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Ontario Securites Commision - Investor offices
Investor News
May 15, 2019

Getting financially fit is a lot like getting physically fit. It takes hard work, planning and discipline, and getting started is often the hardest part.

The first step is to understand your current financial health by finding out how much you own, owe, earn, and spend.

Next, think about what your financial goals are. The strongest financial goals are specific and measurable. Your goals should also be realistic and based on your current financial situation. For example, instead of saying that you want to have enough money to retire comfortably, think about how much money you’ll need. Perhaps your specific goal will be to save $500,000 by the time you’re 65. Learn more


Gig Economy

The “gig economy” is where people typically find temporary, short-term jobs as independent contractors, consultants or freelancers.

As a gig worker, your income could fluctuate depending on the amount and type of work you find. Managing financial priorities can be a challenge at times, especially when you’re also trying to save, invest or reduce debt. Read our new article to learn about these 3 money management tips.


Market Bubbles

A market bubble can occur when the price of an investment rises quickly to well above its true value and is followed by a sudden, sharp decline in value. People, often driven by emotion, put so much demand on an investment causing the price to rise significantly to more than its actual worth. Read our new article to learn more.


The Cranial Cash Clash

Self-assessment can be an important first step in better educating yourself about finances. The Cranial Cash Clash is a financial literacy game that helps you test your knowledge on important topics like spending, saving, investing, debt and investment fraud.

Visit for more popular and free articles, tools and calculators to help you with your finances.


Extra Income

Receiving unexpected or extra income is always welcome, but people may be unsure of what to do with it. Read our new article for 4 financially responsible things to do with extra income.


Pay Down Debt or Invest Calculator

If you have extra money, should you pay off debt or invest? Use this calculator to help you decide by finding out what your investment must earn – before tax, if applicable – to match the return from using your money to reduce debt.

Visit for many more calculators to help you with your finances.

Re: Investing - Ask Us An Investing Question

Ask Us An Investing Question

Investing and the investment world can be complex. Our Re: Investing website offers clear, unbiased answers to your questions about investing, from a trusted source. Here are some recent questions and our responses:

“ETF vs ETP — what are they?”
“What is a stock split and a reverse stock split?”
“If I am 71, can I defer the minimum RRIF withdrawal until the end of the following year?”


Buying on Margin

You may be able to borrow money from your investment firm to pay for part of your investments. This is called buying on margin. Buying on margin allows you to buy more shares than you would normally be able to afford but it also comes with greater risks. Learn more


Tracking Your Returns

Track your investment progress against your goals so you can make any necessary adjustments along the way. Regularly check the account statements for all of your investments so you know how much you’ve earned towards your goals. You can also compare your returns with those of similar investments in a benchmark index. Learn more


Affinity Fraud

Affinity fraud is a form of investment fraud in which fraudsters approach potential victims through a group or community organization that they belong to. These groups could be religious groups, ethnic groups, or even workforce communities.

Fraudsters will use their targets’ group identity to gain their trust. Once they have established strong relationships, they convince people to invest in their scheme. Learn more


There are many ways people can invest in the real estate market without buying and maintaining properties on their own. But while real estate can help diversify your investment portfolio, real estate investment products have their own unique features and risks that anyone looking to invest should fully understand. Visit to learn more


New Commissioners

The Ontario Securities Commission (OSC) recently announced the appointments of Craig Hayman and Raymond Kindiak to the Commission, both serving two-year terms. Biographical information on all Commissioners is available on the OSC website.

The Commission has two related but independent roles. It serves as the Board of Directors of the OSC and performs a regulatory function, which includes making rules and policies and adjudicating administrative proceedings.


The Canadian Investor Protection Fund (CIPF) provides limited protection for property held by a CIPF member firm on behalf of an eligible client, if the firm becomes insolvent. CIPF's mandate was established by Canada's provincial and territorial securities regulators, including the Ontario Securities Commission. Watch this new CIPF video to learn more about what they do.


Registration for the May 27, 2019 burden reduction roundtable is open. This is the third roundtable and part of the OSC’s ongoing consultation on reducing regulatory burden in Ontario’s capital markets and improving the investor experience.

In this working meeting, senior OSC staff will discuss how the OSC is considering the evaluation and prioritization of the burden reduction opportunities identified during the consultation process in OSC Staff Notice 11-784: Burden Reduction.

The upcoming roundtable will explore opportunities to streamline regulation related to trading, marketplaces, issuer requirements and derivatives.


The OSC's independent Investor Advisory Panel (IAP) recently released its 2018 Annual Report summarizing its activities, submissions, consultations, and meetings during the calendar year.

The IAP advises and comments on proposed rules, policies and investor protection initiatives, while considering the views of a broad range of investors through consultation with investors and organizations representing investors. The IAP is comprised of nine members appointed by the OSC Chair following a public application process and on the advice of a selection committee consisting of two Commissioners and a Vice-Chair.




Proposed Framework for Crypto-Asset Trading Platforms

Comments due: May 15, 2019

The Canadian Securities Administrators (CSA) and Investment Industry Regulatory Organization of Canada published Joint Canadian Securities Administrators/Investment Industry Regulatory Organization of Canada Consultation Paper 21-402 Proposed Framework for Crypto-Asset Trading Platforms. 

Learn more


Request for Comments Regarding OSC Statement of Priorities for Financial Year to End March 31, 2020

Comments due: May 27, 2019

The Securities Act requires the OSC to deliver to the Minister and publish in its Bulletin each year a statement of the Chair setting out the proposed priorities of the OSC for its current fiscal year in connection with the administration of the Act, the regulations and rules, together with a summary of the reasons for the adoption of the priorities.

Learn more


Proposed Designated Benchmarks Rule

Comments due: June 12, 2019

The CSA published for comment a proposed rule, National Instrument 25-102 Designated Benchmarks and Benchmark Administrators (Proposed NI 25-102), intended to implement a comprehensive regime for the designation and regulation of benchmarks and those that administer them.

Learn more


Proposed Designated Benchmarks Rule

Comments due: June 12, 2019

The OSC published for comment proposed Ontario Securities Commission Rule 25-501 (Commodity Futures Act) Designated Benchmarks and Benchmark Administrators, Companion Policy 25-501 (Commodity Futures Act) Designated Benchmarks and Benchmark Administrators, and proposed consequential amendments to Ontario Securities Commission Rule 11-501 Electronic Delivery of Documents to the Ontario Securities Commission.

Learn more


Proposed Amendments for Reporting Requirements for Marketplaces and Information Processors

Comments due: July 17, 2019

The CSA published for comment Proposed Amendments to National Instrument 21-101 Marketplace Operation and Proposed Changes to Companion Policy 21-101CP Marketplace Operation.

Learn more


Proposed National Systems Renewal Program Rule and Related Amendments

Comments due: July 31, 2019

The CSA set out next steps for a new integrated national information and filing system (the Renewed System) for Canada’s capital markets. The CSA is also proposing a new rule, National Instrument 13-103 System Replacement Rule, which would require filers to electronically transmit all documents to securities regulators through the new system, subject to certain exceptions.

Learn more


Proposed Repeal and Replacement of Multilateral Instrument 13-102 System Fees for SEDAR and NRD

Comments due: July 31, 2019

The CSA set out next steps for a new integrated national information and filing system (the Renewed System) for Canada’s capital markets. The CSA is proposing to revise Multilateral Instrument 13-102 System Fees for SEDAR and NRD to implement a flat-fee model, rather than the current model where system fees are based on the number of jurisdictions where documents are filed.

Learn more


Request for Comments on Proposed Amendments for At-the-Market Shelf Distributions

Comments due: August 7, 2019

The CSA published for comment proposed amendments to CSA National Instrument 44-102 Shelf Distributions (Proposed NI 44-102), which would replace exemptive relief that reporting issuers have generally required to conduct at-the-market (ATM) distributions of equity securities.

Learn more




Always know the 10 most recent OSC investor warnings and alerts by bookmarking this Fact Card or embedding it on your website or blog.



The OSC is warning investors that WiseBanc is not registered in Ontario to solicit investments, trade securities, or provide advice on investing in, buying, or selling securities. Learn more


International Commodities Group

The OSC is warning investors that International Commodities Group (ICG) is not registered to sell securities in Ontario. Learn more


IOSCO Investor Alerts

Stay informed about the latest international investor warnings and alerts by visiting the International Organization of Securities Commissions (IOSCO) Investor Alerts Portal.




OSC in the Community

OSC staff are taking the Commission's regulatory mandate from Bay Street to Main Street with seminars on preventing fraud and making informed investment decisions.

  • May 22, 2019 - Thorold
  • May 30, 2019 - Toronto (Downtown)
  • June 11, 2019 - Toronto (Scarborough)
  • June 11, 2019 - Richmond Hill
  • June 13, 2019 - Sudbury
  • June 18, 2019 - Chesley
  • June 18, 2019 - Kincardine
  • June 19, 2019 - Owen Sound
  • June 21, 2019 - North Bay
  • June 25, 2019 - Toronto (Scarborough)

Learn more

oscar - owl

Learn about these 3 types of power of attorney (POA).

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