Directory · trust and loan
Federally regulated trust and loan companies
Deposit-takers that aren’t banks: 41 trust companies and 12 loan companies on OSFI’s list. Many belong to banking groups and are CDIC members in their own right. Where one is a CDIC member, eligible deposits are covered on the same $100,000-per-category terms as at a bank; the list shows which are.
OSFI and CDIC lists checked October 30, 2026
Trust companies
| Trust company | CDIC member |
|---|---|
| B2B Trustco | Yes |
| BMO Trust Company | Yes |
| The Bank of Nova Scotia Trust Company | Yes |
| CIBC Mellon Trust Company | Yes |
| CIBC Trust Corporation | Yes |
| The Canada Trust Company | Yes |
| Canadian Western Trust Company | Yes |
| Central 1 Trust Company | No |
| Cidel Trust Company | No |
| Citizens Trust Company | No |
| Community Trust Company | Yes |
| Computershare Advantage Trust of Canada | No |
| Computershare Trust Company of Canada | Yes |
| Concentra Trust | Yes |
| Desjardins Trust Inc. | Yes |
| The Effort Trust Company | Yes |
| Equitable Trust | Yes |
| FNB Trust | No |
| Fiduciary Trust Company of Canada | No |
| Home Trust Company | Yes |
| Industrial Alliance Trust Inc. | Yes |
| Investors Group Trust Co. Ltd. | Yes |
| LBC Trust | Yes |
| Laurentian Trust of Canada Inc. | Yes |
| Legacy Private Trust | Yes |
| Manulife Trust Company | Yes |
| Montreal Trust Company of Canada | Yes |
| Natcan Trust Company | Yes |
| National Trust Company | Yes |
| The Northern Trust Company, Canada | No |
| Odyssey Trust Company | No |
| Peace Hills Trust Company | Yes |
| Peoples Trust Company | Yes |
| RBC Investor Services Trust | Yes |
| The Royal Trust Company | Yes |
| Royal Trust Corporation of Canada | Yes |
| Solus Trust Company | No |
| State Street Trust Company Canada | No |
| Sun Life Financial Trust Inc. | Yes |
| TSX Trust Company | No |
| Valiant Trust Company | Yes |
Loan companies
| Loan company | CDIC member |
|---|---|
| BMO Mortgage Corp. | No |
| Bank of Montreal Mortgage Corporation | Yes |
| CCB Mortgage Investment Corporation (In Liquidation) | No |
| CIBC Mortgages Inc. | Yes |
| GPC Financial Corporation | No |
| League Savings and Mortgage Company | Yes |
| MCAN Mortgage Corporation | Yes |
| Royal Bank Mortgage Corporation | Yes |
| Scotia Mortgage Corporation | Yes |
| Settlers Savings and Mortgage Corporation (In Liquidation) | No |
| TD Mortgage Corporation | Yes |
| TD Pacific Mortgage Corporation | Yes |
Is a GIC at a trust company protected?
Worked example — a GIC and a TFSA at a trust company that is a CDIC member
| Deposit | Amount | Protected | Not protected |
|---|---|---|---|
| Trust company (CDIC member): Own name | $250,000 | $100,000 | $150,000 |
| Trust company (CDIC member): TFSA | $40,000 | $40,000 | $0 |
Total $290,000; protected $140,000; not protected $150,000. Try your own deposits in the deposit safety tool.
Trust companies can act as trustees and take deposits; loan companies focus on lending. A deposit at a bank’s trust or mortgage company is insured under that company’s CDIC membership, separately from the bank’s. Some names here are in liquidation or don’t take retail deposits — they show as non-members.
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