Special Focus


Canadians have deep and genuine concerns about the expansion of medical assistance in dying (MAiD). As federal politicians consider Bill C-7, which would expand access… Read More


Announcing Season 3 of The Long Way!… Read More

Religion and GDP

It may be time to take a second look at the public relevance of religion for the most unexpected reason: economics. What if we told… Read More

Introducing NextGen Fellowship

NextGen - A Program for Faith and Public Leadership

A new year-long leadership development opportunity for young leaders (aged 25-34).

Important dates:

  • Zoom Information Session: March 30th at 3pm EST
  • Application Deadline: May 1st

Learn more at nextgenfellowship.ca ›

Our Research

Protections for Users of High-Cost Credit
REPORT April 1st

The Government of Ontario is considering establishing new protections for users of alternative financial services (AFS). AFS are high-cost financial services provided outside of traditional financial institutions like banks and credit unions. Common AFS offerings include payday loans, instalment loans, lines of credit, and auto title loans. Ontario currently regulates payday loans. The government recently invited consultation on draft proposals and options intended to strengthen protection for borrowers and improve the regulation of high-cost credit agreements, other than payday loans.

This consultation is in addition to Ontario’s comprehensive review of the Consumer Protection Act, 2002 (CPA), the law governing many personal and household transactions by consumers. The CPA’s rules support a fair and competitive marketplace where consumers make their own choices without being subject to unfair business practices.

Cardus submitted the following responses to the questions posed in the consultation.

Family Policy Brief
REPORT April 7th

Strong, stable families are irreplaceable and are foundational to a healthy society. Good family policy can also enhance family well-being by addressing the diverse needs of families and their most vulnerable members, children.