<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
  <marc:record>
    <marc:leader>00000cam  2200000zi 4500</marc:leader>
    <marc:controlfield tag="001">9.959207</marc:controlfield>
    <marc:controlfield tag="003">CaOODSP</marc:controlfield>
    <marc:controlfield tag="005">20260123093922</marc:controlfield>
    <marc:controlfield tag="006">m     o  d f      </marc:controlfield>
    <marc:controlfield tag="007">cr cn|||||||||</marc:controlfield>
    <marc:controlfield tag="008">260123e202601##onca    ob   f000 0 eng d</marc:controlfield>
    <marc:datafield tag="040" ind1=" " ind2=" ">
      <marc:subfield code="a">CaOODSP</marc:subfield>
      <marc:subfield code="b">eng</marc:subfield>
      <marc:subfield code="e">rda</marc:subfield>
      <marc:subfield code="c">CaOODSP</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="043" ind1=" " ind2=" ">
      <marc:subfield code="a">n-cn---</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="086" ind1="1" ind2=" ">
      <marc:subfield code="a">YC11-0/451-2E-PDF</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="110" ind1="1" ind2=" ">
      <marc:subfield code="a">Canada. </marc:subfield>
      <marc:subfield code="b">Parliament. </marc:subfield>
      <marc:subfield code="b">Senate. </marc:subfield>
      <marc:subfield code="b">Standing Committee on Banking, Commerce and the Economy, </marc:subfield>
      <marc:subfield code="e">author, </marc:subfield>
      <marc:subfield code="e">issuing body.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="245" ind1="1" ind2="0">
      <marc:subfield code="a">Out of reach : </marc:subfield>
      <marc:subfield code="b">unlocking Canada's housing affordability crisis : report of the Standing Senate Committee on Banking, Commerce and the Economy / </marc:subfield>
      <marc:subfield code="c">the Honourable Clément Gignac, chair ; the Honourable Toni Varone, deputy chair.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="246" ind1="1" ind2="3">
      <marc:subfield code="a">Out of reach : </marc:subfield>
      <marc:subfield code="b">unlocking Canada's housing affordability crisis</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="264" ind1=" " ind2="1">
      <marc:subfield code="a">Ottawa, Ontario, Canada : </marc:subfield>
      <marc:subfield code="b">Senate, Canada = Senat, Canada, </marc:subfield>
      <marc:subfield code="c">January 2026.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="300" ind1=" " ind2=" ">
      <marc:subfield code="a">1 online resource (48 pages) : </marc:subfield>
      <marc:subfield code="b">colour illustrations.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="336" ind1=" " ind2=" ">
      <marc:subfield code="a">text</marc:subfield>
      <marc:subfield code="b">txt</marc:subfield>
      <marc:subfield code="2">rdacontent</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="337" ind1=" " ind2=" ">
      <marc:subfield code="a">computer</marc:subfield>
      <marc:subfield code="b">c</marc:subfield>
      <marc:subfield code="2">rdamedia</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="338" ind1=" " ind2=" ">
      <marc:subfield code="a">online resource</marc:subfield>
      <marc:subfield code="b">cr</marc:subfield>
      <marc:subfield code="2">rdacarrier</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="490" ind1="1" ind2=" ">
      <marc:subfield code="a">Report of the Standing Senate Committee on Banking, Commerce and the Economy ; </marc:subfield>
      <marc:subfield code="v">[2nd report, 45th Parliament, 1st Session]</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">Issued also in French under title: Hors de portée : déverrouiller l'abordabilité de la crise du logement au Canada : rapport du Comité sénatorial permanent des banques, du commerce et de l'économie.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">Title from cover.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="504" ind1=" " ind2=" ">
      <marc:subfield code="a">Includes bibliographical references.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="520" ind1=" " ind2=" ">
      <marc:subfield code="a">"The Standing Senate Committee on Banking, Commerce and the Economy began its study on housing in October 2023 at a time when Canada was experiencing a deepening housing affordability crisis marked by rapidly rising home prices, limited supply, and increasing demand. … The committee resumed its study on 1 October 2025, focusing on the challenges currently facing Canadian homebuyers—particularly, the effects of government taxes, fees, and levies. Over nine meetings, the committee heard that many housing markets in Canada face a troubling paradox: homes are priced beyond buyers' reach while construction and land costs have receded. Young Canadians, in particular, are coping with significant financial strain, with many feeling that home ownership is unattainable. The committee believes that the urgency of the situation calls for coordinated and coherent action among all stakeholders and levels of government. This report provides a summary of witness testimony, committee observations and makes 12 recommendations for key policy changes necessary for reducing housing prices and increasing supply, supporting a robust housing sector and improving access to housing for all Canadians"--Executive summary, page 7.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Housing policy</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Housing</marc:subfield>
      <marc:subfield code="x">Prices</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">House construction</marc:subfield>
      <marc:subfield code="z">Canada</marc:subfield>
      <marc:subfield code="x">Costs.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Housing</marc:subfield>
      <marc:subfield code="x">Taxation</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Real property tax</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Impact fees</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="650" ind1=" " ind2="0">
      <marc:subfield code="a">Federal aid to housing</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="700" ind1="1" ind2=" ">
      <marc:subfield code="a">Gignac, Clément, </marc:subfield>
      <marc:subfield code="d">1955-</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="700" ind1="1" ind2=" ">
      <marc:subfield code="a">Varone, Toni.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="775" ind1="0" ind2="8">
      <marc:subfield code="t">Hors de portée : </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.959208</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="830" ind1="#" ind2="0">
      <marc:subfield code="a">Report of the Standing Senate Committee on Banking, Commerce and the Economy ;</marc:subfield>
      <marc:subfield code="v">2nd report, 45th Parliament, 1st Session.</marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.924593</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="856" ind1="4" ind2="0">
      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">1.05 MB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2026/sen/yc11-0/YC11-0-451-2-eng.pdf</marc:subfield>
    </marc:datafield>
  </marc:record>
</marc:collection>
