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.


  • To find inactive guidance select “inactive from the “Status” filter.
  • For information on inactive / Inherited guidance, follow this link Inherited Guidance
Showing 1 to 68 of 68 entries
Status Category Sort descending Guidance Number Guidance Name
Active Administrative Lapse AU0010ORG An Administrative Lapse or a Suspension of a Driver’s Licence
Active Administrative Monetary Penalties - General Regulatory GR0013APP Enforcement: General Administrative Monetary Penalties Guidance
Active Administrative Monetary Penalties - General Regulatory GR0012APP Use of proceeds from enforcement under regulation “Money retained outside the consolidated revenue fund” Guidance
Active Administrative Monetary Penalties - Insurance GR0011APP Transparent Communication of FSRA Enforcement Action
Active Arbitration AU0121ORG Private Arbitration Decisions
Active Assessments and Examinations AU0127INF Cost of Assessments and Examinations Guideline
Active Attendant Hourly Rate AU0053ORG Superintendent’s Guideline No. 01/18: Attendant Care Hourly Rate Guideline
Active Attendant Hourly Rate AU0054ORG Revised Attendant Care Hourly Rate Guideline and Clarification of Health Care Providers Subject to the Professional Services Guideline
Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
Active CAIA AU0014ORG Compulsory Automobile Insurance Act (CAIA) "Insurance Card"
Active Consumer Protection - Auto AU0136APP Reporting and resolution of rating and underwriting errors
Active Consumer Protection - Auto AU0131INT Consumer Relief During A Declared Emergency under the Emergency Management and Civil Protection Act
Active Consumer Protection - General Regulatory GR0008APP Fair Treatment of Customers in Insurance
Active Cost of Goods AU0036ORG Cost of Goods Guideline
Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Active Expense Guideline AU0049ORG Revised Attendant Care Hourly Rate Guideline and Transportation Expense Guideline
Active Filing - Auto AU0100ORG Private Passenger Automobile Filing Guidelines - Major
Active Filing - Auto AU0101ORG Technical Notes for Automobile Insurance Rate and Risk Classification Filings
Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major
Active Filing - Auto AU0108ORG Other than Private Passenger Automobile Filing Guidelines - Minor
Active Filing - Auto AU0109ORG Filing Guidelines for Underwriting Rules
Active Filing - Auto AU0110ORG Underwriting technical notes
Active Filing - Auto AU0126APP Standard Filing
Active Fleets AU0078ORG Revised bulletin on the definition of "Fleet"
Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Active Forms - Auto AU0138APP Automobile insurance non standard forms, endorsements and certificates of insurance approval filing process
Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
Active Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Active Indexation AU0129DEC 2024 Automobile Insurance Indexation Amounts
Active Indexation AU0015ORG 2009 Indexation Percentage under Bill 59/198, 2009 Indexation Percentage and Revised Deductibles/Monetary Amounts under Bill 164, and Changes to the Conservative Mennonite Automobile Brotherhood Assistance Plan Exemption Identification Card
Active Indexation AU0022ORG Optional Indexation Benefit Guideline
Active Innovation GR0018DEC Affiliated insurers carrying on business as a common undertaking pursuant to s. 392.2(8) of the Insurance Act
Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
Active Innovation GR0010APP Test and Learn Environments (TLEs) for Financial Services Innovation
Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Active Insurer Rights and Responsibilities AU0023ORG Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims
Active Lapse in Auto Insurance Coverage AU0069ORG Regulation on lapse in automobile insurance coverage
Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Active Licensing - Auto AU0032ORG Amendments to the Statutory Accident Benefits Schedule, Service Provider Regulations, Administrative Penalties and Eligibility for Transportation Expenses
Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Active Loss Trend AU0132APP Ontario private passenger automobile annual review based on industry data
Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Active OPCF 47 AU0075ORG Understanding the operation of OPCF 47 - Optional Accident Benefits
Active Payment Processing AU0038ORG Processing Direct Payments to Service Providers for "Listed Expenses"
Active Preferred Provider Networks AU0012ORG Best Practices for Preferred Provider Networks (PPNs)
Active Professional Services Guideline AU0027ORG Professional Services Guideline
Active Professional Services Guideline AU0031ORG Updated Professional Services Guideline
Active Regulation AU0016ORG Changes to Ontario Regulation 283/95: Disputes Between Insurers
Active Regulation AU0019ORG Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers
Active Rental Vehicles AU0064ORG Rental Vehicles and the Priority Rules
Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
Active Retirement PC0048INT Understanding Decumulation Products
Active Ridesharing AU0047ORG Private Vehicles for Hire - Ridesharing: Fleet Insurance Policy (Intact/Uber), Approval of an Electronic Insurance Card for Ridesharing, and Amendments to the Definition of “Fleet”
Active Risk Management GR0016INT Information Technology (“IT”) risk management
Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
Active Rules and Risk Classification AU0059ORG Automobile Insurance Underwriting Rules and Risk Classification Variables
Active SABS AU0133INT Statutory Accident Benefits Claims during the COVID-19 Outbreak
Active SABS AU0124ORG 2019 Automobile Insurance Legislated and Regulatory Adjustments and Optional Indexation Rates Under the Statutory Accident Benefit Schedule
Active Service Standards - General Regulatory GR0009APP FSRA Service Standards
Active Transportation Expense AU0125ORG Superintendent's Guideline No. 04/16: Transportation Expense Guideline
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]
Active Unfair or Deceptive Acts AU0139DEC Acquisitions Warranting Relief from Lowest Available Rate Requirement
Active Whistle-blower GR0015APP Whistle-blower Guidance