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Financial Institutions 2019 seems to have a slightly different variable structure than past vintages as well as more locations in the file, what were the reasons for the changes to the product?

We have made a few changes to how we process and package our Financial Institutions file. In past vintages we applied certain filters to remove closed branches and non-bank locations, this year we have refined these filters to provide a more reliable list of open, valid, deposit-taking institutions. And to better align the variable structure with that of the source data, from Payments Canada, we made changes to the field names within the Financial Institutions file. We also made improvements to how we geocoded the file leading to a more accurate geographic representation of where these financial institutions are located.

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