The CRA confirmed its prescribed rate holds at 3 percent for a sixth consecutive quarter, even as rising Government of Canada bond yields raise the odds that the rate used to calculate it moves higher next year.

A 50% US tariff on Canadian goods takes effect at 12:01 a.m. Tuesday with no exemption and no runway. What advisors can still control sits inside the CCPC, not outside it.

Government of Canada yields just climbed to their highest since 2024, and the gap with the CRA's locked family loan rate has not been this wide in years.

Government of Canada bond yields just touched a 26-month high, and short-term Treasury bill yields tend to follow. The window to lock a prescribed rate loan at 3% narrows as the Q4 rate-setting auctions approach.

A fifth straight quarter at 3 percent keeps the income-splitting loan strategy open, and the math says a sixth is likely.

A blowout jobs report moved the five-year bond yield within minutes. The CRA's prescribed rate held for a fifth straight quarter. Advisors need to know which conversation applies to which client.

The CRA confirmed the prescribed rate for family income splitting loans holds at 3% for a fifth straight quarter. While Washington debates a hike this afternoon, the Canadian Treasury bill auctions that actually set this number show no sign of following.

Mortgage-linked bond yields are easing this week as oil's war premium unwinds, but the CRA's income-splitting rate is anchored to a completely different curve that has not moved in a year.

Trump's 50% tariffs on wine, cement and a dozen other categories take effect August 19. For CCPC owners in the affected sectors, that date is now a planning deadline.

The prescribed rate has held at three per cent for five straight quarters, the lowest sustained level since 2022, and Governor Macklem's own comments this month put a real hike scenario back on the table.

The mandatory six-year review of the trade agreement became an annual one after the United States declined to extend it on July 1, and that shift in frequency, not any single tariff line, is what changes the planning calculus for CCPC clients with U.S.-facing revenue.

Bond yields have climbed across 2026 as Middle East conflict pushes energy costs into the inflation outlook, but the three-month Treasury bill that actually sets the CRA's prescribed rate has moved just 4 basis points since March. For prescribed-rate loan planning, the window may be wider than the headline bond story suggests.

The CRA held its family-loan rate at 3 per cent for a fifth straight quarter while the Government of Canada five-year yield that prices mortgage renewals climbed to 3.15 per cent this week, and the gap will not last.

CRA's family income splitting loan rate stays flat through September, while a narrower corporate rate quietly ticked higher.

The CRA prescribed rate stays at 3% for a fifth straight quarter, but falling bond yields on oil's decline suggest the input that sets it may be about to move.

Bond yields have risen on this year's inflation shock, but the rate that governs income splitting loans has not moved. The widening gap is a planning window, not a footnote.