2025 Methods-of-Payment Survey Report: Cash in an Increasingly Digital and Mobile Economy Staff analytical paper 2026-36 Marie-Hélène Felt, Saika Pacouloute, Angelika Welte The 2025 Methods-of-Payment Survey provides insights into how Canadians pay for their day-to-day purchases and how they use cash (i.e. banknotes and coins). While contactless card payments dominate in-person transactions, most Canadians maintain favourable views on cash and still hold and use it. They are also increasingly adopting mobile payments. Content Type(s): Staff research, Staff analytical paper JEL Code(s): D, D8, D83, E, E4, E41 Research Theme(s): Money and payments, Cash and bank notes, Retail payments
How Do Interest Rates Spur the Housing Market: Exploring Nonlinear Effects Staff analytical paper 2026-35 Benjamin Straus, Stéphane Surprenant, Kerem Tuzcuoglu In this note we examine how monetary policy affects housing demand, supply and prices in Canada, and whether these effects vary with labour market conditions Content Type(s): Staff research, Staff analytical paper JEL Code(s): C, C3, C32, E, E5, E52, R, R3, R31 Research Theme(s): Monetary policy, Monetary policy framework and transmission
Early signs of AI-driven adjustments in Canada’s labour market Sparks at Bank article Dany Brouillette, Tatjana Dahlhaus, Gabriela Galassi AI has the potential to reshape the labour market by automating some tasks for many workers. Even though evidence of a significant impact on the labour market remains limited, AI appears to be making it harder for some Canadians to find work in occupations that are most exposed to it. Content Type(s): Staff research, Sparks at Bank article Research Theme(s): Structural challenges, Demographics and labour supply, Digitalization and productivity
August 19, 2026 Quarterly Financial Report - Second Quarter 2026 Quarterly Financial Report - Second Quarter 2026 - For the period ended June 30, 2026 Content Type(s): Publications, Quarterly Financial Report
August 19, 2026 Bank of Canada recognizes RCMP constable with award for counterfeit deterrence The Bank of Canada is pleased to announce the recipient of its 2026 Law Enforcement Award of Excellence for Counterfeit Deterrence. Content Type(s): Press, Announcements
August 18, 2026 Prescribed review decisions Access decisions issued following a request for a prescribed review.
August 17, 2026 Sparks at Bank Sparks at Bank features insights and analysis from Bank of Canada economists and researchers. It takes its name from the intersection of Sparks and Bank streets in Ottawa where the Bank’s head office is located.
Private credit in Canada Sparks at Bank article Wendy Chan, Cameron MacDonald, Geneviève Vallée Private credit—business loans made by non-bank lenders—has expanded rapidly worldwide, but for Canadian businesses, it remains a stable and relatively limited source of funding. Canadian asset managers, however, are actively participating in private credit globally, creating exposures that could matter for financial stability in Canada. Content Type(s): Staff research, Sparks at Bank article Research Theme(s): Financial system, Financial institutions and intermediation, Household and business credit
August 14, 2026 Frequently asked questions about retail payments supervision Find answers to common questions about retail payments supervision. Content Type(s): Retail payments materials, Supplementary materials Subject(s): Retail payments, Operational risk and incident response, Registration, Safeguarding end-user funds, Supervision