Official contribution limits and withdrawal rules for Canadian registered and non-registered accounts have not moved. After September 5, 2026, there were no enacted federal or provincial changes to RRSP, TFSA, FHSA or taxable-account contribution ceilings, taxation or core mechanics.

The Canada Revenue Agency’s tables for money-purchase, RRSP, DPSP, ALDA and TFSA limits, YMPE and YAMPE, updated September 8, still show a 2026 RRSP dollar limit of $33,810 and a TFSA contribution limit of $7,000. Those are the figures that govern remaining 2026 room, not a pending revision.

Bill C-30, implementing measures from the Spring Economic Update 2026, received Royal Assent on September 4, 2026, according to the Department of Finance. That statute includes a five-year Home Buyers’ Plan grace-period extension. It sits outside the current check window and does not rewrite RRSP or TFSA dollar limits.

What is new is advocacy, not administration. On September 8, 2026, the Canadian Forum for Financial Markets (CFFiM) filed a pre-budget submission with Finance Canada. Wealth Professional reported the group’s call for Canadians to be able to keep RRSPs intact until age 74, framing the package as a response to contribution and conversion rules that have not kept pace with longevity and labour-market change since the early 1990s.

The monitoring summary of that filing lists several asks. They remain proposals unless and until they appear in legislation:

  • Raise RRSP and defined-contribution pension contribution room to 30 percent of earned income, with a suggested maximum of about $56,350
  • Apply full inflation indexing to those limits
  • Move the RRSP-to-RRIF conversion age to 74
  • Reduce or eliminate prescribed RRIF minimum withdrawals
  • Allow private equity and venture capital as qualified investments

For investors, the distinction between CRA tables and an industry brief is the whole story. Dealers, trustees and payroll systems will continue to apply the published 18 percent / $33,810 RRSP framework and the $7,000 TFSA limit. RRIF minimum factors and the age-71 conversion deadline are unchanged.

If a later conversion age or lower minimums were ever enacted, forced registered income would start later or smaller. That would alter the calendar on which RRSP and RRIF amounts hit taxable income, which can affect Old Age Security recovery tax, Guaranteed Income Supplement eligibility, and the mix of non-registered gains and dividends in a given year. Those are mechanical interactions if the law changes. They are not a reason to restructure accounts on the basis of a submission.

A higher contribution rate and dollar maximum would matter most to higher earners and to members of defined-contribution plans whose pension and RRSP room is coordinated. Expanding room to 30 percent of earned income and a ceiling near $56,350 would be a large step from the 2026 cap. Full indexing would then determine whether that ceiling erodes in real terms. None of that is in force.

The qualified-investment request is longer-cycle. Private equity and venture capital inside RRSPs or TFSAs would collide with valuation, liquidity, related-party and advantage rules that currently constrain what registered plans may hold. Product shelves would not change on the strength of a brief alone.

Confidence in the no-change finding is high because it rests on CRA limit tables and Finance Canada’s legislative record. Whether CFFiM’s specific numbers will be adopted is speculative: pre-budget filings are advocacy. The next observable checkpoints are a Fall Economic Statement, a federal budget, and any CRA registered-plans technical update that follows Royal Assent.

Until those documents exist, 2026 planning still uses $33,810 of RRSP dollar room, $7,000 of TFSA room, existing FHSA rules, and current qualified-investment lists. This overview is not tax, legal or investment advice.