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 401 to 500 of 1065 entries
Sector Status Category Guidance Number Guidance Name
Pensions Inactive Commuted Value PE0609ORG Mortality Tables For Calculation - CIA Recommendations
Pensions Active Annuities PE0229ORG Mortality Tables and Sex Discrimination
Pensions Inactive Annuities PE0347ORG Mortality Tables and Sex Discrimination
Pensions Inactive Membership PE0373ORG More Advantageous Pension Benefits or Ancillary Benefits Permitted
Pensions Active Benefits PE0238ORG More Advantageous Pension Benefits or Ancillary Benefits Permitted
Auto Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Pensions Active Administration - Pensions PE0203INF Missing Members Principles and Practices
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Insurance Inactive Capital Testing PC0046ORG Minimum Capital Test Guideline for Property and Casualty Insurance Companies
Pensions Inactive Locked-in Accounts PE0446ORG Minimum and Maximum Withdrawals
Pensions Inactive Interest PE0424ORG Minimum and Maximum Rates
Mortgage Inactive Syndicated Mortgage Investments MB0017ORG MFDA and FSCO issue joint communication concerning the selling of syndicated mortgage investments
Pensions Inactive Asset Transfers PE0505ORG Merger Policy - September 1993 - PBA, 1990 s. 81, O. Reg. 909 s. 7
Pensions Active Information and Statements PE0255ORG Members’ Annual Statements and Termination Statements
Pensions Inactive Information and Statements PE0303ORG Members’ Annual Statement
Pensions Active Information and Statements PE0254ORG Member's Right to Information, Annual Statements, Termination Statements, Notices, PBA 1990, s. 25-30, 42, O. Reg. 909 s. 28, 39-46 Effective When Published
Pensions Inactive Filing - Pensions PE0393ORG Master Trust Arrangements
Pensions Active Spousal Rights PE0207ORG Marriage Breakdown and Pension Credits
CU-CP Active Framework CU0070INT Market Conduct Framework Guidance 
CU-CP Active Risk Management CU0053ORG Market Risk Advisory #2 - Investment in a Pool of Individual Mortgages and Mortgage Pools
CU-CP Active Risk Management CU0052ORG Market Risk Advisory #1 - Investment in Digital Currencies
Pensions Inactive Membership PE0500ORG Mandatory vs Voluntary - PBA, 1987 c. 10(1)2, s. 26
Pensions Active Membership PE0157ORG Mandatory versus Optional Membership in a Pension Plan
Pensions Inactive Retirement PE0560ORG Mandatory Retirement Date
Pensions Inactive Retirement PE0561ORG Mandatory Retirement - PBA, 1987 s. 36, s. 42
Pensions Inactive Administration - Pensions PE0319ORG Mandatory for MEPPs Established by Collective Agreements or Trust Agreements
Pensions Inactive Membership PE0501ORG Mandatory and Voluntary - Changes After Effective Date
Pensions Active Administration - Pensions PE0120ORG Management and Retention of Pension Plan Records by the Administrator
Pensions Inactive Surplus PE0599ORG Making Application Under ss. 7a(2)(c) - O. Reg. 708/87
Auto Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Auto Inactive Loss Transfer AU0079ORG Loss transfer revisited
Auto Inactive Loss Transfer AU0073ORG Loss transfer
Pensions Inactive Refunds PE0543ORG Locking-in Provisions - Prior Consent of the Commission Required for Refunds, PBA 1990 ss. 63(7) and (8)
Pensions Inactive Locking in PE0493ORG Locking In of Pension Funds When Member Leaves the Country
Pensions Inactive Locking in PE0491ORG Locked-in RRSP Funds - Annuities
Pensions Inactive Locking in PE0492ORG Locked-in RRSP Cannot Be Transferred To A RRIF (also ref: Life Income Fund)
Pensions Inactive Locking in PE0488ORG Locked-in RRSP Can Purchase Annuity At Age 55
Pensions Inactive Locked-in Accounts PE0485ORG Locked-In Retirement Income Funds (LRIFs)
Pensions Active Locked-in Accounts PE0149ORG Locked-In Retirement Accounts (LIRAs)
Pensions Inactive Locked-in Accounts PE0463ORG Locked-In Retirement Accounts (LIRAs)
Pensions Inactive Locked-in Accounts PE0460ORG Locked-In LIFs and LIRAs Approved by Other Jurisdictions
Pensions Inactive Locked-in Accounts PE0096ORG Locked-In Accounts
Auto Inactive Filing - Auto AU0103ORG List of guidelines
CU-CP Active Liquidity CU0064INT Liquidity *New
CU-CP Inactive Liquidity CU0036ORG Liquidity Guidance Note
CU-CP Inactive Liquidity CU0072ORG Liquidity Data Template
CU-CP Inactive Liquidity CU0066INT Liquidity Coverage Ratio Completion Guide
CU-CP Active Liquidity CU0073ORG Liquidity Coverage Ratio (LRC) Template 2021
CU-CP Inactive ICAAP CU0087ORG Liquidity and Stress Testing Guidance Notes and Tools
Auto Inactive Auto Insurance General AU0119ORG Link to Auto Insurance Page
Pensions Active Commuted Value PE0202APP Limitations on Commuted Value Transfers and Annuity Purchases (DB Pension Plans)
Pensions Inactive Locked-in Accounts PE0464ORG Life Income Funds (LIFs)
Pensions Inactive Locked-in Accounts PE0441ORG Life Income Fund Update and Revised Schedule 1 of Regulation 909
Pensions Active Locked-in Accounts PE0196INF Life Income Fund (LIF) and Locked-In Retirement Income Fund (LRIF) Maximum Annual Income Payment Amount Table
Insurance Active Reporting - Insurance PC0043INT Life agent reporting requirements and related insurer obligations
Pensions Inactive Locked-in Accounts PE0439ORG LIF Explanation and Tables for Minimum and Maximum Withdrawal Percentages
Insurance Inactive Licensing - Insurance PC0036ORG Licensing Link Enhancements for Life Insurance Agents
Insurance Inactive Information for Agents PC0024ORG Licensing FAQ’s for Insurance Agents and Adjusters
Mortgage Active Licensing - Mortgage Brokering MB0032ORG Licensing FAQ
Mortgage Active Licensing - Mortgage Brokering MB0046INT Licensing exemption for Permitted Clients that are not Individuals
HSP Inactive Annual Information Return (AIR) - HSP HP0029ORG Licensed Health Service Provider Frequently Asked Questions on the AIR and Annual Regulatory Fee
Pensions Inactive Surplus PE0591ORG Levels of Consent Required Pursuant to Section 10.1 of Regulation 909
Pensions Inactive Investments - Pensions PE0431ORG Letters of Credit As Collateral In Securities Lending
Pensions Active Funding PE0011ORG Letters of Credit
Pensions Inactive Miscellaneous PE0043ORG Lester Wong, FSCO's Interim Deputy Superintendent, Pensions
CU-CP Inactive Lending CU0035ORG Lending Guidance Note
CU-CP Inactive Lending CU0055ORG Lending Advisory #5 - Mortgages Lending Practices
CU-CP Inactive Lending CU0054ORG Lending Advisory #4 - Mortgage Lending Practices
CU-CP Inactive Lending CU0050ORG Lending Advisory #3 - Mortgage Lending Practices and Potential Real Estate Market Correction
CU-CP Active Lending CU0056ORG Lending Advisory #3 - Authorized Syndicating (Lead) Credit Unions in a Loan Syndication
CU-CP Active Lending CU0048ORG Lending Advisory #2 - Authorized Participants in Loan Syndications
CU-CP Active Lending CU0045ORG Lending Advisory #1 - Lending Limits and Creditor Insurance
Pensions Active Miscellaneous PE0083ORG Legislative Changes July 1, 2012
Pensions Inactive Miscellaneous PE0082ORG Legislative and Regulatory Changes
Mortgage Inactive Legislation MB0031ORG Legislation: Act & Regulations
Pensions Inactive Registration PE0557ORG Legal Effect, PBA, 1987 s. 10, s. 16 & s. 17
Auto Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Pensions Inactive Filing - Pensions PE0335ORG Late Filing Fees - How to Calculate Interest on Overdue Annual Filing Fee Payments
Pensions Inactive Filing - Pensions PE0334ORG Late Filing Fees
Pensions Inactive Filing - Pensions PE0333ORG Late Fees
Pensions Inactive Pension Benefits Guarantee Fund (PBGF) PE0511ORG Late Assessment Payments - Updated Interest Table
Pensions Inactive Pension Benefits Guarantee Fund (PBGF) PE0510ORG Late Assessment Payments - Calculation of Interest - 1995 - O. Reg. 909 s. 37
Pensions Inactive Filing - Pensions PE0336ORG Late AIR Filing Fees - Updated Interest Table
Pensions Active Miscellaneous PE0042ORG Know the facts about your registered pension plan
Auto Inactive Filing - Auto AU0106ORG Key Legislative Requirements and Overview of Filing Guidelines
Pensions Inactive Spousal Rights PE0564ORG Joint and Survivor Requirement and Waiver
Pensions Active Benefits PE0275ORG Joint and Survivor Pension Waived
Pensions Inactive Spousal Rights PE0566ORG Joint and Survivor Pension or Annuity – Entitlement, Waiver and Cancellation
Pensions Active Spousal Rights PE0274ORG Joint and Survivor Pension or Annuity – Entitlement, Waiver and Cancellation
Insurance Inactive Variable Insurance Contract PC0022ORG IVICs Information
Pensions Inactive Information and Statements PE0641ORG Items marked “Private” and “Confidential”
Pensions Inactive Miscellaneous PE0417ORG Invitation to Serve on Advisory Committees to the PCO
CU-CP Inactive Investments - CU-CP CU0034ORG Investments Guidance Note
Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
Pensions Inactive Investments - Pensions PE0430ORG Investment in a Limited Partnership
Pensions Inactive Investments - Pensions PE0076ORG Investment
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]
CU-CP Active ICAAP CU0033ORG Internal Capital Adequacy Assessment Process (ICAAP) – Credit Unions with Total Assets Greater than $500 Million
Pensions Inactive Asset Transfers PE0231ORG Interim Transfer of Assets on Purchase and Sale
Pensions Inactive Asset Transfers PE0353ORG Interim Transfer of Assets on Purchase and Sale