Resources for RESP promoters

From: Employment and Social Development Canada

Temporary suspension: Saskatchewan Advantage Grant for Education Savings (SAGES)

Disclaimer: RESP promoters

The information contained on this page is technical in nature. The target audience are promoters of:

  • Registered Education Savings Plan (RESP)
  • Education savings incentives

For general information, visit the education savings section.

Consult this page frequently for newer versions. The following laws and regulations take precedence over information contained in InfoCapsules in the event of discrepancies:

  • Income Tax Act
  • Canada Education Savings Act
  • Canada Education Savings Regulations
  • The Saskatchewan Advantage Grant for Education Savings (SAGES) Act
  • The Saskatchewan Advantage Grant for Education Savings (SAGES) Regulations
  • Special Accounts Appropriation and Control Act
  • British Columbia Training and Savings Program Regulation

Introduction

Employment and Social Development Canada (ESDC) is responsible for the administration and delivery of RESPs and the education savings incentives. This site provides RESP providers with information relating to administer the RESPs and the education savings incentives. Questions about this content? Please contact us.

Please visit our information bulletins section to find important information about RESPs changes.

Training

RESP promoter training

Did you know that ESDC provides training to promoters? If your organization needs RESP training, please send us a request. Here are the course descriptions:

RESP fundamental principles

Schedule: The delivery of this course is over 3 consecutive days, 2.5 hours a session.

This course provides a general overview of RESPs and education savings incentives. We strongly encourage employees with minimal experience with RESPs to register. Participants for this course typically include:

  • financial advisors
  • sales representatives
  • call-center agents
  • administrative staff or staff that needs to understand how RESP work

Processing of RESP transactions

(Prerequisite - RESP fundamental principles)

Schedule: The delivery of this course is over 3 consecutive days, 2.5 hours a session.

This course focuses on transactional and system information throughout the production cycle. Participants will be able to apply troubleshooting techniques and solve common processing problems. Participants for this course typically include:

  • system analysts and developers
  • data integrity and compliance staff
  • trainers
  • administrative services staff who interpret error reports

Note: Given the current situation, delivery of these sessions are done via the Cisco WebEx Platform.

Register now! Upcoming WebEx group training courses for promoters

Training courses

Training course Language Registration status

Fundamental principles:

  • part 1: January 12, 2021
    9:00 a.m. to 11:30 a.m.
  • part 2: January 13, 2021
    9:00 a.m. to 11:30 a.m.
  • part 3: January 14, 2021
    9:00 a.m. to 11:30 a.m.
English Open

Fundamental principles:

  • part 1: February 9, 2021
    9:00 a.m. to 11:30 a.m.
  • part 2: February 10, 2021
    9:00 a.m. to 11:30 a.m.
  • part 3: February 11, 2021
    9:00 a.m. to 11:30 a.m.
English Open

Processing of transactions:

  • part 1: March 16, 2021
    9:00 a.m. to 11:30 a.m.
  • part 2: March 17, 2021
    9:00 a.m. to 11:30 a.m.
  • part 3: March 18, 2021
    9:00 a.m. to 11:30 a.m.
English Open

Note: This training is for representatives of financial institutions that administer RESPs and not for the general public.

To register, please complete the contact form and indicate:

  • the training dates
  • the number of participants from your organization (up to 5 participants per promoter)

Note: If you can no longer attend our virtual training, please advise us as soon as possible as space is limited.

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.
  • 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

Important, this site uses PDF form technology.

  • To print these high-quality PDF forms, you must have a PDF reader installed.
  • If you do not already have such a reader, there are several available on the Internet:
    • Adobe Reader and Foxit Reader

Application forms

ESDC Application form for Education Savings Incentives

The ESDC application for education savings incentives consists of a main form and Annexes. The application form is to request:

  • 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).

You can download and complete the Annexes separately.

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

The subscriber of an RESP uses this form (the main form) to apply for the CESG and the CLB.

  • The beneficiary’s custodial parent/legal guardian must complete Annex B if they are not also the subscriber or joint subscriber to the RESP.
  • The primary caregiver or their spouse must complete Annex B if they are not also the subscriber. This is necessary in order to request the additional amount of CESG (Additional CESG) and/or the 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.

  • Each custodial parent/legal guardian should complete a separate copy of the annex for their children if there are cousins in the RESP.
  • 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 or their spouse and/or custodial parent/legal guardian (SDE 0093-B)

The primary caregiver or their spouse and/or the custodial parent/legal guardian of the beneficiary must complete Annex B when they are not the subscriber.

Each primary caregiver or their spouse and each custodial parent/legal guardian (as applicable) should complete a separate annex for their respective children if there are cousins in the RESP.

  • The custodial parent/legal guardian must complete the annex to provide the beneficiary’s personal information, and consent to the use of this information.
  • The primary caregiver or their spouse needs to complete the annex to request the Additional CESG and the CLB.
Annex C – Application: Saskatchewan Advantage Grant for Education Savings (SAGES) (SDE 0093-C)

The subscriber of an RESP must use Annex C to apply for SAGES for beneficiaries who are residents of Saskatchewan.

  • You can include multiple beneficiaries named to the same RESP on Annex C; however, all beneficiaries must be siblings in order to receive the SAGES.
  • You do not need to complete the full CESP application form again when beneficiaries already have an RESP and a CESP application was previously completed. You only need to complete Annex C.
Annex D – Application: British Columbia Training and Education Savings Grant (BCTESG) (SDE 0093-D)

The subscriber of an RESP must use Annex D to apply for the BCTESG for eligible beneficiaries who are residents of British Columbia. The beneficiary must have a custodial parent/legal guardian who is also a resident of British Columbia.

  • You can include multiple beneficiaries named to the same RESP on Annex D; however, all beneficiaries must be siblings in order to receive the BCTESG.
  • You do not need to complete the full CESP application form again when beneficiaries already have an RESP and a CESP application was previously completed. You only need to complete Annex D.

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

RESP Transfer forms

When the same promoter (using the same business number) administers the relinquishing and receiving plans, the transfer form is not required.

When different promoters (using different business numbers) administer the receiving and relinquishing plans, both promoters must use all parts of the transfer form.

Updated RESP Transfer Form (dated 2020-07) Mandatory use date: March 1, 2021

Part A: Subscriber request (SDE 0100 – Part A)
Annex 1: Additional beneficiaries (SDE 0100 – Annex 1)
Part B: Receiving promoter (SDE 0100 – Part B)
Part C: Relinquishing promoter (SDE 0100 – Part C)

Version 2018-03 – Available until March 1, 2021

Part A: Subscriber request (SDE 0100 – Part A)
Annex 1: Additional beneficiaries (SDE 0100 – Annex 1)
Part B: Receiving promoter (SDE 0100 – Part B)
Part C: Relinquishing promoter (SDE 0100 – Part C)

Saskatchewan forms

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

The Subscriber should complete this form to request a waiver of repayment of SAGES for the active RESP. They should submit this form 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.

Laws and regulations

Applicable laws and regulations

  • Income Tax Act
  • Canada Education Savings Act
  • Canada Education Savings Regulations
  • The Saskatchewan Advantage Grant for Education Savings (SAGES) Act
  • The Saskatchewan Advantage Grant for Education Savings (SAGES) Regulations
  • Special Accounts Appropriation and Control Act
  • British Columbia Training and Savings Program Regulation

Related program

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