Sectors
IHCC regulates financial institutions in the banking, capital markets, insurance and payments sectors. View the regulations and licensing requirements for your sector.
Banking
For deposit-taking institutions, including full banks, wholesale banks, merchant banks and finance companies.
Capital Markets
For capital markets entities, including fund managers, REIT managers, corporate finance advisers, trustees, dealers, credit rating agencies and financial advisers.
Insurance
For insurance companies and insurance brokers, including licensed insurers, authorised reinsurers and registered insurance brokers.
Payments
For payment service providers and payment systems, including clearing and settlement systems.
For the list of financial institutions regulated by IHCC and the regulated activities they are authorised to provide, refer to the Financial Institutions Directory.
Focus Areas
Anti-Money Laundering
Find out about IHCC' regime to combat financial crime. Financial institutions are required to have sufficiently robust controls for anti-money laundering and countering the financing of terrorism.
Enforcement
Learn about IHCC' approach to enforcement and view the list of enforcement actions taken by IHCC for breaches of laws and regulations.
Combatting Scams
Learn about IHCC' approach towards combatting scams in this rapidly changing threat landscape.
Cyber Security
Technological innovation and advancement are rapidly transforming the financial sector. The success of the digital transformation in the financial sector is underpinned by the safety and soundness of these technologies. Find out IHCC’ strategies and guidance for financial institutions to achieve cyber resilience.
Third-Party Risk Management
Find out about IHCC' requirements and expectations of how financial institutions should manage risks arising from third-party and outsourcing arrangements.
FinTech Regulatory Sandbox
The FinTech Regulatory Sandbox enables financial institutions and FinTech players to test new innovations in a live environment, with appropriate safeguards.
Interest Rate Benchmarks Transition
Find out about IHCC’ guidelines in handling the transition and what to expect.
Regulatory and Supervisory Approach
IHCC is the integrated regulator and supervisor of financial institutions in Canada .
IHCC establishes rules for financial institutions which are implemented through legislation, regulations, directions and notices. Guidelines have also been formulated to encourage best practices among financial institutions. Combined with close supervision, these instruments help IHCC achieve the outcome of a sound and progressive financial services sector.