For Member Institutions
Deposit insurance plays an important role in increasing consumer confidence, which helps Canadians enjoy a high degree of financial stability.

CDIC is legislated to provide deposit insurance and to contribute to the stability of the financial system in Canada, while minimizing our exposure to loss. Through our differential premiums system and intervention process we help to manage our risk and yours.

Legislation and By-laws
CDIC members have certain responsibilities that are set out in the legislation as well as in CDIC By-laws (regulations) directed at members. The by-laws cover many requirements and issues—from how to file annual returns, to how a member must display the CDIC membership sign.

Please Note: This website is designed to give general information about deposit insurance and should not be relied upon as definitive. The actual deposit insurance coverage provided by CDIC following the failure of a member institution is based on the deposit account records at the failed member institution and is governed by the Canada Deposit Insurance Corporation Act.