[{"label":"Accueil","url":"https:\/\/www.pbo-dpb.ca\/fr"},{"label":"\u00c9quipe","url":"https:\/\/www.pbo-dpb.ca\/fr\/staff--equipe","section":{"id":1,"title_en":"About","title_fr":"\u00c0 propos"}},{"label":"R\u00e9gine Cl\u00e9ophat","url":"https:\/\/www.pbo-dpb.ca\/fr\/staff--equipe\/regine-cleophat","section":{"id":1,"title_en":"About","title_fr":"\u00c0 propos"}}]

Régine occupe un poste d’analyste économique au Bureau du directeur parlementaire du budget. Elle est titulaire d’une maîtrise en économie appliquée et d’un baccalauréat en finances de HEC Montréal.

Avant de se joindre à l’équipe, Régine a occupé divers postes d’assistante d’enseignement au premier et deuxième cycle à HEC Montréal. Elle a également travaillé comme inspectrice à la CNESST - Division de la commission des relations de travail.

Publications récentes

    {"id":"RP-2122-036-S","is_published":"2022-03-29T12:57:07.000000Z","release_date":"2022-03-29T13:00:00.000000Z","updated_at":"2022-03-29T12:57:07.000000Z","type":"RP","internal_id":"RP-2122-036-S","title_en":"International Comparison of the Canada Revenue Agency\u2019s Performance","title_fr":"Comparaison internationale du rendement de l\u2019Agence du revenu du Canada","slug":"RP-2122-036-S--international-comparison-canada-revenue-agency-performance--comparaison-internationale-rendement-agence-revenu-canada","permalinks":{"en":{"website":"https:\/\/www.pbo-dpb.ca\/en\/publications\/RP-2122-036-S--international-comparison-canada-revenue-agency-performance--comparaison-internationale-rendement-agence-revenu-canada","preview":"https:\/\/www.pbo-dpb.ca\/en\/publications\/RP-2122-036-S--international-comparison-canada-revenue-agency-performance--comparaison-internationale-rendement-agence-revenu-canada"},"fr":{"website":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/RP-2122-036-S--international-comparison-canada-revenue-agency-performance--comparaison-internationale-rendement-agence-revenu-canada","preview":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/RP-2122-036-S--international-comparison-canada-revenue-agency-performance--comparaison-internationale-rendement-agence-revenu-canada"}},"artifacts":{"main":{"en":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/e2bcced243ea50b47d3797c3a2516d84472f9fd5f16f7bf739eb7237e28d93a0"},"fr":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/d22685bbb9c76c164eeffd5a29bf63fe6bea4fb2cf1b68d2ce67c79f24f15b1b"}}},"coverpages":{"distribution":{"fr":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/0b5f9598455722fac8bef7826837676c7850f889cb55de2f3f81b5134a070362","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/ec0199122240a3abccb0b3d78958b980c07448c30c59db5cd1593163d7d69b17","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/4efdd335e86db1522e30f496a20a205d562deb26d82c0dd95390a101b10dd825","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/1980ce5f9c3198881a4386a36b0ae401aad11296d074710b252e72f91a60a04a","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/40aa9f977eb218b825dbe63bc7e471538ba68a81ea665e09704554a8549bf258","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/952e1849d1694c068bbc80e9d4f3d62f6d1d38c6f48f8ec0f66d47b497634f87","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/a851eaaff1c5bd753689f5755c680d6b79221db628164fa058049c7c9f515596","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/d0f3a5f117c5f81b37810798caaea489210dfe5a8ac34fb7986ac334c38b926b"},"en":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/051b1bdd9c09ec2762f39e562714306186ec0c4099d55382d708f165af9b9690","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/76ccc3af87d33e1c26af25fa4a27af9226df05be33fe5460d03a085d06f9fafa","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/099d06d5f664971b9d3944a472ebdf7288b22e6eaec72572dbc75ef554045188","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/3d75905d0680199b2881637cb1629e83dbd616406cf1aec1510bc4ef34bf3fd2","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/34360d84af5fc80abc1d32ca1c30970f375d96f698c25e97f9b64eed7c4c6a2e","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/3f1007dbec2693c0a1640239508f537fa77a7995535b0f18c847de5ffbbe2aa5","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/a13f2c163e84faf4643352346ddc73341d63d6d773c04269451a319314a351a9","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/d93eb4de634032dc7f100f8d6139875da654f8ea054c9f42d56feb864174bd80"}}},"metadata":{"abstract_en":"This report compares Canada\u2019s tax administration performance with that of comparable countries with a set of indicators derived from the International survey on Revenue Administration (ISORA) 2020. ISORA is administered every two years, collecting data on the previous two fiscal years from over 150 national or federal tax administrations around the globe.","abstract_fr":"Ce rapport compare le rendement du Canada en mati\u00e8re d\u2019administration fiscale \u00e0 celui de pays comparables \u00e0 l\u2019aide d\u2019un ensemble d\u2019indicateurs tir\u00e9s d\u2019ISORA (International Survey on Revenue Administration, Enqu\u00eate internationale sur les administrations fiscales) de 2020. R\u00e9alis\u00e9e tous les deux ans, l\u2019enqu\u00eate ISORA recueille des donn\u00e9es sur les deux derniers exercices financiers aupr\u00e8s de plus de 150 administrations fiscales nationales ou f\u00e9d\u00e9rales du monde entier.","highlights":[{"content":{"en":"From Budget 2016 to Budget 2021, the federal government announced over $3 billion in additional funding to the Canada Revenue Agency (CRA), over the 2016-17 to 2025-26 fiscal years, for multiple initiatives with nearly $2 billion specifically for compliance activities.","fr":"Du budget de 2016 au budget de 2021, le gouvernement f\u00e9d\u00e9ral a annonc\u00e9 un financement suppl\u00e9mentaire destin\u00e9 \u00e0 plusieurs initiatives, soit plus de 3 milliards de dollars \u00e0 l\u2019Agence du revenu du Canada (ARC) pour les exercices financiers 2016-2017 \u00e0 2025-2026, dont pr\u00e8s de 2 milliards de dollars consacr\u00e9s aux activit\u00e9s d\u2019observation."}},{"content":{"en":"Even with all the funding announcements since Budget 2016, CRA\u2019s spending excluding transfer payments will not have increased significantly over the 2017 to 2024 period after accounting for inflation.","fr":"En d\u00e9pit de toutes les annonces de financement faites depuis le budget de 2016, les d\u00e9penses de l\u2019ARC, lorsqu\u2019on exclut les paiements de transfert et qu\u2019on tient compte de l\u2019inflation, n\u2019auront pas augment\u00e9 de fa\u00e7on notable au cours de la p\u00e9riode de 2017 \u00e0 2024."}},{"content":{"en":"The only areas where Canada significantly outperformed the comparable countries were in terms of the value of additional assessments for value added tax and the number of audits conducted per auditor. This is expected since the CRA conducts a high volume of relatively less complex value added tax audits.","fr":"Les seuls aspects pour lesquels le Canada a surclass\u00e9 consid\u00e9rablement les pays comparables sont les cotisations suppl\u00e9mentaires de taxe sur la valeur ajout\u00e9e et le nombre de dossiers trait\u00e9s par v\u00e9rificateur. Cela est pr\u00e9visible, car l\u2019ARC effectue un volume \u00e9lev\u00e9 de v\u00e9rifications relativement peu complexes de la taxe sur la valeur ajout\u00e9e."}},{"content":{"en":"Canada performed relatively poorly in terms of arrears compared to the other countries, especially with respect to corporate income tax and value added tax arrears. The ISORA survey contains no details on the type of taxpayers owing these arrears (i.e., small vs large corporations). However, Canada\u2019s performance could be indicative of, for example, a preference from the tax administration to not pursue aggressively small business owners.","fr":"Le Canada a obtenu un rendement relativement faible en ce qui concerne les arri\u00e9r\u00e9s par rapport aux autres pays, surtout en ce qui concerne les arri\u00e9r\u00e9s d\u2019imp\u00f4t sur le revenu des soci\u00e9t\u00e9s et de taxe sur la valeur ajout\u00e9e. L\u2019enqu\u00eate ISORA ne contient aucun d\u00e9tail sur le type de contribuables redevables de ces arri\u00e9r\u00e9s (c.-\u00e0-d. petites ou grandes entreprises). Cependant, le rendement du Canada pourrait indiquer, par exemple, que l\u2019administration fiscale pr\u00e9f\u00e8re ne pas poursuivre activement les propri\u00e9taires de petites entreprises."}},{"content":{"en":"Canada is among the worst performers regarding cost of collection ratios, outperforming only Germany. However, cost of collection ratios must be interpreted with caution. An underfunded tax administration is likely to present a high-performance ratio but might be losing a lot of potential revenue because it does not have the resources to conduct audits.","fr":"Le Canada est un des pays les moins performants au chapitre du ratio de perception, devan\u00e7ant seulement l\u2019Allemagne. Cependant, les ratios des frais de perception doivent \u00eatre interpr\u00e9t\u00e9s avec prudence. Une administration fiscale sous-financ\u00e9e est susceptible de pr\u00e9senter un ratio \u00e9lev\u00e9, mais risque de se priver de revenus potentiels importants parce qu\u2019elle ne dispose pas des ressources n\u00e9cessaires pour effectuer des v\u00e9rifications."}}]},"bills":[],"bibtex":{"en":"@techreport{PBO-RP2122036S,\n author={Bernier, Govindadeva and Cl\\\u0027{e}ophat, R\\\u0027{e}gine},\n title={International Comparison of the Canada Revenue Agency\u2019s Performance},\n institution={The Office of the Parliamentary Budget Officer},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}","fr":"@techreport{DPB-RP2122036S,\n author={Bernier, Govindadeva and Cl\\\u0027{e}ophat, R\\\u0027{e}gine},\n title={Comparaison internationale du rendement de l\u2019Agence du revenu du Canada},\n institution={Bureau du directeur parlementaire du budget},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}"}} {"id":"RP-2122-030-S","is_published":"2022-03-01T14:00:03.000000Z","release_date":"2022-03-01T14:00:00.000000Z","updated_at":"2022-03-01T14:00:03.000000Z","type":"RP","internal_id":"RP-2122-030-S","title_en":"Economic and Fiscal Outlook \u2013 March 2022","title_fr":"Perspectives \u00e9conomiques et financi\u00e8res \u2013 Mars 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report provides a baseline projection to help parliamentarians gauge potential economic and fiscal outcomes under current policy settings.","abstract_fr":"Ce rapport pr\u00e9sente des pr\u00e9visions de r\u00e9f\u00e9rence pour aider les parlementaires \u00e0 \u00e9valuer les r\u00e9sultats \u00e9conomiques et budg\u00e9taires possibles en vertu des cadres d\u2019action actuels.","highlights":[{"content":{"en":"PBO projects growth in the Canadian economy to rebound sharply in the second quarter and remain robust in the second half of 2022 as the reopening of the economy continues.","fr":"Le DPB pr\u00e9voit que la croissance de l\u2019\u00e9conomie canadienne reprendra nettement au cours du deuxi\u00e8me trimestre et qu\u2019elle demeurera solide durant la deuxi\u00e8me moiti\u00e9 de 2022 alors que se poursuit la r\u00e9ouverture progressive de l\u2019\u00e9conomie."}},{"content":{"en":"Based on our outlook for inflation and the output gap, PBO projects that the Bank of Canada will increase its policy interest rate by a cumulative 75 basis points, lifting its rate to 1.00 per cent by the end of 2022.","fr":"En s\u2019appuyant sur ses perspectives concernant l\u2019inflation et l\u2019\u00e9cart de production, le DPB pr\u00e9voit que la Banque du Canada va augmenter son taux directeur de 75 points de base cumulatifs, relevant le taux \u00e0 1 % d\u2019ici la fin de 2022."}},{"content":{"en":"PBO projects a budget deficit of $139.8 billion (5.6 per cent of GDP) in 2021-22 and $47.9 billion (1.8 per cent of GDP) in 2022-23. We project the federal debt-to-GDP ratio to peak at 47.7 per cent in 2021-22 and then gradually decline over the medium term to 42.3 per cent.","fr":"Le DPB pr\u00e9voit un d\u00e9ficit budg\u00e9taire de 139,8 milliards de dollars en 2021-2022 (5,6 % du PIB) et de 47,9 milliards de dollars en 2022-2023, soit 1,8 % du PIB. Le ratio de la dette f\u00e9d\u00e9rale au PIB devrait atteindre un sommet \u00e0 47,7 % du PIB en 2021-2022 avant de revenir progressivement \u00e0 moyen terme \u00e0 42,3 %."}},{"content":{"en":"Due to low interest rates, the cost of servicing the federal debt reached its lowest recorded level in 2020-21 of 7.2 per cent of tax revenues. While interest rates are projected to rise, the debt service ratio will remain low, reaching 11.5 per cent of tax revenues over the medium term.","fr":"\u00c9tant donn\u00e9 les faibles taux d\u2019int\u00e9r\u00eat, le co\u00fbt de service de la dette f\u00e9d\u00e9rale a atteint son niveau le plus bas enregistr\u00e9 en 2020-2021, \u00e0 7,2 % des recettes fiscales. Malgr\u00e9 la hausse anticip\u00e9e des taux d\u2019int\u00e9r\u00eat, le ratio du service de la dette du gouvernement demeurera bas, atteignant 11,5 % des recettes fiscales \u00e0 moyen terme."}}]},"bills":[],"bibtex":{"en":"@techreport{PBO-RP2122030S,\n author={Nahornick, Nora and Nicol, Caroline and Stanton, Jason and Ammar, Nasreddine and Behrend, Robert and Cl\\\u0027{e}ophat, R\\\u0027{e}gine and Creighton, Mark and Duncan, Krista and Forsyth, Jamie and Giswold, Jill and MacPhee, Sarah and Michalyshyn, Katarina and Segel-Brown, Ben and Sourang, Diarra and Vanderwees, Kaitlyn},\n title={Economic and Fiscal Outlook - March 2022},\n institution={The Office of the Parliamentary Budget Officer},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}","fr":"@techreport{DPB-RP2122030S,\n author={Nahornick, Nora and Nicol, Caroline and Stanton, Jason and Ammar, Nasreddine and Behrend, Robert and Cl\\\u0027{e}ophat, R\\\u0027{e}gine and Creighton, Mark and Duncan, Krista and Forsyth, Jamie and Giswold, Jill and MacPhee, Sarah and Michalyshyn, Katarina and Segel-Brown, Ben and Sourang, Diarra and Vanderwees, Kaitlyn},\n title={Perspectives \\\u0027{e}conomiques et financi\\`{e}res - Mars 2022},\n institution={Bureau du directeur parlementaire du budget},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}"}} {"id":"LEG-2122-033-S","is_published":"2022-02-28T15:00:06.000000Z","release_date":"2022-02-28T15:00:00.000000Z","updated_at":"2022-02-28T15:00:06.000000Z","type":"LEG","internal_id":"LEG-2122-033-S","title_en":"Volunteer Firefighters and Search and Rescue Volunteers Tax Credit Enhancement","title_fr":"Bonification du cr\u00e9dit d\u2019imp\u00f4t pour les pompiers volontaires et les volontaires participants \u00e0 des activit\u00e9s de recherche et de sauvetage","slug":"LEG-2122-033-S--volunteer-firefighters-search-rescue-volunteers-tax-credit-enhancement--bonification-credit-impot-pompiers-volontaires-volontaires-participants-activites-recherche-sauvetag","permalinks":{"en":{"website":"https:\/\/www.pbo-dpb.ca\/en\/publications\/LEG-2122-033-S--volunteer-firefighters-search-rescue-volunteers-tax-credit-enhancement--bonification-credit-impot-pompiers-volontaires-volontaires-participants-activites-recherche-sauvetag","preview":"https:\/\/www.pbo-dpb.ca\/en\/publications\/LEG-2122-033-S--volunteer-firefighters-search-rescue-volunteers-tax-credit-enhancement--bonification-credit-impot-pompiers-volontaires-volontaires-participants-activites-recherche-sauvetag"},"fr":{"website":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/LEG-2122-033-S--volunteer-firefighters-search-rescue-volunteers-tax-credit-enhancement--bonification-credit-impot-pompiers-volontaires-volontaires-participants-activites-recherche-sauvetag","preview":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/LEG-2122-033-S--volunteer-firefighters-search-rescue-volunteers-tax-credit-enhancement--bonification-credit-impot-pompiers-volontaires-volontaires-participants-activites-recherche-sauvetag"}},"artifacts":{"main":{"en":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/ef3fe88a2f1582ad004579025aa4bab698a6ce28438769f2ca0287d997241356"},"fr":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/16d90841f3410362ef7047d57cf951173abd61fba5fa0d6ae22495e95112618b"}}},"coverpages":{"distribution":{"fr":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/77ba0959a4b4627109e4656a210b928b0021d376038146f685c793b446e4a391","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/d64f6bb7fa9fa59c62d72ffea20f20b3687ffdf815f952f5e584e50d526ee213","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/bf9ee04ab619c0ca86e80dc3764269de9eeb458effb8905934f127e44017b467","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/4d077369e53ac5ffab388c2575bef3c32dfa6090961875eb12bf8c9f074a68a3","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/52caf7322944879a906834fbf3297e3ea956ab09c4af50943be5eccba0a4035a","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/6ab2fd95881c98ed68a3250a78f2eee5f3126de4017c53bf0b25837781e54621","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/32bd7360ce7eb691ae43eadefde5e7cc93906c6752194d5c49ec3fa610014627","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/ef2292d4c0a39cfb949498a5b874892bbf3c789bfc2221f787b7c466e0afee23"},"en":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/96505972624ee83fe421481b084f7b6e9ef0beed0ce690627083821debca38cf","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/5004312f122b2487df39df1b74caa9f9c408aed1199d77338dd0cf8cfc483182","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/a031f9874d7669140f00ac7a226175ffcb4428ab517fae11fece7ca69b619705","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/c11718dd025a8cfd023842ff76c415b5fc83a12e7687aa2499e7829adb3c094d","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/f4abd6f0027b230d3d33f0c0911c9557ed2b06634491aa42a7f6d0dad766306d","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/38f64efc5d1c564a88e913406702fd820ddaa813b95ae454cf2620066a66f3a7","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/e791e3dbf84e9233acfe99c7e7382811c0375d98c479fe7f1f196c9b1f77b251","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/e41810dfa76d660dd30baba3c38af8851cdbb369dbf991c91740c9c61bb056b1"}}},"metadata":{"abstract_en":"The proposed measure increases the tax credit for volunteer firefighters and search and rescue volunteers to $10,000 from $3,000 for individuals that have completed 200 hours of volunteer service in a calendar year. The measure applies to the 2022 and subsequent taxation years.\n\nThe PBO estimates that the proposed measure will generate a 5-year cost of $171 million.","abstract_fr":"La mesure propos\u00e9e fait passer le montant du cr\u00e9dit d\u2019imp\u00f4t pour les pompiers volontaires et les volontaires participant \u00e0 des activit\u00e9s de recherche et de sauvetage de 3 000 $ \u00e0 10 000 $ pour les personnes ayant effectu\u00e9 200 heures de service volontaire au cours d\u2019une ann\u00e9e civile. La mesure s\u2019applique aux ann\u00e9es d\u2019imposition 2022 et suivantes.\n\nLe DPB \u00e9value \u00e0 171 millions de dollars sur cinq ans le co\u00fbt de la mesure propos\u00e9e.","highlights":[]},"bills":[{"id":232,"created_at":"2021-11-25T10:29:53-05:00","updated_at":"2022-02-28T10:00:06-05:00","legisid":"44_1_C-201","parliament":44,"session":1,"prefix":"C","number":201,"title_en":"An Act to amend the Income Tax Act (volunteer firefighting and search and rescue volunteer services)","title_fr":"Loi modifiant la Loi de l\u2019imp\u00f4t sur le revenu (services de pompier volontaire et de volontaire en recherche et sauvetage)","bill_num":"C-201","permalinks":{"en":{"website":"https:\/\/pbo-dpb.gc.ca\/en\/legis?pa=44\u0026se=1\u0026bp=C-201"},"fr":{"website":"https:\/\/pbo-dpb.gc.ca\/fr\/legis?pa=44\u0026se=1\u0026bp=C-201"}},"pivot":{"publication_id":655,"bill_id":232}}],"bibtex":{"en":"@techreport{PBO-LEG2122033S,\n author={Cl\\\u0027{e}ophat, R\\\u0027{e}gine},\n title={Volunteer Firefighters and Search and Rescue Volunteers Tax Credit Enhancement},\n institution={The Office of the Parliamentary Budget Officer},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}","fr":"@techreport{DPB-LEG2122033S,\n author={Cl\\\u0027{e}ophat, R\\\u0027{e}gine},\n title={Bonification du cr\\\u0027{e}dit d\u2019imp\\^{o}t pour les pompiers volontaires et les volontaires participants \\`{a} des activit\\\u0027{e}s de recherche et de sauvetage},\n institution={Bureau du directeur parlementaire du budget},\n year=2022,\n \n address = \u0022Ottawa, ON\u0022\n}"}} {"id":"RP-2122-025-S","is_published":"2021-12-17T14:00:11.000000Z","release_date":"2021-12-17T14:00:00.000000Z","updated_at":"2021-12-17T14:00:11.000000Z","type":"RP","internal_id":"RP-2122-025-S","title_en":"Fiscal Analysis of Proposed Premium Reduction for Mortgage Insurance","title_fr":"Analyse financi\u00e8re du projet de baisse des primes d\u2019assurance pr\u00eat hypoth\u00e9caire","slug":"RP-2122-025-S--fiscal-analysis-proposed-premium-reduction-mortgage-insurance--analyse-financiere-projet-baisse-primes-assurance-pret-hypothecaire","permalinks":{"en":{"website":"https:\/\/www.pbo-dpb.ca\/en\/publications\/RP-2122-025-S--fiscal-analysis-proposed-premium-reduction-mortgage-insurance--analyse-financiere-projet-baisse-primes-assurance-pret-hypothecaire","preview":"https:\/\/www.pbo-dpb.ca\/en\/publications\/RP-2122-025-S--fiscal-analysis-proposed-premium-reduction-mortgage-insurance--analyse-financiere-projet-baisse-primes-assurance-pret-hypothecaire"},"fr":{"website":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/RP-2122-025-S--fiscal-analysis-proposed-premium-reduction-mortgage-insurance--analyse-financiere-projet-baisse-primes-assurance-pret-hypothecaire","preview":"https:\/\/www.pbo-dpb.ca\/fr\/publications\/RP-2122-025-S--fiscal-analysis-proposed-premium-reduction-mortgage-insurance--analyse-financiere-projet-baisse-primes-assurance-pret-hypothecaire"}},"artifacts":{"main":{"en":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/4128f9f35f024e7208563dca798e36747e1b71ebff32fb19a1942c30479f67bc"},"fr":{"public":"https:\/\/distribution-a617274656661637473.pbo-dpb.ca\/dc73e38003a4644ceace8a57262d3612a082889b20b9ecac89d3f567d89f16f7"}}},"coverpages":{"distribution":{"fr":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/660bd4a342a2cbaec72bafa495a7df578d545cf825b38b4b15a33e480a28ac65","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/94ed0ececa9e5396572e36bed35889d347c00f646491856076a7f7033f6e78d7","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/11ebdbd6ba313a6ac68e5be3b773aadd2ed0e391217e5ec3ab14e9a45e1466b6","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/dd27ca3e19d9f8b22583ee4569745be2e68d794ee598ab82834ccf28e3171c28","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/d552b6566e701b200903f76cbb2fe4ee756fc1fc130207a811846c1d108ea619","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/f231446ae5fa8114906f5a9eb4e3dedd31cb12f9446f9f6cd60a114503cb453f","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/68154d627c7afb037a54330ddccaad129b7aae3f4cf459670bd0d3b3ad510acf","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/b13bf224f0bdd99697e143aa655c669caf2c51cfb3d409ef75fbf84a68be3399"},"en":{"small":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/ea94dbb57d0cc0a31e7407993bd73afe58bfe98f4db8cc37ffaaa17226d7ea01","large":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/062da5fe15ad378d61fa78b5e6e719653786dbca3c7d653064b1744104b33c01","h150_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/913500b876abca9614f867c6f0ec90c02209cd5161fb024550eb20d222aa51ec","h150_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/bd4d676e6c578253a33d1b7b9dae4be92a58507e230c7258ad286ed70057ec83","h300_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/8ecbaaddbcadbcc61a43aa3cdc981d71ec09cd624811e99b9a2f4c2da2260908","h300_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/7a96e491837057abcd48d0522adb7bb79d7a8303719384266b5afed6f6537710","h600_png_optimized":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/890ce5de788ca5ed07beac3f0d0c198067b6fa84338df95a5b0d1e57871115b7","h600_webp":"https:\/\/distribution-i696d61676573.pbo-dpb.ca\/803d45216752ac5245fbda3b8ecaab59b52c39f7891594f7c25a96a0b6ac13ea"}}},"metadata":{"abstract_en":"This note provides fiscal analysis of the Government\u2019s proposal to reduce mortgage insurance premiums collected by the Canada Mortgage and Housing Corporation (CMHC).","abstract_fr":"La pr\u00e9sente note fournit une analyse financi\u00e8re de la proposition du gouvernement de r\u00e9duire les primes d\u2019assurance pr\u00eat hypoth\u00e9caire per\u00e7ues par la Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement (SCHL).","highlights":[{"content":{"en":"The Liberal Party of Canada\u2019s 2021 electoral platform proposed a 25% decrease in the mortgage insurance premiums charged by the Canada Mortgage and Housing Corporation (CMHC) while also increasing maximum insurable sale price to $1.25 million, which is to subsequently be indexed to inflation.","fr":"Dans sa plateforme \u00e9lectorale de 2021, le Parti lib\u00e9ral du Canada a propos\u00e9 de r\u00e9duire de 25 % les primes d\u2019assurance pr\u00eat hypoth\u00e9caire exig\u00e9es par la Soci\u00e9t\u00e9 canadienne d\u2019hypoth\u00e8ques et de logement (SCHL) tout en portant \u00e0 1,25 million de dollars le prix de vente maximum assurable, montant qui doit \u00eatre index\u00e9 \u00e0 l\u2019inflation par la suite."}},{"content":{"en":"PBO analysis finds that the cost of this measure will be $1.4 billion over five fiscal years.","fr":"D\u2019apr\u00e8s l\u2019analyse du DPB, cette mesure co\u00fbtera 1,4 milliards de dollars sur cinq ans."}},{"content":{"en":"PBO estimates that this measure would provide the average home buyer a one-time savings of $5,341 in 2022-2023, increasing to $5,863 in 2026-2027.","fr":"Le DPB \u00e9value \u00e0 5 341 $ l\u2019\u00e9conomie ponctuelle que pourrait r\u00e9aliser l\u2019acheteur moyen en 2022-2023, \u00e9conomie qui passerait \u00e0 5 863 $ en 2026-2027."}},{"content":{"en":"Having considered alternative scenarios PBO does not anticipate that CMHC will be able to increase the number of homes it insures or its market share to the point where the policy would be revenue neutral.","fr":"Ayant examin\u00e9 d\u2019autres sc\u00e9narios, le DPB ne croit pas que la SCHL pourra augmenter le nombre des maisons qu\u2019elle assure ou sa part de march\u00e9 au point de compenser l\u2019incidence de la politique sur les recettes."}}]},"bills":[],"bibtex":{"en":"@techreport{PBO-RP2122025S,\n author={Cl\\\u0027{e}ophat, R\\\u0027{e}gine and Creighton, Mark and Perrault, Louis},\n title={Fiscal Analysis of Proposed Premium Reduction for Mortgage Insurance},\n institution={The Office of the Parliamentary Budget Officer},\n year=2021,\n \n address = \u0022Ottawa, ON\u0022\n}","fr":"@techreport{DPB-RP2122025S,\n author={Cl\\\u0027{e}ophat, R\\\u0027{e}gine and Creighton, Mark and Perrault, Louis},\n title={Analyse financi\\`{e}re du projet de baisse des primes d\u2019assurance pr\\^{e}t hypoth\\\u0027{e}caire},\n institution={Bureau du directeur parlementaire du budget},\n year=2021,\n \n address = \u0022Ottawa, ON\u0022\n}"}}