CRA Auto-Filing Is Now LAW — What They Don't Want You To Know

The CRA can now file your tax return for you by default. It became law on March 12, 2026 under Bill C-4, it is opt-out instead of opt-in, and the version the CRA files is built only from the slips it already has. That means your medical expenses, your donations, your caregiver amounts, and the other deductions only you know about are simply left off. The pilot launches this fall. By March 2027, roughly one million Canadians will be invited through My Account, and by the 2028 tax year that number reaches five and a half million. If you do not respond within 90 days, the CRA's version becomes your final return. I am Andrew Graves. I have spent years working in Canadian tax and personal finance. In this video I break down exactly what deemed filing is, why the CRA's track record on accuracy makes this matter far more than the announcement suggests, and the one move an ordinary person can make right now to avoid getting caught in it. In this video, I break down: 📌 TIMESTAMPS 0:00 - It is now law 2:49 - What deemed filing actually is, and what it is not 6:07 - The trap: what the CRA's version will never include 9:57 - The accuracy problem, and the conflict of interest 12:32 - Three Canadians the CRA's version got wrong 16:58 - What people are getting wrong about this 20:42 - Your protection steps, and the one move most people skip 📌 KEY TOPICS COVERED: ✅ Deemed filing under Bill C-4: how the CRA can file your return by default, and why it is opt-out, not opt-in ✅ The 90-day window: why the clock starts when the notice is sent, not when you see it ✅ SimpleFile versus deemed filing: the opt-in convenience tool versus the automatic default people are confusing ✅ What the CRA's version will never include: medical expenses, caregiver amounts, charitable donations, union dues, and disability supports that appear on no slip ✅ The GIS trap: how one missed income nuance can interrupt up to $1,109.85 per month for low-income seniors ✅ The accuracy problem: the CRA answers roughly 36% of calls, and about 30% of those answers are wrong ✅ The conflict of interest: the same agency that decides what you owe is now the one filing your return ✅ Seven steps to protect yourself: My Account setup, the 90-day deadline, gathering what the CRA cannot see, filing proactively, and protecting GIS and benefit payments 📋 Go deeper: the full auto-filing defense plan, including the 90-day review checklist, the deductions and credits the CRA cannot see, the GIS and benefit-protection steps, and the My Account review walkthrough, is one of the ten guides in the CRA Defense Playbook on this channel's membership. Join here:    / @andrewgravesfinance   💰 QUESTRADE If you manage your own RRSP or TFSA, Questrade is one of the lowest-cost self-directed platforms in Canada, worth a look if you want more control over the registered accounts the CRA files from. New clients can get a welcome bonus when they open and fund an account. This is an affiliate link. Opening and funding an account through it supports the channel at no extra cost to you. 👉 https://questrade.sjv.io/jRZdOZ ⚠️ DISCLAIMER: This video is for educational purposes only and does not constitute legal or financial advice. Examples described are composites of real situations. Figures are sourced from the CRA, the C.D. Howe Institute, the IRPP, and the Canadian Taxpayers Federation as of June 2026. Consult a qualified Canadian tax professional or CPA for your specific situation. Subscribe for videos breaking down the CRA rules, tax laws, and financial regulations that affect ordinary Canadians. #CRA #CanadianTax #CRAAutoFiling #DeemedFiling #BillC4 #GIS #SeniorsCanada #CRADefensePlaybook #AndrewGraves #ProtectYourMoney