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FSRA Proposes New Regulatory Framework for Life and Health Managing General Agents in Ontario

On January 28, 2025, the Financial Services Regulatory Authority of Ontario (“FSRA”) published Proposed Rule 2025-001 (the “Proposed Rule”), which builds on recent amendments to the Insurance Act (the “Act”). Those amendments...more

Alberta’s Insurance Regulators Tighten Registration Requirements for Motor Vehicle and Equipment Dealers Offering Warranties,...

On December 19, 2024, the Alberta Superintendent of Insurance published a revised version of Bulletin 05-2024 (“Superintendent’s Bulletin”) on the treatment of motor vehicle warranty contracts, dealership loyalty programs and...more

FSRA Releases Review of Managing General Agents in Ontario’s P&C Insurance Marketplace

On December 10, 2024, Ontario’s Financial Services Regulatory Authority (“FSRA”) released its review of the role of Managing General Agents (“MGAs”) in Ontario’s property and casualty (“P&C”) insurance market (the “Review”)....more

Alberta Expands Captive Insurers’ Ability to Reinsure Certain Third-Party Risks

On December 12, 2024, the Alberta Superintendent of Insurance (the “Superintendent”) issued Interpretation Bulletin 08-2024 (the “Bulletin”) extending the ability of captive insurers to reinsure certain third-party risks. As...more

OSFI Focuses on Culture Risk Issues in New Regulatory Notice

On November 21, 2024, the Office of the Superintendent of Financial Institutions (“OSFI”) released a regulatory notice on managing culture risk (the “Notice”). The Notice follows industry feedback on OSFI’s February 2023...more

Ontario Announces Consultation on Selling Automobile Insurance Products at Dealerships

On November 22, 2024, the Ontario Ministry of Finance announced that it is proceeding with a plan announced in Ontario’s 2024 Budget that will give the Financial Services Regulatory Authority (FSRA) the power to initiate a...more

Public Safety Canada’s Latest Guidance Provides Welcome Clarification to Forced and Child Labour Reporting Rules

Following the completion of the first submission cycle under the Fighting Against Forced Labour and Child Labour in Supply Chains Act, S.C. 2023, c. 9 (“FAFL”) at the end of May 2024, Public Safety Canada has updated its...more

Alberta Insurance Regulator Considers When Automobile Extended Warranty, Dealer Loyalty and Similar Products are Insurance in...

On October 10, 2024, the Alberta Superintendent of Insurance issued Interpretation Bulletin 05-2024 (“Bulletin”) on the insurance regulatory treatment of motor vehicle warranty contracts, dealership loyalty programs and...more

Strengthening Canada’s Financial Sector: Phase 3 of the Federal Consultation Emphasizes Competition and Consumer Interests

On August 12, 2024, the Department of Finance released its Consultation on Proposals to Strengthen Canada’s Financial Sector, the third phase of the federal government’s ongoing review of Canada’s financial institutions laws....more

Ontario Consultation on Regulating Life & Health Managing General Agents Launched

On July 26, 2024, the Ontario Ministry of Finance launched a consultation on proposed amendments to the Insurance Act that would create a regulatory framework for life and health managing general agents (L&H MGAs) and those...more

Public Safety Canada Updates Guidance on Forced and Child Labour Reporting

On March 5, 2024, Public Safety Canada made changes to the guidance on reporting requirements (“Guidance”) under the Fighting Against Forced Labour and Child Labour in Supply Chains Act, S.C. 2023, c. 9 (“the Act”) revising...more

OSFI Releases Finalized Integrity and Security Guideline

On January 31, 2024, OSFI released its finalized Integrity and Security Guideline (“Guideline”). The Guideline is a result of the extension of OSFI’s mandate, as of January 1, 2024, to include the oversight of integrity and...more

CBCA Corporations to Begin Submitting Transparency Registers to the Government: Public Access to Follow

Canada’s federal beneficial ownership transparency requirements are changing again. Beginning January 22, 2024, federal corporations will be required to provide certain information from their registers of individuals with...more

Government of Canada Issues Key Guidance on Forced and Child Labour Reporting

On December 20, 2023, the Government of Canada issued long-awaited guidance on reporting requirements (“Guidance”) under the Fighting Against Forced Labour and Child Labour in Supply Chains Act, S.C. 2023, c. 9 (“the Act”)....more

Choose Your Words Carefully: Three Recent Earnout Cases Under Delaware Law

When the prospects of an acquired business are uncertain, an earnout can bridge the valuation gap between buyer and seller and help get the deal done. Taking this route is not without risk, however, particularly where...more

OSFI’s Draft Security and Integrity Guideline: What’s Expected of FRFIs and When?

On October 13, 2023, OSFI released its draft Integrity and Security Guideline (“Guideline”). The Guideline, which would layer new and expanded expectations over existing applicable guidance, would apply to all Federally...more

OSFI Releases New Supervisory Framework for FRFIs and Pension Plans

On October 4, 2023, the Office of the Superintendent of Financial Institutions (“OSFI”) released details of a new supervisory framework (“New Framework”) that will apply as of April 1, 2024 to federally-regulated financial...more

Bill S-211 in Context: Five Ways That Canada Regulates Forced and Child Labour

Bill S-211 – the Fighting Against Forced Labour and Child Labour in Supply Chains Act – which requires businesses to report on their efforts to combat forced and child labour, is set to take effect in 2024. In this post,...more

CBCA Beneficial Ownership Register 2.0: Public Access, Stronger Investigatory Powers and Better Guidance are Coming

Canada’s federal beneficial ownership transparency provisions are changing. Since 2019, most Canada Business Corporations Act (CBCA) corporations have been required to create and maintain registers of Individuals with...more

Canadian Legislation on Forced and Child Labour in Global Supply Chains Takes Effect: First Reports Due by May 2024

On May 11, 2023, the Fighting Against Forced Labour and Child Labour in Supply Chains Act, S.C. 2023, c. 9 (the “New Act”) received Royal Assent and became law. Formerly known as Bill S-211, the New Act requires certain...more

OSFI Releases Draft Culture and Behaviour Risk Guideline

On February 28, 2023, the Office of the Superintendent of Financial Institutions (“OSFI”) announced the release of a draft Culture and Behaviour Risk Guideline (“Draft Guideline”). In response to feedback received in response...more

Canada’s Modern Slavery Bill Nears Final Approval: New Reporting Requirements Are Coming

Canada’s proposed “modern slavery” legislation – the Fighting Against Forced Labour and Child Labour in Supply Chains Act (“New Act”) – is currently awaiting consideration by the House of Commons Standing Committee on Foreign...more

British Columbia Conducts Consultation on Restricted Licence Regime for Incidental Sellers of Insurance

British Columbia’s Ministry of Finance is conducting a consultation on the adoption of its proposed restricted insurance agent licensing regime for incidental sellers of insurance. The proposal is similar to what is already...more

Québec Ends COVID-19 State of Emergency and Mandatory Masking on Public Transportation

On June 1, 2022, the Québec government officially ended the province’s state of emergency first declared in March 2020 to deal with the COVID-19 health crisis.  The government also lifted the COVID-19 mask mandate for...more

Québec Ends COVID-19 State of Emergency and Mandatory Masking on Public Transportation to be Lifted on June 18, 2022

On June 1, 2022, the Québec government officially ended the province’s state of emergency first declared in March 2020 to deal with the COVID-19 health crisis.  The government has also announced that it will lift the...more

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