Anne Loosen

The Federal government has made a commitment to lower the allowable rate of interest. This change in policy will reduce access to credit for millions of Canadians. These Canadians make up 29% of all Canadians with credit reports and are non-prime borrowers, meaning that they would struggle to access loans from traditional financial institutions. The Canadian Lenders Association would like the government to understand how this amendment will negatively impact CLA members and the public at large.

The Federal government has made a commitment to lower the allowable rate of interest, in section 347 of the Criminal Code. This change in policy will reduce access to credit for millions of Canadians. These Canadians make up 29% of all Canadians with credit reports and are non-prime borrowers, meaning that they would struggle to access loans from traditional financial institutions. The Canadian Lenders Association would like the government to understand how this amendment will negatively impact CLA members and the public at large.

The Income Tax Act and Taxation Policies – Seeking opportunities under the Income Tax Act to improving the financial resilience of low- and middle-income Canadians by investing in the accessibility of financial planning advice for low- and middle-income Canadians. The Income Tax Act and Taxation Policies - Seeking opportunities under the Income Tax Act to improve the financial accessibility of financial planning advice for Canadians. Seeking opportunities to support implementation of the Financial Consumer Agency of Canada's (FCAC) National Financial Strategy 2021-2026. Also seeking opportunities to partner with the FCAC and other organizations to deliver upon the National Strategy.

Seeking opportunities to support implementation of the FCAC's National Financial Strategy 2021-2026. Also seeking opportunities to partner with the FCAC and other organizations to deliver upon the National Financial Literacy Strategy. The Income Tax Act and Taxation Policies - Seeking opportunities under the Income Tax Act through a proposed tax credit for low and middle income Canadians to improve the financial resilience of Canadians by improving the financial accessibility of financial planning advice for Canadians.

The Proceeds of Crime (Money Laundering) and Terrorist Financing Act, initiatives for enhancement of reporting mandatory information, and risk assessment methodology. The introduction of policies, programs or legislation related to "Open Banking". The Canadian labour force and labour mobility as it relates to the Express Entry program. Policies related to Canadian economic growth, and international trade. Policies related to Canada's development of natural resources. Policies related to asset recycling and industry investment in public infrastructure development . Policies and programs that affect the Canadian housing market and lending practices. Policies and programs related to gender diversity, inclusion and accessibility. Personal Information Protection and Electronic Documents Act (PIPEDA), the Privacy Act, and any legislation and associated regulations with regard to privacy and security, identity theft risks, use and protection of information Payment Processing System with regard to rates, fees, oversight of credit and debit procedures Office of the Superintendent of Financial Institutions Act (OSFI) and regulations, in respect of regulatory compliance for banks Immigration policies and programs to address labour shortages and market needs. Canadian Payments Act, as it applies to applicable legislative reviews and the government's Payment's Modernization initiative. Canada Labour Code, Parts II and III Bank Act and regulations, in respect of the five year financial system review, as well as any changes resulting from the review.

Policies and administration that supports access to the Canada Disability Benefit and Disability Tax Credit for eligible people with low incomes and that policies, regulation and funding take into account barriers faced by people with disabilities and design for inclusion. Policies that support stronger consumer protection and in particular protection for people with low incomes. Policies that support hardship relief for people with low incomes dealing with CERB or CRB repayments, or overpayments of tax benefits. Policies that support closing the gap in appropriate, affordable and trustworthy financial help for people with low incomes. Policies and administration that supports better access to benefits for people with low incomes. Enhancements to to outreach, and improvements to the administration of the tax system to support more people getting the benefits they are entitled to and tax filing. Funding for Community Volunteer Income Tax program. Funding for community-delivered financial help services.

Advancing Competition, Affordability and Innovation in CDN Banking Fintech and Competition geared towards Open Banking/Consumer Driven Finance increasing competition in the market, and to improve efficiency in implementing changes. Prepaid card rules and legislative harmonization Capital Adequacy Requirements Guideline & Leverage Requirements Guideline, with respect to limits for covered bonds issues. Bank Act & Regulations, with respect to consumer protection framework.

Discussions quant au cadre réglementaire applicable aux banques, incluant la Loi sur les banques et les lignes directrices du Bureau du surintendant des institutions financières Loi sur la protection des renseignements personnels, activités liées à la mise en place des dispositions de la loi Discussions relative au cadre de financement du logement, y compris les réformes visant à accroître l'offre de logements, les réglementations en matière de souscription de prêts hypothécaires et les obligations sécurisées Perspectives et politiques relatives à la croissance de l'économie canadienne et aux projets d’intérêt national Révision réglementaire du projet d’acquisition de certains portefeuilles de la Banque Laurentienne dans le cadre de l'acquisition de cette dernière par la Banque Fairstone Fournir des commentaires sur les mesures budgétaires fédérales susceptibles d’avoir une incidence sur le secteur bancaire Discussions concernant la stratégie nationale de cybersécurité du Canada Discussions sur la réglementation visant l'intelligence artificielle Discussions concernant les plans de protection des infrastructures essentielles Discussions concernant le financement des petites entreprises, y compris le Programme de financement des petites entreprises du Canada Fournir des commentaires sur l’élaboration du Cadre canadien des services bancaires pour les gens Discussions sur les stratégies visant à atténuer les risques tarifaires Certains sujets liés à la Loi sur le recyclage des produits de la criminalité et le financement des activités terroristes incluant les exigences d'identification Soutenir le développement d’un écosystème de paiements innovant, efficace et sécurisé au Canada au bénéfice des consommateurs Discussions relatives au développement d'un cadre de protection des consommateurs financiers et engagements volontaires pour promouvoir la protection des consommateurs Discussions relatives au cadre de protection des consommateurs Loi sur l'impôt concernant l'impôt sur les entreprises, l'impôt sur le capital, la taxation internationale, l'impôt personnel et les produits d'épargne enregistrées Collaboration avec le gouvernement pour protéger les Canadiens contre la fraude et les arnaques Commentaires relatifs au plancher de fonds propres de Bâle III Révision réglementaire du projet d’acquisition de la Banque canadienne de l’Ouest Règlement sur le commerce d'assurance, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire Programme des travailleurs étrangers temporaires Loi sur les sociétés d'assurance, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire Loi sur les prêts aux petites entreprises, activité de lobbyisme liée à l'application de la loi en général et plus particulièrement à l'égard des règles concernant le crédit consenti Loi sur les banques, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire et dans l'application des dispositions de la Loi et du Règlement visant les consommateurs dans les opérations bancaires Loi sur le recyclage des produits de la criminalité et le financement des activités terroristes, activité de lobbyisme liées à l'application de la loi de façon générale, et plus précisément en ce qui concerne la révision de la règlementation applicable à la Banque Loi sur la société d'assurance-dépôts du Canada, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire et dans l'application des dispositions de la Loi et du Règlement visant les consommateurs dans les opérations bancaires Loi sur la société canadienne d'hyp

Telecommunications regulatory proceedings at CRTC Broadcasting regulatory proceedings at CRTC Bill C-69, Budget Implementation Act 2024, No. 1, in regard to Division 37 of Part 4 - Telecommunications Act changes. Bill C-56, An Act to amend the Excise Tax Act and the Competition Act, in relation to grocery market conditions and competitive conditions in other federally-regulated areas, such as telecommunications, airlines and banking. Bill C-360, An Act to establish a national strategy to reduce the amount of wasted food in Canada - regarding the entire bill. Bill C-322, An Act to develop a national framework to establish a school food program - regarding the whole bill. Bill C-288, An Act to amend the Telecommunications Act (transparent and accurate broadband services information), in respect of broadband speed advertising and other consumer rules under the Telecommunications Act. Bill C-27, Consumer Privacy Protection Act, in respect of this bill's modification to consumer privacy standards under PIPEDA. Bill C-26, An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts, in respect of consumer confidentiality, privacy and other matters. Bill C-252, An Act to amend the Food and Drugs Act (prohibition of food and beverage marketing directed at children), in respect of food retailing restrictions and advertising. Bill C-244, An Act to amend the Copyright Act (diagnosis, maintenance and repair), in respect of consumers' right to repair.

Healthcare policy and potential legislation relating to employee benefit programs and the cost of pharmaceuticals, and healthcare policy related to virtual care services To ensure that the needs of the financial sector in matters related to human resources as well as its capacity to service customers are properly reflected in legislation, policies and regulations in the context of the COVID-19 public health and economic crisis. The Personal Information Protection and Electronic Documents Act with respect to privacy, customer data, and data security Taxation - discussion of taxation policy for financial institutions. Seeking to raise awareness about prescription drug coverage policy considerations and concerns in context of national universal pharmacare proposals directly and as a participant in the Together for Better Health Coalition. Other related initiatives include high cost drugs for rare disease and PMPRB regulations Review of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act as it relates to insurance contracts. Pension and Retirement products and income security Guidelines of the Office of the Superintendent of Financial Institutions as they relate to insurance companies. Federal Financial Services legislation review, with respect to Financial Institutions policies, infrastructure, open banking, and financial technology Clarification of Goods and Services Tax (GST) / Harmonized Sales Tax (HST) with respect to the treatment of financial services.

Engage with government on the impact global events and policies have on Canadian financial services. Provide input on legislation and policies related to financial fraud and scams including perspectives on the National Anti-Fraud Strategy Engage with government on commitments made in Budget 2025 related to increasing competition and affordability for financial services. Provide input on the range of tax filing services available to Canadians as the Canada Revenue Agency (CRA) develops its automatic tax filing plan. Provide input on the federal Financial Sector Legislative Review, including sharing perspectives on the digitalization of money Engage with government to share our experience with registered savings accounts (including the FHSA) Engage with government to ensure Retail Payments Activities Act Regulations reflect existing requirements for prudentially regulated financial institutions including those regulated at the provincial or territorial level. Engage with government support the implementation of open banking, payments modernization and the real time rail with a focus on benefits for individual Canadians and small businesses Bill C-27, Digital Charter Implementation Act as it relates to data portability, privacy and enabling consumer benefits of open banking