Initiative/Project Name: | Capital Accumulation Plans | |
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Description: |
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:
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Document | Date Published | |
CAP Q & A | January 29, 2010 | |
News Release | April 20, 2009 | |
CAP Brochure | April 1, 2005 | |
CAP Guidelines | May 28, 2004 |
Initiative/Project Name: | Product Disclosure and Regulation | |
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Description: |
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:
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Final Documents | Date Published | |
Financial Product Development Standards and Practices | April 2, 2013 |
Initiative/Project Name: | FSON - Framework | |
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Description: | 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). | |
Final Documents: | Date Published | |
FSON Framework | August 10, 2007 |
Initiative/Project Name: | Point of Sale | |
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Description: | 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. | |
Final Documents: | Date Published | |
Framework 891-406 POS Disclosure | October 24, 2008 | |
Letter to Stakeholders | October 24, 2008 | |
Background Summary | October 24, 2008 | |
News Release | October 24, 2008 |
Initiative/Project Name: | Practice Standards | |
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Description: | 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. | |
Final Documents: | Date Published | |
Final Principles and Practices | January 28, 2005 | |
Consumer's Guide | January 28, 2005 | |
News Release | January 28, 2005 | |
Backgrounder | January 28, 2005 | |
Letter to Stakeholders | January 28, 2005 |