From: Stephen BeattyTo: Trade war observersRe: Back to the Future: China Quota Edition (II) Mark Carney’s rapprochement with China that would see an initial influx of 49,000 Chinese electric vehicles has prompted an uproar from Canada’s auto sector, as we outlined in Part One. All that turmoil might have been avoided if Canada had just […]
From: Stephen BeattyTo: Trade war observersRe: Back to the Future: China Quota Edition Here we go again. It was another week which started off with some progress on the trade front, but that ended in threats from the White House. It’s the end of January and Groundhog Day is fast upon us. During Prime Minister […]
From: Bernard Morency and Pierre-Carl MichaudTo: Canada’s AI overseers Re: Canadians Need a New Personal Finance Flight Plan. Is AI the Co-Pilot We Need? When a viral social media post claimed that OpenAI was restricting its services from offering licensed advice, the internet erupted. The truth was far less dramatic – but the debate raised a deeper question: As AI […]
The rise of US dollar-linked stablecoins – digital tokens designed to maintain a constant one-for-one value with the US dollar – following the 2025 GENIUS Act poses potential risks to Canada’s monetary sovereignty and payment-system oversight. Without a clear domestic framework, Canadian payments could increasingly migrate to foreign-issued stablecoins and exchange platforms, weakening regulatory control and […]
From: Peter MacKenzie and Mark Zelmer To: Stablecoin watchers Date: January 19, 2026 Re: The Stablecoin Regulatory Challenge Stablecoins are often framed as a niche innovation, something for crypto enthusiasts or a problem best left to market forces. That framing is increasingly outdated. As stablecoins move closer to the financial mainstream, they raise fundamental questions […]
 The C.D. Howe Institute’s toolkit for tracking the economy is a customized series of data sets from past Institute publications. These tools can be helpful for policymakers and other parties interested in analyzing monetary policy and financial stability decisions. These unique variables, which can all be found in past Institute work, include: The Leading […]
From: Gary EdwardsTo: Financial Advice ObserversDate: January 14, 2026Re: Bringing Order to the Finfluencer Ecosystem Canada’s financial regulatory system is built for a world that no longer exists. It assumes that financial advice is delivered by licensed professionals, through regulated firms, in clearly defined settings. But for millions of Canadians – especially younger ones and […]
From: Jeremy M. Kronick and Mark ZelmerTo: Canada’s ministries and departments of financeDate: January 12, 2026Re: Financial Services Regulation Needs More Than Incremental Tinkering A country’s financial sector plays a crucial role in driving economic growth – Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into […]
Published in The Hill Times. A country’s financial sector plays a crucial role in driving economic growth—Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into loans that have stimulated economic growth, supplying the plumbing for the economy through its payment systems, and pooling risks so […]
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode of the C.D. Howe Institute Podcast, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad, what […]
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad.        […]
From: Mark Zelmer, Jeremy M. Kronick and Peter MacKenzie To: Crypto observersDate: December 8, 2025Re: Stablecoin Act is a Good Start, Now Let’s Get the Details Right Privately issued stablecoins – digital tokens designed to maintain a fixed value relative to a fiat currency – are often hailed as the next big leap in payments […]
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From: Stephen BeattyTo: Trade war observersRe: Back to the Future: China Quota Edition (II) Mark Carney’s rapprochement with China that would see an initial influx of 49,000 Chinese electric vehicles has prompted an uproar from Canada’s auto sector, as we outlined in Part One. All that turmoil might have been avoided if Canada had just […] 
From: Bernard Morency and Pierre-Carl MichaudTo: Canada’s AI overseers Re: Canadians Need a New Personal Finance Flight Plan. Is AI the Co-Pilot We Need? When a viral social media post claimed that OpenAI was restricting its services from offering licensed advice, the internet erupted. The truth was far less dramatic – but the debate raised a deeper question: As AI […] 
The rise of US dollar-linked stablecoins – digital tokens designed to maintain a constant one-for-one value with the US dollar – following the 2025 GENIUS Act poses potential risks to Canada’s monetary sovereignty and payment-system oversight. Without a clear domestic framework, Canadian payments could increasingly migrate to foreign-issued stablecoins and exchange platforms, weakening regulatory control and […] 
From: Peter MacKenzie and Mark Zelmer To: Stablecoin watchers Date: January 19, 2026 Re: The Stablecoin Regulatory Challenge Stablecoins are often framed as a niche innovation, something for crypto enthusiasts or a problem best left to market forces. That framing is increasingly outdated. As stablecoins move closer to the financial mainstream, they raise fundamental questions […] 
 The C.D. Howe Institute’s toolkit for tracking the economy is a customized series of data sets from past Institute publications. These tools can be helpful for policymakers and other parties interested in analyzing monetary policy and financial stability decisions. These unique variables, which can all be found in past Institute work, include: The Leading […] 
From: Gary EdwardsTo: Financial Advice ObserversDate: January 14, 2026Re: Bringing Order to the Finfluencer Ecosystem Canada’s financial regulatory system is built for a world that no longer exists. It assumes that financial advice is delivered by licensed professionals, through regulated firms, in clearly defined settings. But for millions of Canadians – especially younger ones and […] 
From: Jeremy M. Kronick and Mark ZelmerTo: Canada’s ministries and departments of financeDate: January 12, 2026Re: Financial Services Regulation Needs More Than Incremental Tinkering A country’s financial sector plays a crucial role in driving economic growth – Canada’s included. Canadian financial institutions and markets have had a long and successful track record in transforming savings into […] 
Canada can’t fall behind in the digital currency revolution. We famously adopted the bank machine before the US, and outpace most countries in digital adoption. On this episode of the C.D. Howe Institute Podcast, senior policy analyst Peter MacKenzie and fellow-in-residence Mark Zelmer tell host Michael Hainsworth why Stablecoin isn’t just a cryptocurrency fad, what […] 
From: Mark Zelmer, Jeremy M. Kronick and Peter MacKenzie To: Crypto observersDate: December 8, 2025Re: Stablecoin Act is a Good Start, Now Let’s Get the Details Right Privately issued stablecoins – digital tokens designed to maintain a fixed value relative to a fiat currency – are often hailed as the next big leap in payments […]