The Capital Adequacy Requirements Guideline – Reciprocal Unions sets out the AMF’s requirements regarding the capital adequacy framework applicable to reciprocal unions. Capital adequacy is determined from a risk-based formula, as defined by the Minimum Capital Test (MCT), used to measure the adequacy of available capital available in relation to target required capital.
Guideline in effect
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 931 KB)
This link will open in a new windowUpdated on November 27, 2025
Revised January 2026
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 979 KB)
This link will open in a new windowUpdated on November 27, 2025
Track changes - Revised January 2026
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 979 KB)
Previous version
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 877 KB)
This link will open in a new windowUpdated on November 28, 2024
Revised January 2025
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 955 KB)
This link will open in a new windowUpdated on November 28, 2024
Track changes - Revised January 2025
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Notice relating to the application of the Guideline on Capital Adequacy Requirements – Reciprocal Unions
(pdf - 341 KB)
This link will open in a new windowUpdated on December 14, 2023
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Capital Adequacy Requirements Guideline - Reciprocal Unions
(pdf - 955 KB)