This study examines the Lac-Mégantic disaster, and points the finger at corporate negligence and regulatory failure as root causes of the tragedy. According to the study, the evidence to date suggests a flawed regulatory system, dangerous cost-cutting corporate behavior, and responsibility extending to the highest levels of corporate management and government policy-making. The study also points to several other flaws in the regulatory system, and highlights some remaining questions in the wake of the accident.

This report finds that the traditional financial banking sector is not meeting the needs of all Canadians, and that the reintroduction of postal banking in Canada would offer access to financial services not now available to many Canadians. The study examines the wide range of models of postal banking in many countries, and looks at the reasons why postal banking should exist in Canada, how it could work, and some of the possible options.

Ce rapport conclut que le secteur bancaire et financier traditionnel ne répond pas aux besoins de toute la population canadienne et que la relance des services bancaires postaux au Canada donnerait accès à des services financiers dont beaucoup de Canadiens ne disposent pas maintenant. L'étude examine aussi un large éventail de modèles de services bancaires postaux offerts dans de nombreux pays et répond aux questions suivantes: Pourquoi devrait-il y avoir des services bancaires postaux au Canada? Comment de tels services pourraient-ils fonctionner?

Five years after the global economic meltdown, youth employment levels remain significantly depressed, tracking much lower than the national average.

Among the report’s key findings: