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
How to search for guidance Guidance Framework Inherited Guidance
Guidance Documents Table
Download all guidance (.csv file)
Showing 101 to 200 of 343 entries
Sector Status Category Guidance Number Guidance Name
Cross Sector, Auto Insurance, Life and Health Insurance, Property and Casualty and General Insurance Active Complaints GR0013INF Complaints Resolution: Policy Framework and Best Practices
Cross Sector, Insurance Prudential, Auto Insurance, Co-operative Corporations, Credit Unions and Caisses Populaires, Financial Planners and Financial Advisors, Health Service Providers, Life and Health Insurance, Loan and Trust, Mortgage Brokering, Pensions, Property and Casualty and General Insurance Active Supervisory Approach GR0014APP Principles-based Regulation
Cross Sector, Insurance Prudential, Auto Insurance, Co-operative Corporations, Credit Unions and Caisses Populaires, Financial Planners and Financial Advisors, Health Service Providers, Life and Health Insurance, Loan and Trust, Mortgage Brokering, Pensions, Property and Casualty and General Insurance Active Whistle-blower GR0015APP Whistle-blower Guidance
Cross Sector, Insurance Prudential, Auto Insurance, Co-operative Corporations, Credit Unions and Caisses Populaires, Financial Planners and Financial Advisors, Health Service Providers, Life and Health Insurance, Loan and Trust, Mortgage Brokering, Pensions, Property and Casualty and General Insurance Active Risk Management GR0016INT Information Technology (“IT”) risk management
Cross Sector Active Supervisory Approach GR0017APP Public warning notices Guidance
Insurance Prudential, Auto Insurance, Life and Health Insurance, Property and Casualty and General Insurance Active Innovation GR0018DEC Affiliated insurers carrying on business as a common undertaking pursuant to s. 392.2(8) of the Insurance Act
Cross Sector, Insurance Prudential, Auto Insurance, Co-operative Corporations, Credit Unions and Caisses Populaires, Financial Planners and Financial Advisors, Health Service Providers, Life and Health Insurance, Loan and Trust, Mortgage Brokering, Pensions, Property and Casualty and General Insurance Active Framework GR0020INF FSRA’s Vulnerability Framework
Mortgage Brokering Active Mortgage Administrator Checklist MB0011ORG Compliance Checklist for Mortgage Administrators
Mortgage Brokering Active Brokerage Checklist MB0012ORG Compliance Checklist for Managing the Mortgage Brokerage
Mortgage Brokering Active Compliance - Mortgage Brokering MB0013ORG Compliance Checklist for Mortgage Brokerages, Brokers & Agents
Mortgage Brokering Active Compliance - Mortgage Brokering MB0014ORG Compliance Checklist for Managing the Mortgage Administrator, Keeping Records and Trust Accounts
Mortgage Brokering Active Application - Mortgage Brokering MB0021ORG Mortgage Administrator Licence Application - Instructions for completing the application
Mortgage Brokering Active Application - Mortgage Brokering MB0022ORG Mortgage Brokerage Licence Application - Instructions for completing the application
Mortgage Brokering Active Education MB0026ORG Mortgage Broker and Mortgage Agent Education
Mortgage Brokering Active Licensing - Mortgage Brokering MB0032ORG Licensing FAQ
Mortgage Brokering Active Syndicated Mortgage Investments MB0037APP Supervision Approach for High-risk Syndicated Mortgage Investments
Mortgage Brokering Active Forms - Mortgage Brokering MB0038INT Amended Disclosure Forms 3.0, 3.1 and 3.2 for Non-Qualified Syndicated Mortgages (for Transactions prior to July 1, 2021)
Mortgage Brokering Active Syndicated Mortgage Investments MB0039INT Mortgage Administrators – Responses to Market Disruptions
Mortgage Brokering Active Non-Qualified Syndicated Mortgages MB0040INT Mortgage Brokerage Disclosure and Suitability Assessments for Non-Qualified Syndicated Mortgage Investments (NQSMIs) – Responses to Market Disruptions (for Transactions prior to July 1, 2021)
Mortgage Brokering Active Non-Qualified Syndicated Mortgages MB0041APP Transfer of retail non-qualified syndicated mortgage investments (NQSMIs) (excludes transactions with Permitted Clients) to the Ontario Securities Commission (OSC) (transfer effective July 1, 2021)
Mortgage Brokering Active Code of Conduct MB0042APP Mortgage Broker Regulators' Council of Canada Code of Conduct for the Mortgage Brokering Sector.
Mortgage Brokering Active Non-Qualified Syndicated Mortgages MB0043INF Mortgage Brokerage Disclosure and Suitability Assessments for Non-Qualified Syndicated Mortgage Investments (NQSMIs) – Responses to Market Disruptions (for Transactions on or after July 1, 2021)
Mortgage Brokering Active Mortgage Fraud MB0044INT Detecting and Preventing Mortgage Fraud
Mortgage Brokering Active Licensing - Mortgage Brokering MB0045APP Accreditation of Licensing Courses for the Mortgage Brokering Sector
Mortgage Brokering Active Licensing - Mortgage Brokering MB0046INT Licensing exemption for Permitted Clients that are not Individuals
Mortgage Brokering Active Licensing - Mortgage Brokering MB0047INT New mortgage agent and broker licensing requirements
Mortgage Brokering Active Cybersecurity MB0048INF Mortgage Broker Regulators' Council of Canada Principles for Cybersecurity Preparedness for the Mortgage Brokering Sector
Mortgage Brokering Active Licensing - Mortgage Brokering MB0051INT Mortgage agent and mortgage broker licensing suitability
Mortgage Brokering Active Reporting - Mortgage Brokering MB0052INT Mortgage Administrators’ Financial Filing Requirements
Mortgage Brokering Active Guideline MB0053INT Mortgage Brokerage and Principal Broker responsibilities to ensure compliance and fair consumer outcomes
Mortgage Brokering Active Compliance - Mortgage Brokering MB0054INT Mortgage Product Suitability Assessment
Insurance Prudential, Property and Casualty and General Insurance Active Investments - Insurance PC0014ORG Investments by Insurers Guideline
Life and Health Insurance Active Charitable PC0017ORG Charitable or Gift Annuities
Insurance Prudential, Auto Insurance, Life and Health Insurance, Property and Casualty and General Insurance Active Negative Option PC0018ORG Negative Option Marketing/Billing
Insurance Prudential, Property and Casualty and General Insurance Active Guideline PC0019ORG Guideline - Use of Canadian Depository for Securities Limited
Insurance Prudential, Auto Insurance, Property and Casualty and General Insurance Active Guideline PC0020ORG Reinsurance guidelines for Ontario incorporated and licensed companies
Insurance Prudential, Auto Insurance Active Amalgamations and Portfolio Transfers PC0021ORG Amalgamations and Portfolio Transfers
Life and Health Insurance Active Reporting - Insurance PC0043INT Life agent reporting requirements and related insurer obligations
Insurance Prudential, Life and Health Insurance Active Insurance Prudential PC0045APP Risk Based Supervisory Framework for Ontario-incorporated Insurance Companies and Reciprocals
Insurance Prudential, Life and Health Insurance Active Capital Testing PC0047INT Updated Minimum Capital Test Guideline for P&C Insurance Companies and Reciprocals
Life and Health Insurance, Pensions Active Retirement PC0048INT Understanding Decumulation Products
Pensions Active Funding PE0002ORG 2018 Funding Reform for Defined Benefit Pension Plans
Pensions Active Funding PE0006ORG The Determination of Whether a Plan is a Closed Plan
Pensions Active Funding PE0007ORG Treatment of Excess Contributions
Pensions Active Annuities PE0008ORG Frequently Asked Questions pertaining to Annuity Purchase and Discharge
Pensions Active Funding PE0009ORG Frequently Asked Questions Pertaining to the 2018 Funding Reform for Defined Benefit Pension Plans
Pensions Active Funding PE0010ORG Questions and Answers on Letters of Credit
Pensions Active Funding PE0011ORG Letters of Credit
Pensions Active Funding PE0012ORG Funding and Actuarial Filing Requirements For Plan Improvements under the New Funding Regime
Pensions Active Amendments PE0018ORG Effective Date of a Plan Amendment that Reduces Benefits - Questions and Answers
Pensions Active Wind up PE0021ORG Overpayments and Plan Wind Up - FAQs
Pensions Active Filing - Pensions PE0022ORG Filing Information for Pension Plan Administrators
Pensions Active Plan Types PE0026ORG Regulation 177/11 made under the Pension Benefits Act - Questions & Answers - JSPPs
Pensions Active Miscellaneous PE0039ORG Don't let pension information be a mystery
Pensions Active Locked-in Accounts PE0040ORG A Guide to Applying for Special Access
Pensions Active Miscellaneous PE0041ORG Consumer Brochures
Pensions Active Miscellaneous PE0042ORG Know the facts about your registered pension plan
Pensions Active Filing - Pensions PE0048ORG Electronic Filing - Mandatory from January 1, 2013
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
Pensions Active Family Law PE0053ORG The Valuation and Division of Pension Assets on Breakdown of a Spousal Relationship on and after January 1, 2012
Pensions Active Supervisory Approach PE0055ORG Court Proceedings - Frequently Asked Questions
Pensions Active Commuted Value PE0056ORG Commuted Value - Frequently Asked Questions (FAQs)
Pensions Active Filing - Pensions PE0057ORG Financial Statements
Pensions Active Benefits PE0058ORG Phased Retirement - Frequently Asked Questions
Pensions Active Locked-in Accounts PE0059ORG Financial Hardship Unlocking User Guide For Financial Institutions
Pensions Active Locked-in Accounts PE0060ORG Financial Hardship Unlocking Questions & Answers
Pensions Active Locked-in Accounts PE0061ORG Financial Hardship Unlocking Questions & Answers
Pensions Active Locked-in Accounts PE0063ORG Process for Financial Hardship Unlocking
Pensions Active Investments - Pensions PE0067ORG Buy-In Annuities for Defined Benefit Plans
Pensions Active Administration - Pensions PE0077ORG Annual Statements of Members' Pension Benefits - Statement of Investment Policies and Procedures Content
Pensions Active Administration - Pensions PE0078ORG Biennial Statements Required for Former and Retired Members
Pensions Active Interest PE0079ORG Crediting Interest on Contributions and Payments
Pensions Active Wind up PE0080ORG Questions and Answers on the New Grow-in Rules under Section 74 of the Pension Benefits Act
Pensions Active Plan Types PE0081ORG Individual Pension Plans
Pensions Active Miscellaneous PE0083ORG Legislative Changes July 1, 2012
Pensions Active Administration - Pensions PE0084ORG Opting out of the new grow-in provisions by JSPPs and MEPPs
Pensions Active Administration - Pensions PE0085ORG New Definitions for "Retired Member" and "Former Member"
Pensions Active Filing - Pensions PE0086ORG FAQs - Statement of Investment Policies and Procedures (SIPP)
Pensions Active Commuted Value PE0087ORG Payment of a Small Amount under Section 50(1) of the Pension Benefits Act
Pensions Active Surplus PE0089ORG Surplus Withdrawal Applications
Pensions Active Spousal Rights PE0090ORG Payment of A Survivor Pension Small Amount - Section 44(7) of the Pension Benefits Act
Pensions Active Commuted Value PE0091ORG Transfers to a Registered Retirement Savings Plan (RRSP) or to a Registered Retirement Income Fund (RRIF)
Pensions Active Locked-in Accounts PE0092ORG FAQs on Old Life Income Funds (LIFs)
Pensions Active Locked-in Accounts PE0093ORG FAQs on Rules for Ontario Locked-In Accounts
Pensions Active Locked-in Accounts PE0094ORG FAQs on Unlocking a Locked-in Account if you are a Non-Resident of Canada
Pensions Active Locked-in Accounts PE0095ORG FAQs on New Life Income Funds (LIFs)
Pensions Active Family Law PE0100ORG Implications of Bill 14 Amendments on the Carrigan Decision
Pensions Active Plan Types PE0107ORG Individual Pension Plans (IPPs)
Pensions Active Miscellaneous PE0114ORG Superintendent Consents (from 2009 onwards)
Pensions Active Miscellaneous PE0115ORG Superintendent Declarations (from 2009 onwards)
Pensions Active Miscellaneous PE0116ORG Superintendent Notices of Intended Decision (from 2009 onwards)
Pensions Active Miscellaneous PE0117ORG Superintendent Orders (from 2009 Onwards)
Pensions Active Administration - Pensions PE0118ORG Pension Fund Administration – Responsibilities of Fund Holders
Pensions Active Administration - Pensions PE0122ORG Use of Superintendent Approved Pension Forms -PBA s. 113.2
Pensions Active Administration - Pensions PE0124ORG Searching for Plan Beneficiaries
Pensions Active Filing - Pensions PE0126ORG General Information Regarding Annual Information Returns
Pensions Active Amendments PE0127ORG Change of Custodian – Filing and Amendment Requirements
Pensions Active Funding PE0129ORG Determination of Interest Payments Where Solvency Special Payments Are Covered by Letters of Credit
Pensions Active Benefits PE0130ORG Definition of Bridging Benefit
Pensions Active Benefits PE0132ORG Pregnancy, Parental and Emergency Leave