Financial System Survey highlights—2026

This article presents the key results from the 2026 Bank of Canada Financial System Survey, conducted between February 23 and March 13. The survey included a special section on the use and risks of artificial intelligence (AI).

Our take: Live BoC release. Read the primary source before changing offer discipline or leverage assumptions.

In your underwriting: Re-check DSCR and stress payment against the current BoC 5-year mortgage series before waiving financing.

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