NEW ENTRANTS

1. The Co-operative Sector
2. More Flexible Corporate Structures
3. Entry of Foreign Financial Institutions
4. Capital Tax Holiday

SECTION B

ORGANIZATIONAL FLEXIBILITY

1. Ownership Rules
2. Widely-Held Rules Satisfied by Co-operative or Mutual Form of Ownership
3. Transition Ownership and Takeover Rules for Demutualized Life Insurance Companies
4. Approval of Acquisition of a Widely-Held Institution by a Foreign Purchaser
5. Recategorization of a Schedule I Bank To Be No Longer Widely-Held
6. Grandfathering of Institutions Not Conforming to New Ownership Rules

SECTION C

BUSINESS POWERS

1. The Payments System
2. Interac and Other Financial Networks
3. Insurance Retailing
4. Light Vehicle Lease Financing

SECTION D

THE MERGER REVIEW PROCESS

1. The "Big Shall Not Buy Big" Policy
2. Institutional Coverage, Responsibilities and Authorities
3. The Competition Bureau and Competition Concerns
4. OSFI and Prudential Concerns
5. The Minister of Finance and the Public Interest
6. Approval, Oversight and Enforceable Undertakings

SECTION E

REGULATION

1. Corporate Governance
2. The Criteria and Processes for the Incorporation and Regulation of Financial Institutions
3. Regulation of Financial Service Providers Operating Outside Canada
4. Revisions to Mandate of OSFI
5. Revision to Governance of OSFI
6. CompCorp and CDIC
7. Eliminate Regulatory Overlap Between OSFI and CDIC
8. Eliminate Overlap Among Federal and Provincial Governments
9. Streamlining of Federal Regulatory Procedures
10. Publication of Information About Financial Service Providers by OSFI

SECTION F

CONSUMERS ISSUES

1. Empowering Consumers
2. Strengthening Consumer Organisations
3. Disclosure and Transparency
4. Protection of Personal Privacy
5. Coercive Tied Selling
6. Financial Sector Ombudsman
7. Proficiency Standards for Intermediaries
8. Consumers and Internet Providers of Financial Services to Canadians

SECTION G

CANADIANS’ EXPECTATIONS AND CORPORATE CONDUCT

1. Community Expectations
2. Access of Low-Income Individuals to Basic Banking Services
3. Branch Service Access
4. Micro Credit
5. Partnerships with the Voluntary Sector
6. Community Accountability Statements

SECTION H

SMALL AND MEDIUM-SIZED BUSINESS

1. Information on the Financing Needs of SMEs
2. Bank Lending and Turnover of Business Account Managers
3. Decentralisation of Credit-Granting Authority in Banks
4. Bank Lending to Higher Risk Borrowers
5. Policy Analysis of Small Business Finance Needs
6. Definition of Knowledge Based Industries and Banks and Knowledge Based Industry Firms 7. Provision of Credit by Financial Institutions to Aboriginal Individuals and Institutions

SECTION I

TAXATION, ACCOUNTING RULES AND FACILITATION OF ELECTRONIC COMMERCE

1. Regulated Financial Sector Taxation Levels
2. Accounting for Business Combinations
3. Facilitation of Electronic Commerce