Overcontributions to TFSAs are not illegal or 'evasionary' but they are subject to the penalty of 1% per month. For those that contribute at this time of year any excess contributions will be absorbed by the new contribution room that kicks in again on Jan 1/20. At this point I suspect that by the time you get a letter from the CRA requesting that the excess be removed Jan 1/20 will already be upon us and all will be well.