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Credit unions in Canada
Canada has the highest per-capita membership in credit unions in North America. More than a third of the population is a member of at least one credit union.〔World Council of Credit Unions〕 Credit union membership is largest in Quebec, where they are known as ''caisses populaires'' (people's banks) and in western Canada.〔(Desjardins: a model for the rest of Canada? (Quebec's Desjardins caisses populaires). ) ''Canadian Banker.'' 1 Jan. 1999.〕
==Legislation==
Responsibility for the incorporation and regulation of credit unions resides primarily at the provincial and territorial level in Canada. Credit union legislation exists in every province of Canada but does not currently exist in the three northern territories. While legislation was adopted under the federal ''Bank Act'' in 2012 to allow for the creation of federal credit unions, no credit union currently operates under this legislation.
Credit unions and ''caisses populaires'' operate in every province of Canada. In Quebec, ''caisses populaires'' are required to be formally federated with the Caisses Populaires Desjardins.
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