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
Guidance Documents Table
Showing 1 to 100 of 342 entries
Sector Status Category Guidance Number Sort descending Guidance Name
Auto Active Administrative Lapse AU0010ORG An Administrative Lapse or a Suspension of a Driver’s Licence
Auto Active Preferred Provider Networks AU0012ORG Best Practices for Preferred Provider Networks (PPNs)
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 Regulation AU0019ORG Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers
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 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 Cost of Goods AU0036ORG Cost of Goods Guideline
Auto Active Payment Processing AU0038ORG Processing Direct Payments to Service Providers for "Listed Expenses"
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 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 Rules and Risk Classification AU0059ORG Automobile Insurance Underwriting Rules and Risk Classification Variables
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 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 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 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 2024 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 Ontario private passenger automobile annual review based on industry data
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 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
CU-CP Active Framework CU0070INT Market Conduct Framework Guidance 
CU-CP Active ICAAP CU0071ORG ICAAP Submission Template - Summary Key Metrics Report
CU-CP Active Liquidity CU0073ORG Liquidity Coverage Ratio (LRC) Template 2021
CU-CP Active Liquidity CU0074ORG Net Cumulative Cash Flow Report (NCCF) Template 2021 
CU-CP Active Liquidity CU0075ORG Net Stable Funding Ratio (NSFR) Template 2021
CU-CP Active Securitization CU0079ORG Application Guide: Securitization
CU-CP Active Securitization CU0080ORG Securitization Reporting Template
CU-CP Active Advertising CU0081ORG Decal Installation Guide
CU-CP Active Resolution Planning CU0082INT Resolution Planning
CU-CP Active Supervisory Framework CU0083APP Risk Based Supervisory Framework (FSRA RBSF)
CU-CP Active ICAAP CU0084ORG Application Guide: Internal Capital Adequacy Assessment Process (ICAAP) for More Complex Credit Unions
CU-CP Active Application - CU-CP CU0085APP Approval or Authorization of Business and Investment Activities under the Credit Unions and Caisses Populaires Act, 2020
CU-CP Active ICAAP CU0086ORG Implementation of ICAAP and Stress Testing for Credit Unions -with assets in excess of $500 million
CU-CP Active Risk Management CU0088APP Operational Risk and Resilience
CU-CP Active Lending CU0089INT Commercial lending Guidance
FP/FA Active Application - FP/FA FP0001APP Financial Professionals Title Protection – Administration of Applications
FP/FA Active Supervisory Framework FP0002APP Financial Professionals Title Protection – Supervisory Framework
General Regulatory Active Consumer Protection - General Regulatory GR0008APP Fair Treatment of Customers in Insurance
General Regulatory Active Service Standards - General Regulatory GR0009APP FSRA Service Standards
General Regulatory Active Innovation GR0010APP Test and Learn Environments (TLEs) for Financial Services Innovation
General Regulatory Active Administrative Monetary Penalties - Insurance GR0011APP Transparent Communication of FSRA Enforcement Action
General Regulatory Active Administrative Monetary Penalties - General Regulatory GR0012APP Use of proceeds from enforcement under regulation “Money retained outside the consolidated revenue fund” Guidance
General Regulatory Active Administrative Monetary Penalties - General Regulatory GR0013APP Enforcement: General Administrative Monetary Penalties Guidance
General Regulatory Active Whistle-blower GR0015APP Whistle-blower Guidance