Past Publications
Final Documents
Initiative/Project Name: Capital Accumulation Plans
In these guidelines, a capital accumulation plan (CAP or plan) is a tax assisted investment or savings plan that permits the members of the CAP to make investment decisions among two or more options offered within the plan. The intent of these guidelines is to:
- outline and clarify the rights and responsibilities of CAP sponsors, service providers and CAP members; and,
- ensure that CAP members are provided the information and assistance that they need to make investment decisions in a capital accumulation plan.
| Date Published | Document |
| January 29, 2010 |  Frequently Asked Questions |
| April 20, 2009 | News Release |
| April 1, 2005 | Capital Accumulation Plans Brochure |
| May 28, 2004 | Guidelines for Capital Accumulation Plans |
Initiative/Project Name: Product Disclosure and Regulation
The Joint Forum undertook an initiative to examine the responsibilities of financial product manufacturers, intermediaries and consumers to ensure that Canadian consumers are offered suitable products and are able to make informed decisions. The initial focus of the initiative was on product manufacturers, their risk assessment and product disclosure practices as they relate to consumers. Based on its work, the Joint Forum Product Disclosure and Regulation Committee has prepared a report on financial product development standards and practices consisting of:
- A research paper on current requirements, standards and practices for product manufacturers in the United Kingdom, United States and Canada;
- A summary of findings based on the research paper and reports by the Canadian Life and Health Insurance Association (CLHIA) and the Investment Funds Institute of Canada (IFIC) on practices and processes for product development for individual variable insurance contracts (IVICs) and mutual funds, respectively; and
- A list of other financial products which could be looked at.
| Date Published | Document |
| April 2, 2013 | Financial Product Development -- Standards and Practices |
Initiative/Project Name: Financial Services OmbudsNetwork - Framework
This framework and its attachments describe a framework for ongoing collaboration among the regulators of the financial services industry, both federal and provincial, and the OmbudServices which make up the Financial Services OmbudsNetwork (the FSON), namely the Ombudservice for Life and Health Insurance (OLHI), the General Insurance OmbudService (GIO) and the Ombudsman for Banking Services and Investments (OBSI).
| Date Published | Document |
| August 10, 2007 | The Financial Services OmbudsNetwork – A Framework for Collaboration |
Initiative/Project Name: Point of Sale
The framework describes the elements of the Joint Forum's point of sale disclosure system, including a new mandatory fund summary document called Fund Facts, to be delivered to investors before they buy a fund, and a new simplified "cooling off" right for an investor to cancel a purchase.
| Date Published | Document |
| October 24, 2008 | Framework 81-406 Letter to Stakeholders Background Summary News Release |
Initiative/Project Name: Practice Standards
The Joint Forum statement of Principles and Practices for the Sale of Products and Services in the Financial Sector has been developed by regulators from all jurisdictions except Quebec and across all financial product sectors. It is expected that these principles and practices will be incorporated into the codes of conduct of financial industry associations and followed by all financial intermediaries in the distribution of financial products and services.
| Date Published | Document |
| January 28, 2005 | Final Principles and Practices Consumer's Guide News Release Backgrounder Letter to Stakeholders |
Past Initiative/Project
Select the initiative name for more information on the project, or select the document name to open the document directly.
| Initiative / Project Name | Document | Publication Date | Description |
|---|---|---|---|
| Capital Accumulation Plans | Frequently Asked Questions |
January 29, 2010 | Joint Forum Capital Accumulation Plan Guidelines - Frequently Asked Questions |
| Capital Accumulation Plans | Communications Release |
April 20, 2009 | News Release regards a review of the JF CAP Guidelines |
| Consumer Education and Information | Financial Literacy Report |
March 25, 2009 | Reaching Higher: Canadian Conference on Financial Literacy Final Report |
| Consumer Education and Information | Financial Literacy Brochure |
March 25, 2009 | Brochure regarding Canadian Conference on Financial Literacy |
| Point of Sale | Framework 81-406 |
October 24, 2008 | Final Framework 81-406 Point of Sale Disclosure for Mutual Funds and Segregated Funds |
| Point of Sale | Letter to Stakeholders |
October 24, 2008 | Letter to stakeholders regarding the Final POS Framework 81-406 |
| Point of Sale | Background Summary |
October 24, 2008 | Background summary regarding POS Framework 81-406 |
| Point of Sale | News Release |
October 24, 2008 | News release from Joint Forum regarding POS Framework 81-406 |
| Consumer Education and Information | News Release |
September 3, 2008 | News release regarding Financial Literacy Conference |
| Point of Sale | Stakeholder Comments 2007 - A through I |
October 15, 2007 | Stakeholder responses to Proposed Framework 81-406 - A through I |
| Point of Sale | Stakeholder Comments 2007 - J through P |
October 15, 2007 | Stakeholder responses to Proposed Framework 81-406 - J through P |
| Point of Sale | Stakeholder Comments 2007 - Q through Z |
October 15, 2007 | Stakeholder responses to Proposed Framework 81-406 - Q through Z |
| Financial Services OmbudsNetwork - Framework | The Financial Services OmbudsNetwork – A Framework for Collaboration |
August 10, 2007 | The Financial Services OmbudsNetwork - A Framework for Collaboration |
| General Joint Forum Information | CSA News Release |
June 22, 2007 | Canadian Securities Administrators National Instrument 24-101 Institutional Trade Matching and Settlement |
| Point of Sale | Proposed Framework 81-406 |
June 15, 2007 | Proposed Framework 81-406 Point of Sale Disclosure for Mutual Funds and Segregated Funds |
| Point of Sale | Proposed Framework Appendices 1-3 |
June 15, 2007 | Proposed Framework 81-406 Appendices 1-3 |
| Point of Sale | Proposed Framework Appendices 4-5 |
June 15, 2007 | Proposed Framework 81-406 Appendices 4-5 |
| Point of Sale | Background Summary |
June 15, 2007 | Background Summary regarding Proposed POS Framework 81-406 |
| Point of Sale | Letter to Stakeholders |
June 15, 2007 | Letter to stakeholders regarding Proposed POS Framework 81-406 |
| Point of Sale | News Release |
June 15, 2007 | News Release regarding Proposed POS Framework 81-406 |
| General Joint Forum Information | CSA News Release |
April 22, 2006 | Canadian Securities Administrators National Instrument 24-101 Institutional Trade Matching and Settlement |
| General Joint Forum Information | Newsletter |
Spring 2006 | Joint Forum Spring 2006 Newsletter |
| Capital Accumulation Plans | Capital Accumulation Plans Brochure |
April 1, 2005 | Guidelines for Capital Accumulation Plans - Brochure |
| Practice Standards | Final Principles and Practices |
January 28, 2005 | Final Principles and Practices for the Sale of Products and Services in the Financial sector |
| Practice Standards | Consumer's Guide |
January 28, 2005 | Consumer's Guide to Financial Transactions |
| Practice Standards | News Release |
January 28, 2005 | News release from Joint Forum regarding release of Final Principles and Practices |
| Practice Standards | Backgrounder |
January 28, 2005 | Backgrounder regarding release of Final Principles and Practices |
| Practice Standards | Letter to Stakeholders |
January 28, 2005 | Letter to stakeholders regarding release of Final Principles and Practices |
| General Joint Forum Information | Newsletter |
Summer 2004 | Joint Forum Summer 2004 Newsletter |
| Capital Accumulation Plans | Guidelines for Capital Accumulation Plans |
May 28, 2004 | Guidelines for Capital Accumulation Plans |
| Capital Accumulation Plans | News Release |
May 28, 2004 | News release regarding CAP Guidelines |
| Capital Accumulation Plans | Backgrounder |
May 28, 2004 | Backgrounder regarding CAP Guidelines |
| Capital Accumulation Plans | Summary of Stakeholder Comments |
May 28, 2004 | Summary of stakeholder comments and regulators responses to the Proposed CAP Guidelines |
| Capital Accumulation Plans | Stakeholder Responses |
May 28, 2004 | Stakeholder responses to the Proposed Guidelines for Capital Accumulation Plans |
| General Joint Forum Information | Newsletter |
Fall /Winter 2003 | Joint Forum Fall / Winter 2003 Newsletter |
| Point of Sale | News Release |
August 1, 2003 | Disclosure System for Segregated Funds and Mutual Funds Consultation Ends |
| Practice Standards | Summary of Comments and Responses |
May 29, 2003 | Summary of stakeholder responses to Proposed Principles and Practices Consultation |
| Practice Standards | Stakeholder Submissions |
May 29, 2003 | Stakeholder comments regarding proposed Principle and Practices Consultation |
| General Joint Forum Information | Newsletter |
Spring/Summer 2003 | Joint Forum Spring/Summer 2003 Newsletter |
| Point of Sale | Summary of Responses |
April 30, 2003 | Summary of Stakeholder comments and responses to 81-403 Consultation Document |
| Point of Sale | Stakeholder Submissions |
April 30, 2003 | Stakeholder submissions regarding Rethinking Point of Sale Disclosure 81-403 |
| Capital Accumulation Plans | Proposed CAP Guidelines |
April 25, 2003 | Proposed Guidelines for Capital Accumulation Plans |
| Capital Accumulation Plans | News Release |
April 25, 2003 | News Release regarding Joint Forum's Proposed Guidelines for Capital Accumulation Plans |
| Capital Accumulation Plans | Backgrounder |
April 25, 2003 | Backgrounder - Proposed CAP Guidelines |
| Practice Standards | Consultation Document |
March 6, 2003 | Proposed Principles and Practices Consultation Document |
| Practice Standards | Consumer Guide |
March 6, 2003 | Proposed Consumer's Guide to Financial Transactions |
| Practice Standards | Letter to Stakeholders |
March 6, 2003 | Letter to Stakeholders regarding consultation on Proposed Principles |
| Practice Standards | Backgrounder |
March 6, 2003 | Backgrounder regarding consultation document on Proposed Principles |
| Practice Standards | Industry Examples |
March 6, 2003 | Descriptive examples to enhance intermediaries' understanding of the principles and practices |
| Point of Sale | News Release |
February 13, 2003 | Regulators propose a unique disclosure system tailored for Segregated Funds and Mutual Funds |
| Point of Sale | Consultation Paper 81-403 |
February 13, 2003 | rethinking Point of Sale Disclosure for Segregated Funds and Mutual Funds - Consultation Paper 81-403 |
| Point of Sale | Background Summary |
February 13, 2003 | Background research regarding Consultation Paper 81-403 |
| Capital Accumulation Plans | Revised Principles |
January 15, 2003 | Revised principles for investment disclosure in Capital Accumulation Plans |
| Capital Accumulation Plans | Letter to Stakeholders |
January 15, 2003 | Update letter to stakeholders re CAP Guidelines |
| Capital Accumulation Plans | Stakeholder Comments |
May 24, 2002 | Stakeholder responses to the Proposed Regulatory Principles for Capital Accumulation Plans |
| Capital Accumulation Plans | Backgrounder |
May 24, 2002 | Backgrounder regarding Proposed Regulatory Principles for CAPs |
| Capital Accumulation Plans | Letter to Stakeholders |
May 24, 2002 | Progress report to stakeholders regarding Proposed Regulatory Principles for CAPs |
| Capital Accumulation Plans | Proposed Regulatory Principles |
April 27, 2001 | Proposed Regulatory Principles for Capital Accumulation Plans |
| General Joint Forum Information | Newsletter |
Fall 2000 | Joint Forum Newsletter - Fall 2000 |
| Individual Variable Insurance Contracts (IVICs) and Mutual Funds | Recommendations |
December 15, 1999 | 15-point recommendation for changes in the regulation of IVICs (Segregated Funds) and Mutual Funds |
| Individual Variable Insurance Contracts (IVICs) and Mutual Funds | Comparative Study |
May 7, 1999 | 100-point comparative study of IVICs (Segregated Funds) and Mutual Funds |