Resources for RESP promoters

Disclaimer: RESP promoters

The information contained on this page is technical in nature and is intended for Registered Education Savings Plan (RESP) and Canada Education Savings Program promoters. For general information, visit the RESP section.


IMPORTANT:
RESP promoters should be advised that on March 22, 2017, the Government of Saskatchewan announced the temporary suspension of the Saskatchewan Advantage Grant for Education Savings (SAGES), starting on contributions made in 2018, and until further notice. The suspension does not impact other RESP savings incentives administered by the Government of Canada. For further information, please refer to Info Bulletin CESP/PCEE-2016/17-008-711.

Employment and Social Development Canada (ESDC) is responsible for the administration and delivery of a number of education savings incentives available to eligible beneficiaries of Registered Education Savings Plans (RESPs). This site provides RESP promoters with information relating to the administration of the RESPs and education savings incentives. If you have any questions or comments about this content, please contact us.

Have you visited our information bulletins section to ensure your organization is aware of any CESP changes, policy revisions or updated forms?

Training

Onsite training

Individual RESP promoter training

Did you know that ESDC provides onsite training to individual promoters? If your organization is interested in receiving RESP training at your place of business, please send us a request using the contact form. Here are the course descriptions:

  • Course #1: CESP Fundamental Principles
    This course offers a detailed walk-through of the purpose, rules and requirements of education savings incentives. This training is ideal for financial advisors, sales representatives, and call-center agents.
  • Course #2: Processing of CESP Transactions
    (Prerequisite - Course #1: CESP Fundamental Principles)

    This course focuses on transactional and system information throughout the production cycle. Participants will be able to apply trouble-shooting techniques and solve common processing problems. Participants for this course typically include system analysts and developers, data integrity and compliance staff, as well as trainers and administrative services staff who interpret error reports.

Group RESP promoter training

Register now! Upcoming training courses for RESP promoters!

ESDC wishes to invite RESP promoters to its facilitated group training in cities such as Toronto, Vancouver and Montreal. Course #1 and course #2 descriptions are available in the individual RESP promoter training section.

Note:

This training is offered to representatives of financial institutions that administer the RESP savings incentives available from ESDC. These courses are not intended for the general public.

To register, please complete the contact form and indicate:

  • the city,
  • the training dates (courses #1 and #2, or course #1 only), and
  • the number of participants from your organization (up to 4 participants per promoter).

Note:

If you are unable to attend any of the training, please advise us using the contact form link as soon as possible.

City Training site Language Training dates Registration Status
Toronto Joseph Shepard Building
4900 Yonge Street
English Course #1: May 18, 2017
Course #2: May 19, 2017
Closed
Toronto The Chelsea Hotel
33 Gerrard Street West
English Course #1: June 15, 2017
Course #2: June 16, 2017
Closed
Toronto Joseph Shepard Building
4900 Yonge Street
English Course #1: October 17, 2017
Course #2: October 18, 2017
Full
Vancouver To be determined English Course #1: October 26, 2017
Course #2: October 27, 2017
Open
Montréal To be determined French Course #1: November 9, 2017
Course #2: November 10, 2017
Open
Toronto Joseph Shepard Building
4900 Yonge Street
English Course #1: November 30, 2017
Course #2: December 1, 2017
Open
Toronto Joseph Shepard Building
4900 Yonge Street
English Course #1: January 25, 2018
Course #2: January 26, 2018
Open

Note:

For alternative arrangements, please inquire using the contact form.

Distance learning

Virtual classroom training

Did you know that ESDC also provides the same onsite training courses listed above to individual promoters using a distance learning internet-based platform (WebEx)? Participants can login as a group (i.e. boardroom) or as an individual from their own desktop. If your organization is interested in receiving RESP training via distance learning, please send us a request using the contact form.

Webinars

Are you too busy for full-day training? You can register for an upcoming webinar or view a previously broadcasted webinar on specific topics related to the education savings incentives administered by ESDC. These hour-long webinars are delivered via a distance learning internet-based platform (WebEx) so that you can learn from the convenience of your own workstation. New webinars are scheduled throughout the year so check back regularly!

eLearning

This self-paced, online training is designed to help you learn the basic concepts about education savings incentives, such as the Canada Education Savings Grant, the Canada Learning Bond, and much more. It is also a helpful resource for employees of RESP promoters that only require high-level details, such as tellers and front-line staff, tax and estate planners and file managers.

User guides and publications

User Guides and Publications

  • RESP Provider User Guide: Provides information about Registered Education Savings Plans (RESPs) and the education savings incentives administered by Employment and Social Development Canada (ESDC). It also assists the financial industry to successfully complete and submit RESP transactions to the Canada Education Savings Program (CESP) system.
  • InfoCapsules: One-page quick-reference documents that explain the RESP and the education savings incentives administered by ESDC.
  • InfoBulletins: Provides information about updates and changes to the RESP and the education savings incentives administered by ESDC.
  • CESG-CLB - Quick Facts: Provides information about the Canada Education Savings Grant (CESG) and the Canada Learning Bond (CLB) and how to apply.
  • CESP Statistical Reviews: These reports inform you of the statistics on the incentives offered by the CESP, that is, on RESPs, the CESG and the CLB.
Systems documentation

Systems Documentation

  • Understanding Error Codes: Explains error codes generated by the Canada Education Savings Program (CESP) system and provides guidance on how to resolve them.
  • Understanding Refusal Reasons: Indicates and explains why refusal reasons are generated by the CESP system for transactions requesting grant or bond, which met all formatting rules, and were processed but did not receive full grant or bond payments.
  • Data Operations and Connectivity: Provides detailed information about how to set up secure encrypted bi-directional telecommunications operations between financial institutions and Employment and Social Development Canada (ESDC).
  • Industry Testing Guide: Outlines the guidelines and processes for Industry Testing of the CESP system. It should be read in conjunction with the Interface Transaction Standards.
  • Interface Transaction Standards: Contains the detailed data formats for electronically exchanging financial and contract transactions with the CESP.
  • Production Cut-Off Dates: Provides the production cut-off dates for monthly production runs.
Forms

Forms

Electronic versions of the forms published by the Canada Education Savings Program (CESP).

Application Forms

CESP Application Form

The CESP application is comprised of a main form and annexes. The CESP application is to be used for the Canada Education Savings Grant (CESG), the Canada Learning Bond (CLB), the Saskatchewan Advantage Grant for Education Savings (SAGES) and the British Columbia Training and Education Savings Grant (BCTESG). The annexes can be downloaded and completed separately.

APPLICATION: Canada Education Savings Grant (CESG) and Canada Learning Bond (CLB) (SDE 0093)

This part of the form (the main form) is used by the subscriber of an RESP to apply for the CESG and the CLB.

  • If the subscriber or joint subscriber is not the beneficiary’s custodial parent/legal guardian, ANNEX B must be completed.
  • If the subscriber or joint subscriber is not the beneficiary’s primary caregiver, ANNEX B needs to be completed to apply for the additional amount of CESG (Additional CESG) and/or the CLB.
  • Download the PDF form (621 Kb) of the Canada Education Savings Grant (CESG) and Canada Learning Bond (CLB)
ANNEX A – Additional beneficiaries (SDE 0093-A)

The custodial parent/legal guardian can use ANNEX A when there are multiple beneficiaries named to the same RESP.

  • If there are cousins in the RESP, a separate copy of the annex should be completed by each custodial parent/legal guardian for their children.
  • Note that in order to receive the Additional CESG and/or the CLB, all beneficiaries named to the RESP must be siblings.
ANNEX B – Primary caregiver and/or custodial parent/legal guardian (SDE 0093-B)

ANNEX B must be completed when the subscriber is not the primary caregiver and/or the custodial parent/legal guardian of the beneficiary.

If there are cousins in the RESP, a separate copy of the annex should be completed by each primary caregiver and each custodial parent/legal guardian (as applicable) for their respective children.

  • The custodial parent/legal guardian must complete the annex to provide the beneficiary’s personal information (including the Social Insurance Number), and consent to the use of this information.
  • The primary caregiver needs to complete the annex to apply for the Additional CESG and the CLB.
ANNEX C – APPLICATION: Saskatchewan Advantage Grant for Education Savings (SAGES) (SDE 0093-D)

ANNEX C is used by the subscriber of an RESP to apply for SAGES for beneficiaries who are residents of Saskatchewan.

  • Multiple beneficiaries named to the same RESP can be included directly on ANNEX C. However, if there is more than one beneficiary named to the RESP, all beneficiaries must be siblings for SAGES to be paid.
  • For beneficiaries who already have an RESP and for whom a CESP application form has previously been completed (including the old versions), there is no need to complete the full CESP application form again. Only ANNEX C is required.
ANNEX D – APPLICATION: British Columbia Training and Education Savings Grant (BCTESG) (SDE 0093-D)

ANNEX D is used by the subscriber of an RESP to apply for the BCTESG for beneficiaries who are residents of British Columbia with a custodial parent/legal guardian who is also a resident of British Columbia.

  • Multiple beneficiaries named to the same RESP can be included on ANNEX D. However, if there is more than one beneficiary named to the RESP, all beneficiaries must be siblings for BCTESG to be paid.
  • For beneficiaries who already have an RESP and for whom a CESP application form has previously been completed (including the old versions), there is no need to complete the full CESP Application Form again. Only ANNEX D is required.

See Appendix A of the RESP Provider User Guide for detailed instructions and checklists for completing this form properly.

RESP Transfer Forms

All RESP promoters involved in the transfer of RESP assets must use and complete Areas IV and V of the new Transfer Form B in the exchange of the required information. In addition, promoters have two options for providing the remaining information:

  1. Use the old Transfer Form (SDE 0050) or
  2. Use the December 2012 version of Form A (SDE 0088) and Form C (SDE 0090).
Form A: General Information – Subscriber (SDE 0088)
Form B: RESP Account/Beneficiary Transfer Information – Receiving Promoter (SDE 0089)

All promoters are required to complete Areas IV and V on all transfers.

Form C: RESP Account/Beneficiary Transfer Information – Relinquishing Promoter (SDE 0090)
Old Form: Registered Education Savings Plan (RESP) Transfers (SDE 0050)

Important Message

New RESP Transfer Forms have been developed. In order to ensure a uniform process when transferring Canada Education Savings Grant (CESG), Canada Learning Bond (CLB), and provincial incentives administered by the Canada Education Savings Program between RESPs, the use of these forms will be mandatory in the winter of 2013-2014. Please see the following Information Bulletins for more information on these new RESP Transfer Forms:

Saskatchewan Forms

Request for Waiver of Repayment of Saskatchewan Advantage Grant for Education Savings (SAGES)

To request a waiver of repayment of SAGES grants, the RESP Subscriber should complete this Waiver of Repayment for the active RESP and submit to the Saskatchewan Ministry of Advanced Education within 12 months of the RESP contribution withdrawal date.

Additional Forms

Subscriber Statement for an RESP Over-contribution Withdrawal of $4,000 or Less (SDE 0074)

Verification of Enrolment in Post-Secondary Education

Promoters list

Promoters List

We provide a list of RESP promoters as an information service for the public.

Get on the list

If you are not on the list and wish to be added there are three requirements:

  1. Your company must have an education savings plan that is registered by the Canada Revenue Agency.
  2. You must be an active Promoter.
  3. You must make your request for addition to the list in writing to:
    • Canada Education Savings Program
    • Employment and Social Development Canada (ESDC)
    • 140 Promenade du Portage, Phase IV, Mailstop: Bag 4
    • Gatineau, Quebec
    • K1A 0J9
    • Fax: (819) 654-8703
    • Contact us: Canada Education Savings Program

We will need your complete company name and address, telephone number and e-mail address for posting on the list. Your application will be considered by CESP as authorization to make the above information available to the public on our site. You should note that the CESP reserves the right to remove inactive promoters from the list.

Update your information

We encourage all promoters to periodically check their company information on the Promoter List. If your company information has changed since it was posted and you want it updated, please make your request in writing to the program.

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