Two consumer protection measures: NSF fee cap at $10 per transaction effective March 12, 2026 (down from $45-48 at Big Five banks, saving Canadians $619M/year). Federal minimum wage increases to $18.10/hour effective April 1, 2026. These are modest but confirmed interventions that directly affect household budgets.

Epoch: 117

Domain: labour

Fiscal cost estimate (LLM): $0.62B CAD

Structural estimate (RIPPLE): +$0.07B CAD net (v3-bfs-signed depth=2, decay=0.5/hop; diverges)

Top RIPPLE cost paths

• +$0.06B → canada_health_transfer (Canada Health Transfer (CHT)) via gdp_growth

Variable changes

• federal_minimum_wage: {"new": 18.1, "old": 17.75}
• nsf_fee_cap_consumer_savings: {"new": 619, "old": 0}