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 101 to 200 of 342 entries
Sector Status Category Guidance Number Guidance Name
Pensions Active Investments - Pensions PE0147ORG Overview of Statements of Investments Policies and Procedures (SIPP) Requirements
Pensions Active Wind up PE0021ORG Overpayments and Plan Wind Up - FAQs
Auto Active Filing - Auto AU0108ORG Other than Private Passenger Automobile Filing Guidelines - Minor
Auto Active Filing - Auto AU0107ORG Other than Private Passenger Automobile Filing Guidelines - Major
Auto Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
Pensions Active Wind up PE0283ORG Original and Successor Pension Plans - Section 81 Does Not Preclude Wind Up of Original Plan
Pensions Active Spousal Rights PE0209ORG Options to Spouse on Marriage Breakdown
Auto Active Indexation AU0022ORG Optional Indexation Benefit Guideline
Pensions Active Administration - Pensions PE0084ORG Opting out of the new grow-in provisions by JSPPs and MEPPs
Auto Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
CU-CP Active Risk Management CU0088APP Operational Risk and Resilience
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 CU0047ORG Operational Risk Advisory #1 - Outsourcing Servicing of Owned ATM's
Auto Active Loss Trend AU0132APP Ontario private passenger automobile annual review based on industry data
Pensions Active Miscellaneous PE0291ORG Nortel Ontario Beneficiary Direction, Consent & Waiver
Auto Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Pensions Active Commuted Value PE0171ORG No Transfers Outside Canada
Pensions Active Membership PE0219ORG No Transfer Rights on Suspension of Plan Membership
Pensions Active Funding PE0138ORG No Provision to Amortize Negative Solvency Balance
Pensions Active Commuted Value PE0170ORG No Obligation For Other Plans To Accept Transfer
Pensions Active Wind up PE0676ORG New Requirements for Grow-In, Opting Out of Grow-In and Partial Wind Up
Auto Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Pensions Active Information and Statements PE0287ORG New Provisions Related to the Disclosure of Records
Auto Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Mortgage Active Licensing - Mortgage Brokering MB0047INT New mortgage agent and broker licensing requirements
Pensions Active Administration - Pensions PE0085ORG New Definitions for "Retired Member" and "Former Member"
CU-CP Active Liquidity CU0075ORG Net Stable Funding Ratio (NSFR) Template 2021
CU-CP Active Liquidity CU0074ORG Net Cumulative Cash Flow Report (NCCF) Template 2021 
Insurance Active Negative Option PC0018ORG Negative Option Marketing/Billing
Pensions Active Wind up PE0180ORG Natural Termination of a Pension Plan
Mortgage Active Application - Mortgage Brokering MB0022ORG Mortgage Brokerage Licence Application - Instructions for completing the application
Mortgage Active Non-Qualified Syndicated Mortgages MB0043INF Mortgage Brokerage Disclosure and Suitability Assessments for Non-Qualified Syndicated Mortgage Investments (SMIs) – Responses to Market Disruptions (for Transactions on or after July 1, 2021)
Mortgage Active Non-Qualified Syndicated Mortgages MB0040INT Mortgage Brokerage Disclosure and Suitability Assessments for Non-Qualified Syndicated Mortgage Investments (SMIs) – Responses to Market Disruptions
Mortgage Active Cybersecurity MB0048INF Mortgage Broker Regulators' Council of Canada Principles for Cybersecurity Preparedness for the Mortgage Brokering Sector
Mortgage Active Code of Conduct MB0042APP Mortgage Broker Regulators' Council of Canada Code of Conduct for the Mortgage Brokering Sector.
Mortgage Active Education MB0026ORG Mortgage Broker and Mortgage Agent Education
Mortgage Active Reporting - Mortgage Brokering MB0052INT Mortgage Administrators’ Financial Filing Requirements
Mortgage Active Syndicated Mortgage Investments MB0039INT Mortgage Administrators – Responses to Market Disruptions
Mortgage Active Application - Mortgage Brokering MB0021ORG Mortgage Administrator Licence Application - Instructions for completing the application
Pensions Active Annuities PE0229ORG Mortality Tables and Sex Discrimination
Pensions Active Benefits PE0238ORG More Advantageous Pension Benefits or Ancillary Benefits Permitted
Auto Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Pensions Active Administration - Pensions PE0203INF Missing Members Principles and Practices
Auto Active Minor Injury Guideline AU0026ORG Minor Injury Guideline
Pensions Active Information and Statements PE0255ORG Members’ Annual Statements and Termination Statements
Pensions Active Information and Statements PE0254ORG Member's Right to Information, Annual Statements, Termination Statements, Notices, PBA 1990, s. 25-30, 42, O. Reg. 909 s. 28, 39-46 Effective When Published
Pensions Active Spousal Rights PE0207ORG Marriage Breakdown and Pension Credits
CU-CP Active Framework CU0070INT Market Conduct Framework Guidance 
CU-CP Active Risk Management CU0053ORG Market Risk Advisory #2 - Investment in a Pool of Individual Mortgages and Mortgage Pools
CU-CP Active Risk Management CU0052ORG Market Risk Advisory #1 - Investment in Digital Currencies
Pensions Active Membership PE0157ORG Mandatory versus Optional Membership in a Pension Plan
Pensions Active Administration - Pensions PE0120ORG Management and Retention of Pension Plan Records by the Administrator
Auto Active Loss Transfer AU0076ORG Loss transfer: standardized forms and procedures
Pensions Active Locked-in Accounts PE0149ORG Locked-In Retirement Accounts (LIRAs)
CU-CP Active Liquidity CU0064INT Liquidity *New
CU-CP Active Liquidity CU0073ORG Liquidity Coverage Ratio (LRC) Template 2021
Pensions Active Commuted Value PE0202APP Limitations on Commuted Value Transfers and Annuity Purchases (DB Pension Plans)
Pensions Active Locked-in Accounts PE0196INF Life Income Fund (LIF) and Locked-In Retirement Income Fund (LRIF) Maximum Annual Income Payment Amount Table
Insurance Active Reporting - Insurance PC0043INT Life agent reporting requirements and related insurer obligations
Mortgage Active Licensing - Mortgage Brokering MB0032ORG Licensing FAQ
Mortgage Active Licensing - Mortgage Brokering MB0046INT Licensing exemption for Permitted Clients that are not Individuals
Pensions Active Funding PE0011ORG Letters of Credit
CU-CP Active Lending CU0056ORG Lending Advisory #3 - Authorized Syndicating (Lead) Credit Unions in a Loan Syndication
CU-CP Active Lending CU0048ORG Lending Advisory #2 - Authorized Participants in Loan Syndications
CU-CP Active Lending CU0045ORG Lending Advisory #1 - Lending Limits and Creditor Insurance
Pensions Active Miscellaneous PE0083ORG Legislative Changes July 1, 2012
Auto Active Insurance Provider Payments AU0033ORG Late Payments From Insurers to Licensed Service Providers
Pensions Active Miscellaneous PE0042ORG Know the facts about your registered pension plan
Pensions Active Benefits PE0275ORG Joint and Survivor Pension Waived
Pensions Active Spousal Rights PE0274ORG Joint and Survivor Pension or Annuity – Entitlement, Waiver and Cancellation
Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
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]
CU-CP Active ICAAP CU0033ORG Internal Capital Adequacy Assessment Process (ICAAP) – Credit Unions with Total Assets Greater than $500 Million
Auto Active Insurer Rights and Responsibilities AU0023ORG Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims
Pensions Active Administration - Pensions PE0244ORG Inquiries to FSCO by the Administrator
Auto Active Innovation AU0130APP Innovative Auto Insurance Products-Subscriptions (“IAIP-S”)
General Regulatory Active Risk Management GR0016INT Information Technology (“IT”) risk management
Pensions Active Plan Types PE0107ORG Individual Pension Plans (IPPs)
Pensions Active Plan Types PE0081ORG Individual Pension Plans
Pensions Active Benefits PE0239ORG Indexing
Pensions Active Family Law PE0100ORG Implications of Bill 14 Amendments on the Carrigan Decision
Auto Active Bill 59 AU0074ORG Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers
CU-CP Active ICAAP CU0086ORG Implementation of ICAAP and Stress Testing for Credit Unions -with assets in excess of $500 million
Pensions Active Benefits PE0289ORG Immediate Vesting
CU-CP Active ICAAP CU0071ORG ICAAP Submission Template - Summary Key Metrics Report
Insurance Active LLQP PC0026ORG How to Submit Feedback on the Life Licence Qualification Program (LLQP)
Co-operative Active Offerings CC0001INT High-Risk Offerings issued under the Co-operative Corporations Act
Pensions Active Family Law PE0052ORG Heringer v. Heringer - Ontario Superior Court of Justice decision on the payment of interest on a specified amount representing the former spouseÆs share of the Family Law Value
Auto Active HCAI Guideline AU0115ORG Health Claims for Auto Insurance (HCAI)
Auto Active Health Care AU0055ORG Health Care for Auto Insurance Guideline
Auto Active Hospitals AU0134INT Guideline on Public Hospitals and Determination of Catastrophic Impairment
Pensions Active Wind up PE0181ORG Guideline for Notice of Full or Partial Wind Up of Pension Plan
Insurance Active Guideline PC0019ORG Guideline - Use of Canadian Depository for Securities Limited
Pensions Active Filing - Pensions PE0126ORG General Information Regarding Annual Information Returns
Pensions Active Benefits PE0236ORG Garnishment of Pensions In Pay
Auto Active Forms - Auto AU0113ORG Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms
Pensions Active Funding PE0136ORG Funding Requirements for Designated Plans in Ontario, O.Reg 73/95 Effective When Published
Pensions Active Funding PE0012ORG Funding and Actuarial Filing Requirements For Plan Improvements under the New Funding Regime
Pensions Active Commuted Value PE0247ORG Fully Insured Money Purchase Group Annuity
Pensions Active Wind up PE0288ORG Full and Partial Wind Ups - Frequently Asked Questions