Forecasting Canadian Consumer Insolvencies

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From Economic Indicators to a Practical Predictive Model September 2026 Executive Summary Can Canadian consumer insolvencies be forecast with reasonable accuracy? That question was the starting point for an extensive analysis of Canadian consumer insolvency statistics and economic data. Historical insolvency filings published by the Office of the Superintendent of Bankruptcy Canada (OSB) were combined … Read more

What Drives Consumer Insolvencies in Canada?

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Introduction: Consumer insolvency activity is often viewed as a barometer of household financial stress. Periods of rising insolvency filings frequently coincide with economic disruption, while periods of economic expansion are often associated with lower filing volumes. Yet the relationship between economic conditions and consumer insolvencies is more complex than many observers assume. No single variable … Read more

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