Daniel Foch on YouTube
OSFI just freed up more room for Canada’s Big Six banks to deploy capital.
Published July 14, 2026
About this video
OSFI just freed up more room for Canada’s Big Six banks to deploy capital.
The domestic stability buffer dropped from 3.5% to 3%. The banks are already sitting at an average 13.5% common equity tier-one ratio, well above OSFI’s new 11% expectation.
This does not mean $673 billion is about to pour into mortgages. It means the regulator thinks the banks can absorb losses and wants more credit moving through a stressed economy as the mortgage cycle resets.
That is a strange signal to send while household debt is still high and house prices remain stretched against incomes.
#CanadianRealEstate #HousingMarket #Banking #Economics
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