Making Life More Affordable for Canadians Act

An Act respecting certain affordability measures for Canadians and another measure

Sponsor

Status

Second reading (House), as of June 6, 2025

Subscribe to a feed (what's a feed?) of speeches and votes in the House related to Bill C-4.

Summary

This is from the published bill.

Part 1 amends the Income Tax Act to reduce the marginal personal income tax rate on the lowest tax bracket to 14.5% for the 2025 taxation year and to 14% for the 2026 and subsequent taxation years.
Part 2 amends the Excise Tax Act and other related Regulations to implement a temporary GST new housing rebate for first-time home buyers.
Part 3 repeals Part 1 of the Greenhouse Gas Pollution Pricing Act and the Fuel Charge Regulations .
Part 4 amends the Canada Elections Act to make changes to the requirements relating to political parties’ policies for the protection of personal information.

Elsewhere

All sorts of information on this bill is available at LEGISinfo, an excellent resource from Parliament. You can also read the full text of the bill.

Bill numbers are reused for different bills each new session. Perhaps you were looking for one of these other C-4s:

C-4 (2021) Law An Act to amend the Criminal Code (conversion therapy)
C-4 (2020) Law COVID-19 Response Measures Act
C-4 (2020) Law Canada–United States–Mexico Agreement Implementation Act
C-4 (2016) Law An Act to amend the Canada Labour Code, the Parliamentary Employment and Staff Relations Act, the Public Service Labour Relations Act and the Income Tax Act

Debate Summary

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This is a computer-generated summary of the speeches below. Usually it’s accurate, but every now and then it’ll contain inaccuracies or total fabrications.

Bill C-4 proposes a tax cut for middle-class Canadians, eliminates the GST for first-time homebuyers on new homes up to $1 million, and removes the consumer carbon price from law.

Liberal

  • Reduces income tax rate: The bill reduces the lowest marginal personal income tax rate from 15% to 14% starting July 1, 2025, providing tax relief for over 22 million Canadians.
  • Eliminates GST on new homes for first-time buyers: The legislation eliminates the GST for first-time homebuyers on new homes valued up to $1 million, saving them up to $50,000 and helping achieve home ownership.
  • Removes consumer carbon price from law: Bill C-4 legislates the complete removal of the consumer carbon price from law, effective April 1, 2025, while maintaining pricing on large industrial emitters.
  • Delivers on election promises: The government states Bill C-4 delivers on key election promises to make life more affordable, put more money in pockets, and build a stronger, more affordable Canada.

Conservative

  • bill is insufficient: Conservatives call Bill C-4 "half measures" and an admission of failure, stating it does not adequately address the cost of living crisis caused by Liberal policies.
  • blame liberal policies: The party attributes the cost of living crisis to Liberal spending, high taxes, regulations, and lack of focus on productivity, which hinder economic growth.
  • fails to help seniors: Members criticize the bill for completely omitting seniors and failing to address their struggles with rising costs, medication, housing, and social isolation.
  • policies cause unemployment: Conservatives link rising unemployment, especially for youth, to Liberal policies like Bill C-69, payroll tax increases, and immigration mismanagement that impede job creation.

Bloc

  • Requires a budget before spending: The party criticizes the government for proposing spending measures like tax cuts without first presenting a budget or economic statement to show the financial situation.
  • Skeptical of proposed tax cut: Supporting tax cuts in principle, the party questions the funding source for this measure and notes it is not well-targeted, benefiting higher earners the most.
  • Opposes federal carbon rebate: The party strongly opposes the federal carbon tax rebate, viewing it as a costly vote-buying gimmick that unfairly excludes and penalizes Quebec despite its own carbon pricing system.
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Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Conservative

Tako Van Popta Conservative Langley Township—Fraser Heights, BC

Madam Speaker, there the member for Winnipeg North goes again saying the Liberal government is a whole new government. No, it is not. It has the same old ideas, just recycled and repackaged, and somehow it is expecting Canadians to believe that this time, finally, it has the solutions.

If we talk about housing, housing prices have doubled in the 10 years of the Liberals' regime. What is so different today that Canadians can have confidence that it is going to be different? We are not impressed with the half measures of the bill.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Conservative

Arnold Viersen Conservative Peace River—Westlock, AB

Madam Speaker, I am in my correct seat today, so thank you for recognizing me.

I want to thank the hon. member for his great speech. I know he has had a long career in the law profession, and I think land development was the area.

Can the member comment a bit about what the trend lines are around new home building in his neck of the woods?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Conservative

Tako Van Popta Conservative Langley Township—Fraser Heights, BC

Madam Speaker, new housing construction starts in my area, the Lower Mainland, are down. There might be a bit of a blip up right now. I am not quite sure exactly what the latest trends are.

A combination of bad legislation from both the federal government and the provincial NDP government has not been helping. We just wish the government would stay out of the way and encourage private enterprise to take care of the housing problem. I think it would happen in a balanced economy.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Bloc

Xavier Barsalou-Duval Bloc Pierre-Boucher—Les Patriotes—Verchères, QC

Madam Speaker, my colleague is surely among the people who voted to ask the government to present a budget before the summer, because that is one of the things both the Bloc Québécois and the Conservative Party were calling for.

I know that the member has been in office for quite a few years. Does he think that when the House votes in favour of something, it has any value? Is that something the government should take into account, or does it not matter?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Conservative

Tako Van Popta Conservative Langley Township—Fraser Heights, BC

Madam Speaker, this is the way Canadian democracy works. We get voted into this House of Commons. Canadians have once again said they want a minority government, but the Liberals are acting as though they have a majority.

The reality is that the Liberals need to work with us. They need to work with the opposition in order to get things done. They expect co-operation from us. We expect co-operation from them. What is the big deal in presenting a budget, as every government does every year? Why is the government not doing it?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:25 p.m.

Conservative

Michael Cooper Conservative St. Albert—Sturgeon River, AB

Madam Speaker, we saw half a trillion dollars of new spending without a budget. The Prime Minister speaks about new fiscal discipline, except that over the next four years, the plan is to borrow more and run even bigger deficits than Justin Trudeau's government planned to do. It seems to me that we have a continuation of the same costly policies of spending and borrowing that so greatly contributed to the cost of living crisis that Canadians now face.

Would the member agree?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:30 p.m.

Conservative

Tako Van Popta Conservative Langley Township—Fraser Heights, BC

Madam Speaker, that is a very good summary from my colleague from St. Albert—Sturgeon River as to what the problem is with Canada's economy after 10 years of Liberal governance. It is spend, spend, spend. We were somewhat optimistic that the new Prime Minister, with a degree in economics, might understand the economy better than the previous—

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:30 p.m.

The Assistant Deputy Speaker (Alexandra Mendès) Alexandra Mendes

We have to resume debate.

The hon. parliamentary secretary to the government House leader.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:30 p.m.

Winnipeg North Manitoba

Liberal

Kevin Lamoureux LiberalParliamentary Secretary to the Leader of the Government in the House of Commons

Madam Speaker, it is a pleasure to rise to speak to, yet again, a very important piece of legislation, which should come as no surprise to anyone sitting in the House. It was not that long ago that every member in this House was out knocking on doors and talking with Canadians from coast to coast to coast. There were a series of issues that came up. I can report, as I suspect all members of Parliament can, or at the very least I can assure the House that the members of the Liberal caucus can, that people were genuinely concerned about President Trump, the tariffs and the threat with respect to trade impacts, jobs and the economy. People were concerned about the issue of affordability. They were concerned about some of the issues relating to crime and having a secure Canadian border. These are the types of issues that not long ago were being debated at the doors with Canadians.

We have a new Prime Minister, who was just elected earlier this year as the leader of the Liberal Party. After he was elected as a leader, virtually his first action was to say that the carbon tax would be gone. That was very well received. Then we went into an election and heard the types of concerns I just highlighted.

I represent the residents of Winnipeg North, and I am so grateful that they chose once again to return me to the House. I want to express, in a very clear way, that their expectation, which I believe is very similar to that of Canadians throughout the country, is that there will be a high sense of co-operation here in the House of Commons with respect to what is happening in Canada today. I have now, on several occasions, challenged members of the Conservative Party in particular to recognize the last election and the issues that were being discussed at the doors, as the Liberals have been doing time and again, and to reflect on the types of legislation being introduced.

In fairness, I was very pleased to see that every member of the House of Commons voted in favour of the ways and means motion yesterday. It is a significant amount of money. Everyone inside this House recognized that and voted in favour of it.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:30 p.m.

Liberal

Mark Gerretsen Liberal Kingston and the Islands, ON

A smart move.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:30 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, that is a smart move, absolutely. It was the right thing to do, but there is a lot more to it.

I want members to think about those other issues we were hearing at the doors not that long ago. If they look at the legislation, the best bill, although I will quickly refer to three, is actually Bill C-4. What is in Bill C-4? It is a direct tax break, reducing it from 15% to 14% for every Canadian worker who is making less than $57,000 a year. That means 22 million Canadians are going to benefit from this aspect of the legislation. It is a significant amount of money. When we think of an average family of two, come 2026, we are talking well over $800. That is a lot of money.

One would think that the members opposite, based on the election, based on what they were saying to the voters and on what the voters had indicated to every political entity inside this House on the issue of affordability, would want to see a leader who would take some action. This Prime Minister and this Liberal caucus recognize that. That is the reason why we have this bill in front of us today, because we believe we need to bring in this tax break for the 22 million Canadians who would benefit from it.

It is a simple question, which I have asked members opposite even today, and they waffle. It is as if Pierre Poilievre has not given them their instructions as to what it is they are going to be doing on it. Many of my colleagues think it would be a no-brainer that they would want to support the initiative.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:35 p.m.

An hon. member

One would think he would have the time to do it.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:35 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

That might have been recorded as a heckle. I will not repeat it, but yes.

Madam Speaker, it goes further than that. The legislation would put into law getting rid of the carbon tax. Do members know how many times I stood in the chamber and heard the Conservative Party, in particular, say, “Axe the tax” and “Get rid of the carbon tax”? They wanted to get rid of the carbon tax. In fact, I can recall talking to them about how they actually flip-flopped when they had a change in leadership, changing to a different position and saying that they wanted to axe the tax.

Well, guess what? We had a leadership vote in January, and with that new leader there was a change in the policy. One would think that the Conservatives would support that, but again, they go off on some other line. It is a substantial aspect of the legislation, and yet, again, there is no indication of what they are going to do. I ask the Conservatives, but they just do not say what they are going to do on the legislation. If they believed in what they were talking about for the last little while, one would think that at least they would be saying, “Yes, that is a good thing and we are going to be supporting the legislation.”

Those are two aspects of the legislation that the Conservatives are kind of holding back on, and there is a third one. Again, it is a significant tax break. Imagine a first-time homebuyer wanting to purchase a house. We would be providing a financial incentive in the form of a tax break for first-time homebuyers for a property costing up to $1 million. Where do members think the Conservatives are falling on that issue? It is hard to tell.

Those are the big three things within the legislation. One would think the Conservatives would be strong enough to say, “Yes, Bill C-4 is an important piece of legislation, and we are going to vote in favour of it.” I do not understand why they cannot say that. Of the three things, what aspect do they actually oppose? I cannot figure it out. Maybe when Conservatives get the opportunity to ask me a question, they could start off by saying, “We actually support the legislation”, and then go on with the question, or “We do not support the legislation, and here is why”, and then go ahead and ask the question. They should provide some clarity to Canadians.

Remember that it is not like we have a great deal of time. The tax break would take effect July 1. If we do not pass the legislation by July 1, we are compromising the tax benefits of Canadians.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:35 p.m.

An hon. member

Oh, oh!

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:35 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, the member said to call for an election. Well, we had one just four or five weeks ago. I do not know whether Canadians want to see another election, but we will continue, moving forward, being a little more optimistic in that the last election made a very strong statement in itself. Canadians do have an expectation that Conservatives, New Democrats and Bloc members will work along with the government and support some critical initiatives.

There is a deadline with the piece of legislation. We need to get the legislation passed.

I would hope that my Conservative colleagues and friends across the way will give Canadians what they were asking for in the last election. The Prime Minister made the commitment to give them that tax break, along with 169 other Liberal members of Parliament. I believe that we can do that. There is no excuse for us not to do that.

This is a new Prime Minister and a new government. We can take a look at the legislation, where we highlight the benefits of Bill C-4. We can look at that legislative agenda. I want members to reflect on those three priority issues that I was able to comment on at the very beginning of the speech. We can think in terms of the one Canadian economy act, Bill C-5, which was just introduced today.

I reflect on what Canadians were telling us during the election. They are nervous. I would think everyone inside this chamber would recognize that Canadians would be better off if we were able to tackle those internal trade barriers. That could make a huge difference in terms of future taxation policy, as an example.

I am talking about billions of dollars. In fact, if we were to take down every possible barrier, it is estimated that it could be up to $200 billion. Imagine the economic and taxation benefits, in terms of potential future tax breaks. One never knows. We have to build that one economy.

Again, that is a commitment the Prime Minister made to Canadians. It is an election-mandated commitment. Today, we receive another piece of legislation to deal with that commitment, just like Bill C-4, where we made that commitment. Think about it.

Just earlier this week, the Prime Minister was in discussions, meeting in Saskatchewan with all the different first ministers. Four or five days later, here we are, on the floor of the House of Commons, being provided the opportunity to once again take on an issue of great substance and ultimately bring Canada together in a stronger and healthier way.

We look towards the opposition members of all political stripes. We had political parties of all stripes in Saskatchewan. We have Canadians of all stripes, everyone we can possibly imagine, virtually coming together and wanting to see a higher sense of co-operation on these election platform issues. That is one of the reasons the Prime Minister today is the Prime Minister today: understanding and being able to explain to Canadians the types of actions that are necessary to manage the economy and to bring us through, over the next two, three or four years, whenever the next election might be.

I could talk about Bill C-2. Again, when thinking in terms of potential budget expenditures, securing our borders, is a priority piece of legislation. It is a priority because Canadians mandated it from the last election in a very clear fashion. It is not as though the election was a year ago. We are talking about six weeks or five weeks ago. April 28 was election day, where they raised the issues of one Canada, tax breaks and concern related to our borders, dealing with things like fentanyl and automobile theft. Again, we have legislation that is there to deal with that.

Members opposite talk about safety in communities. We are talking about 1,000 new RCMP officers. We are talking about 1,000 new Canada border control agents.

We can bundle them together, take a look at Bill C-2, Bill C-4 and Bill C-5. All three of those bills come out of the election we just had.

Members opposite want to talk about if we believe it is out of our platform, then there should be no reason we do not support it. One would think. The point is that we are not here to serve a political party per se. We are here to serve our constituents and, collectively, all Canadians. This is something Canadians made very clear, crystal clear. They want the legislation to get through. We can do that.

It is amazing what one can do with unanimous consent when it comes to legislation. We have seen it in the past, and there is no reason we cannot see it this time around. Trust me, Madam Speaker, there will be a lot more legislation coming, and it will be thoroughly debated, no doubt. It will go through the committee process and so forth.

The three big items this week that have been introduced have been mandated by Canadians in a very real and tangible way. Opposition members have their choice. We live in a parliamentary system, and if they feel so inclined, they could prevent legislation from ultimately passing.

However, I can assure members opposite that I like to think I am a very opinionated person, and I will be sharing my thoughts and reflections on opposition parties and what they do over the next couple of weeks with the constituents I represent. I suspect the same will be duplicated throughout the country, because Canadians are watching. There is an expectation there.

It is not like we have a legislative agenda of 25 bills, not yet anyway. We have the priority legislation that is coming directly out of the election in the anticipation that, by putting it together, we would get a high sense of co-operation coming from all members of the House and ultimately be able to see it pass.

My ask of all members today is to take a look at it almost as a package deal where Canadians are very, very supportive. Nothing prevents members opposite from approaching the appropriate ministers if they have specific concerns. For example, yesterday, in talking about the border bill, Bill C-2, there was a lot of misinformation on the Conservatives' benches in regard to the mail system and how we are going to make Canadians safer by making changes in the legislation to enable law enforcement officers to get a warrant, in essence, to go through a letter, something they could never do before.

There is a lot to go through; I recognize that. However, I challenge members to raise concerns. Let us get legislation in a position where we could ultimately see it passed. This is what I am hoping to see and what I am going to continue to advocate for.

I did want to comment on housing, because housing is a very big issue and it is incorporated inside the legislation we are talking about today. I want to emphasize the program “build Canada homes”. I do believe the Prime Minister is very much focused on results. We will see tangible results, but we have to be prepared to see things ultimately passing through the House.

We will continue to work with different levels of government. Housing is a responsibility of the three different levels of government, not to mention the many different stakeholders that are out there. Ottawa will be there to support housing here in Canada.