Commercial practices
Sound commercial practices
The Sound Commercial Practices Guideline sets out the AMF’s expectations for ensuring that financial institutions establish practices aimed at making the fair treatment of clients a core component of their corporate culture, thereby protecting consumers from the inherent risks of using their products while bolstering consumer confidence in the financial system.
Fair consumer credit practices
The Fair Consumer Practices Guideline sets out the AMF’s expectations for ensuring that financial institutions’ practices to assess clients’ credit risk serve to identify situations of current or potential over-indebtedness and deal with them appropriately
Individual variable insurance contracts relating to segregated funds
The Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds sets out the AMF’s expectations for information to be disclosed to contract holders, both prior to the sale and on a continuous basis thereafter. It also discusses certain specific expectations pertaining, in particular, to the administration of funds, investments, or accounting and audit requirements.
Incentive Management
The Incentive Management Guideline complements the Sound Commercial Practices Guideline. Specifically, it sets out the AMF’s expectations of the financial institution with respect to the management of incentive arrangements.