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1997 Review of Financial Sector Legislation: 
Proposals for Changes

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Table of Contents

Executive Summary.

• Key Developments in the Financial Sector Since the 1992 Reform.
• Scope and Objectives of the 1997 Review.

Strengthening Consumer Protection.

• Privacy Safeguards
• The Cost of Basic Financial Services.
• The Availability of Basic Financial Services.
• Cost of Credit Disclosure.
• Tied Selling.
• Right to Prepay Mortgages.
• Summary.

• Overlap and Duplication Between Federal and Provincial Regulation.
• Self-Dealing Regime.
• Subsidiary Requirements.
• Deposit Insurance Opt-Out.
• Foreign Bank Entry Regime.

• Corporate Governance.
• Joint Venture Arrangements.
• Access to Capital for Mutual Insurance Companies.
• Taking of Security Interest.
• Amendments to the Bank of Canada Act.

Next Steps.

Annex A - Supplements to Chapters 3 and 4.

Annex B - Technical Amendments.