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From Next Best to World Class: the People and Events That Have
FROM NEXT BEST TO WORLD CLASS The People and Events That Have Shaped the Canada Deposit Insurance Corporation 1967–2017 C. Ian Kyer FROM NEXT BEST TO WORLD CLASS CDIC—Next Best to World Class.indb 1 02/10/2017 3:08:10 PM Other Historical Books by This Author A Thirty Years’ War: The Failed Public Private Partnership that Spurred the Creation of the Toronto Transit Commission, 1891–1921 (Osgoode Society and Irwin Law, Toronto, 2015) Lawyers, Families, and Businesses: A Social History of a Bay Street Law Firm, Faskens 1863–1963 (Osgoode Society and Irwin Law, Toronto, 2013) Damaging Winds: Rumours That Salieri Murdered Mozart Swirl in the Vienna of Beethoven and Schubert (historical novel published as an ebook through the National Arts Centre and the Canadian Opera Company, 2013) The Fiercest Debate: Cecil Wright, the Benchers, and Legal Education in Ontario, 1923–1957 (Osgoode Society and University of Toronto Press, Toronto, 1987) with Jerome Bickenbach CDIC—Next Best to World Class.indb 2 02/10/2017 3:08:10 PM FROM NEXT BEST TO WORLD CLASS The People and Events That Have Shaped the Canada Deposit Insurance Corporation 1967–2017 C. Ian Kyer CDIC—Next Best to World Class.indb 3 02/10/2017 3:08:10 PM Next Best to World Class: The People and Events That Have Shaped the Canada Deposit Insurance Corporation, 1967–2017 © Canada Deposit Insurance Corporation (CDIC), 2017 All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, without the prior written permission of the publisher. -
Planning an Evolution: the Story of the Canadian Payments Association, 1980–2002
Planning an Evolution: The Story of the Canadian Payments Association, 1980–2002 James F. Dingle Bank of Canada A Joint Publication of the Bank of Canada and the Canadian Payments Association The Canadian Payments Association was established by an Act of Parliament in 1980 as a regulated public-purpose organization, with a mandate to “establish and operate a national clearings and settlement system and to plan the evolution of the national payments system.” Contents Acknowledgements ix Introduction xi 1 Anticipating the Electronic Era 1 The Seminal Statement 1 The Computer/Communications Revolution 2 Branching Out 2 Towards an Electronic Payments System 3 The Canadian Payments System Standards Group 3 The White Paper on the Revision of Banking Legislation 5 2 The Act of Creation 7 The Key Idea 7 Objectives and Powers 7 Governance: The Board of Directors 11 3 Integration of the Non-Bank Financial Institutions 13 The NBFIs in the Cheque-Based Payments System 13 Acceptability of NBFI Items to the General Public 13 Acceptability of NBFI Items Presented on Deposit 14 Acceptability of the NBFIs to the Clearing Agents 15 Integration of the NBFIs—in Human Terms 16 vi Contents 4 Automation of the Clearings 19 The State of the Clearing Process in the Early 1980s 19 Design Objectives of the ACSS 20 Project-Management Challenges Posed by the ACSS 21 The Technology Used for the ACSS 22 The ACSS in Production 22 5 The Bank Failures of September 1985 25 Background 25 Main Events 26 Immediate Aftermath 29 Longer-Term Impact 30 6 The Emergence of EFT/POS -
Rule D4 Institution Numbers and Clearing Agency/Representative Arrangements
RULE D4 INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS 2021CANADIAN PAYMENTS ASSOCIATION This Rule is copyrighted by the Canadian Payments Association. All rights reserved, including the right of reproduction in whole or in part, without express written permission by the Canadian Payments Association. Payments Canada is the operating brand name of the Canadian Payments Association (CPA). For legal purposes we continue to use “Canadian Payments Association” (or the Association) in these rules and in information related to rules, by-laws, and standards. RULE D4 – INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS TABLE OF CONTENTS IMPLEMENTED ............................................................................................... 3 AMENDMENTS PRE-NOVEMBER 2003 ........................................................ 3 AMENDMENTS POST-NOVEMBER 2003 ..................................................... 3 INTRODUCTION ................................................................................................................. 6 ELIGIBILITY......................................................................................................................... 6 INSTITUTION NUMBERS ................................................................................................... 6 AMALGAMATION AND ACQUISITION .............................................................................. 6 NON-MEMBER ENTITIES .................................................................................................. -
How We Are Building the Better Bank
How we are building The Better Bank 2014 Corporate Responsibility Report Designed to be viewed online This report is designed to be viewed Note: Throughout this report, “TD” refers to TD Bank Symbol key Group. “TD Bank” refers to TD Bank, America’s Most online. The links provide access to more Convenient Bank®. All currency is in Canadian dollars Table of Contents details, additional resources, supporting unless otherwise noted. All material restatements + Supporting content (external links) and significant changes from the previous report are videos and case studies. described in the performance data footnotes. Navigate to a different section GRI: TD has used the Global Reporting Initiative (GRI) Facts and figures over which Ernst & Young LLP framework for corporate responsibility reporting since provided limited level of assurance 2007. TD’s 2014 Corporate Responsibility Report is Facts and figures over which Ernst & Young LLP On the cover written in accordance with the G4 framework and provided reasonable level of assurance fulfils the requirements for a Core report. EN7 Indicates a GRI disclosure. Click to view the full GRI Index online. + Online GRI Index Ways to reach us Materiality Disclosure Service: TD’s 2014 Corporate Responsibility Report has successfully We interact with several stakeholder groups on a daily and/or completed the Materiality Disclosure Service. weekly basis, responding to the issues and concerns brought to our attention. If you would like to contact TD with feedback, here are a few ways to reach us: How we are building External Assurance Reports: Selected The Better Bank performance indicators were independently assured by Customers: [email protected] Ernst & Young LLP. -
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page Reporting Issuers Default When a reporting issuer is noted in default, standardized codes (a number and, if applicable a letter, described in the legend below) will be appear in the column 'Nature of Default'. Every effort is made to ensure the accuracy of this list. A reporting issuer that does not appear on this list or that has inappropriately been noted in default should contact the Alberta Securities Commission (ASC) promptly. A reporting issuer’s management or insiders may be subject to a Management Cease Trade Order, but that order will NOT be shown on the list. Legend 1. The reporting issuer has failed to file the following continuous disclosure document prescribed by Alberta securities laws: (a) annual financial statements; (b) an interim financial report; (c) an annual or interim management's discussion and analysis (MD&A) or an annual or interim management report of fund performance (MRFP); (d) an annual information form; (AIF); (e) a certification of annual or interim filings under National Instrument 52-109 Certification of Disclosure in Issuers' Annual and Interim Filings (NI 52-109); (f) proxy materials or a required information circular; (g) an issuer profile supplement on the System for Electronic Disclosure By Insiders (SEDI); (h) a material change report; (i) a written update as required after filing a confidential report of a material change; (j) a business acquisition report; (k) the annual oil and gas disclosure prescribed by National Instrument -
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page Reporting Issuers Default When a reporting issuer is noted in default, standardized codes (a number and, if applicable a letter, described in the legend below) will be appear in the column 'Nature of Default'. Every effort is made to ensure the accuracy of this list. A reporting issuer that does not appear on this list or that has inappropriately been noted in default should contact the Alberta Securities Commission (ASC) promptly. A reporting issuer’s management or insiders may be subject to a Management Cease Trade Order, but that order will NOT be shown on the list. Legend 1. The reporting issuer has failed to file the following continuous disclosure document prescribed by Alberta securities laws: (a) annual financial statements; (b) an interim financial report; (c) an annual or interim management's discussion and analysis (MD&A) or an annual or interim management report of fund performance (MRFP); (d) an annual information form; (AIF); (e) a certification of annual or interim filings under National Instrument 52-109 Certification of Disclosure in Issuers' Annual and Interim Filings (NI 52-109); (f) proxy materials or a required information circular; (g) an issuer profile supplement on the System for Electronic Disclosure By Insiders (SEDI); (h) a material change report; (i) a written update as required after filing a confidential report of a material change; (j) a business acquisition report; (k) the annual oil and gas disclosure prescribed by National Instrument -
Alberta's Public Bank
alberta’ s public bank: how atb can help shape the new economy Bob Ascah and Mark Anielski This report was published by Parkland Institute August 2018 © All rights reserved. About the Authors ii About Parkland Institute iii Executive Summary 1 Introduction 7 1. What is ATB? 8 2. A Short History of ATB 9 Political Lending 11 ATB Expands 13 The WEM Scandal 14 CONTENTS Rebuild or Privatize? 16 The WEM Scandal Continues 18 Lessons 21 The Possibility of Privatization 22 3. Public Banking 24 4. How Banks Create Money 29 5. ATB and Financial Powers 32 6. Policy Ideas and Conclusion 35 Endnotes 41 Select Bibliography 55 Figures All Parkland Institute reports are available free of Table 1 Terms of Superintendent/President and CEO of ATB 11 charge at parklandinstitute.ca. Printed copies can be ordered for $10. Chart 1 ATB Loans and Chartered Banks’ Alberta Business Loans, 1980–1990 14 Your financial support helps us to continue to Table 2 Comparison of Private Banks, Public Banks, Credit Unions, 24 offer our publications free online. and ATB Financial To find out how you can support Parkland Institute, to order printed copies, or to obtain Table 3 Comparison of ATB Financial, Servus Credit Union, and Bank 26 rights to copy this report, please contact us: of North Dakota Parkland Institute Table 4 Comparison of the Canadian Retail Operations of Canada’s Five 27 University of Alberta 1-12 Humanities Centre Largest Banks with ATB Financial, Servus Credit Union, and Bank Edmonton, AB T6G 2E5 of North Dakota Phone: 780.492.8558 Fax: 780.492.8738 Email: [email protected] parklandinstitute.ca ISBN: 978-1-894949-60-6 i Parkland Institute • August 2018 about the authors Robert L. -
Thesis Draft
SCHOOL OF MANAGEMENT BLEKINGE INSTITUTE OF TECHNOLOGY REMOTE PEOPLE MANAGEMENT RESOLVING ORGANIZATIONAL ISSUES AT CALL CENTERS: CASE STUDY OF THE BANK OF NOVA SCOTIA ELENA MASLOVA 820119 – P122 SUPERVISOR PROF. PHILIPPE ROUCHY THESIS FOR THE MASTER’S DEGREE IN BUSINESS ADMINISTRATION JUNE 2008 ABSTRACT School of Management Master of Business Administration Remote People Management – Resolving Organizational Issues at Call Centers: Case Study of the Bank of Nova Scotia June 2008 70 pages Transformation of management coincided with rise of IT and re-orientation towards the demand driven economy. IT facilitated the development of remote communication and data accessibility, while re-profiling the management methods, in meanwhile, customer focus has led to organization of customer-oriented establishments such as call centers. However, aside from benefits, including accessibility, convenience, and long term cost reductions, implementation of innovations in information technologies has yielded issues. Complete assimilation of technology proved to be difficult due to factors emerging from technological, organizational and environmental contexts. Namely, factors that are most applicable in the call center context are technology readiness and managerial obstacles. Another issue that had risen as a consequence of wide spread use of IT in the call center context is employee turnover. Although not directly linked to turnover per se, IT assisted in transformation of management methods, which, uncompensated, exert pressure onto employees, while often remaining unseen. Since pressure in addition to contributing factors is linked to stress, one suggests that stress is the leading cause of turnover at call centers. Accordingly, pressure to perform, along with applied control methods will be examined in this thesis. -
Joint Book of Authorities of Class A
Court File No.: 31-2734090 ONTARIO SUPERIOR COURT OF JUSTICE (COMMERCIAL LIST) IN THE MATTER OF THE BANKRUPTCY AND INSOLVENCY ACT, R.S.C. 1985, c. B-3, AS AMENDED AND IN THE MATTER OF THE NOTICES OF INTENTION TO MAKE A PROPOSAL OF YG LIMITED PARTNERSHIP AND YSL RESIDENCES INC. APPLICATION UNDER THE BANKRUPTCY AND INSOLVENCY ACT, R.S.C. 1985, c. B-3, AS AMENDED Joint Book of Authorities of the “Class A LPs” (YongeSL Investment Limited Partnership, 2124093 Ontario Inc., SixOne Investment Ltd., E&B Investment Corporation, and TaiHe International Group Inc., 2504670 Canada Inc., 8451761 Canada Inc., and Chi Long Inc.) (Sanction Hearing: June 23, 2021) June 21, 2021 THORNTON GROUT FINNIGAN LLP 100 Wellington St. West, Suite 3200 TD West Tower, Toronto-Dominion Centre Toronto, ON M5K 1K7 D. J. Miller (LSO #34393P) Tel: (416) 304-0559 / Email: [email protected] Alexander Soutter (LSO #72403T) Tel: (416) 304-0595 / Email: [email protected] Lawyers for YongeSL Investment Limited Partnership, 2124093 Ontario Inc., SixOne Investment Ltd., E&B Investment Corporation, and TaiHe International Group Inc. LAX O’SULLIVAN LISUS GOTTLIEB LLP Suite 2750, 145 King Street West Toronto ON M5H 1J8 Shaun Laubman (LSO #51068B) Tel: (416) 360-8481 / Email: [email protected] Sapna Thakker (LSO #68601U) Tel: (416) 642-3132 / Email: [email protected] Lawyers for 2504670 Canada Inc., 8451761 Canada Inc., and Chi Long Inc. Court File No.: 31-2734090 ONTARIO SUPERIOR COURT OF JUSTICE (COMMERCIAL LIST) IN THE MATTER OF THE BANKRUPTCY AND INSOLVENCY ACT, R.S.C. 1985, c. B-3, AS AMENDED AND IN THE MATTER OF THE NOTICES OF INTENTION TO MAKE A PROPOSAL OF YG LIMITED PARTNERSHIP AND YSL RESIDENCES INC. -
UNIVERSITY of REGINA ARCHIVES and SPECIAL COLLECTIONS the DR JOHN ARCHER LIBRARY 89-78 WALTER STEWART by SHELLEY SWEENEY, with A
UNIVERSITY OF REGINA ARCHIVES AND SPECIAL COLLECTIONS THE DR JOHN ARCHER LIBRARY 89-78 WALTER STEWART By SHELLEY SWEENEY, WITH ASSISTANCE FROM MICHELLE GILLANDER AND LAURA RATHGABER JANUARY 1991 REVISED APRIL 2009 By ELIZABETH SEITZ 89-78 WALTER STEWART 2 / 20 BIOGRAPHICAL NOTE Walter Stewart is an investigative journalist and writer par excellence. He has the inquisitive mind, the blunt honesty, and more particularly, the nose that makes for a good reporter, in every sense of the word. His love of the search for some kind of truth has led him to delve into a diverse number of subjects: the high price of food, Crown Corporations, the history of the Loyalists in Canada, the Pickering Airport fiasco, Trudeau. In all, he has written eleven books, ghostwritten at least two,and edited a book on Canadian newspapers. He has worked for the Toronto Telegram, the Star Weekly magazine, Maclean's, the Toronto Star, the FP News Service in Ottawa, the Today Magazine in Toronto, The Toronto Sun, and Policy Options magazine, in a variety of capacities. In addition to his investigative and historical writing, Stewart was Director of the School of Journalism at King's College, Halifax for two years, and Max Bell Professor at the University of Regina. He has lectured frequently, and appeared on radio and television. Stewart, however, is not simply all work and no play. One only has to read his "Bosky Dell" columns for the Toronto Sun, or his murder mystery Right Church, Wrong Pew, to appreciate his lighter side. His correspondence can be quite hilarious and even his serious writing is never without a leavening of humour. -
Bank Bankruptcy in Canada: a Comparative Perspective
Osgoode Hall Law School of York University Osgoode Digital Commons Articles & Book Chapters Faculty Scholarship 2009 Bank Bankruptcy in Canada: A Comparative Perspective Stephanie Ben-Ishai Osgoode Hall Law School of York University, [email protected] Source Publication: Banking and Finance Law Review. Volume 24, Number 3 (2008), p. 59. Follow this and additional works at: https://digitalcommons.osgoode.yorku.ca/scholarly_works Part of the Banking and Finance Law Commons This work is licensed under a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License. Recommended Citation Ben-Ishai, Stephanie. "Bank Bankruptcy in Canada: A Comparative Perspective." Banking and Finance Law Review 24.3 (2008): 59. This Article is brought to you for free and open access by the Faculty Scholarship at Osgoode Digital Commons. It has been accepted for inclusion in Articles & Book Chapters by an authorized administrator of Osgoode Digital Commons. Bank Bankruptcy in Canada: A Comparative Perspective Stephanie Ben-Ishai* 1. INTRODUCTION During the Great Depression (1930–1933), over 9,000 banks failed in the United States, while not a single bank failed in Canada.1 In fact, there have been relatively few instances of bank bankruptcy proceedings in Canada from 1867 to present. Approximately eleven bank bankruptcies have been referenced in the case law to date. The first bank bankruptcy appears to be the Bank of Prince Edward Island (1882).2 Next came the Exchange Bank of Canada (1883),3 followed by the Maritime Bank (1887),4 the Central Bank of Canada (1887),5 La Banque Ville * Associate Professor, Osgoode Hall Law School, York University, Toronto, Canada, INSOL International Scholar 2008-9. -
How Canada's Past Financial Crises Helped
Journal of Governance and Regulation / Volume 4, Issue 1, 2015, Continued - 1 FROM TRIAL TO TRIUMPH: HOW CANADA’S PAST FINANCIAL CRISES HELPED SHAPE A SUPERIOR REGULATORY SYSTEM Lawrie Savage* Abstract As anyone paying attention during the 2008–2009 financial crisis is aware, the Canadian financial system weathered the storm uniquely well. Exactly why Canada’s system remained so comparatively stable, while so many other foreign systems broke down, is a question that remains largely unsettled. One explanation may be that the regulatory system that emerged from a very specific history of prior crises had both prepared Canada well for such a crisis, and responded effectively as the crisis unfolded. But the very regulatory system that provided stability in recent years may also be at risk of becoming warped by its own success, with regulators so emboldened by the acclaim for their recent achievements that they overreach to ensure their track record remains unblemished in the future. The stunning collapse of a pair of western Canadian banks, a number of major Canadian trust companies and several insurance companies, as well as some other precarious near misses in the 1980s and 1990s, were a shock to the financial regulatory system, highlighting deficiencies that would be addressed with new regulations and, most notably, the creation of the Office of the Superintendent of Financial Institutions (OSFI). Canada’s centralized regulatory approach, through the OSFI and just four other major regulatory bodies, has proved both more elegant and effective than, for instance, the more complicated, more convoluted and more decentralized American financial-oversight system.