Housing law: free legal information

This resource produced by Community Legal Education Ontario (CLEO) provides a list of free legal information about paying rent, eviction procedures and much more.



Benefits & credits: factsheets from the CRA

The CRA has compiled benefits and credits factsheets for:

These are available in English and French.



Consumer Vulnerability: Evidence from the Monthly COVID-19 Financial Well-being Survey

The Financial Consumer Agency of Canada’s (FCAC) COVID-19 Financial Well-being Survey, which began in August 2020, is a nationally representative hybrid online-phone survey fielded monthly, with approximately 1,000 respondents per month. The survey collects information on Canadians’ day-to-day financial management and financial well-being.

As of September 2022, the survey results show that over the past several months, financial hardships have increased for many Canadians due to the rapidly evolving economic environment. While financial vulnerability can affect anyone regardless of income, background or education, hardships have increased more for those living on a low income, Indigenous peoples, recent immigrants, and women, due to the disproportionate financial impact of the pandemic on these groups (households with low income, Indigenous people, new immigrants, and women.)

This brief report provides an overview of survey results collected between August 2020 and September 2022. In publishing this report, FCAC’s goal is to provide insight into the financial well-being of Canadians, to identify which groups are experiencing greater vulnerabilities and hardships, and to inform and target our collective response as financial ecosystem stakeholders.



Banking for newcomers to Canada

Banks offer extensive information on how newcomers to Canada can get started in their new country, including checklists, information, financial services and advice. Here is some basic information to get you started. A list of bank resources at the end of this article may also help with the financial transition to Canada.



Multicultural and newcomer charitable giving study

While much research has been conducted on how giving is correlated to factors like educational attainment or income level, the influence of ethnicity has been elusive. This research attempts to better understand how newcomers to Canada and second-generation Canadians perceive and approach giving and volunteerism.



Multilingual financial resources for Ontarians

Investing for your future is important. And no matter how much (or little) money you have to invest, having the right information and resources can help you make better decisions for you and your family.

The resources and tools provided here are intended to be a starting point for new investors, including those new to Canada. The information here can help you make more informed investment decisions and help you better protect your money.



Banking for newcomers to Canada

Banks offer extensive information on how newcomers to Canada can get started in their new country, including checklists, information, financial services and advice.

The Canadian Bankers Association has compiled some basic information to get you started including an infographic with features of the Canadian banking system. 



Ethnography of vulnerable newcomers’ experiences with taxes and benefits

This report presents the findings of an ethnographic research project undertaken by researchers at the Accelerated Business Solutions Lab (ABSL) at the Canada Revenue Agency (CRA). It is the second of a series of ethnographic reports on the experiences of vulnerable populations. The objective of this study is to develop the CRA’s understanding of newcomers’ experiences as they first encounter the Canadian tax and benefit system. These findings illuminate potential directions for improving tax and benefit information and services available for newcomers.



Taxpayer Rights in the Digital Age

This paper explores the intersection of digital innovation, digital services, access, and taxpayer rights in the Canadian context, in light of the experiences of vulnerable populations in Canada, from the perspective of the Taxpayers’ Ombudsman. Many aspects of the CRA’s digitalization can further marginalize vulnerable populations but there are also opportunities for digital services to help vulnerable persons in accessing the CRA’s services.

Providing one-on-one financial coaching to newcomers: Insights for frontline service providers

One-on-one financial help is a key financial empowerment (FE) intervention that Prosper Canada is working to pilot, scale and integrate into other social services, in collaboration with FE partners across the country. FE is increasingly gaining traction as an effective poverty reduction measure. FE interventions include financial coaching and supports that assist people to build money management skills, access income benefits, tackle debt, learn about safe financial products and services and find ways to save for emergencies.

This report shares insights on providing one-on-one financial coaching to newcomers captured through two financial coaching pilot projects that Prosper Canada conducted in collaboration with several frontline community partners.