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
Showing 201 to 300 of 1062 entries
Sector Status Sort descending Category Guidance Number Guidance Name
Pensions Active Pension Benefits Guarantee Fund (PBGF) PE0683ORG Regulation Changes to the Pension Benefits Guarantee Fund (PBGF) - 2019
Pensions Active Wind up PE0288ORG Full and Partial Wind Ups - Frequently Asked Questions
Pensions Active Benefits PE0275ORG Joint and Survivor Pension Waived
Pensions Active Membership PE0157ORG Mandatory versus Optional Membership in a Pension Plan
Pensions Active Administration - Pensions PE0121ORG Administrator’s Management of Inquiries and Complaints from Plan Beneficiaries
Auto Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Auto Active Attendant Hourly Rate AU0054ORG Revised Attendant Care Hourly Rate Guideline and Clarification of Health Care Providers Subject to the Professional Services Guideline
Pensions Active Commuted Value PE0226INF Bank of Canada Revisions: Effect on Commuted Value Calculations and Filings
Pensions Active Spousal Rights PE0274ORG Joint and Survivor Pension or Annuity – Entitlement, Waiver and Cancellation
FP/FA Active Application - FP/FA FP0001APP Financial Professionals Title Protection – Administration of Applications
Auto Active Forms - Auto AU0138APP Automobile insurance non standard forms, endorsements and certificates of insurance approval filing process
Mortgage Active Brokerage Checklist MB0012ORG Compliance Checklist for Managing the Mortgage Brokerage
Pensions Active Funding PE0227ORG Requirement for Submission of Actuarial Reports and Cost Certificates
Pensions Active Benefits PE0142ORG Benefit Accrual in a MEPP - Clarification
Pensions Active Information and Statements PE0265ORG Disclosure of information provided to FSCO by an Administrator: Records marked “Privileged,” “Private” or “Confidential”
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 Indexation AU0129DEC 2024 Automobile Insurance Indexation Amounts
Auto Active Assessments and Examinations AU0127INF Cost of Assessments and Examinations Guideline
CU-CP Active Lending CU0048ORG Lending Advisory #2 - Authorized Participants in Loan Syndications
CU-CP Active Risk Management CU0047ORG Operational Risk Advisory #1 - Outsourcing Servicing of Owned ATM's
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 PE0122ORG Use of Superintendent Approved Pension Forms -PBA s. 113.2
Auto Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Auto Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
CU-CP Active Application - CU-CP CU0085APP Approval or Authorization of Business and Investment Activities under the Credit Unions and Caisses Populaires Act, 2020
Pensions Active Commuted Value PE0247ORG Fully Insured Money Purchase Group Annuity
Pensions Active Family Law PE0100ORG Implications of Bill 14 Amendments on the Carrigan Decision
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 Rental Vehicles AU0064ORG Rental Vehicles and the Priority Rules
CU-CP Active Securitization CU0037ORG Securitization Guidance Note
Pensions Active Funding PE0242ORG Contribution Holidays for Plan Members; Employee - Contributions, Payroll Deductions
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
Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
Auto Active Regulation AU0016ORG Changes to Ontario Regulation 283/95: Disputes Between Insurers
Auto Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
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 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 PE0123ORG Electronic Communications Between Plan Administrators and Plan Beneficiaries
Pensions Active Filing - Pensions PE0022ORG Filing Information for Pension Plan Administrators
Auto Active Licensing - Auto AU0032ORG Amendments to the Statutory Accident Benefits Schedule, Service Provider Regulations, Administrative Penalties and Eligibility for Transportation Expenses
Pensions Active Funding PE0129ORG Determination of Interest Payments Where Solvency Special Payments Are Covered by Letters of Credit
Mortgage Active Application - Mortgage Brokering MB0022ORG Mortgage Brokerage Licence Application - Instructions for completing the application
Pensions Active Filing - Pensions PE0243ORG Filing Requirements and Procedure
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 PE0179ORG Payment of Benefits on Partial Wind Up
Pensions Active Administration - Pensions PE0077ORG Annual Statements of Members' Pension Benefits - Statement of Investment Policies and Procedures Content
CU-CP Active Resolution Planning CU0082INT Resolution Planning
Auto Active Regulation AU0019ORG Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers
Auto Active OPCF 47 AU0075ORG Understanding the operation of OPCF 47 - Optional Accident Benefits
Auto Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
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 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 PE0124ORG Searching for Plan Beneficiaries
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Auto Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
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
Pensions Active Family Law PE0225INT Administration of pension benefits upon marriage breakdown
Pensions Active Defined Contribution Plan PE0298INT Automatic Features in Defined Contribution Pension Plans
Mortgage Active Compliance - Mortgage Brokering MB0013ORG Compliance Checklist for Mortgage Brokerages, Brokers & Agents
Pensions Active Filing - Pensions PE0257ORG Actuarial Filing for Plan Amendments
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 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 PE0180ORG Natural Termination of a Pension Plan
Pensions Active Benefits PE0238ORG More Advantageous Pension Benefits or Ancillary Benefits Permitted
Pensions Active Plan Types PE0026ORG Regulation 177/11 made under the Pension Benefits Act - Questions & Answers - JSPPs
Pensions Active Administration - Pensions PE0078ORG Biennial Statements Required for Former and Retired Members
General Regulatory Active Administrative Monetary Penalties - General Regulatory GR0012APP Use of proceeds from enforcement under regulation “Money retained outside the consolidated revenue fund” Guidance
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 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