Home

Login

Contact Us

Français

Site Map/Index

Site Map

• Accessibility Policy (DICO 2009) 

• Accountability

• Act 

• Active institutions

• Administration

• Adoption of International Financial Reporting Standards (IFRS) (2009) 

• Advertising Messages (2008) 

• Advertising Standards

• AIR (previously AMIR)

• Amendments to the Credit Unions and Caisses Populaires Act, 1994

• AMIR (renamed AIR)

• Announcements

• Annual Information Meeting

• Annual Report

• Anti-Money Laundering Compliance, Webinar by Grant Thornton LLP (2012)

• Application and Appointment Process

• Application Guide: Director Competencies (2012)

• Application Guide: Internal Capital Adequacy Assessment Process (ICAAP) for Class 2 Credit Unions (2013) 

• Applications, Variations and Exemptions

• Approvals Granted

• Are My Deposits Insured by DICO?

• Assessment Workbook Module: Commercial Lending, By-law #5

• Assessment Workbooks for Less Complex Operations: Board of Directors, By-law #5  

• Assessment Workbooks for Less Complex Operations: Management, By-law #5 

• Assessment Workbooks, By-law #5 (Revised 2005)

• Assessment Workbooks: Board of Directors, By-law #5

• Assessment Workbooks: Management, By-law #5

• Audit and Finance Committee

• Audit Committee (Role), Webinar DICO (2010)

• Audit Committee Handbook (2016)  

• Audit Committee, Checklist (2009) 

• Authorized Participants in Loan Syndications (2011) 

• Balanced Scorecard

• BIS II FORM (2012 updated 2013) 

• Board Committees

• Board Members

• Board of Directors

• Board Position Overviews

• Business Plan, 2013-15 

• By-law #3, Definition of a deposit and advertising restrictions (2009) 

• By-law #5, Standards of Sound Business and Financial Practices (2011) 

• By-law #6, Standards of Sound Business and Financial Practices: Impaired Loans (2010) 

• By-law #5 (2011)  

• By-law #5 (Revised) February 2005 - Assessment Workbooks

• By-law #5, Commercial Lending Practices (2005 updated May 2008)

• Capital Adequacy Guideline (2013) 

• Capital Adequacy Principles (CUPSA 2012) 

• Capital Adequacy Principles Publication Announcement (CUPSA) (2012) 

• Capital Management, Sound Business and Financial Practices 

• Capital Treatment of Computer Software Intangibles (2010) 

• Certified Cheques

• Change in the Intervention Criteria for Supervision and Administration, Sector Release 66 (2011) 

• Changes To Reporting Requirements - System Release #64 (2010) 

• Changes to Reporting Requirements to DICO #58 (2009) 

• Checklist, Audit Committee, 2009 

• Chequing Accounts

• Closed Insured Institutions

• Commercial Credit Facility by NAICS Code (Industry Concentration Report), By-law #5 

• Commercial Lending (Sector Notice 2011) 

• Commercial Lending Policy Development Guide Consultation, Draft (2013)

• Commercial Lending Policy Development Guide Consultation, Letter (2013)

• Commercial Lending Practices May 2005 (updated May 2008), By-law #5

• Complaint Form, Member Depositor 

• Complaint Forms

• Complaint Forms, Insured Institution 

• Complaint Forms, Procedures 

• Completion Guide: Liquidity Coverage Ratio (2016) 

• Completion Guide: Net Cumulative Cash Flow (2017) 

• Completion Guide: Net Stable Funding Ratio (2017) 

• Compliance Orders

• Computer Software Intangibles, Capital Treatment 

• Constulation : Draft Liquidity and Stress Testing Guidance Notes : Accompanying Letter (2016) 

• Consultation on Potential Revisions to DICO's Reporting Regime - Sector Release No.78 (2016) 

• Consultation Process on Proposed Revisions to DPS (results), Webinar DICO (2012)

• Contact us

• Corporate Governance Guidance Notes (2015)

• Corporate Governance, Assessment Workbook--Audit Committee (2015) 

• Corporate Governance, Assessment Workbook--Audit Committee (2015) 

• Corporate Governance, Assessment Workbook--Board of Directors (2015) 

• Corporate Governance, Assessment Workbook--Board of Directors (2015) 

• Corporate Governance, Assessment Workbook--Management (2015) 

• Corporate Governance, Assessment Workbook--Management (2015) 

• Corporate Governance, Guidance Note--Audit Committee (2015) 

• Corporate Governance, Guidance Note--Audit Committee (2015) 

• Corporate Governance, Guidance Note--Board of Directors (2015) 

• Corporate Governance, Guidance Note--Board of Directors (2015) 

• Corporate Governance, Guidance Note--Management (2015) 

• Corporate Governance, Guidance Note--Management (2015) 

• Corporate Governance, Letter (2015) 

• Corporate Governance, Summary of Comments Received from Guidance Notes Consultation and DICO Response (2015) 

• Corporate Stewardship

• Creation of an Office of the Ombudsman at DICO, Sector Release 56 (2007) 

• Creation of the new position of Director, Regulatory Affairs, System Release #59 (2009) 

• Credit Risk Management (Credit Management), Sound Business and Financial Practices 

• Credit Risk Ratings, By-law #5 

• Credit Union Liability with Third-Party Processors, Presentation by Andy Poprawa 

• Credit Union Prudential Supervisors Association (CUPSA) Capital Adequacy Principles Announcement (2012) 

• Credit Union Shares Held as Security (2012) 

• Credit Union Shares Held as Security, Letter (2012) 

• Credit Unions and Caisses Populaires Act 1994 

• Deposit Insurance Advertising & Pre-Approved Advertising Messages (2008)

• Deposit Insurance Brochure 

• Deposit Insurance Fundamentals, Webinar DICO (2011)

• Deposit Insurance Reserve Fund Strategy (2013) 

• Deposit Insurance Reserve Fund Strategy, Letter (2013) 

• Deposit Insurance Scheme, By-law #3 (2009) 

• Depositor Protection Programs

• Deposits Held in More than One Name (joint deposits)

• Deposits Held in One Name

• Deposits Held in Trust

• Dialogues on SBP

• DICO - Who We Are and What We Do?

• DICO Advisories

• DICO Appoints Acting President & CEO - Sector Release No.77 (2016) 

• DICO CEO to Retire -Sector Release No.72 (2016) 

• DICO Financial Results, System Release #57 (2007) 

• DICO Financial Results, System Release #53  (2005) 

• DICO Financial Results, System Release #55 (2006) 

• DICO Info

• DICO Response to Comments and Suggestions from Stakeholder Survey Letter, Sector Release 70 (2014) 

• DICO Response to Comments and Suggestions from Stakeholder Survey, Sector Release 70 (2014) 

• DICO Successful in First Appeal of its Regulatory Authority - System Release #65 (2011) 

• Differential Premium Score Determination DICO document published in The Ontario Gazette on April 12, 2014 

• Differential Premium System Continuous Premium Calculation Tool (updated 2015)

• Differential Premium System Determination (DPSD), Sector Release 71 (2014) 

• Differential Premium System Review (Consultation Paper 2012)

• Differential Premium System Review Consultation (2013)

• Differential Premium System Review Consultation, Consultation Paper (2013)

• Differential Premium System Review Consultation, Letter (2013)

• Differential Premium System Review Consultation, Survey (2013)

• Differential Premium System Review, Letter (2012)

• Differential Premium System (2012)

• Differential Premiums

• Director Focus Group and Planned Future Initiatives (Sector Notice 2014) 

• Director Focus Group and Planned Future Initiatives, Letter (Sector Notice 2014) 

• Director Training Standards, Board and Director Competency Requirements, Webinar DICO (2012)

• Director Training and Qualifications (Sector Notice 2012) 

• Director Training and Qualifications (2012)

• Director Training and Qualifications (Best Practices), Webinar DICO (2014)

• Director Training and Qualifications Working Group (2012)

• Director Training and Qualifications, Application Guide for Class 2 Credit Unions (2012) 

• Director Training and Qualifications, Application Guide for Class 1 Credit Unions (2012) 

• Director Training and Qualifications, Director Candidate Information Guide (2012) 

• Director Training and Qualifications, Frequently Asked Questions (2012) 

• Director Training and Qualifications, Guidance Note for Class 1 Credit Unions (2012) 

• Director Training and Qualifications, Guidance Note for Class 2 Credit Unions (2012) 

• Director Training and Qualifications, Letter (Sector Notice 2012) 

• Director Training and Qualifications, Policy Development Guide (2012) 

• Director Training and Qualifications, Self-Assessment Tool (2012) 

• Director Training and Qualifications, Self-Assessment Tool (Excel_2012) 

• Director Training and Qualifications, Self-Assessment Tool, Letter (2012) 

• Director Training and Qualifications, Webinar DICO (2011)

• Director Training, Self-Assessment Tool_Update EXCEL (2015) 

• Director Training, Self-Assessment Tool_Update (2015) 

• Director Training, Self-Assessment Tool_Update_Letter (2015) 

• Director Training, Self-Assessment Tool_Update_Modifications table (2015) 

• Directors - Director Candidate Information Guide (2012) 

• Directors - Director Self-Assessment Tool (2012) 

• Directors - Policy Development Guide (2012) 

• Directors' College Sessions (2008)

• Director's Handbook (2016) 

• Director's Training Tools, Board and Director Competency Requirements, Webinar DICO (2012)

• Disclaimer

• Dissolution

• DPS Consultation Paper (2007, 2008)

• DPS Feedback Response Paper and Calculation Tool (2008)

• Drafts

• Enhancements to DICO's Monthly and Annual Reporting Systems (iMIR/iAIR) - Sector Release No.74 (2016) 

• Enterprise Risk Management (ERM) Framework (2011)

• ERM Practical Program Tips, Webinar by BDO LLP (2013)

• ERM (Leveraging) to meet regulatory requirements, Webinar by Deloitte and Touche LLP (2012)

• ERM Application Guide (2011)

• ERM, A Practical Approach, Webinar by PricewaterhouseCoopers LLP (2011)

• Examination Findings (Common) for Commercial Credit, Webinar DICO (2011)

• Examination Manual - Third Party - Checklists (2011)

• Examinations Program Update, Sector Release 60 (2010) 

• Expert Panel Releases Final Report on the Mandate Review of DICO, FSCO and the FST - Sector Release No.75 (2016) 

• FAQs

• Financial Reporting

• Financial Services Commission of Ontario 

• Foreign Account Tax Compliance Act (FATCA) Implications, Webinar by Grant Thornton Consulting (2012)

• Fraud Prevention, Webinar by KPMG LLP (2013)

• FSCO 

• GICs

• Governance (Code of Conduct), Sound Business and Financial Practices 

• Governance (Human Resources), Sound Business and Financial Practices 

• Governance (Planning), Sound Business and Financial Practices 

• Governance and Human Resources Committee

• Guidance Note: Corporate Governance--Audit Committee (2015) 

• Guidance Note: Corporate Governance--Board of Directors (2015) 

• Guidance Note: Corporate Governance--Management (2015) 

• Guidance Note: Director Training and Qualifications (2012)

• Guidance Note: Director Training and Qualifications Class 1 Credit Unions (2012) 

• Guidance Note: Director Training and Qualifications Class 2 Credit Unions (2012) 

• Guidance Note: Enterprise Risk Management (ERM) for Class 2 insured institutions

• Guidance Note: Internal Capital Adequacy Assessment Process (ICAAP) for Class 2 Credit Unions (2013) 

• Guidance Note: Investments (2009) 

• Guidance Note: Lending (2009) 

• Guidance Note: Liquidity (2017) 

• Guidance Note: Stress Testing (2017) 

• Guidance Note: Stress Testing for Class 2 Credit Unions (2013) 

• Guidance Note: Structural (Interest Rate) Risk (2009) 

• Guidance notes

• Guidance Notes: Corporate Governance (2015)

• HEARTBLEED, System Vulnerability (Sector Notice 2014) 

• High Risk Audit Areas and Addressing Risks, Webinar by Grant Thornton LLP (2010)

• History of Closed Insured Institutions

• How DICO Is Governed

• How DICO Is Managed and Organized

• How Ontario Credit Unions Are Regulated - Publications

• How Ontario Credit Unions Are Regulated?

• IFRS 9 : Beyond the Theory (Part 1), Webinar by PricewaterhouseCoopers LLP (2015)

• IFRS Conversions, Keeping It Practical, Webinar by BDO LLP (2011)

• IFRS Financial Statements Tips to help prepare and improve, Webinar by BDO LLP (2013)

• IFRS, Are You There Yet, Webinar by Deloitte LLP (2011)

• IFRS, Financial Statement Disclosures, Webinar by BDO LLP (2011)

• iMir

• Impaired Loans, Standards of Sound Business and Financial Practices, By-law #6 (2010) 

• Implementation Document, By-law #5 (2005) 

• Implementation of ICAAP and Stress Testing for Credit Unions with Assets in Excess of $500 million - Sector Release No.76 (2016) 

• Important Changes to Reporting Requirements - Sector Release No.79 (2016) 

• Industry Codes and Concentration Risk, By-law #5 

• Info DICO

• Information Request - Sector Release No.73 (2016) 

• Insurance Coverage Decal 

• Insured Institution Mergers

• Insured institutions

• Internal Capital Adequacy Assessment Process (ICAAP) and Stress Testing Guidance, Class 2 Insured Institutions, Sector Release 69 (2014) 

• Internal Capital Adequacy Assessment Process (ICAAP) and Stress Testing, Letter (2013) 

• Internal Capital Adequacy Assessment Process (ICAAP) for Large Credit Unions, Webinar DICO (2014)

• International Financial Reporting Standards (IFRS) 9 Readiness Self-Assessment Survey

• Internet Monthly Information Return (iMir) (2014)

• Intervention Criteria for Supervision and Administration

• Investment In Digital Currencies (2014) 

• Investment In Digital Currencies, Letter (2014) 

• Investments in Portfolios of Individual Mortgages and Mortgage Pools (2014) 

• Investments in Portfolios of Individual Mortgages and Mortgage Pools, Letter (2014) 

• IT Risk Management, Guidance for Boards and Audit Committees, Webinar by Grant Thornton LLP (2013)

• Joint deposits

• Keeping ERM Fresh, Webinar by PricewaterhouseCoopers LLP (2014)

• Legal Actions Taken Against Former Directors, Managers and Auditors, Sector Release 61 (2010) 

• Lending Advisory for Class 2 Credit Unions and Caisses Populaires (2009)

• Lending Advisory No. 4 - Accompanying Letter (2017) 

• Lending Advisory No. 4 - Mortgage Lending Practices(2017) 

• Lending Limits and Creditor Insurance (2009) 

• Life Income Fund (LIF)

• Links

• Liquidity and Stress Testing Guidance Notes and Tools - Sector Release No.83 (2017) 

• Liquidity Risk Management (Liquidity), Sound Business and Financial Practices 

• List of DICO's Insured Credit Unions and Caisses Populaires

• Litigation Update: Caisse populaire d’Iroquois Falls Inc. (Sector Notice 2014)  

• Litigation Update: Caisse populaire d’Iroquois Falls Inc. (Sector Notice 2014), Judgement transcript 

• Litigation Update: Croatian (Toronto) Credit Union Ltd (Sector Notice 2014), Sentencing transcript - Dubravko 2 years 

• Litigation Update: Croatian (Toronto) Credit Union Ltd (Sector Notice 2014), Sentencing transcript - Vinski 4.5 years 

• Litigation Update: Croatian (Toronto) Credit Union Ltd and Portuguese-Canadian Credit Union Ltd (Sector Notice 2014) 

• Locked-in Retirement Account (LIRA)

• Locked-in Retirement Income Fund (LRIF)

• Market Risk Management (Investments), Sound Business and Financial Practices 

• Memorandum of Understanding between the Minister of Finance and the Chair of DICO 

• Mergers

• Minister of Finance Announces Decision Regardging FSRA - Sector Release No.80 (2016) 

• MIR

• Miscellaneous References

• Money Orders

• Mortgage Lending Practices and Potential Real Estate Market Correction (2012) 

• Mortgage Lending Practices and Potential Real Estate Market Correction, Letter (2012) 

• New Accounting Standards, System Release #55  (2006) 

• Newsletter, DICO, December 2008 

• Newsletter, DICO, March 2009 

• Office of the Ombudsman, System Release #57 (2007) 

• Ombudsman

• On-Site Verifications and Reviews, System Release #53  (2005) 

• Ontario Regulation 237/2009 (credit unions) 

• Ontario Regulation 238/2009 (Cost of borrowing and disclosure to borrowers) 

• Operational Risk Management (Internal Controls),
  Sound Business and Financial Practices 

• Orders Issued

• Organization Chart

• Other Powers

• Outsourcing Servicing of Owned ATMs (2010) 

• Policy Development Guide, Director Training (2012) 

• Potential Risks Associated with Providing Banking Services to Money Service Businesses (2012) 

• Premium Calculation Tool , Differential Premium System (updated 2014)  

• Premiums 2007, System Release #55 (2006) 

• Premiums 2008, System Release #57 - December 20, 2007 

• Presentations

• President and CEO

• President and CEO, Position Description

• Privacy Notice

• Project Symphony, Sustainable Future for the Ontario Credit Union Sector, Webinar by Deloitte LLP (2013)

• Proposed Deposit Insurance Premium Rates for 2011 - System Release 62 (2010) 

• Publications

• Quick Reference Guide DICO (2009)  

• References in Canada

• References in Ontario

• Registered Savings Plans

• Regulatory Reporting of Asset Backed Commercial Paper (REVISED 2009) 

• Reporting Chart

• Reporting Requirements Changes, Import File Specifications, Sector Release 67 (2013) 

• Reporting Requirements Changes, Sector Release 67 (2013) 

• Reporting Requirements Changes, Summary of Changes, Sector Release 67 (2013) 

• Reporting Requirements Changes, Auditor's Report, Certificate of Insured Deposits and Certificates of Representation, Sector Release 67 (2013) 

• Reporting Requirements Changes, Auditor's Report, Instructional Video, Sector Release 67 (2013)

• Reporting Requirements Changes, Developer Completion Guide, Sector Release 67 (2013)

• Reporting Requirements Changes, MIR and AIR Completion Guide, Sector Release 67 (2013) 

• Reporting Requirements Changes, Sector Release 58 (2009) 

• Resolution of the Board of Directors Template (2006) 

• Revised By-laws #5 and #6, System Release #63 (2010) 

• Revised Capital and Lending Regulations, System Release #55  (2006) 

• Risk Assessment

• Risk Assessment Framework 

• Risk Management

• Risk Oversight Committee

• Risk Rating Template provided by Central, By-law #5 

• Risk Rating Template, By-law #5 

• Sample Risk Rating Model, By-law #5 

• Savings Accounts

• Sector (System) Outlooks

• Sector (System) Releases

• Sector Notices

• Self Assessment, Sound Business and Financial Practices 

• Sound Business and Financial Practices

• Sound Business and Financial Practices, Reference Manual 

• Speeches

• Stakeholder Information Meeting

• Stakeholder Relationships

• Stakeholder survey, System Release #57 2007 

• Standards and Guidelines

• Standards of Sound Business and Financial Practices, By-law #5 (2011) 

• Standards of Sound Business and Financial Practices: Impaired Loans, By-law #6 (2010) 

• Statutory Objects

• Structural Risk Management (Asset Liability Management), Sound Business and Financial Practices 

• Summary of Comments Received from Corporate Governance Guidance Notes Consultation and DICO Response (2015) 

• Supervision

• Supporting Documentation - System Release #63 (2010) 

• Supporting Documentation - System Release #64 (2010)

• Template: Liquidity Coverage Ratio (2017) 

• Template: Net Cumulative Cash Flow (2017) 

• Template: Net Stable Funding Ratio (2017) 

• Term deposits

• The Roles and Responsibilities of the Ombudsman

• Travel, Meal and Hospitality Expenses

• UPDATE - Changes to Reporting Requirements Deferred - Sector Release No.81 (2016) 

• UPDATE - New Reporting Requirements - Sector Release No.82 (2017) 

• Watch List - Summary Update, By-law #5 

• Watch List Accounts, By-law #5  

• Watch-list

• We Work with Other Organizations

• Webinars DICO

• Webinars Stakeholders

• Website Updates, System Release #53  (2005) 

• What DICO Does

• What is Deposit Insurance?

• What's Covered, What's Not - FAQs

• What's Covered, What's Not?

• What's Covered?

• What's Not Covered?

• Where are my savings insured by DICO?

• Who DICO Works For

• Who is DICO?

• Who Pays for Deposit Insurance

• Why Deposit Insurance Is Important