Consumer Advisory Panel Members

Sharon Altman-Leamen
Anish Chopra
Rhona DesRoches
Hitesh Doshi
Harold Geller
Laura Tamblyn Watts

FSRA Management and Presenters in Attendance

Mark White – CEO
Huston Loke – EVP, Market Conduct
Glen Padassery – EVP, Policy and Chief Consumer Officer
Stephen Power – EVP, Corporate Services
Jordan Solway – EVP, Legal & Enforcement
Judy Pfeifer – Chief Public Affairs Officer
Erica Hiemstra – Head, Market Conduct – Insurance Conduct
David Bartucci – Director, Policy – Pensions and Consumer Office (Acting)
Joel Gorlick – Director, Policy – Market Conduct
Jason Harris – Director, Policy & Rule Making and Deputy General Counsel – Legal & Enforcement
Ivy Ou – Director, Products and Expenses – Auto/Insurance Products
Daniel Padro – Director, Policy – Credit Union
Elissa Sinha – Director, Litigation and Enforcement and Deputy General Counsel – Legal & Enforcement
Stuart Wilkinson – Director, Policy – Auto/P&C
Chris Zolis – Director, Forensic Analysis and Investigations – Legal & Enforcement
Heather Kay – Senior Manager, Policy – Strategic Policy
Victoria Lesau – Senior Manager, Policy – Auto Reform


  • The Panel and FSRA’s discussion focused on FSRA’s proposed FY2022-23 Statement of Priorities.
  • The Panel and FSRA also discussed plans for the Panel’s third term, which is scheduled to start in early 2022.

Discussion Topics of Focus

Welcome and Meeting Overview

  • FSRA welcomed Panel members to the fifth official Consumer Advisory Panel meeting of the 2021 term.
  • FSRA provided a brief overview of the agenda for the meeting.

FSRA FY2022-23 Statement of Priorities (SOP)

  • FSRA provided an overview of the SOP process, including specific changes and improvements for FY2022-23.
  • FSRA offered an overview of the SOP, including cross-sectoral and sector-specific priorities.
  • The Panel and FSRA had a macro-level conversation about the SOP, which included:
    •  The duration of FSRA’s consultation periods and the impact on consumer input; and
    • Potential mechanisms for providing consumer advocates/stakeholders with support for their consumer-oriented efforts.

Fair Treatment of Consumers in Uses of Big Data Analytics in Auto Insurance

  • FSRA solicited the Panel’s input on FSRA’s draft Auto Insurance Data & Analytics Technical Advisory Committee Report (“BDA Fairness Report”).
  • The Panel raised questions and considerations for FSRA, including:
    • The relationship between big data and innovation; and
    • Consumers’ expectations regarding insurers’ data use and data sharing.

Consumer Representation in Regulatory Governance

  • FSRA provided a forum for the Panel to discuss the topic of consumer representation in regulatory governance.

Review of 2021 Term and Planning for 2022 Term

  • FSRA and the Panel discussed the upcoming Panel term, including
    • Member interest in continuing to serve on the Panel; and
    • FSRA’s plan to release a call for expressions of interest and consult on the Terms of Reference.
  • FSRA and the Panel discussed a number of topics, including the Panel’s mandate, scope, and potential opportunities for continuing to strengthen the model.
  • Overall, Panel members expressed satisfaction with the existing model.

Next steps

  • FSRA committed to following up with the Panel about next steps for the 2022 term.
  • The Panel’s next meeting is scheduled for December 8.