We model non-bank entry into fixed-income markets and state-dependent liquidity. Non-bank financial institutions improve ...

We aim to build confidence in the safety and reliability of payment service providers’ services while protecting end users from specific risks. We’re taking steps to better understand the impacts of ...

Privacy-enhancing technologies (PETs) could offer solutions to safeguard end-user privacy and meet rigorous data protection ...

The Bank of Canada is using an enhanced dataset that tracks the stock of outstanding mortgages and home equity lines of ...

We’re taking steps to better understand the impacts of climate change on the economy and to reduce our environmental footprint.

We’re taking steps to better understand the impacts of climate change on the economy and to reduce our environmental footprint.

How often does the cashier just hand over the debit machine when you pay for your morning coffee? Some even seem surprised if you give them cash. Last year in Canada, people used cash for only 1 in 3 ...

Over the years, the Bank of Canada has adjusted the way it sets its key interest rate. Following is a brief history of the key rate from the Bank’s founding in 1935 until the present. The original key ...

Trade is dominating the news these days. With the barrage of headlines and the talk about protectionism and tariffs, it’s easy to forget that much of our economic growth and prosperity comes from ...

For most of 2021 and into early 2022, variable mortgage rates were substantially lower than fixed mortgage rates. As a result, many borrowers opted for a variable-rate mortgage. These types of ...

Buying a home is probably the biggest purchase you’ll ever make. If you’re like most people, you won’t pay cash—you’ll borrow most of the money by taking out a mortgage. And over the life of the ...

Since March 2022, interest rates have risen considerably and rapidly following a period of historical low rates during the first two years of the COVID‑19 pandemic. As a result, many mortgage holders ...