU0074ORG Net Cumulative Cash Flow Report (NCCF) Template 2021 
Insurance Active LLQP PC0026ORG How to Submit Feedback on the Life Licence Qualification Program (LLQP)
Mortgage Active Education MB0026ORG Mortgage Broker and Mortgage Agent Education
Pensions Active Funding PE0258ORG Alternative Settlement Methods for Solvency Valuations
Pensions Active Wind up PE0179ORG Payment of Benefits on Partial Wind Up
Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
Auto 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]
Auto Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major
Auto Active Fleets AU0078ORG Revised bulletin on the definition of "Fleet"
General Regulatory Active Innovation GR0010APP Test and Learn Environments (TLEs) for Financial Services Innovation
CU-CP Active Lending CU0056ORG Lending Advisory #3 - Authorized Syndicating (Lead) Credit Unions in a Loan Syndication
CU-CP Active Risk Management CU0052ORG Market Risk Advisory #1 - Investment in Digital Currencies
General Regulatory Active Administrative Monetary Penalties - Insurance GR0011APP Transparent Communication of FSRA Enforcement Action
Pensions Active Funding PE0006ORG The Determination of Whether a Plan is a Closed Plan
Pensions Active Commuted Value PE0091ORG Transfers to a Registered Retirement Savings Plan (RRSP) or to a Registered Retirement Income Fund (RRIF)
Pensions Active Supervisory Approach PE0055ORG Court Proceedings - Frequently Asked Questions
Pensions Active Locked-in Accounts PE0148ORG Shortened Life Expectancy
Pensions Active Locked-in Accounts PE0680ORG FAQs for Financial Institutions (LIFs and LRIFs)
Pensions Active Surplus PE0162ORG Partial Wind Up - Identification and Administration of Surplus
Pensions Active Membership PE0221ORG Amendment to Terminate Membership not Permitted
Pensions Active Administration - Pensions PE0123ORG Electronic Communications Between Plan Administrators and Plan Beneficiaries
Pensions Active Filing - Pensions PE0022ORG Filing Information for Pension Plan Administrators
Pensions Supervisory Approach PE0580ORG Delegation of the Superintendent’s Authorities - Financial Services Commission of Ontario Act, 1997, ss. 5(3)