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Discover financial empowerment resources

Search this library to find research and resources from across the financial empowerment field.
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Provincial spending on housing and homelessness in Ontario

The policy brief, Provincial spending on housing and homelessness in Ontario, presents a stark reality: homelessness in Ontario is worsening, with chronic homelessness nearly doubling in just two years. The policy brief finds that:  Homelessness is worsening: Over 81,000 Ontarians experienced...

Topic: Housing and homelessness
Author: Alexi White
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Measuring unmet housing need and housing instability in households with roommates and extended family

Canada is facing housing affordability challenges. In 2021, one in five households (20.9%) lived in unaffordable housing, defined as spending 30% or more of household total income on shelter costs (Statistics Canada, 2022c). Some estimates have projected a need for an additional 3.5 million housing...

Topic: Housing and homelessness
Author: Aaron Gorski, David Heisel, Jerry Situ
Publisher: Statistics Canada
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The National Right to Housing Network Annual Report, 2024

In 2019, Canada’s National Housing Strategy Act recognized housing as a human right. This report highlights the progress, partnerships, and collective actions that have driven the right to housing movement forward, with a particular focus on key milestones and achievements in...

Topic: Housing and homelessness
Author: The National Right to Housing Network
Publisher: The National Right to Housing Network
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Impacts of rising prices on the well-being of Indigenous people, 2024

In 2024, close to half of First Nations people living off reserve (45%) and Métis (44%), and more than half of Inuit (54%) (all aged 15 years and older) reported that it was "difficult" or "very difficult" in the 12 months preceding the survey to meet their financial needs in terms of...

Topic: Health, Racial equity, Research and evaluation
Author: Statistics Canada
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Promoting Welcoming Communities: A Toolkit for Communities and Those Who Support Them

This toolkit, presented by Pathways to Prosperity, features a variety of practices and programs that can be used to address and improve each of the characteristics of a welcoming community, as identified in Toolkit I: Measuring Welcoming Communities. The goal is to mobilize and facilitate the...

Topic: Best practices
Author: Awish Alam, Leah K. Hamilton, Priscila Ribeiro Prado Barros, Victoria M. Esses
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Benefits on the street: Increasing access to benefits for street-involved individuals and families

The Working Centre in Kitchener-Waterloo has been dedicated to aiding marginalized populations for over 40 years. In partnership with Prosper Canada, it embarked on an initiative to connect the populations they serve to government benefits and tax filing support.  Recognizing the intricate...

Topic: Financial inclusion, Tax filing and benefits
Author: Prosper Canada
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Who’s hungry 2024

In partnership, Daily Bread Food Bank and North York Harvest Food Bank have released Who’s Hungry 2024 – an annual profile of poverty and food insecurity in the City of Toronto.   In the last year, there were 3.49 million client visits to Toronto food banks – nearly 1 million more visits...

Topic: Financial inclusion, Health, Poverty issues
Author: Daily Bread Food Bank & North York Harvest Food Bank
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A time for urgent action: The 2024 Repot of the National Advisory Council on Poverty

The executive summary on the progress of Opportunity for All- Canada's First Poverty Reduction Strategy identifies the availability and affordability of safe and suitable housing, the ever-increasing cost of feeding one's family, the long hours and low wages of work to barely keep your head above...

Topic: Poverty issues
Author: National Advisory Council on Poverty
Publisher: ESDC - Employment and Social Development Canada
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Mobilizing on the Right to Housing for Women & Gender-Diverse People in Canada: A Community Organizer’s Guide

Homelessness among women and gender-diverse people in Canada has been declared by the Federal Housing Advocate a national human rights crisis. This new toolkit will support the evidence- and testimony gathering for the upcoming National Housing Council’s Review Panel on Canada’s Failure to...

Topic: Housing and homelessness
Author: National Indigenous Women's Housing Network (NIWHN), Women's National Housing & Homelessness Network
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Housing costs on your mind?

On August 5, 2024, FCAC relaunched its national, multi-media advertising campaign titled “Housing Costs on Your Mind?”. The campaign promotes FCAC’s tools and resources related to renting, buying a home and owning a home with a mortgage. The campaign runs until...

Topic: Financial well-being, Housing and homelessness
Author: FCAC - Financial Consumer Agency of Canada
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The financialization of purpose-built rental housing

As the growth in the number of renter households in Canada outpaces the growth of homeownership,2 tenants, property owners and researchers are sounding the alarm that more can and must be done to recognize the right to adequate housing in Canada.  Central to these calls is a better understanding...

Topic: Housing and homelessness
Author: National Housing Council
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Intergenerational housing outcomes in Canada

Greater attention has been given in recent years to the role of parental wealth in the home ownership aspirations of younger Canadians. Just as the intergenerational transmission of income inequality is of concern, an increasing reliance on the "Bank of Mom and Dad" raises questions about how...

Topic: Housing and homelessness
Author: Statistics Canada
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Housing Need & Homelessness Amongst Gender-Diverse People in Canada

While available research indicates that gender-diverse persons experience intersecting challenges to accessing adequate housing in Canada, there has been limited human rights analysis of this group’s experiences. Available research indicates that trans and gender-diverse persons experience...

Topic: Housing and homelessness
Author: Alex Nelson, Jayne Malenfant, Kaitlin Schwan
Publisher: Women's National Housing & Homelessness Network
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Housing in First Nations Communities

Many people living in First Nations communities do not have access to housing that is safe and in good condition—a fundamental human right. Improving housing for First Nations is vital for their physical, mental, and economic health and well-being. This is the fourth time since 2003 that we...

Topic: Housing and homelessness
Author: Auditor General of Canada
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The B.C. pilot project that prevents affordable housing loss

Between 2016 and 2021, B.C. lost nearly 100,000 rental units priced below $1,000 monthly. For every new affordable rental home built in B.C., four more are lost to investors, conversions, demolition and rent increases, and new affordable units do not compensate for the loss of existing ones. The...

Topic: Housing and homelessness
Author: Diane Beard
Publisher: Future of Good
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About Reaching Home: Canada’s Homelessness Strategy

Reaching Home: Canada's Homelessness Strategy is a community-based program aimed at preventing and reducing homelessness across Canada. This program provides funding to urban, Indigenous, rural and remote communities to help them address their local homelessness needs. Click "Access this resource"...

Topic: Housing and homelessness
Author: Government of Canada
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Final Report: Upholding dignity and human rights: the Federal Housing Advocate’s review of homeless encampments

Canada's homeless encampments are a national human rights crisis. A growing number of people in Canada are having to live in tents or informal shelters to survive due to a lack of affordable housing, limited support services, and nowhere safe to go. Recognizing the severity of this crisis, the...

Topic: Housing and homelessness
Author: Marie-Josée Houle
Publisher: Canadian Human Rights Commission
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Resourcing rights claimants: closing the gap to exercising the national housing strategy act

The National Housing Strategy Act (NHSA) of 2019 introduced landmark human rights mechanisms aimed at addressing systemic housing issues in Canada. These mechanisms enable rights holders who have borne the brunt of Canada’s housing crisis to have their voices heard, claim their rights, and offer...

Topic: Best practices, Housing and homelessness
Author: Michèle Biss, Sahar Raza
Publisher: The National Right to Housing Network
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Risks to Canada’s economy remain high as household debt levels continue to grow

Economies around the world have had some rough years recently. From a global pandemic, a bout of inflation, a disruption in supply chains, coping with a European war and ongoing concern about global financial stability. The Canadian economy has weathered these storms as well, if not better than...

Topic: Credit & Debt, Housing and homelessness
Author: CMHC: Canada Mortgage and Housing Corporation
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Housing supply report

The Housing Supply Report provides regular insights on new housing supply in Canada’s major cities and urban areas. These insights can help us understand the supply responsiveness that we know contributes to price escalation and housing affordability challenges. This report examines new housing...

Topic: Housing and homelessness
Author: CMHC: Canada Mortgage and Housing Corporation
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Your guide to housing and mortgage support in Canada

In Canada, laws and regulations protect financial consumers, ensuring they are treated fairly and have access to essential banking services. These rules prioritize helping people achieve better financial outcomes, especially concerning homeownership and mortgage difficulties. The Canada Mortgage...

Topic: Consumer protection, Housing and homelessness
Author: CMHC: Canada Mortgage and Housing Corporation
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Blueprint for Transformation: the 2023 Report of the National Advisory Council on Poverty

This is the 2023 report on the progress of Opportunity for All – Canada’s First Poverty Reduction Strategy (PRS). While COVID-19 still threatens communities in Canada and around the world, the public health measures have largely been lifted. Temporary economic measures have also ended. At the...

Topic: Financial well-being, Poverty issues
Author: Government of Canada
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Status First Nations People in Canada: A snapshot from the 2021 census

This is a custom report produced by Statistics Canada in collaboration with the Assembly of First Nations. It includes key social and economic statistics regarding Status First Nations people living on and off reserve and includes comparisons with the non-Indigenous...

Topic: Financial inclusion, Racial equity
Author: Assembly of First Nations, Statistics Canada
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Poverty report cards

Food Banks Canada's all-new Poverty Report Cards initiative grades how poverty reduction efforts are going in the provincial, territorial, and federal governments. The report cards will help policymakers and decision-makers at all levels of government gauge their performance in the fight against...

Topic: Health
Author: Food Banks Canada
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Advocating for change: The housing crisis in Canada

The Office of the Federal Housing Advocate released their annual report to the federal Housing Minister, outlining findings from submissions they received from 2022 to 2023 through their online public submission process that allows people from across Canada to report directly to the Advocate...

Topic: Housing and homelessness
Author: Office of the Federal Housing Advocate
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