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 / 1:50 p.m.

Conservative

Clifford Small Conservative Central Newfoundland, NL

Madam Speaker, the parliamentary secretary to the House leader just talked about how Canadians are tuned in. If they are tuned in, they are watching a rerun of a 10-year-old show, the same show from the same guy, who is bawling and blaring over there, never giving his colleagues a chance to speak.

The member spoke about the election. He was wondering what we heard at the doors. I will tell members what I heard. When I knocked on doors, people said they would not be voting Liberal. I wonder why that would be. Why were they telling me they would not be voting Liberal?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:50 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, I am not a mathematician or an actuary, but I can tell members that 8.5 million people voted Liberal and for the Prime Minister. Never before has a prime minister or a party received as many votes, which, by the way, I think was about half a million more than the Conservatives. Again, I am not a mathematician. I will leave it for my good friend to figure out which number is higher.

At the end of the day, there has been more change on this side of the House than there has been on that side of the House. To top that off, the member's leader is a career politician who was here for Stephen Harper. That is nowhere close to a change.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:50 p.m.

Liberal

Mark Gerretsen Liberal Kingston and the Islands, ON

Madam Speaker, it is always great to hear my colleague from Winnipeg speak.

We have been hearing a lot of heckling from across the way. The Conservatives are always going on about stealing their ideas, saying it is not fair. The reality is that maybe if they had a better communication plan than the three-word slogans they come in here with year after year, they would be able to translate those ideas into actual action. Then people would be able to support them and vote them into office. That just does not happen.

I wonder if the parliamentary secretary could comment on how outrageous it is that the Conservatives, on the one hand, will not agree with legislation or support it, but on the other hand, will say we are stealing all their ideas. One would think that if we were stealing their ideas, they would be the first to stand up in support of them, if this was more than just about playing politics.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:50 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, it is really interesting, and I appreciate that question because the Conservatives under Pierre Poilievre's leadership really believe in slogans. I made reference to it as bumper-sticker politics. The slogan has to fit on a bumper sticker. They have impressive email campaigns. I somehow got registered for one of them. I have no idea how that happened, but that is for another day.

At the end of the day, my colleague is right. We can have all the slogans we want, but Canadians have higher expectations. They want to see an actual plan. They want a sense of comfort in knowing it. That is why I believe when they looked at their choices for leadership, they saw a former Bank of Canada governor, a former governor of the Bank of England and an economist, and compared him to a career politician who has never really worked outside of government. I think they made a good choice.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:50 p.m.

Bloc

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

Madam Speaker, I have spent a lot of time listening to speeches from the Parliamentary Secretary to the Leader of the Government in the House of Commons since the beginning of this Parliament, and it is just getting started. I should also point out that we heard from him a lot in the previous Parliament, as well.

What fascinates me is how he always speaks with such conviction. He truly believes what he is saying. I find that interesting, because he has spent the past four years selling us the NDP platform, with his hand on his heart and the utmost conviction. Now he is selling us the Conservative Party platform, with his hand on his heart and the utmost conviction.

Can he explain how he manages to swing from one extreme to the other so easily and with such conviction?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:55 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, there was no swinging involved. I like good ideas. At the end of the day, pharmacare was a good idea; at the end of the day, dental care was a good idea. I like the idea of having a school nutritional program. Equally, I like the idea of giving a tax break to 22 million Canadians. Equally, I like the idea of giving a tax break for first-time home builders. There is no swinging involved in that. I think it is recognizing at times there is a need for change. We have accomplished that.

We have a strong Prime Minister who has a plan to bring Canada to make it the strongest of the G7 nations. I look forward to the implementation of that full plan in the coming years, because I believe that we want to be there to build a stronger, healthier Canada in every region of our great nation.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:55 p.m.

Conservative

Garnett Genuis Conservative Sherwood Park—Fort Saskatchewan, AB

Madam Speaker, the hon. member spoke about slogans, and I reflect on the slogans used by the Prime Minister. One of the most absurd is his slogan to “spend less and invest more”. He is supposed to be the man with the plan, but he is the man with no budget who says that the Liberals are going to spend less but invest more, which means they are going to spend even more.

We see in the Liberals' spending that they are spending even more than Justin Trudeau planned. Canadians wanted change, but they did not want change in the direction of bigger government, more regulation, more waste, more spending and higher unemployment, and today we are seeing the effects of the Prime Minister's slogans and lack of a plan: higher unemployment across the board.

If the government has a plan, why does it not present it? Why does it not present a budget? If it has a plan, why can we not see it?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:55 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, I believe that the member opposite was around, at least in the hallways of Parliament, when Stephen Harper was prime minister. Harper was elected that February, and it took him months to introduce a budget, not until May. There was a new prime minister and a new government, and it took him months to prepare a budget. We have a new Prime Minister and a new government, and it is going to take time to actually come up with a budget that is going to be able to work in through the plan.

I suggest to the member that the ways and means motion, which he voted in favour of just yesterday, has a great deal of detail with regard to how and where money is being spent. We cannot have it both ways or people would call us hypocrites.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:55 p.m.

Liberal

Bienvenu-Olivier Ntumba Liberal Mont-Saint-Bruno—L’Acadie, QC

Madam Speaker, I agree with the comments from my colleague across the aisle. My colleague, the member for Winnipeg North, is indeed passionate about what he says. This is my first term, and I have noticed that. I am proud of his commitment to creating a strong Canada. He is driven by that passion. He speaks with ease, love and commitment.

Can he explain how eliminating the GST for first-time homebuyers will benefit families and young people?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 1:55 p.m.

Liberal

Kevin Lamoureux Liberal Winnipeg North, MB

Madam Speaker, I appreciate the compliment and the kind words.

By providing a significant tax incentive for first-time homebuyers, we would see more homes being built. We would also see, for the first time, a significant tax break for first-time homebuyers. It would be, indeed, a win-win situation and would make a difference.

On the issue of passion, I will say that in the couple of weeks we have been here, one of the things I have noticed is the amount of quality French that is being spoken by members of Parliament from the province of Quebec when they stand to advocate. It is really quite encouraging to hear so many members from the province of Quebec advocating in a very powerful way.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 2 p.m.

Conservative

Jacob Mantle Conservative York—Durham, ON

Madam Speaker, it is always a pleasure to rise in the House to comment on the legislation that we are being asked to vote on and to consider the best interests of our constituents and Canadians.

I know this is a bill supposedly dealing with affordability, but if we peel back the onion, it is fairly meagre. There have been a lot of comments asking, “If this was in the Conservatives platform, why won't you support it? Are you going to support it? What's your position?”

I would say, if the Liberals are going to steal our ideas, they should steal all of them and go full on with them, not just with half measures. If the Liberals are going to take good ideas, they can take the full good idea. If they take half an idea, well, they will get half the result, or I guess, they get Liberals.

My apologies, I did want to mention that I will be sharing my time with the member for King—Vaughan. I am still learning the ropes, as members can see.

There has been a lot of discussion, in the first week or so, on this bill and from the parliamentary secretary, about this new government, the new Liberals. They are saying it, but there is almost a bit of a wily smile behind it when they say it, as though they do not quite believe it themselves. That is quite understandable when we consider that pretty much everyone in the front bench has returned from the Justin Trudeau government, including the member for Winnipeg North, who we are always happy to hear and see. I am beginning to understand that he is here often and speaks passionately all the time, and I appreciate that.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 2 p.m.

Conservative

Kelly McCauley Conservative Edmonton West, AB

Or he is here passionately and speaks often.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 2 p.m.

Conservative

Jacob Mantle Conservative York—Durham, ON

That could be the case as well.

Madam Speaker, I am not sure the new government is really fooling anyone, even its own members. It has the same ministers talking about the same thing. Instead of coming to Canadians with a plan to actually deal with the mess that they themselves created, they have brought half measures, or crumbs. That seems to be the Liberal way, which is that the Liberals are going to overtax and over-regulate, and then give a little back and ask people to say thanks for it. That is not sufficient.

In fact, that is why we proposed, in our platform, and again, I encourage the Liberals to take the whole thing, not just half of it, to get rid of not just the consumer carbon tax but also the industrial carbon tax. It defies any understanding of basic economics to suggest that we can keep the industrial carbon tax, but that would not translate down into pricing that consumers pay. It is basic economics. If a producer has to pay more to produce their product, whether that is getting food to the table, refining gasoline or building concrete to build homes, and as members probably know, producing concrete is a large emitter of CO2, so they are going to pay a lot, that is going to directly translate into the costs of building and homes.

The Liberals suggest that we can eliminate the carbon tax and that everything will be fine. By the way, it is astounding that, for 10 years, I was told that I was a bad person, or that I did not believe in science, if I did not believe that a carbon tax would change the weather. Now the Liberals seem to say, “What carbon tax? That was not our carbon tax. What are you talking about?” It is gone, and they are sorry they did a bad PR job, even though, in their view, it was good policy. They did a bad PR job, so they have to cut it, but they will keep the industrial carbon tax and hope that Canadians do not understand the difference and do not understand some basic economics.

Canadians will understand it because most Canadians have to budget. When they do their budget, they go through their lines and they figure out their costs, including what it is going to cost this year, how much income they are going to make, what their expenses are, and whether their income is going to be satisfactory for their expenses or if they will have to cut down.

Canadians understand those concepts. I am not sure why the government does not. There is no budget. There is no plan. The parliamentary secretary and anyone else who wants to discuss this bill needs to bring us a budget to talk about affordability, not half measures that do not go the full way.

On this new government, which really is not new, it is just the same members and the same ministers, it is almost a little bit worse. The new Prime Minister seems to be pretty close and pretty friendly with the guy south of the border. That is interesting. At least with Mr. Trudeau, we saw there was really no love lost between him and the president. I am not sure that is the case here with the current Prime Minister. The reason I say that is that we often hear that the finest form of flattery is imitation, and we have seen our Prime Minister imitating Mr. Trump's actions, whether it was his first action to eliminate the consumer carbon tax, which was signing a document. To this day, I am not sure what that document was.

As any first-year law student will know, the Prime Minister does not have the authority to pass law. Was he signing this to flatter the President? Was he signing it to imitate the President? I am not sure, but he continues to do that. The Prime Minister called him a “transformational” President. That is pretty high praise from a Canadian Prime Minister. We are often accused of being like the President, but it seems that the only one who is acting like him, following him and taking his lead is the Prime Minister.

Like many members, I knocked on many doors throughout my campaign, and of course, housing and the cost of living were top issues. I am from a northern GTA riding, the last GTA riding in York Region and Durham Region, and housing is pretty expensive in my area of the country. Having a GST cut that is only for houses that are $1 million to $1.5 million would not really do enough in my area because many homes are greater than $1 million and, in fact, greater than $1.5 million.

More than that, this proposal is only for new homebuyers; it is not for new homes. Let us not forget that there is a difference here. That is why I said that if the Liberals are going to steal our idea, they should steal the whole thing.

It is not just me saying this; the industry has said it too. Bild, the industry association, has said that this proposal would affect only a small number of homebuyers. In fact, I believe it said that it would not substantially improve affordability. If the act is about affordability, but industry is telling us that this proposal would not do anything about that, then what is the point of it? If the Liberals are going to bring forward a proposal to affect affordability, it should at least achieve the objective they have set out for themselves. By their own measure, they are failing at that.

I would suggest that they go back to our platform and read it. I know they were reading it because that is clear. Maybe they could propose an amendment, or we could, to fix it for them and bring it in line with our platform. I know members are keen to learn what we have to say because we have good ideas. It is there; let us bring it in.

I will also say that many homebuyers are not necessarily first-time homebuyers. Many people start in a condo or a smaller home when they are first married before they have children, and when they move into another stage of life that needs a bigger home with more bedrooms, perhaps for more children, they buy another home. Those people are not first-time homebuyers, but they are still new homebuyers in the sense that they are moving their way up the property ladder. This proposal would not do anything for them because they would not technically be first-time homebuyers.

The bill does not go far enough. We are open to what the government has to propose when it is taken from good ideas that are ours. I would encourage the Liberal government to go back and look at those proposals, maybe amend the bill and bring it back. Then maybe we can have a debate on whether it is acceptable.

As to the carbon tax, I want to raise an important issue that was brought to my attention during the election. I have two great first nations in my riding. One of them is the Chippewas of Georgina Island First Nation. It is located on an island in the middle of Lake Simcoe, which is accessible only by ferry. When the carbon tax was implemented, the cost of diesel fuel to run that ferry increased. Even if someone believes that a carbon tax would change the weather, they have to believe that there is elasticity of supply, that if they cannot use one fuel, they can use something else to substitute it. Well, when someone runs a ferry, they cannot do that because it runs on diesel, and it is the only way to get to the first nation.

I would like the members opposite to comment on that. Perhaps, in reviewing this bill, and maybe we can propose some amendments to it, they will consider refunding communities like the Chippewas of Georgina Island, which have no alternatives and can only purchase diesel fuel. I think that would really help affordability for first nations.

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 2:10 p.m.

Conservative

Garnett Genuis Conservative Sherwood Park—Fort Saskatchewan, AB

Madam Speaker, this whole discussion around the carbon tax is interesting. I was in this place for 10 years listening to Liberals talk about how great the carbon tax was and about how it was either the carbon tax or the apocalypse. Well, if they really believed that, then they are now talking about bringing on the apocalypse, I suppose. However, they never believed that. It was always just something they said. The Liberals have also left in place the industrial carbon tax. We see the continuation of policies, like the industrial carbon tax, that are leading to the high and growing unemployment rate.

In the Conservative Party, we are here to fight for jobs, for people to be able to get back to work. Liberals continue down this path of making it harder and harder for Canadians, especially young Canadians, to find jobs.

I wonder if the member could share a bit about his response to the unemployment numbers today: 7% and substantially higher in big cities in Ontario, especially Toronto. What is his response to these numbers?

Making Life More Affordable for Canadians ActGovernment Orders

June 6th, 2025 / 2:10 p.m.

Conservative

Jacob Mantle Conservative York—Durham, ON

Madam Speaker, the numbers are out, and they are bad. We are going to hear that because, frankly, that is the truth. Especially around larger urban centres, there is high unemployment, especially high unemployment amongst youth; I believe the latest numbers show that is over 20%. That is troubling because when people cannot get their first job, they cannot get experience and they cannot build confidence, and that is going to be a problem going forward.

On that point, the highest unemployment is among youth, but what is interesting is that if we look at the youth vote, it actually all went toward Conservatives. Interestingly enough, for the first time in my life, I can say that the Conservative Party is the party of youth and energy, and that bodes very well for us.