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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Inherited Guidance
Showing 1 to 100 of 157 entries
Status Category Guidance Number Guidance Name
Active Retirement PC0048INT Understanding Decumulation Products
Active Innovation GR0018DEC Affiliated insurers carrying on business as a common undertaking pursuant to s. 392.2(8) of the Insurance Act
Active Supervisory Approach GR0017APP Public warning notices Guidance
Active Risk Management GR0016INT Information Technology (“IT”) risk management
Active Whistle-blower GR0015APP Whistle-blower Guidance
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 Innovation GR0010APP Test and Learn Environments (TLEs) for Financial Services Innovation
Active Service Standards - General Regulatory GR0009APP FSRA Service Standards
Active Consumer Protection - General Regulatory GR0008APP Fair Treatment of Customers in Insurance
Inactive Advisory Board GR0007ORG Advisory Board
Inactive Hearing Procedures GR0006ORG Rules of Practice and Procedure for Hearings Before the Superintendent of Financial Services
Inactive Filing - General Regulatory GR0005ORG Superintendent's Electronic Service & Delivery and Filing Rules
Inactive Filing - General Regulatory GR0004ORG Rule #2 - Mandatory Electronic Filings Rule
Inactive Filing - General Regulatory GR0003ORG Rule #1 - Electronic Service and Delivery Rule
Inactive Consumer Protection - General Regulatory GR0002ORG Treating Financial Services Consumers Fairly Guideline
Inactive Consumer Protection - General Regulatory GR0001ORG Treating Financial Services Consumers Fairly Guideline: Frequently Asked Questions
Active Unfair or Deceptive Acts AU0139DEC Acquisitions Warranting Relief from Lowest Available Rate Requirement
Active Forms - Auto AU0138APP Automobile insurance non standard forms, endorsements and certificates of insurance approval filing process
Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
Active Consumer Protection - Auto AU0136APP Reporting and resolution of rating and underwriting errors
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 Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Active SABS AU0133INT Statutory Accident Benefits Claims during the COVID-19 Outbreak
Active Loss Trend AU0132APP Ontario private passenger automobile annual review based on industry data
Active Consumer Protection - Auto AU0131INT Consumer Relief During A Declared Emergency under the Emergency Management and Civil Protection Act
Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
Active Indexation AU0129DEC 2024 Automobile Insurance Indexation Amounts
Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Active Assessments and Examinations AU0127INF Cost of Assessments and Examinations Guideline
Active Filing - Auto AU0126APP Standard Filing
Active Transportation Expense AU0125ORG Superintendent's Guideline No. 04/16: Transportation Expense Guideline
Active SABS AU0124ORG 2019 Automobile Insurance Legislated and Regulatory Adjustments and Optional Indexation Rates Under the Statutory Accident Benefit Schedule
Inactive SABS AU0123ORG Superintendent's and Commissioner's Guidelines - Auto Insurance SABS
Inactive Rate Approvals AU0122ORG Auto Quarterly Rate Approvals
Active Arbitration AU0121ORG Private Arbitration Decisions
Inactive Fraud & Abuse Reduction AU0120ORG Fighting Auto Insurance Fraud: What You Can Do
Inactive Auto Insurance General AU0119ORG Link to Auto Insurance Page
Inactive MVACF AU0118ORG Apply to the Motor Vehicle Accident Claims Fund
Inactive MVACF AU0117ORG Apply to the Motor Vehicle Accident Claims Fund
Inactive Fraud & Abuse Reduction AU0116ORG Auto Insurance Fraud Hotline
Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Inactive Forms - Auto AU0114ORG Auto Insurance Claims Forms (OCF Forms)
Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Inactive Forms - Auto AU0112ORG Automobile Insurance Policy (O.A.P. 1), Application and Endorsement Forms
Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
Active Filing - Auto AU0110ORG Underwriting technical notes
Active Filing - Auto AU0109ORG Filing Guidelines for Underwriting Rules
Active Filing - Auto AU0108ORG Other than Private Passenger Automobile Filing Guidelines - Minor
Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major
Inactive Filing - Auto AU0106ORG Key Legislative Requirements and Overview of Filing Guidelines
Inactive Filing - Auto AU0105ORG Automobile Insurance forms filings
Inactive Filing - Auto AU0104ORG Automobile Insurance endorsements guidelines
Inactive Filing - Auto AU0103ORG List of guidelines
Inactive Underwriting rules AU0102ORG Underwriting appendix
Active Filing - Auto AU0101ORG Technical Notes for Automobile Insurance Rate and Risk Classification Filings
Active Filing - Auto AU0100ORG Private Passenger Automobile Filing Guidelines - Major
Inactive Certificate AU0099ORG CERTIFICATE OF THE OFFICER/DESIGNATE
Inactive Certificate AU0098ORG CERTIFICATE OF THE ACTUARY: Appendix B2
Inactive Certificate AU0097ORG CERTIFICATE OF THE OFFICER/DESIGNATE: Appendix B1
Inactive Certificate AU0096ORG CERTIFICATE OF AN OFFICIAL: Appendix B
Inactive Certificate AU0095ORG CERTIFICATE OF AN OFFICIAL: Appendix E
Inactive Loss Transfer AU0094ORG Analysis of Reform Cost and Loss Trend Rates for Ontario Private Passenger Automobile Insurance
Inactive Consumer Protection - Auto AU0093ORG Auto Insurance Consumer Resources
Inactive Consumer Protection - Auto AU0092ORG Staged Auto Accidents: Protect Yourself from this Fraud
Inactive Consumer Protection - Auto AU0091ORG How to Save on Auto Insurance
Inactive Consumer Protection - Auto AU0090ORG Tips for Avoiding Tow Truck and Storage Scams
Inactive Consumer Protection - Auto AU0089ORG Don't Get Scammed Buying Auto Insurance
Inactive Rental Vehicles AU0088ORG Protecting Yourself When Renting an Automobile
Inactive Consumer Education AU0087ORG Understanding Insurance for Motorcycles, Snowmobiles, and Other Motorized Vehicles
Inactive Claims Process AU0086ORG After an Auto Accident: Understanding the Claims Process
Inactive Bill of Rights AU0085ORG Auto Insurance Consumers' Bill of Rights
Inactive Consumer Education AU0084ORG Understanding Automobile Insurance
Inactive Brochure AU0083ORG What to do After an Auto Accident
Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Inactive Liability Card AU0081ORG Motor Vehicle Liability Insurance Card (Canada/Inter-Province)
Inactive Forms - Auto AU0080ORG Revised OEF 4a, 5 and 5c
Inactive Loss Transfer AU0079ORG Loss transfer revisited
Active Fleets AU0078ORG Revised bulletin on the definition of "Fleet"
Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Active OPCF 47 AU0075ORG Understanding the operation of OPCF 47 - Optional Accident Benefits
Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
Inactive Loss Transfer AU0073ORG Loss transfer
Inactive Volunteer Drivers AU0072ORG Coverage and rating for volunteer drivers
Inactive Bill 59 AU0071ORG Implementing Bill 59: consumer brochures, SABS, and new/revised forms
Inactive Forms - Auto AU0070ORG Amendments to the Ontario Garage Automobile Policy (OAP 4) and related forms, and amendments to the Ontario Automobile Policy (OAP 1) and related forms
Active Lapse in Auto Insurance Coverage AU0069ORG Regulation on lapse in automobile insurance coverage
Inactive Forms - Auto AU0068ORG Third set of policy change forms
Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
Inactive Forms - Auto AU0066ORG French Automobile Insurance Forms
Inactive Endorsement AU0065ORG Complete set of endorsements attached to O.P.F. 1 (Owner's Policy)
Active Rental Vehicles AU0064ORG Rental Vehicles and the Priority Rules
Inactive Rate Filing AU0063ORG FOIPOP and Rate Filings
Inactive Forms - Auto AU0062ORG Second set of plain-language policy change forms
Inactive Motor Vehicle Liability Insurance Card AU0061ORG New background design for Motor Vehicle Liability insurance card
Inactive SABS AU0060ORG Regulation on Endorsement for Optional Benefits in the SABS
Active Rules and Risk Classification AU0059ORG Automobile Insurance Underwriting Rules and Risk Classification Variables
Inactive Forms - Auto AU0058ORG Amendments to Three Ontario Automobile Policy Forms - OAP 1, OPF 2 and OAP 4