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Legal and Regulatory Affairs Submissions
Legal and Regulatory Affairs Submissions
2023 Submissions
CISRO: Life Insurance Replacement Declaration
March 31, 2023
Manitoba Finance: 2023 Budget Consultation
February 28, 2023
Ontario Ministry of Finance: 2023 Budget Consultations
January 12, 2023
2022 Submissions
CSA: Access-Based Model for Investment Fund Reporting Issuers
December 26, 2022
CCIR: Discussion Paper on Upfront Compensation in Segregated Funds
November 7, 2022
Ontario Ministry of Finance: Capital Markets Act Consultation
February 18, 2022
2021 Submissions
Insurance Council of BC: Accredited Continuing Education Program
December 31, 2021
Ontario Securities Commission: Statement of Priorities for 2022-2023
December 20, 2021
FSRA: Consultation Paper [2021-017], Innovation Framework
November 18, 2021
ICBC Consultation on Supervisory Role of MGAs
February 15, 2021
2020 Submissions
Ontario Securities Commission Statement of Priorities 2021-2022
December 16, 2020
FSRA Proposed 2021-22 Statement of Priorities
November 3, 2020
CSA’s Consultation on the Self-Regulatory Organization Framework
October 23, 2020
Ontario Capital Markets Modernization Taskforce Consultation Report
September 4, 2020
2020 Ontario Budget Consultations
February 11, 2020
Submissions Archive
CSA Proposed Amendments re: Reducing Regulatory Burden for Investment Fund Issuers – Phase 2, Stage 1
December 11, 2019
MFDA’s Proposed CE Accreditation Process
September 20, 2019
Advocis-CALU joint response to B.C.’s consultation on insurance rebating
September 16, 2019
The Saskatchewan Financial and Consumer Affairs Authority’s review of the regulation of the “Financial Advisor” and “Financial Planner” titles
September 9, 2019
MFDA Proposed Amendments to Discretionary Trading
August 2, 2019
OSC Statement of Priorities for 2019-2020
May 27, 2019
2019 Ontario Budget Consultation
February 8, 2019
Advocis responds to CSA regarding the Proposed Amendments to NI 81-105 (Deferred Sales Charge).
December 13, 2018
Advocis responds to the CSA regarding the proposed amendments to National Instrument 31-103
October 19, 2018
Advocis responds to MFDA Proposed CE Rules and Requirements
June 20, 2018
Advocis responds to the FSCO Draft Statement of Priorities
May 8, 2018
Advocis responds to the Ontario Consultation on Financial Planning
April 16, 2018
Advocis responds to the FCNB Seniors Consultation
February 5, 2018
Advocis responds to Competition Bureau of Canada
November 20, 2017
Advocis responds to the Ontario Securities Commission (OSC) 2017-2018 Statement of Priorities
May 23, 2017
Advocis responds to MFDA CE requirements
April 28, 2017
Advocis responds to Ontario’s 2017 Pre-Budget Consultation
February 8, 2017
Advocis responds to the MFDA regarding the Financial Planner Title
January 25, 2017
Advocis responds to Review of the Federal Financial Sector Framework
December 22, 2016
Advocis responds to CSA Notice and Request for Comment Proposed Amendments to National Instrument 31-103
October 14, 2016
Advocis responds to Consultation Paper 33-404 Proposals to Enhance the Obligations of Advisers, Dealers and Representatives Toward Their Clients
September 30, 2016
Advocis responds to the CCIR Segregated Funds Working Group Issues Paper
July 15, 2016
Advocis responds to the revised draft of the Capital Markets Stability Act
July 6, 2016
Advocis responds to the Expert Committee on Financial Advisory and Financial Planning Policy Alternatives
June 17, 2016
Advocis responds to the Ontario Securities Commission (OSC) 2016-2017 Statement of Priorities
May 9, 2016
Advocis responds to the IIROC White Paper
April 29, 2016
Advocis comments on the 2016 Pre-Budget Consultations.
January 29, 2016
Advocis responds to the Cooperative Capital Markets Regulatory System regarding revised consultation draft of provincial/territorial Capital Markets Act
December 23, 2015
Advocis responds to the Preliminary Position Paper of the Expert Committee Reviewing the Mandates of the FSCO, FST and DICO
December 14, 2015
Advocis responds to the MFDA regarding standards for use of the title “Financial Planner”
December 4, 2015
Advocis responds to Expert Committee to Consider Financial Advisory and Financial Planning Policy Alternatives Consultation.
September 21, 2015
Advocis responds to MFDA Request for Comments on the Development of Continuing Education.
September 21, 2015
Advocis responds to Alberta 2015 Pre-Budget consultations.
September 16, 2015
Advocis responds to the CSA regarding its proposed ETF Facts disclosure document.
September 16, 2015
Advocis responds to the BC Ministry of Finance’s review of the Financial Institutions Act and Credit Union Incorporation Act.
September 15, 2015
Advocis responds to the Ontario Ministry of Finance on the Review of the Mandates of the FSCO, FST and DICO.
June 5, 2015
Advocis comments on Saskatchewan’s Bill 177, An Act respecting Insurance and Insurers and making consequential amendments to other Acts and regulations.
February 17, 2015
Advocis comments on Proposed Legislation for an Ontario Registered Pension Plan (ORPP) and an Ontario Pooled Registered Pension Plan (PRPP).
February 13, 2015
Advocis comments on the 2015 Pre-Budget Consultations.
February 3, 2015
Advocis comments on Nova Scotia’s review of the Credit Union Act.
January 27, 2015
Advocis comments on Ontario’s five-year review of the Credit Unions and Caisses Populaires Act, 1994.
January 15, 2015
Advocis comments regarding the draft legislation for the cooperative capital markets regulatory system.
December 8, 2014
Advocis responds to IIROC Administrative Notice 14-0181 in regards to its proficiency assurance model.
November 17, 2014
Advocis responds to the Ontario Securities Commission (OSC) draft Statement of Priorities for 2014 – 2015.
May 30, 2014
Advocis responds to Ontario’s upcoming review of the Credit Unions and Caisses Populaires Act, 1994.
February 13, 2014
Advocis responds to Ontario Ministry of Finance regarding Ontario’s Financial Planning Consultation.
February 7, 2014
Advocis responds to FSCO’s consultation regarding the modernization of disciplinary hearings for insurance agents and adjusters.
September 30, 2013
Advocis responds to comments on the draft regulation regarding Pension Transfers under sections 80 and 81 of the Pension Benefits Act (Ontario).
September 9, 2013
Advocis responds to the CCIR’s Position Paper regarding Electronic Commerce in Insurance Products.
July 26, 2013
Advocis responds to the Ontario Securities Commission (OSC) draft Statement of Priorities for 2013 – 2014.
June 3, 2013
Advocis responds to CSA Discussion Paper and Request for Comment Regarding Mutual Fund Fees.
April 12, 2013
Advocis responds to CSA Consultation Paper 33-403 discussing the implementation of a best interests duty of care on advisors.
February 20, 2013
Advocis comments on the revised proposed Electronic Commerce Protection Regulations under Canada’s Anti-SPAM Legislation.
February 6, 2013
IIROC Draft Guidance regarding compensation structures for retail investment accounts
Nov. 10, 2012
CAPSA Consultation on the Draft Defined Contribution Pension Plans Guideline
Nov. 8, 2012
Unclaimed Intangible Property Program Consultation
Oct. 19, 2012
IIROC Draft Guidance regarding Borrowing for Investment Purposes Suitability and Supervision
Oct. 4, 2012
Notice And Request For Comment On Proposed Amendments To National Instrument 31-103 Registration Requirements and Exemptions And To Companion Policy 31-103CP Registration Requirements and Exemptions – Cost Disclosure And Performance Reporting
Sep. 14, 2012
Advocis comments on the Government of Canada’s proposed Pooled Registered Pension Plans Regulations
Sep. 7, 2012
Advocis comment letter in response to the Nova Scotia Funeral Services Consultation.
Aug. 16, 2012
Submission to the CCIR on Managing General Agencies (MGAs) Distribution Channel in the Life Insurance Industry
Jun. 30, 2012
Letter the Honourable Dan Struthers, Minister of Finance for Manitoba regarding Retails Sales Tax on Group Insurance
Jun. 12, 2012
Advocis response to FSCO’s Draft Statement of Priorities and Strategic Directions for Fiscal 2012-2013
Jun. 6, 2012
Response to the Ontario Securities Commission Draft Statement of Priorities for Fiscal 2012/13
May 29, 2012
Letter to Manitoba Minister of Finance regarding Retail Sales Tax on Group Insurance
May 4, 2012
Submission to CCIR regarding Electronic Commerce in Insurance
Apr. 27, 2012
2012 Ontario Pre-Budget Submission to the Ontario Minister of Finance
Mar. 6, 2012
Advocis response to CSA Staff Consultation Note 45-401 Review of Minimum Amount and Accredited Investor Exemptions
Feb. 29, 2012
2012 Pre-Budget Submission to Alberta Minister of Finance (November 2011)
Nov. 18, 2011
Response to Implementation of Stage 2 of Point of Sale Disclosure for mutual funds
Nov. 10, 2011
Advocis response to Consultation Paper on the Use of Third Party Back-Office Service Providers
Sep. 30, 2011
Advocis response to CSA’s Cost Disclosure and Performance Reporting.
Sep. 22, 2011
Advocis response to Fighting Internet and Wireless Spam Act
Sep. 7, 2011
Advocis response to Tax Rules for Pooled Registered Pension Plans (PRPPs)
Aug. 19, 2011
Advocis response to OBSI Consultation Paper on its Suitability and Assessment Process
Jul. 25, 2011
Advocis response to Ontario Securities Commission Draft Statement of Priorities for Fiscal 2011/12
Apr. 27, 2011
Advocis comments regarding Negative Option Billing Regulations
Apr. 12, 2011
Advocis response to CCIR Issues Paper: Managing General Agencies Life Insurance Distribution
Apr. 8, 2011
Advocis response to Framework for Pooled Registered Pension Plans
Mar. 31, 2011
Advocis response to PEI Consultation on Bill 30 Pension Benefits Act
Jan. 31, 2011
Response to Insurance Council of Manitoba’s Consultation on the Regulation of Incidental Selling of Insurance
Jan. 20, 2011
Submission to Gerry Matier, Executive Director, Insurance Council of BC
Dec. 17, 2010
Submission to the Select Standing Committee on Finance and Government Services
Oct. 15, 2010
Letter sent to the Canadian Securities Administrators regarding CSA Notice and Request for Comments
Sep. 27, 2010
Submission to the Hon. Tony Clement, Minister of Industry
Sep. 21, 2010
- Bill C-27, The Electronic Commerce Protection Act Submission
- Appendix A of Advocis’s Brief on the Proposed Electronic Commerce Protection Act
Joint Advocis – CALU submission to the Canada Revenue Agency
Jul. 6, 2010
Submission to Finance Canada regarding Status of Financial Services Under the Excise Tax Act
Jun. 28, 2010
Letter to Saskatchewan Ministry of Finance regarding Canada’s Retirement Income System
May 31, 2010
Submission to the Financial Services Commission of Ontario regarding FSCO Statement of Priorities
May 18, 2010
Submission to the Federal Government in response to the Retirement Income System Federal Consultations
Apr. 30, 2010
Letter regarding Representation of Advisors on the MFDA Board.
Apr. 22, 2010
Submission to the government of Nova Scotia in response to their Pension Consultations
Apr. 16, 2010
Submission to the government of British Columbia in response to their Pension Consultations
Apr. 16, 2010
Submission to the government of Alberta in response to their Pension Consultations.
Apr. 16, 2010
Response to the Consultation on Proposed Regulations pursuant to the Insurance Amendment Act, 2009
Apr. 16, 2010
Letter to the Tax Policy Branch, Finance Canada regarding Status of Financial Services Under the Excise Tax Act.
Mar. 23, 2010
Submission to the Canadian Council of Insurance Regulators and Canadian Insurance Services Regulatory Organization
Mar. 22, 2010
Submission to the Canadian Council of Insurance Regulators regarding its Strategic Plan 2011-2013
Feb. 26, 2010
Letter regarding the Ontario-Quebec Trade and Cooperation Agreement
Feb. 22, 2010
Submission regarding Draft Guideline to Licensees – Sale of Segregated Funds
Feb. 5, 2010
Letter regarding Incorporation of Mutual Fund and Securities Advisors
Jan. 21, 2010
Submission regarding Incorporation of Registered Salespersons
Dec. 17, 2009
Letter regarding Improving Canada’s Retirement Income System
Dec. 14, 2009
Letter regarding Improving Canada’s Retirement Income System
Dec. 9, 2009
Letter regarding Improving Canada’s Retirement Income System
Dec. 7, 2009
Letter regarding Improving Canada’s Retirement Income System
Dec. 7, 2009
Letter regarding Insurance Business (Bank & Bank Holding Companies) Regulation
Nov. 11, 2009
Submission regarding CSA NOTICE 81-318 – Request for Comment Regarding Framework 81-406 Point of sale disclosure for mutual funds.
Oct. 16, 2009
Submission regarding Telecom Information Bulletin CRTC 2009-282
Oct. 6, 2009
Submission regarding Bill 6 Insurance Amendment Act 2009
Oct. 2, 2009
Submission to Alberta Finance and Enterprise regarding Consultation on Proposed Regulations for the Amended Insurance Act
Oct. 1, 2009
Submission regarding the Mutual Fund Dealers Association of Canada’s Proposed Amendments to MFDA Rule 2.4.1 Payment of Commissions to Unregistered Corporation
Sep. 17, 2009
Letter re. Alberta’s Credit Union Act & TILMA
Sep. 9, 2009
Submission regarding the Consultation on Unlocking Pension Funds
Sep. 8, 2009
Letter regarding the Regulation of the Incidental Sale of Insurance
Aug. 28, 2009
Submission regarding Bill C-27, The Electronic Protection Act
Aug. 14, 2009
Submission to Mutual Fund Dealers Association of Canada
Jul. 23, 2009
Submission regarding Ontario Securities Commission 2009-2010 Statement of Priorities
Jun. 1, 2009
Letter to regarding Reform of Pensions in Saskatchewan
May 25, 2009
Submission regarding FSCO Statement of Priorities
May 21, 2009
Submission regarding its Review of the Amendments to the Credit Union Act, 1998
May 12, 2009
Letter regarding Bill 20, Civil Enforcement Amendment Act, 2009
May 7, 2009
Letter regarding Bill 11: Act Respecting Credit Unions
May 6, 2009
Letter regarding the Registered Deposit Brokers Association (RDBA)
Apr. 30, 2009
Letter regarding Advocis Response to the OSC Statement to the Standing Committee on Government Agencies
Apr. 24, 2009
Letter regarding Life Insurance Replacement Disclosure Requirements
Apr. 16, 2009
Submission regarding Pension Reforms and the Expert Commission on Pensions Report
Apr. 8, 2009
Submission regarding Advisor Incorporation
Apr. 7, 2009
Submission regarding Regulation of Incidental Sale of Insurance
Apr. 2, 2009
Submission regarding Regulation of the Incidental Sale of Insurance
Mar. 26, 2009
Submission regarding Proposed Ontario Regulation to be made under the Credit Unions and Caisses Populaires Act, 1994
Mar. 24, 2009
Submission regarding Intermediary Regulation Committee Consultation Session
Mar. 23, 2009
Submission regarding Reform of Pension Standards Legislation in British Columbia
Mar. 23, 2009
Submission regarding GST – PST Harmonization
Mar. 23, 2009
Submission to the Standing Committee on Government Agencies of the Legislative Assembly of Ontario
Feb. 23, 2009
Submission regarding the Joint Forum Strategic Plan 2009-2012
Jan. 19, 2009
2009 Ontario Pre-Budget Submission to the Legislative Assembly of Ontario Standing Committee on Finance and Economic Affairs
Jan. 16, 2009
CSA Notice 81-318 – Request For Comment regardLetter regarding Telecom Public Notice CRTC 2008-14: Call for comments on potential modifications to some Unsolicited Telecommunications Rulesing Framework 81-406 Point of sale disclosure for mutual funds and segregated funds.
Dec. 19, 2008
Letter regarding Telecom Public Notice CRTC 2008-14: Call for comments on potential modifications to some Unsolicited Telecommunications Rules
Dec. 3, 2008
Incorporation of Licensed Salespersons
Nov. 20, 2008
Bill 119, Workplace Safety and Insurance Amendment Act, 2008
Nov. 18, 2008
Incorporation letter to Manitoba
Nov. 17, 2008
Letter re. Alberta’s Credit Union Act
Nov. 12, 2008
Letter re: Regulation of Financial Planning
Nov. 11, 2008
Incorporation letter to Saskatchewan
Oct. 23, 2008
Incorporation Letter to Nova Scotia
Oct. 22, 2008
Incorporation Letter to Ontario
Oct. 21, 2008
Incorporation Letter to BC
Oct. 20, 2008
Advocis’ submission on Proposed Regulation of Incidental Sale of Insurance “ISI”
Sep. 30, 2008
Advocis’ submission on Joint Notice and Request for Comment of Certain Recognizing Regulators of the Mutual Fund Dealers Association of Canada – Application to Amend Recognition Order: Suspension of MFDA Rule 2.4.1
Sep. 29, 2008
Submission regarding Newfoundland and Labrador’s Credit Union Act
Sep. 26, 2008
Proposed Regulation under the Substitute Decisions Act, 1992
Sep. 12, 2008
Advocis’ submission on MFDA Proposed Amendments to MFDA Rule 2.2 (Client Accounts) and MFDA Policy No. 2 Minimum Standards for Account Supervision
Sep. 11, 2008
Advocis’ submission on MFDA Proposed Amendments to Rule 5.3 (Client Reporting) and MFDA Rule 2.8 (Client Communications)
Sep. 11, 2008
Advocis’ submission to the Investment Industry Regulatory Organization of Canada (IIROC) regarding the Proposed Financial Planning Rule.
Sep. 8, 2008
Advocis’ Comments to MFDA Proposed Amendments to MFDA By-Law No. 1, Sec. 25.4
Jul. 16, 2008
Advocis’ submission regarding Creating an Advantage in Global Capital Markets
Jul. 15, 2008
Advocis’ submission regarding Incorporation of Licensed Salespersons
Jun. 26, 2008
Advocis’ submission regarding CSA Proposed National Instrument 31-103 Registration Requirements
May 29, 2008
Advocis’ submission regarding Government of Ontario Draft Act Amendments Proposed National Instrument 31-103 Registration Requirements
May 29, 2008
Advocis’s submission regarding FSCO Statement of Priorities – June 2008
May 29, 2008
Submission to Securities Commission regarding Ontario Securities Commission’s Draft Statement of Priorities for Fiscal 2008/09
May 29, 2008
Advocis’ submission to the IDA regarding Implementation of the Client Relationship Model
May 21, 2008
Advocis’ Comments Regarding Incidental Selling of Insurance
Apr. 28, 2008
Advocis’ Response to CCIR – An Approach to Risk-based Market Conduct Regulation
Feb. 29, 2008
Advocis’ Submission re: Section 158 of the Securities Act of PEI – Calls to Residences
Feb. 8, 2008
Advocis’ Submission re: Proposed Changes to Continuing Education for Life Insurance Agents
Jan. 30, 2008
Advocis’ Submission re: Reviewing Ontario’s Pension System
Nov. 21, 2007
Advocis’ Submission re: Guidance Notes for the Marketing and Sale of Segregated Funds
Nov. 2, 2007
Advocis’ Submission on the Proposed Framework 81-406 Point of Sale Disclosure for Mutual Funds and Segregated Funds
Oct. 15, 2007
Advocis’ Submission re: Proceeding to consider the delegation of the Commission’s investigative powers with regard to Unsolicited Telecommunications Rules complaints – Telecom Public Notice CRTC 2007-15
Oct. 1, 2007
Advocis’ Submission re: Proposed Segregated Fund Marketing Guideline
Aug. 3, 2007
Advocis’ Submission to OSC re: OSC’s Draft Statement of Priorities 2007/08
Jun. 11, 2007
Advocis’ Comments on the June 2007 Financial Services Commission of Ontario Draft Statement of Priorities
Jun. 1, 2007
Advocis Submission to the Supreme Court of Canada, March 28, 2006
Mar. 28, 2006
Advocis’ Submission regarding the Incorporation of Licensed Salesperson
May 11, 2007
Advocis’ Submission regarding the Insurance Act Review Discussion Paper
May 1, 2007
Advocis’ Submission to the Manitoba Securities Commission regarding incorporation of licenced salespersons
Mar. 23, 2007