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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Showing 1 to 100 of 359 entries
Sector Status Category Guidance Number Guidance Name
Auto Active Underwriting rules AU0004ORG Automobile insurance underwriting rules
Auto Active Garage Policy AU0005ORG Amendments to the Ontario Garage Automobile Policy
Auto Active Forms - Auto AU0008ORG Revised Ontario Garage Automobile Policy (O.A.P. 4) and Other Automobile Insurance Forms
Auto Active Forms - Auto AU0009ORG New and Revise Accident Benefit Claim forms
Auto Active Administrative Lapse AU0010ORG An Administrative Lapse or a Suspension of a Driver’s Licence
Auto Active Forms - Auto AU0011ORG Amendments to the Ontario Automobile Policy (OAP 1) and related forms
Auto Active Preferred Provider Networks AU0012ORG Best Practices for Preferred Provider Networks (PPNs)
Auto Active Forms - Auto AU0013ORG Amendments to the Ontario Garage Policy (O.A.P. 4) and Other Commercial Automobile Insurance Forms
Auto Active CAIA AU0014ORG Compulsory Automobile Insurance Act (CAIA) "Insurance Card"
Auto 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
Auto Active Regulation AU0016ORG Changes to Ontario Regulation 283/95: Disputes Between Insurers
Auto Active Forms - Auto AU0017ORG Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Policy and Related Forms
Auto Active Forms - Auto AU0018ORG Revised Accident Benefit Claims Forms and New Attendant Care Hourly Rate Guideline
Auto Active Regulation AU0019ORG Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers
Auto Active Forms - Auto AU0020ORG New and Revised Policy and Endorsement Forms
Auto Active Indexation AU0022ORG Optional Indexation Benefit Guideline
Auto Active Insurer Rights and Responsibilities AU0023ORG Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Auto Active Professional Services Guideline AU0027ORG Professional Services Guideline
Auto Active Minor Injury Guideline AU0028ORG Revised Minor Injury Guideline and Treatment and Assessment Plan (OCF-18)
Auto Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Auto Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Auto Active Professional Services Guideline AU0031ORG Updated Professional Services Guideline
Auto Active Licensing - Auto AU0032ORG Amendments to the Statutory Accident Benefits Schedule, Service Provider Regulations, Administrative Penalties and Eligibility for Transportation Expenses
Auto Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Auto Active Forms - Auto AU0035ORG Revised Certificate of Automobile Insurance Form and Data Elements
Auto Active Cost of Goods AU0036ORG Cost of Goods Guideline
Auto Active Payment Processing AU0038ORG Processing Direct Payments to Service Providers for "Listed Expenses"
Auto Active Forms - Auto AU0039ORG Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Application, Endorsement and Related Forms
Auto Active Forms - Auto AU0040ORG Implementing Automobile Insurance Reforms: Amendments to the Accident Benefit Claims Forms
Auto Active Forms - Auto AU0041ORG Amendments to Accident Benefit Forms - Application for Determination of Catastrophic Impairment (OCF-19) and Standard Benefit Statement
Auto Active Settlement AU0043ORG Amendments to the Settlement Disclosure Notice
Auto 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”
Auto Active Forms - Auto AU0048ORG Revised Auto Insurance Claim Forms: OCF-18, OCF-21 and OCF-23
Auto Active Expense Guideline AU0049ORG Revised Attendant Care Hourly Rate Guideline and Transportation Expense Guideline
Auto Active Attendant Hourly Rate AU0053ORG Superintendent’s Guideline No. 01/18: Attendant Care Hourly Rate Guideline
Auto Active Attendant Hourly Rate AU0054ORG Revised Attendant Care Hourly Rate Guideline and Clarification of Health Care Providers Subject to the Professional Services Guideline
Auto Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
Auto Active HCAI Guideline AU0056ORG Revised Health Claims for Auto Insurance (HCAI) Guideline – Including the Assessment of Attendant Care Needs Form (Form 1)
Auto Active Forms - Auto AU0058ORG Amendments to Three Ontario Automobile Policy Forms - OAP 1, OPF 2 and OAP 4
Auto Active Rules and Risk Classification AU0059ORG Automobile Insurance Underwriting Rules and Risk Classification Variables
Auto Active Motor Vehicle Liability Insurance Card AU0061ORG New background design for Motor Vehicle Liability insurance card
Auto Active Rental Vehicles AU0064ORG Rental Vehicles and the Priority Rules
Auto Active Residual Market AU0067ORG Facility Association amendment to eligibility rules in the residual market
Auto Active Lapse in Auto Insurance Coverage AU0069ORG Regulation on lapse in automobile insurance coverage
Auto Active Loss Transfer AU0073ORG Loss transfer
Auto Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
Auto Active OPCF 47 AU0075ORG Understanding the operation of OPCF 47 - Optional Accident Benefits
Auto Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Auto Active Fleets AU0077ORG FSCO's clarification about the exemption for fleets
Auto Active Fleets AU0078ORG Revised bulletin on the definition of "Fleet"
Auto Active Loss Transfer AU0079ORG Loss transfer revisited
Auto Active Liability Card AU0081ORG Motor Vehicle Liability Insurance Card (Canada/Inter-Province)
Auto Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Auto Active Filing - Auto AU0100ORG Private Passenger Automobile Filing Guidelines - Major
Auto Active Filing - Auto AU0101ORG Technical Notes for Automobile Insurance Rate and Risk Classification Filings
Auto Active Filing - Auto AU0106ORG Key Legislative Requirements and Overview of Filing Guidelines
Auto Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major
Auto Active Filing - Auto AU0108ORG Other than Private Passenger Automobile Filing Guidelines - Minor
Auto Active Filing - Auto AU0109ORG Filing Guidelines for Underwriting Rules
Auto Active Filing - Auto AU0110ORG Underwriting technical notes
Auto Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
Auto Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Auto Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Auto Active Arbitration AU0121ORG Private Arbitration Decisions
Auto Active SABS AU0124ORG 2019 Automobile Insurance Legislated and Regulatory Adjustments and Optional Indexation Rates Under the Statutory Accident Benefit Schedule
Auto Active Transportation Expense AU0125ORG Superintendent's Guideline No. 04/16: Transportation Expense Guideline
Auto Active Filing - Auto AU0126APP Standard Filing
Auto Active Assessments and Examinations AU0127INF Cost of Assessments and Examinations Guideline
Auto Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Auto Active Indexation AU0129DEC 2023 Automobile Insurance Indexation Amounts
Auto Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
Auto Active Consumer Protection - Auto AU0131INT Consumer Relief During A Declared Emergency under the Emergency Management and Civil Protection Act
Auto Active Loss Trend AU0132APP Loss Trend Benchmarks for Private Passenger Automobile Major Rate Filings
Auto Active SABS AU0133INT Statutory Accident Benefits Claims during the COVID-19 Outbreak
Auto Active Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Auto 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]
Auto Active Consumer Protection - Auto AU0136APP Reporting and resolution of rating and underwriting errors
Auto Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
Auto Active Forms - Auto AU0138APP Automobile insurance non standard forms, endorsements and certificates of insurance approval filing process
Auto Active Unfair or Deceptive Acts AU0139DEC Acquisitions Warranting Relief from Lowest Available Rate Requirement
Co-operative Active Offerings CC0001INT High-Risk Offerings issued under the Co-operative Corporations Act
CU-CP Active Lending CU0008ORG DEPOSIT INSURANCE CORPORATION OF ONTARIO By Law #5
CU-CP Active Reserves CU0011ORG By-Law #6
CU-CP Active ICAAP CU0033ORG Internal Capital Adequacy Assessment Process (ICAAP) – Credit Unions with Total Assets Greater than $500 Million
CU-CP Active Securitization CU0037ORG Securitization Guidance Note
CU-CP Active Structural CU0039ORG Structural Risk Guidance Note
CU-CP Active Lending CU0045ORG Lending Advisory #1 - Lending Limits and Creditor Insurance
CU-CP Active Risk Management CU0047ORG Operational Risk Advisory #1 - Outsourcing Servicing of Owned ATM's
CU-CP Active Lending CU0048ORG Lending Advisory #2 - Authorized Participants in Loan Syndications
CU-CP Active Risk Management CU0049ORG Operational Risk Advisory #2 - Potential Risks Associated with Providing Banking Services to Money Service Businesses (MSBs)
CU-CP Active Risk Management CU0051ORG Capital Risk Advisory #1 - Credit Union Shares Held as Security
CU-CP Active Risk Management CU0052ORG Market Risk Advisory #1 - Investment in Digital Currencies
CU-CP Active Risk Management CU0053ORG Market Risk Advisory #2 - Investment in a Pool of Individual Mortgages and Mortgage Pools
CU-CP Active Lending CU0056ORG Lending Advisory #3 - Authorized Syndicating (Lead) Credit Unions in a Loan Syndication
CU-CP Active Lending CU0062INT Capital Treatment of Loans under the Federal Government Business Credit Availability Program and Highly Affected Sectors Credit Availability Program Guarantee
CU-CP Active Lending CU0063INT Residential Mortgage Lending *New
CU-CP Active Liquidity CU0064INT Liquidity *New
CU-CP Active Stress testing CU0065INT Stress Testing *New
CU-CP Active Recovery Planning CU0069INT Recovery Planning