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 201 to 300 of 342 entries
Sector Status Category Guidance Number Guidance Name
Auto Active Electronic Insurance Card AU0128APP Modernizing Automobile Insurance - Approval of Electronic Insurance Card
Pensions Active Benefits PE0238ORG More Advantageous Pension Benefits or Ancillary Benefits Permitted
Pensions Active Annuities PE0229ORG Mortality Tables and Sex Discrimination
Mortgage Active Application - Mortgage Brokering MB0021ORG Mortgage Administrator Licence Application - Instructions for completing the application
Mortgage Active Syndicated Mortgage Investments MB0039INT Mortgage Administrators – Responses to Market Disruptions
Mortgage Active Reporting - Mortgage Brokering MB0052INT Mortgage Administrators’ Financial Filing Requirements
Mortgage Active Education MB0026ORG Mortgage Broker and Mortgage Agent Education
Mortgage Active Code of Conduct MB0042APP Mortgage Broker Regulators' Council of Canada Code of Conduct for the Mortgage Brokering Sector.
Mortgage Active Cybersecurity MB0048INF Mortgage Broker Regulators' Council of Canada Principles for Cybersecurity Preparedness for the Mortgage Brokering Sector
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 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 Application - Mortgage Brokering MB0022ORG Mortgage Brokerage Licence Application - Instructions for completing the application
Pensions Active Wind up PE0180ORG Natural Termination of a Pension Plan
Insurance Active Negative Option PC0018ORG Negative Option Marketing/Billing
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
Pensions Active Administration - Pensions PE0085ORG New Definitions for "Retired Member" and "Former Member"
Mortgage Active Licensing - Mortgage Brokering MB0047INT New mortgage agent and broker licensing requirements
Auto Active Licensing - Auto AU0030ORG New Proclamation Dates for Service Provider Licensing
Pensions Active Information and Statements PE0287ORG New Provisions Related to the Disclosure of Records
Auto Active Licensing - Auto AU0029ORG New Regulations for Service Provider Licensing and Proclamation Order
Pensions Active Wind up PE0676ORG New Requirements for Grow-In, Opting Out of Grow-In and Partial Wind Up
Pensions Active Commuted Value PE0170ORG No Obligation For Other Plans To Accept Transfer
Pensions Active Funding PE0138ORG No Provision to Amortize Negative Solvency Balance
Pensions Active Membership PE0219ORG No Transfer Rights on Suspension of Plan Membership
Pensions Active Commuted Value PE0171ORG No Transfers Outside Canada
Auto Active Non-renewal risk AU0082ORG Non-Renewal Risk Due to Broker Cancellation
Pensions Active Miscellaneous PE0291ORG Nortel Ontario Beneficiary Direction, Consent & Waiver
Auto Active Loss Trend AU0132APP Ontario private passenger automobile annual review based on industry data
CU-CP Active Risk Management CU0047ORG Operational Risk Advisory #1 - Outsourcing Servicing of Owned ATM's
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 CU0088APP Operational Risk and Resilience
Auto Active Risk Management AU0137INF Operational risk management framework in rating and underwriting of automobile insurance
Pensions Active Administration - Pensions PE0084ORG Opting out of the new grow-in provisions by JSPPs and MEPPs
Auto Active Indexation AU0022ORG Optional Indexation Benefit Guideline
Pensions Active Spousal Rights PE0209ORG Options to Spouse on Marriage Breakdown
Pensions Active Wind up PE0283ORG Original and Successor Pension Plans - Section 81 Does Not Preclude Wind Up of Original Plan
Auto Active Forms - Auto AU0111ORG Other Automobile Insurance Forms
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
Pensions Active Wind up PE0021ORG Overpayments and Plan Wind Up - FAQs
Pensions Active Investments - Pensions PE0147ORG Overview of Statements of Investments Policies and Procedures (SIPP) Requirements
Pensions Active Surplus PE0162ORG Partial Wind Up - Identification and Administration of Surplus
Pensions Active Benefits PE0264ORG Past Benefits - Members Option
Pensions Active Commuted Value PE0087ORG Payment of a Small Amount under Section 50(1) of the Pension Benefits Act
Pensions Active Spousal Rights PE0090ORG Payment of A Survivor Pension Small Amount - Section 44(7) of the Pension Benefits Act
Pensions Active Wind up PE0179ORG Payment of Benefits on Partial Wind Up
Pensions Active Wind up PE0182ORG Payment of Immediate Pensions & Other Benefits
Pensions Active Administration - Pensions PE0118ORG Pension Fund Administration – Responsibilities of Fund Holders
Pensions Active Administration - Pensions PE0296INT Pension Plan Administrator Roles and Responsibilities
Pensions Active Plan Types PE0159ORG Pension Plans are Not Flexible Benefit Plans
Pensions Active Miscellaneous PE0193ORG Pension Scams Cost You More than Retirement Savings
Pensions Active Supervisory Approach PE0197APP Pension Sector Guiding Principles
Pensions Active Benefits PE0058ORG Phased Retirement - Frequently Asked Questions
Pensions Active Benefits PE0132ORG Pregnancy, Parental and Emergency Leave
Auto Active Arbitration AU0121ORG Private Arbitration Decisions
Auto Active Filing - Auto AU0100ORG Private Passenger Automobile Filing Guidelines - Major
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”
Pensions Active Locked-in Accounts PE0063ORG Process for Financial Hardship Unlocking
Pensions Active Supervisory Approach PE0245ORG Process for Reviewing Defined Benefit Pension Plan Applications and Service Targets
Auto Active Payment Processing AU0038ORG Processing Direct Payments to Service Providers for "Listed Expenses"
Auto Active Professional Services Guideline AU0027ORG Professional Services Guideline
Pensions Active Investments - Pensions PE0144ORG Prudent Investment Practices for Derivatives
General Regulatory Active Supervisory Approach GR0017APP Public warning notices Guidance
Auto Active Regulation AU0019ORG Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers
Pensions Active Advisory Committees PE0228ORG Purpose of Plan Advisory Committees
Pensions Active Funding PE0010ORG Questions and Answers on Letters of Credit
Pensions Active Wind up PE0080ORG Questions and Answers on the New Grow-in Rules under Section 74 of the Pension Benefits Act
Pensions Active Commuted Value PE0278ORG Recalculation of Transfer Values
CU-CP Active Recovery Planning CU0069INT Recovery Planning
Pensions Active Refunds PE0160ORG Refund of Additional Voluntary Contributions to Active Members
Pensions Active Registration PE0161ORG Registration of a Pension Plan and a Pension Plan Amendment
Pensions Active Plan Types PE0026ORG Regulation 177/11 made under the Pension Benefits Act - Questions & Answers - JSPPs
Pensions Active Pension Benefits Guarantee Fund (PBGF) PE0683ORG Regulation Changes to the Pension Benefits Guarantee Fund (PBGF) - 2019
Auto Active Lapse in Auto Insurance Coverage AU0069ORG Regulation on lapse in automobile insurance coverage
Insurance Active Guideline PC0020ORG Reinsurance guidelines for Ontario incorporated and licensed companies
Auto Active Rental Vehicles AU0064ORG Rental Vehicles and the Priority Rules
Auto Active Consumer Protection - Auto AU0136APP Reporting and resolution of rating and underwriting errors
Pensions Active Funding PE0227ORG Requirement for Submission of Actuarial Reports and Cost Certificates
Pensions Active Administration - Pensions PE0253ORG Requirement to Provide Information to Members
CU-CP Active Lending CU0063INT Residential Mortgage Lending *New
CU-CP Active Resolution Planning CU0082INT Resolution Planning
Pensions Active Wind up PE0183ORG Restrictions on Payments on wind up where there is a Deficit
Pensions Active Retirement PE0246ORG Retirement Dates
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 Expense Guideline AU0049ORG Revised Attendant Care Hourly Rate Guideline and Transportation Expense Guideline
Auto Active Fleets AU0078ORG Revised bulletin on the definition of "Fleet"
CU-CP Active Supervisory Framework CU0083APP Risk Based Supervisory Framework (FSRA RBSF)
Insurance Active Insurance Prudential PC0045APP Risk Based Supervisory Framework for Ontario-incorporated Insurance Companies and Reciprocals
Pensions Active Administration - Pensions PE0045ORG Sample Retention Schedule for Pension Plan Records
Pensions Active Locked-in Accounts PE0151ORG Schedule 1 Life Income Funds (Old LIFs)
Pensions Active Locked-in Accounts PE0150ORG Schedule 1.1 Life Income Funds (New LIFs)
Pensions Active Locked-in Accounts PE0153ORG Schedule 2 Locked-In Retirement Funds (LRIFs)
Pensions Active Administration - Pensions PE0124ORG Searching for Plan Beneficiaries
CU-CP Active Securitization CU0037ORG Securitization Guidance Note
CU-CP Active Securitization CU0080ORG Securitization Reporting Template
Pensions Active Membership PE0156ORG Separate Pension Plan for Part-Time Employees - Reasonably Equivalent Pension Benefits and Other Benefits
Pensions Active Benefits PE0263ORG Settlement of Benefits
Pensions Active Locked-in Accounts PE0148ORG Shortened Life Expectancy
Auto Active Filing - Auto AU0126APP Standard Filing