Technical Advisory Committee for Auto Insurance Fraud

Introduction

Fraud is a significant challenge for the auto insurance industry and drives up cost for consumers. In order to take action, FSRA has developed a Fraud & Abuse strategy, in consultation with the Ministry of Finance, industry and consumer representatives. The purpose of the strategy is for FSRA to quantify the fraud and abuse which contributes to the cost of insurance in Ontario, and to better detect, prevent and ultimately deter the prevalence of such fraud and abuse by various means.

This work will be multi-faceted and phased over time. The first step in this journey is to create a baseline and quantify the amount of fraud in the industry through the implementation of the Fraud Reporting Service (FRS). To enable this FSRA has proposed the FRS Rule and Guidance,[1] which will enable the first phase (subject to approval by the Minister of Finance).

Consumer centred mandate and scope

The TAC is a special purpose committee that will provide expert fraud advice to advance FSRA’s Auto Fraud & Abuse Strategy.

The TAC will:

  • share operational expertise and recommendations to assist FSRA with FRS implementation
  • review and inform FSRA’s communication and roll-out plan for FRS
  • provide technical fraud expertise and advice to FSRA throughout implementation
  • provide insights and advice to inform future phases in support of delivering Fraud & Abuse Strategy outcomes

The TAC’s advice and recommendations will be consistent with FSRA’s mandate and align with FSRA’s principles-based and outcomes-focused approach to regulation.

Advisory Committee membership

Nomination Process

Open call for members

Nomination process will be posted on www.fsrao.ca

Committee Size

8-10 members, excluding FSRA observers

FSRA may add or remove members at any time

Member Qualifications

Members of the Advisory Committee should be senior members of their respective organization or profession who can represent their organization on topics related to automobile insurance fraud.
 

In particular, FSRA is seeking members with subject matter and technical fraud expertise. Selection will prioritize experience in one or more of the following to ensure the required breadth of perspectives:

  • claims
  • underwriting
  • fraud investigation
  • financial crime
  • fraud data analytics

Other selection factors will include geography and size or type of organization.

Member Responsibilities

FSRA expects members to:

  • review background material in preparation for meetings
  • provide advice, proposals and feedback to FSRA
  • use best efforts to develop consensus
  • promote consensus positions within the broader stakeholder community
  • provide feedback to FSRA on the functioning of the committee

Meetings and time commitment

The TAC is expected to hold meetings on a quarterly basis, with the possibility of more frequent meetings as required. FSRA may also consider creating TAC subgroups made up of select members to advance work on priority issues. TAC meetings will be held with a preference for in person attendance.

FSRA will provide meeting agendas and related materials at least one week in advance of each regular meeting. FSRA will also prepare a summary of each meeting and distribute it, including any accompanying written submissions, to Advisory Committee members no later than three weeks following a meeting. FSRA also intends to publish meeting minutes and a high-level summary of the Advisory Committee’s work on FSRA’s website.

FSRA is expecting the TAC to complete its mandate on or before December 31, 2026. FSRA may extend the TAC’s term if required.

Confidentiality

Members of the TAC are expected to obtain assistance from co-workers and industry collaborators in the course of fulfilling their TAC responsibilities.[2]

Until the TAC’s mandate is complete, TAC members and those who assist them are required to maintain confidentiality (with the exception of information made public by FSRA).

Media inquiries / Public appearances

Members of the Committee are not authorized to engage with the media or conduct media interviews in their capacity as Committee members. If contacted by the media, Committee members must direct all inquiries to FSRA’s Sr. Manager, Media Relations, who will determine the appropriate spokesperson and/or response. Committee members do not represent FSRA publicly; their role is to provide confidential advice to FSRA management and the Board.

FSRA’s Sr. Manager, Media Relations, in consultation with the Chief Public Affairs Officer and the responsible EVP will determine the most appropriate spokesperson and/or response to any media inquiries or public speaking requests related to the Committee.

[1] On April 15, 2025, FSRA submitted its FRS Rule to the Minister of Finance for approval. If the Minister approves the Rule, it will take effect when the government proclaims the related changes to the Insurance Act into force. FSRA will work with industry stakeholders and the Ministry of Finance to ensure auto insurers have enough time to implement the changes before the Rule and Guidance take effect.
[2] The Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c.F.31, as amended, will generally apply to information provided to the TAC and to material prepared by or for the TAC.