STATUTORY DOSSIER 04 / 18

Deposit-taking institutions

Credit protection can sit inside highly regulated lending operations. The new intermediary layer must be reconciled with prudential, consumer, insurer, and internal bank controls.

All industries Evidence questions

KNOWN SCOPE

What the statutory mapping can support.

The legal class and product families are the starting point. They are not a measured economic impact.

Statutory class

Deposit-taking institutions

Product familiesCredit protection
Affected roles to investigatebank and credit-union staff · borrowers · risk teams · insurers
Answer ownerMinistry of Finance, BCFSA, and Insurance Council of B.C.
Requested evidence stepRequest the regulatory-overlap analysis and the expected borrower and lender cost by institution type.

UNKNOWN / TO MEASURE

Which existing controls were found insufficient, and what duplicated cost will the new layer add?

This class-specific economic question comes from the canonical sector module. The redesign does not replace it with a generic estimate.

EVIDENCE STEP

Request the regulatory-overlap analysis and the expected borrower and lender cost by institution type.

Population, implementation timing, product structure, compliance cost and outcome data should be acquired before a class-wide burden or benefit is asserted.

Measurement plan Build class-specific evidence request

Move through the statutory classes without returning to a single long page.

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