remedy for financial distress. We begin in Section II with a brief history of the credit counseling industry in Canada and in …

microcredit and payday lending in Canada, this paper argues that the expectation of full cost recovery in the provision of these …

expansionary and a contractionary monetary policy episode in Canada. Our identification takes advantage of the fact that the … interest rates of short-term fixed-rate mortgages (the dominant product in Canada's mortgage market) have to be reset according …