The regulator said it's essential that lenders test borrowers to ensure that they can pay their debts
Hours spent worrying increased 25% over the last year
The household debt service ratio fell, however, to 13.32% in the third quarter
Vulnerabilities linked to household debt appear to be on the rise again as pandemic aid winds down
Margin borrowing has grown alongside the increase in AUM
The rating agency sees conditions deteriorating as life, and spending habits, return to normal
Bankruptcies down sharply, consumer proposals decline too
Younger, less affluent households see larger wealth gains
The figure is the second-highest on record but an improvement over 2020
The recent throne speech said recovery from the pandemic will be fuelled by growth, not spending cuts or tax hikes