e-Brief June 17, 2020
Diversity and Inclusivity
As millions of people around the world unite to speak out against the killing of George Floyd, many are grappling with grief, anger and anxiety.  We are especially concerned at this time about all groups that are discriminated against in our society.  CAMA respects and values diversity, creating and leading an environment throughout our own organizations that is inclusive of all.  We commit to individual and organizational efforts to build respect, dignity, fairness, caring and equality.  As an organization and as individuals, we have an opportunity to positively impact the future and to foster greater equality for our employees and the communities that we serve.


In the latest issue of Public Sector Digest, CAMA Board Members were interviewed to discuss what their role & community looks like in the face of COVID19.    Read more in the May-June issue of Public Sector Digest https://publicsectordigest.com/issue/may-june-issue

Update on CMHC’s mortgage insurance programs
The COVID-19 pandemic is affecting all sectors of Canada’s economy, including housing. Job losses, business closures and a drop in immigration are adversely impacting Canada’s housing markets, and CMHC foresees a 9% to 18% decrease in house prices over the next 12 months, depending on the trajectory of the economic recovery. Adding to that, high household debt among homeowners continues to be of concern. Our forecasting suggests the ratio of household debt to disposable income will increase to well over 200% through 2021 (from 176% in late 2019).  We must act. In order to protect future home buyers and reduce risk to taxpayers, CMHC is changing its underwriting policies for insured mortgages. For our homeowner transactional and portfolio insurance products, effective July 1, 2020, we will:  
  • Remove exceptions to our standard Gross/Total Debt Servicing (GDS/TDS) ratio requirements of 35/42;
  • Establish minimum credit score of 680 for at least one borrower;
  • Remove non-traditional sources of down payment that increase indebtedness as an eligible equity source (e.g. third-party borrowing, unsecured loans, lines of credit, as well as from provincial and territorial lending programs); and
  • Please note that programs with a government homeowner equity grant or that require the borrower to provide the minimum required amount of down payment from their own resources remains acceptable sources of down payment for CMHC-insured financing.
These decisions are within CMHC’s authorities under the National Housing Act and are in anticipation of a potential house price adjustment. We will continue to monitor market conditions and work with our government colleagues on potential macro-prudential policy options.
Business Continuity Planning Package
muniSERV.ca is pleased to provide a Business Continuity Planning Package for you and your staff posted in the CAMA Member section.   This document includes the following topics:
  • An Introduction to Business Continuity Planning
  • A Municipal template with key components.
  • Suggestions for your overall Emergency Management Program
  • A powerpoint presentation template
  • Worksheets on Baseline Inventory, Business Impact Analysis and Business Services Risk Assessment.
This package of information is provided as a courtesy to assist you with the process of business continuity planning and the creation of your plan. Any document in this package may be reproduced without permission by municipalities and/or for non-commercial purposes only.  Users of this package should always do their own due diligence with respect to compliance to legislation in their own Province.
CAMA Celebrates Municipal Heroes
CAMA is proud to celebrate all our municipal heroes. Each municipality has amazing individuals who continue to work on the front lines to provide services to the residents in their communities. 

Town of Torbay, NL


Public Works Department



Recreation and Community Services



Town Hall – Administration, Finance, Communications, Economic Development and Planning

Free Webinars and On-line Resources Available - AccessE11

CAMA is pleased to support our 2020 Conference Exhibitors and Sponsors. Below is a listing of free webinars and on-line resources offered to all CAMA members.  Feel free to forward to your staff.


Citizen Issue Management Webinar – Municipal 311 Software for Local Government
Presented by:  AccessE11
Date:  Thursday June 25th    Time:  2 pm EDT
Understanding the Citizen Issue Management Process.   RECEIVE – Easily Capture Citizen Issues.   RESOLVE – Assign staff, track status and automatically send updates
REPORT – Dashboard view of trends with one-click reporting.   
Register: https://us02web.zoom.us/webinar/register/WN_qKb2irePQqyHUJWM8bxI5w



AccessE11     www.accesse11.com
AccessE11 is a Municipal 311, Citizen Issue & Relationship Management platform. Designed to provide small to mid-sized municipalities a simple, cost effective means to manage citizen issues. It was developed for local governments to improve their efficiency and the perceived quality of interactions with citizens that they serve. Learn more about AccessE11 Citizen Request Software here
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CAMA e-Brief is published every two weeks. Watch for the next issue on: The week of June 29th, 2020
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CAMA is a non-profit association open to all senior managers dedicated to improving municipalities in Canada.
Canadian Association of Municipal Administrators
PO Box 128, Station A
Fredericton, NB E3B 4Y2