Policies have affected credit growth, housing prices, delinquencies
More than one million contracts are up for renewal next year
Consumer spending supported by immigration-driven population growth
Mortgage borrowing powers debt rise, credit card balances up too
Mortgage buyer Freddie Mac says average is at highest level in 8 weeks — up from 6.32% last week
Strains are easing, but Vancouver remains in "crisis territory," RBC Economics says
The regulator wants to be perceived as only dealing with financial institutions, not individuals
Deposit costs will ease, but it will take time for banks' margins to improve
Latest federal government reforms will be more effective than previous budget pronouncements
Policy change comes in response to feedback from industry, Canadians