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# Canadian Private Lenders Association

Supporting private mortgage lending and investing industry

## Sitemaps

- [XML Sitemap](https://2026.privatelenderassociation.ca/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Ontario’s HPA: What the New NOSI Rules Mean for Mortgage Brokers and Lenders](https://2026.privatelenderassociation.ca/ontarios-hpa-what-the-new-nosi-rules-mean-for-mortgage-brokers-and-lenders/) - Ontario’s Homeowner Protection Act (HPA) took effect on June 6, 2024. It changes how certain notices can appear on a home’s title and removes a common source of last-minute surprises in mortgage deals. If you arrange mortgages or fund them, this matters because these notices used to slow down closings, create borrower stress, and sometimes
- [Strong Borders Act AML reforms — what mortgage lenders and brokers in Canada need to know](https://2026.privatelenderassociation.ca/strong-borders-act-aml-reforms-what-mortgage-lenders-and-brokers-in-canada-need-to-know/) - Canada’s anti-money laundering (AML) rules just got sharper teeth—and mortgage lenders and brokers are squarely in the spotlight. Over the past two years, the federal government has moved from signalling major AML reform to enacting it. In 2024, the government previewed a significant strengthening of Canada’s AML framework. That preview became a concrete legislative proposal
- [Ontario HST New Home Rebate (Proposed) — What Lenders and Brokers Need to Know (as of March 25, 2026)](https://2026.privatelenderassociation.ca/ontario-hst-new-home-rebate-proposed-what-lenders-and-brokers-need-to-know-as-of-march-25-2026/) - In a move aimed at improving housing affordability, the Ontario government announced on March 25, 2026 a proposed enhanced HST rebate on eligible new homes. If implemented, this program can materially reduce a borrower’s cash-to-close and/or overall financing requirement—particularly on homes up to $1 million—making it a key planning item for pre-approvals, builder deals,
- [Big White “Seller Impersonation” Fraud: Why Real Estate Needs Expert KYC Screening](https://2026.privatelenderassociation.ca/big-white-seller-impersonation-fraud-why-real-estate-needs-expert-kyc-screening/) - Kirby v. Turner, 2026 BCSC 510 (Supreme Court of British Columbia) A B.C. Supreme Court case out of Kelowna shows how easily a real estate transaction can be hijacked when identity verification is treated as a paperwork step instead of a risk-control process. In Kirby v. Turner (2026 BCSC 510), a Kelowna couple believed they
- [The “Trust Account Halo” Can Backfire: Private Lending Lessons from Law Society of BC v. Soon](https://2026.privatelenderassociation.ca/the-trust-account-halo-can-backfire-private-lending-lessons-from-law-society-of-bc-v-soon/) - Private mortgage deals often move fast, rely on relationships, and lean on professionals to make transactions feel safe. A recent Law Society of British Columbia discipline decision is a reminder that comfort and credibility are not substitutes for controls—especially when a lawyer is involved in moving funds and documenting transactions. In Law Society of BC
- [Mortgage Suitability Case Note: “Gift-as-Loan” Structuring, High-Cost Second Mortgages, and Missing Brokerage Oversight (Ontario FSRA Settlement)](https://2026.privatelenderassociation.ca/mortgage-suitability-case-note-gift-as-loan-structuring-high-cost-second-mortgages-and-missing-brokerage-oversight-ontario-fsra-settlement/) - What this case is about Ontario’s regulator (FSRA) settled an enforcement matter involving a licensed mortgage broker, his supervised agent, and a related lending company used to advance funds. The file raises classic mortgage suitability concerns: a borrower transaction was completed using paperwork describing funds as a non-repayable gift when the funds were actually a
- [Mortgage Services AML Guidance: Key Lessons from Ghotaymi v. BCLC (2026 BCSC 191)](https://2026.privatelenderassociation.ca/mortgage-services-aml-guidance-key-lessons-from-ghotaymi-v-bclc-2026-bcsc-191/) - In Ghotaymi v. BCLC (2026 BCSC 191), the court upheld a risk-based approach to anti-money laundering controls that is directly relevant to mortgage brokers, lenders, and other mortgage service providers. The key message for the mortgage industry is that you do not need “proof” of money laundering to take enhanced due diligence steps—if the facts
- [Why Exempt Market Dealers Are “Limited Dealers” — and Why It Matters Under the New Mortgage Services Act](https://2026.privatelenderassociation.ca/why-exempt-market-dealers-are-limited-dealers-and-why-it-matters-under-the-new-mortgage-services-act/) - 1. The current legal definition: “limited dealer” means every dealer who is not an investment dealer As of the consolidated Securities Rules current to March 2026, British Columbia defines “limited dealer” in a deliberately broad way. Section 6 of the Securities Rules (B.C. Reg. 194/97) provides: “In these rules ‘limited dealer’ means a person registered
- [APL Letter to BCFSA: Clarification Request on NQSM/NQSMI Treatment Under the Mortgage Services Act Transition](https://2026.privatelenderassociation.ca/2055-2/) - CAPL has submitted a letter to the BC Financial Services Authority (BCFSA) requesting confirmation of our understanding of how non-qualified syndicated mortgages and non-qualified syndicated mortgage investments (NQSMs/NQSMIs) are treated under British Columbia’s current Mortgage Brokers Act framework and the upcoming Mortgage Services Act (expected to come into force in or around October 2026). The
- [CAPL Letter to BCFSA: Clarification Request on NQSM/NQSMI Treatment Under the Mortgage Services Act Transition](https://2026.privatelenderassociation.ca/capl-letter-to-bcfsa-clarification-request-on-nqsm-nqsmi-treatment-under-the-mortgage-services-act-transition/) - CAPL has submitted a letter to the BC Financial Services Authority (BCFSA) requesting confirmation of our understanding of how non-qualified syndicated mortgages and non-qualified syndicated mortgage investments (NQSMs/NQSMIs) are treated under British Columbia’s current Mortgage Brokers Act framework and the upcoming Mortgage Services Act (expected to come into force in or around October 2026). The
- [CAPL Letter to Finance Canada & FINTRAC: Pragmatic AML Guidance to Support Financial Inclusion](https://2026.privatelenderassociation.ca/capl-letter-to-finance-canada-fintrac-pragmatic-aml-guidance-to-support-financial-inclusion/) - CAPL submitted a letter (reproduced below) to the Minister of Finance and FINTRAC as the federal government examines financial inclusion for vulnerable Canadians and sectors facing “de-banking.” Based on what our members see in AML onboarding every day, we’re calling for clear, pragmatic guidance that helps all reporting entities verify identity and manage risk without
- [A $150,000 AML Fine for a First Audit Isn’t “Tough on Crime.” It’s Tough on Small Business—and Tough to Justify](https://2026.privatelenderassociation.ca/a-150000-aml-fine-for-a-first-audit-isnt-tough-on-crime-its-tough-on-small-business-and-tough-to-justify/) - Canada’s anti–money laundering (AML) regime has a credibility problem—not because AML enforcement is unnecessary, but because the penalty outcomes are increasingly hard to defend as proportionate. A six-figure administrative monetary penalty (AMP) can be appropriate when a business is willfully blind, repeatedly non-compliant, or effectively operating as a conduit for laundering. But when penalties land
- [CAPL participates in new PRISM Policy Roundtable for Innovation in Stablecoin Markets](https://2026.privatelenderassociation.ca/capl-participates-in-new-prism-policy-roundtable-for-innovation-in-stablecoin-markets/) - PRESS RELEASE December 31, 2025 PRISM Policy Roundtable for Innovation in Stablecoin Markets Launches to Advance Practical, Cross-Regional Dialogue Vancouver, BC, December 31, 2025. The PRISM Policy Roundtable for Innovation in Stablecoin Markets (the Roundtable) today announced its launch as a cross-regional working group focused on supporting practical dialogue on stablecoin policy, regulation, compliance, and
- [Mortgage Lenders Get Ready for Canada’s new Stablecoin Regime](https://2026.privatelenderassociation.ca/mortgage-lenders-get-ready-for-canadas-new-stablecoin-regime/) - Canada is moving toward a formal regime for stablecoins (fiat‑referenced cryptoassets), with a draft framework released and Bill C‑15 introduced at first reading as the legislative backbone. For mortgage lenders and other home finance providers, this is not just a niche crypto development – it will shape how borrowers fund, pay, provide collateral and interact mortgage lenders, stablecoin, stable coin, lending
- [BC Property Connect (Launching in 2026): What BC Property Owners Need to Know](https://2026.privatelenderassociation.ca/bc-property-connect-launching-in-2026-what-bc-property-owners-need-to-know/) - British Columbia’s land title system is moving further into a digital, owner-focused future. The Land Title and Survey Authority of British Columbia (LTSA) is developing a new service called BC Property Connect | Verified Transaction, expected to launch in 2026. The goal is simple but significant: give property owners a secure digital connection to their
- [BC MICS under the New Mortgage Services Act: MIC Exemptions Under BC’s Mortgage Services Act vs. BC Securities Act](https://2026.privatelenderassociation.ca/bc-mics-under-the-new-mortgage-services-act-mic-exemptions-under-bcs-mortgage-services-act-vs-bc-securities-act/) - Clear overview of how BC Mortgage Investment Corporations must comply with both the Mortgage Services Act and Securities Act, including key licensing and exemption rules.
- [Regulatory Update: AML for the Mortgage Industry and more](https://2026.privatelenderassociation.ca/regulatory-update-aml-for-the-mortgage-industry-and-more/) - MBRCC initiatives impacting co-brokering and mortgage product suitability recommendations The Mortgage Brokers' Regulatory Council of Canada (MBRCC) has published its strategic plan for the next three years (2023-2026). Some of the strategic priorities of the MBRCC focus on licensing issues when operating across multiple provincial jurisdictions. Contrary to some popular views, co-brokering or submission desk arrangements will not resolve
- [New Federal Consultation on Criminal Interest Rate](https://2026.privatelenderassociation.ca/new-federal-consultation-on-criminal-interest-rate/) - The Department of Finance is launching a new consultation on further lowering the criminal rate of interest, the payday lending exemption and other questions related to access to small loans. The federal government announced intended amendments to the Criminal Code in its 2023 Budget to lower the criminal rate of interest from the equivalent of 47
- [Regulatory Update: Criminal Interest Rate - Proposed 35% APR](https://2026.privatelenderassociation.ca/regulatory-update-criminal-interest-rate-proposed-35-apr/) - Proposed Criminal Interest Rate Regulations providing exemptions now published. On December 23, 2023, the federal government published proposed Criminal Interest Regulations which specify certain exemptions to the new criminal interest rate ceiling contained in the Criminal Code. If you recall from previous discussions, the government introduced sweeping changes to the criminal interest provisions, which currently
- [Extension of the Foreign Buyer's Ban](https://2026.privatelenderassociation.ca/extension-of-the-foreign-buyers-ban/) - The Government of Canada has announced a two-year extension to an existing ban on Foreign Buyer's Ban.
- [Regulation on Foreign Ownership of Agricultural Land](https://2026.privatelenderassociation.ca/regulation-on-foreign-ownership-of-agricultural-land/) - Regulation on Foreign Ownership of Agricultural Land. Foreign investors are potentially subject to two tiers of regulation.
- [Personal Mortgage Corporations Soon Permitted in BC](https://2026.privatelenderassociation.ca/personal-mortgage-corporations-soon-permitted-in-bc/) - Under BC’s new Mortgage Services Act, mortgage professionals can now use Personal Mortgage Corporations for greater tax efficiency and business flexibility.
- [GST/HST New Housing Rebate in Canada: How to Prove Primary Residence Intent After Lisi v. The King (2025)](https://2026.privatelenderassociation.ca/gst-hst-new-housing-rebate-in-canada-how-to-prove-primary-residence-intent-after-lisi-v-the-king-2025/) - How to qualify for the GST/HST New Housing Rebate in Canada. Prove your primary residence intent, avoid CRA denial, keep your rebate with solid documentation.
- [FINTRAC PCMLTFA Requirements for Mortgage Brokers and Lenders: 2024 Compliance Videos and Guide](https://2026.privatelenderassociation.ca/fintrac-pcmltfa-requirements-for-mortgage-brokers-and-lenders-2024-compliance-videos-and-guide/) - FINTRAC PCMLTFA requirements now apply to Canada’s mortgage brokers and lenders. Learn what’s new and watch FINTRAC’s 2024 AML compliance videos and guide.
- [Canada AML/ATF Rules Update: New Reporting and Verification Rules for MSBs, Title Insurers, Real Estate, and Private ABM Acquirers](https://2026.privatelenderassociation.ca/canada-aml-atf-rules-update-new-reporting-and-verification-rules-for-msbs-title-insurers-real-estate-and-private-abm-acquirers/) - Canada AML/ATF rules have changed under the PCMLTFA. Learn what’s new for MSBs, real estate, and title insurers—and how to stay FINTRAC compliant in 2025.
- [Canada Bank Fraud: APP Scams, UK Reimbursement Rules, and What Needs to Change](https://2026.privatelenderassociation.ca/canada-bank-fraud-app-scams-uk-reimbursement-rules-and-what-needs-to-change/) - Elderly victim loses $1.7M in Canada bank fraud. Learn how rising scams expose weak protections—and what banks must do to prevent future losses.
- [Regulatory Updates for the Private Lending Industry -- Ontario and the Financial Services Regulatory Authority](https://2026.privatelenderassociation.ca/regulatory-updates-for-the-private-lending-industry-ontario-and-the-financial-services-regulatory-authority/) - CAPL has quarterly meetings with the Financial Services Regulatory Authority of Ontario (FSRA), in which we are able to discuss issues relating to the mortgage brokering sector. We can report that FSRA is very actively focussing regulatory initiatives on private mortgage lending. Here is an update on some of those initiatives: Mortgage Suitability Consultation FSRA
- [Why move-in inspection reports for tenancies are required in Alberta and a good idea in other provinces](https://2026.privatelenderassociation.ca/why-move-in-inspection-reports-for-tenancies-are-required-in-alberta-and-a-good-idea-in-other-provinces/) - An article explaining why move-in inspection reports are required for new tenancies in Alberta and a good idea in other provinces. Read it here
- [Growth of private lending continuing: expert](https://2026.privatelenderassociation.ca/growth-of-private-lending-continuing-expert/) - It’s a well-trodden discussion point in the mortgage industry: that the introduction of tighter rules and qualifying requirements for mortgage lending contributed to the mainstreaming of the private space in recent years, even before the outbreak of the COVID-19 pandemic. Read here
- [2022 sees expansion of crypto lending](https://2026.privatelenderassociation.ca/2022-sees-expansion-of-crypto-lending/) - Already a multi-billion dollar industry supported by a trillion dollar asset class, Bitcoin-backed loans and other secured lending arrangements involving crypto assets continue to grow in variety, scope, and access, and offer borrowers access to capital that, as with traditional lending arrangements, can be used to finance businesses, homes, cars, and other personal property. Read
- [Cullen Report Recommends AML Compliance and a New BC Private Lending Regulator](https://2026.privatelenderassociation.ca/cullen-report-recommends-aml-compliance-and-a-new-bc-private-lending-regulator/) - The Cullen Commission makes recommendations impacting private lending and brokering in BC. Read here
- [The Cullen Reports Hits and Misses](https://2026.privatelenderassociation.ca/the-cullen-reports-hits-and-misses/) - Hits and misses with the Cullen Commission report on money laundering
- [New lenders association aims to provide regulatory feedback on private lending](https://2026.privatelenderassociation.ca/new-lenders-association-aims-to-provide-regulatory-feedback-on-private-lending/) - Here is an article on Mortgage Broker News setting out the goals of CAPL, which are to provide feedback on regulatory matters to government and regulators and practice support to members. Read the article here
- [US develops framework for regulation of crypto with international bodies](https://2026.privatelenderassociation.ca/us-develops-framework-for-regulation-of-crypto-with-international-bodies/) - US develops framework to regulate digital assets with International regulatory bodies -the framework's policy objectives also include reducing the potential use of crypto for illicit finance, promoting access to financial services, supporting technological advancement. Read more here https://home.treasury.gov/news/press-releases/jy0854
- [BC - property purchase cooling off period details](https://2026.privatelenderassociation.ca/bc-property-purchase-cooling-off-period-details-2/) - Some further details concerning British Columbia's new cooling off period for real estate purchases have been unveiled. A three day cooling off period, enabling purchasers to conduct due diligence and cancel their contract within three days of the contract date will go into effect on January 1, 2023. Vendors will be entitled to collect a
- [US sees the emergence of "crypto mortgages" - could they come to Canada?](https://2026.privatelenderassociation.ca/us-sees-the-emergence-of-crypto-mortgages-could-they-come-to-canada/) - Crypto mortgages are loans where crypto currency is used as security for the real estate purchase. A new concept, with some benefits and pitfalls. “Crypto-Mortgage”- Do the Benefits Outweigh the Risks?
- [Mortgage fraud in private lending predicted to increase](https://2026.privatelenderassociation.ca/mortgage-fraud-in-private-lending-predicted-to-increase/) - This article from Gowling calls for increased vigilance from the private lending sector to combat increased threats of mortgage fraud. Protecting against private lender mortgage fraud
- [Lawyers call for government to revisit foreign buyers' ban](https://2026.privatelenderassociation.ca/lawyers-call-for-government-to-revisit-foreign-buyers-ban/) - The Federation of Ontario Law Associations raises serious concerns with the proposed regulations for the foreign buyers' ban, to be implemented in January of 2023. Read their letter here
- [New High Cost Credit Licensing in Newfoundland](https://2026.privatelenderassociation.ca/new-high-cost-credit-licensing-in-newfoundland/) - Newfoundland is now the 5th province to regulate high cost credit lenders. Consumer Protection and Business Practices Act Amendments Designed to Protect High-Cost Credit Borrowers
- [BC - property purchase cooling off period details](https://2026.privatelenderassociation.ca/bc-property-purchase-cooling-off-period-details/) - For persons in British Columbia entering into a residential real estate transaction, here is the guidance on the new home buyer's rescission period. Home Buyer Rescission Period Consumer Guide
- [FSRA report on innovation and technology in the Ontario mortgage services sector](https://2026.privatelenderassociation.ca/fsra-report-on-innovation-and-technology-in-the-ontario-mortgage-services-sector/) - FSRA has published a report identifying the need to consider open banking and technological innovation in future regulation. DOWNLOAD REPORT >>
- [New implementation date of BC's property rescission period](https://2026.privatelenderassociation.ca/new-implementation-date-of-bcs-property-rescission-period/) - The implementation of the new home buyers' rescission period in British Columbia has been changed from January 1 to January 3, 2023 New implementation date of BC's property rescission period
- [Federal Government releases regulations for foreign buyers' ban](https://2026.privatelenderassociation.ca/federal-government-releases-regulations-for-foreign-buyers-ban/) - Re: CAPL Successful in Removing Lenders from Foreign Buyers’ Ban The Federal Government has now published regulations under the Prohibition on the Purchase of Residential Property by Non-Canadians Act, following a lengthy post-consultation period. The proposed regulations would have prohibited lending entities with 3% or more foreign shareholders from acquiring real estate through the enforcement of
- [Draft AML Regulations for Mortgage Lenders, Brokers and Administrators Now Published for Comment](https://2026.privatelenderassociation.ca/draft-aml-regulations-for-mortgage-lenders-brokers-and-administrators-now-published-for-comment/) - The federal government has now published new amending regulations to federal anti-money laundering legislation (the Proceeds of Crime (Money Laundering) and Terrorist Financing Act - PCMLTFA) along with draft regulations to establish cost recovery for the statute's enforcement agency - the Financial Transactions and Reports Analysis Centre of Canada -FINTRAC. The regulations have been released for a short
- [Current Consultations: Mortgage Services now included in AML regime and Comprehensive Alberta Review](https://2026.privatelenderassociation.ca/current-consultations-mortgage-services-now-included-in-aml-regime-and-comprehensive-alberta-review/) - Federal AML rules - As many now know, the federal government has now published new amending regulations to federal anti-money laundering legislation (the Proceeds of Crime (Money Laundering) and Terrorist Financing Act - PCMLTFA). The new regulations impose a broad set of compliance requirements on mortgage lenders, brokers and administrators, which encompass (amongst other requirements)
- [Criminal Interest Rate Prohibition - Exemptions](https://2026.privatelenderassociation.ca/criminal-interest-rate-prohibition-exemptions/) - CAPL has been advised that the Federal Government has tabled Notice of a Ways and Means Motion for Budget 2023 in the House of Commons. Division 34 of Part 4 introduces changes to the Criminal Code to lower the criminal rate of interest to 35% annual percentage rate, as announced in Budget 2023. As part of the Amendments
- [CAPL comments on the criminal rate of interest.](https://2026.privatelenderassociation.ca/capl-comments-on-the-criminal-rate-of-interest/) - Read CAPL's letter concerning proposed changes to the criminal rate of interest. Click here for criminal rate letter
- [The Federal Government is planning to lower the criminal interest rate to 35%](https://2026.privatelenderassociation.ca/the-federal-government-is-planning-to-lower-the-criminal-interest-rate-to-35/) - The Federal Government is planning to lower the criminal interest rate to 35%. This will impact private and alternative lenders, particularly lenders that provide loans on short terms, for example, bridge loans. CAPL has been advised that the Federal Government has tabled Notice of a Ways and Means Motion for Budget 2023 in the House of Commons.
- [Proposed Exemptions for the Criminal Rate Interest](https://2026.privatelenderassociation.ca/proposed-exemptions-for-the-criminal-rate-interest/) - Recently CAPL proposed four exemptions to the Federal Government which would apply to the new lowered criminal rate of interest. Housing interest prohibitions in the Criminal Code appears to be a result of convenience. On this topic, Senator Pierrette Ringuette has explained that "the Criminal Code is where the law created a limit on interest
- [Regulatory Update: AML for the Mortgage Industry and more](https://2026.privatelenderassociation.ca/regulatory-update-aml-for-the-mortgage-industry-and-more-2/) - The Government of Canada has launched a public consultation to examine ways to improve Canada's Anti-Money Laundering and Anti-Terrorist Financing Regime. Comments or feedback in response to the consultation paper are due by August 1, 2023. The consultation paper can be found at this link >> The consultation asks some specific questions impacting the real estate
- [Anti-money laundering requirements for mortgage lenders](https://2026.privatelenderassociation.ca/anti-money-laundering-requirements-for-mortgage-lenders/) - CAPL has met with consultants working for FINTRAC to assist with the roll out of AML requirements for the mortgage services sector, which includes mortgage lenders. In order to understand private mortgage lenders better, the consultants have asked that this survey be completed. Please know that we have explained that private mortgage lenders are not

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- [CAPL Webinars](https://2026.privatelenderassociation.ca/webinars/) - Upcoming CAPL Events Upcoming CLA Events [at_module id=1134] Upcoming Webinars Search Past Webinars 11 December 2025 Mortgage Service Act (MSA) – Regulatory Standards of Conduct This is a joint presentation of MBERB and Canadian Association of Private Lenders. Register ... Regulatory Update 10:00 am - 11:00 am View Details 15 January 2026 Mortgage Service Act
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- [Compliance Policies](https://2026.privatelenderassociation.ca/products/compliance-policies/) - CAPL can support mortgage and lending sector entities by developing tailored compliance policies, including anti-money laundering, know your client, suitability, privacy, cybersecurity and comprehensive general compliance policies. [at_module id=952]
- [Regulatory Training](https://2026.privatelenderassociation.ca/products/regulatory-training/) - We provide up-to-date private narrated training for your employees that can delivered remotely. Training modules are tailored to your firm’s business model and policies. ​As new requirements pop up and existing guidance changes, we are continually revising and adding to our training library. Training sessions include Anti-Money Laundering, Know Your Client (KYC) /Know Your Product
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- [AML Courses](https://2026.privatelenderassociation.ca/aml-courses/) - Employees, officers, and directors of mortgage lenders, brokers, and administrators are mandated to complete annual AML training as part of their compliance with FINTRAC's AML requirements. To support members in fulfilling these training obligations, CAPL has partnered with the Canadian Anti-Money Laundering Institute (CAMLI) and ABCsolutions to provide the following training: 1) AML training for
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- [Code of Conduct](https://2026.privatelenderassociation.ca/code-of-conduct/) - The Canadian Association of Private Lenders (CAPL) has adopted the Code of Conduct from the Mortgage Broker Regulators’ Council of Canada (MBRCC) and expects its members to comply with the Code. Failure to comply with the Code may result in CAPL suspending or terminating the members membership in CAPL. The Code is reproduced below. The
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- [Home 01](https://2026.privatelenderassociation.ca/?elementor_library=home-01) - Expert Financial* Guidance Finoza is a comprehensive advisory firm specializing in financial planning, investment management, wealth preservation, strategic consulting, and retirement solutions. Discover More Expenses $ 4.589 2024 What We Do Explore Our Range of Expert Financial Solutions Discover tailored financial strategies designed to meet your unique goals and aspirations. Our team of experienced advisors

## Downloads

- [Sample Policy for Mortgage Brokerages](https://2026.privatelenderassociation.ca/downloads/sample-policy-for-mortgage-brokerages/) - Draft Sample Policy for Mortgage Brokerages: Mortgage Investment Corporation Licensing under the Mortgage Services Act Disclaimer—No Legal Advice; No Liability © 2025 CAPL. This document is intended solely for members of CAPL. Unauthorized copying, distribution, or sharing of any part of this material is strictly prohibited.
- [MIC Compliance Checklist – British Columbia](https://2026.privatelenderassociation.ca/downloads/mic-compliance-checklist-british-columbia/) - Disclaimer—No Legal Advice; No Liability © 2025 CAPL. This document is intended solely for members of CAPL. Unauthorized copying, distribution, or sharing of any part of this material is strictly prohibited.
- [MIC Frequently Asked Questions](https://2026.privatelenderassociation.ca/downloads/mic-frequently-asked-questions/) - Disclaimer—No Legal Advice; No Liability © 2025 CAPL. This document is intended solely for members of CAPL. Unauthorized copying, distribution, or sharing of any part of this material is strictly prohibited.

## Events

- [Mortgage Service Act (MSA) –  Personal Corporations](https://2026.privatelenderassociation.ca/events/mortgage-service-act-msa-personal-corporations/) - This is a joint presentation of MBERB and Canadian Association of Private Lenders THE TOPIC What is a personal mortgage corporation? What are some possible advantages of a person engaged in providing mortgage services incorporating themselves? What are some possible disadvantages of incorporation? What sort of advice should you obtain in deciding whether incorporation is
- [Spotting the Gaps: Effective Appraisal Review for 2026 Pre-Sale Completions](https://2026.privatelenderassociation.ca/events/spotting-the-gaps-effective-appraisal-review-for-2026-pre-sale-completions/) - DATE: May 5, 2026 TIME: 10am - 11am PT/1pm-2pm ET LOCATION: Zoom The Elephant in the Room: Confronting inherent conflicts of interest in the valuation process. Redefining "Market Value": Cutting through the noise of assignment sales and developer dump-offs. Optical Illusions: What developers are really doing to get deals across the finish line (and
- [Title Fraud: Trends, Troubles, and Testaments to a Strong Mitigation Plan](https://2026.privatelenderassociation.ca/events/title-fraud-trends-troubles-and-testaments-to-a-strong-mitigation-plan/) - DATE: March 17, 2026 TIME: 10am - 11am PT/1pm-2pm ET LOCATION: Zoom How evolving fraud tactics are reshaping risk, and what you can do to stay ahead. Title fraud continues to evolve in scale, sophistication, and impact, posing growing risks to property owners, lenders, and the real estate ecosystem. This webinar explores current title
- [Mortgage Service Act (MSA) – Principal Broker Duties and Responsibilities](https://2026.privatelenderassociation.ca/events/mortgage-service-act-msa-principal-broker-duties-and-responsibilities/) - This is a joint presentation of MBERB and Canadian Association of Private Lenders THE TOPIC What is a principal broker under the MSA? What duties and responsibilities fall to the principal broker? What is a principal broker not permitted to do? What are the licensing requirements for a principal broker? What can happen if a
- [Mortgage Service Act (MSA) - Regulatory Standards of Conduct](https://2026.privatelenderassociation.ca/events/mortgage-service-act-msa-regulatory-standards-of-conduct/) - This is a joint presentation of MBERB and Canadian Association of Private Lenders THE TOPIC What standard of service is required to meet: Regulatory requirements What does the MSA provide? Civil law requirements What have courts said that can inform us as to the level of mortgage services required to avoid being successfully sued? Criminal
- [Mortgage Service Act (MSA) – Licence  Levels and Categories](https://2026.privatelenderassociation.ca/events/mortgage-service-act-msa-licence-levels-and-categories/) - This is a joint presentation of MBERB and Canadian Association of Private Lenders THE TOPIC What are the new licensing categories? What does being licensed in each category permit you to do? What does it not permit you to do? What are the new licensing levels? What are the roles of each licensing level? For
- [Mortgage Service Act (MSA) - Licensing and Relicensing](https://2026.privatelenderassociation.ca/events/mortgage-service-act-msa-licensing-and-relicensing/) - This is a joint presentation of MBERB and Canadian Association of Private Lenders THE TOPIC What triggers the need to obtain licensing? What qualifications must an applicant meet to obtain registration? What triggers the need to obtain relicensing? What qualifications must an applicant meet to obtain relicensing? Who is not required to register? What is
- [Turning Red Flags to Resolutions: Preventing Delays in Private Lending Transactions](https://2026.privatelenderassociation.ca/events/turning-red-flags-to-resolutions-preventing-delays-in-private-lending-transactions/) - In private mortgage lending, even the smallest oversight can cause costly delays — or derail a deal altogether. Join Navina and Mahsa for an in-depth session designed for private lenders, brokers, and industry professionals in British Columbia. We’ll explore the most common pitfalls that slow down or collapse private lending transactions, including: Title issues and
- [Stablecoins Across Jurisdictions: Regional Adoption Paths & Global Standard](https://2026.privatelenderassociation.ca/events/stablecoins-across-jurisdictions-regional-adoption-paths-global-standard/) - Join experts from Hong Kong, Turkey, and Canada for a rigorous examination of stablecoin adoption, trust, and regulatory alignment. Date and time: October 6, 2025 TIME: 10:00 pm PT LOCATION: ONLINE Fireside Chat on Stablecoins Across Jurisdictions Dive deep into the world of stablecoins with our exclusive fireside chat! As stablecoins continue to bridge traditional
- [Introduction to the New Mortgage Services Act](https://2026.privatelenderassociation.ca/events/introduction-to-the-new-mortgage-services-act/) - Join regulatory experts Samantha Gale of CAPL and Ray Basi of MBERB for an essential overview of the newly enacted Mortgage Services Act. Samantha Gale represents the Canadian Association of Private Lenders (CAPL), which provides regulatory guidance and support to mortgage lenders throughout Canada. Ray Basi leads Mortgage Broker Education by Ray Basi (MBERB), a specialized education provider for
- [AI for legal and lending workflows: How Instafill.ai helps automate form filling](https://2026.privatelenderassociation.ca/events/ai-for-legal-and-lending-workflows/) - Oleksandr Gamaniuk is a Ukrainian entrepreneur, software engineer, and founder of Instafill.ai — an AI platform that automates the manual, repetitive work of filling out PDF forms. It's designed for professionals in legal, lending, compliance, and government-related fields who regularly deal with form-heavy workflows. Instafill.ai converts flat, non-editable PDFs into fillable forms and uses AI
- [Minimizing Law Suit Risks from AML Compliance Issues](https://2026.privatelenderassociation.ca/events/minimizing-law-suit-risks-from-aml-compliance-issues/) - Anti-money laundering requirements and civil liability for mortgage brokers • Is a mortgage broker who does not satisfy regulatory AML requirements responsible to pay for financial losses caused to others? • What guidance is available from legislation, the Courts, and recent developments in answering this question? • What can a mortgage broker do to minimize
- [Priority, Fraud & Permits: The Private Lender Title Insurance Coverage that Matters Most](https://2026.privatelenderassociation.ca/events/priority-fraud-permits-the-private-lender-title-insurance-coverage-that-matters-most/) - This presentation will use claims stories to highlight the title insurance covered risks that are most helpful to private lenders. It will include a deeper look at priority issues (including CRA super priority claims); the always present threat of fraud, and the valuable coverage for municipal compliance matters like work done without a permit. DATE:
- [Complying with FINTRAC Training Requirements: Best Practices and Strategies](https://2026.privatelenderassociation.ca/events/complying-with-fintrac-training-requirements-best-practices-and-strategies/) - With Jennifer Wilson from the Canadian Anti-Money Laundering Institute. This seminar is designed to provide businesses and professionals with an understanding of how to comply with the training requirements set forth by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). FINTRAC plays a crucial role in Canada’s efforts to combat money laundering and
- [Mortgage Lending and AI](https://2026.privatelenderassociation.ca/events/mortgage-lending-and-ai/) - Presented by Philip Pompili, Levitas AI. In today’s evolving financial landscape, direct lenders face increasing challenges in risk assessment, deal evaluation, and underwriting. This presentation explores the state of the lending market, common obstacles in private lending, and hard-learned lessons from the field. Philip Pompili shares his journey in refining risk assessment through innovative AI-driven
- [FINTRAC education session on sanctions evasion and property reporting](https://2026.privatelenderassociation.ca/events/fintrac-education-session-on-sanctions-evasion-and-property-reporting/) - Reporting entities to FINTRAC need to ensure that officers, directors and staff undertake anti-money laundering training and are kept up to date on new AML compliance obligations. FINTRAC is inviting us to participate in an educational webinar on March 20, 2025 - this session will cover some on some new requirements relating to sanctions evasion and
- [FCT’s Title Insurance Condo Coverage and IDV Solution](https://2026.privatelenderassociation.ca/events/fcts-title-insurance-condo-coverage-and-idv-solution/) - Join us for a webinar by Jeff Brown from FCT who will provide an in-depth look at FCT’s title insurance solutions for Condo Coverage. Attendees gain valuable insights through real-world examples showcasing how title insurance mitigates risks and protects stakeholders in condo transactions. Additionally, the session covered FCT’s Identity Verification (IDV) solution. This segment provides
- [Choosing Wisely - Key Lessons From Analyzing Over 75 Mortgage Funds](https://2026.privatelenderassociation.ca/events/choosing-wisely-key-lessons-from-analyzing-over-75-mortgage-funds/) - Date: November 12, 2024 Time: 10am PT/1pm EST Justin Smith is the President of Hawkeye Wealth, an investment firm specializing in private real estate and debt investing. When searching for the right funds to partner with for their investors, Hawkeye analyzed over 75 funds, giving them a unique perspective on the industry. Join us
- [Compliance Effectiveness Reviews: Testing Your AML Compliance Program](https://2026.privatelenderassociation.ca/events/compliance-effectiveness-reviews-testing-your-aml-compliance-program/) - Date: October 8, 2024 Time: 10am PT/1pm EST Precisely two years after a mortgage lender has begun to operate as a reporting entity under Canada’s Proceed of Crime (Money Laundering) and Terrorist Financing Act the lender must undertake a Compliance Effectiveness Review (CER). This Review dictated by the legislation and FINTRAC Guidance is best described as
- [Tim Lack's Legal Update: Private Mortgage Lending](https://2026.privatelenderassociation.ca/events/tim-lacks-legal-update-private-mortgage-lending/) - Private mortgage lending - the lawyer’ perspective What your lawyer wants you to know, what they need to know and what we all should know! Date: September 10, 2024 Time: 10am PT/1pm EST A refresher, update and deep dive on: The borrower’s structure and who are the parties? Mortgage terms: what you can… and
- [Personal pension plan solutions to minimize capital gains taxes](https://2026.privatelenderassociation.ca/events/personal-pension-plan-solutions-to-minimize-capital-gains-taxes/) - Hear from Jean Pierre A. Laporte, BA, MA, LLB, RWM of Integris Pension Management Corporation, who will explain what he claims is the "best asset protection and tax deferring vehicle in Canada". Are you impacted by recent capital gains tax increases? Personal pension plans can provide lenders, lawyers, brokers and other business owners with impressive
- [Top 10 Tax Tips a Private Lending Investor Should Not Miss](https://2026.privatelenderassociation.ca/events/top-10-tax-tips-a-private-lending-investor-should-not-miss/) - Join us for an update on "Top 10 Tax Tips a Private Lending Investor Should Not Miss" with Cherry Chan, CPA, followed by Q & A. Date: July 16, 2024 Time: 10amPT/1pmET Speaker Cherry Chan, CPA, CA Cherry Chan, CPA, CA, is not only an experienced real estate tax professional but also a seasoned real
- [Mortgage Enforcement in Ontario](https://2026.privatelenderassociation.ca/events/mortgage-enforcement-in-ontario/) - Speaker: Wendy Greenspoon-Soer, Garfinkle Biderman
- [Super Priority Liens and Title Insurance](https://2026.privatelenderassociation.ca/events/super-priority-liens-and-title-insurance/) - Speaker: Jeff Brown, FCT
- [The Canadian AML Framework: Proposed Changes Affecting the Mortgage Services Industry](https://2026.privatelenderassociation.ca/events/the-canadian-aml-framework-proposed-changes-affecting-the-mortgage-services-industry/) - Speaker: Jacqueline Shinfield, Partner, Blakes
- [Navigating the FINTRAC ID Verification Rules: Insights](https://2026.privatelenderassociation.ca/events/navigating-the-fintrac-id-verification-rules-insights/) - Speaker: Jay Krushell, Chief Legal Officer, treefort
- [10 Red Flags in Residential Appraisals](https://2026.privatelenderassociation.ca/events/10-red-flags-in-residential-appraisals/) - Speaker: Adam Lawrenson, Adlaw Appraisals
- [Fraud Flags in Real Estate Transactions](https://2026.privatelenderassociation.ca/events/fraud-flags-in-real-estate-transactions/) - Speaker: Jeff Brown, FCT
- [Property Management During Mortgage Default and Enforcement](https://2026.privatelenderassociation.ca/events/property-management-during-mortgage-default-and-enforcement/) - Speaker: Arun Mehta, Richmond Advisory Services Inc
- [Top Issues for Private Lenders](https://2026.privatelenderassociation.ca/events/top-issues-for-private-lenders/) - Speaker: Tim Lack, Redpoint Law
- [Regulatory Update](https://2026.privatelenderassociation.ca/events/regulatory-update/) - Speaker: Samantha Gale, CEO CAPL
- [CAPL Discussion and Analysis of the New Mortgage Act](https://2026.privatelenderassociation.ca/events/capl-discussion-and-analysis-of-the-new-mortgage-act/) - Join CAPL Co-Founder's Samantha Gale and Shannon August for a discussion and analysis of the New Mortgage Act.
- [Legally Speaking....What your lawyer wants you to know about private lending](https://2026.privatelenderassociation.ca/events/what-your-lawyer-wants-you-to-know-about-private-lending/) - Presented by Tim Lack, Partner at Redpoint Law.
- [The Smith Manoeuvre - Turn Your Biggest Liability Into Your Biggest Asset with Rob Smith](https://2026.privatelenderassociation.ca/events/the-smith-manoeuvre-turn-your-biggest-liability-into-your-biggest-asset-with-rob-smith/) - Presented by Rob Smith.
- [Appraisal insights for Private Lenders from the CNAREA](https://2026.privatelenderassociation.ca/events/appraisal-insights-for-private-lenders-from-the-cnarea/) - Join us in a pre-recorded session with Scenario' CEO Staci Thompson and Kevin Lonsdale Scenario's Executive Director.
- [BVigilant CAPL Webinar: Cybersecurity Essentials for the Mortgage Industry](https://2026.privatelenderassociation.ca/events/bvigilant-capl-webinar-cybersecurity-essentials-for-the-mortgage-industry/) - Join us in a pre-recorded session with speakers Ben Rutledge and Rob Mark.
- [FCT: Title Fraud in Private Mortgage Transactions](https://2026.privatelenderassociation.ca/events/fct-title-fraud-in-private-mortgage-transactions/) - Join Marie Taylor, Director, National Underwriter Legal, Risk and Compliance of FCT, and Jeff Brown, Vice President, National Credit Union Strategy and Regional Representation for FCT for a webinar on Title Fraud in Private Mortgage Transactions. Marie will be discussing what title fraud is, fraud best practices, red flags, latest trends. She will be sharing
- [FINTRAC: Information Session on AML/ATF for the Mortgage Sector](https://2026.privatelenderassociation.ca/events/fintrac-information-session-on-aml-atf-for-the-mortgage-sector/) - Please join us in attending an informative presentation delivered by FINTRAC, Canada’s Financial Intelligence Unit and Anti-Money Laundering/Anti-Terrorist Financing supervisor. New obligations for the mortgage sector have been published and will come into effect in October 2024. The goal of this presentation is to provide an overview of the requirements that include elements of a
- [Tax Update on Property Transactions with Matthew Fearn, CPA](https://2026.privatelenderassociation.ca/events/tax-update-on-property-transactions-with-matthew-fearn-cpa/) - Join CAPL for a discussion on the Federal Budget and Tax changes on Property Transactions. CRA has changed how they deal with property transactions over the last two years. CRA now has access to the land titles and they are making good use of it. With the changes to short-term rentals and how they are
- [Regulatory Update for Mortgage Services](https://2026.privatelenderassociation.ca/events/regulatory-update-for-mortgage-services/) - Join CAPL CEO Samantha Gale for a look at recent and anticipated regulation changes in the BC, Ontario and federal spheres impacting the mortgage services industry. DATE: March 19, 2024 TIME: 10am - 11:30 pm PT | 1pm - 2:30pm ET Speaker Samantha Gale, CEO and Co Founder Samantha Gale is a legally trained regulatory
- [Important legal and property management questions for the mortgage default and enforcement process](https://2026.privatelenderassociation.ca/events/key-legal-and-property-management-questions-for-the-mortgage-default-and-enforcement-process/) - Join us for panel discussion on key legal and property management questions for the mortgage default and enforcement process. Presented by Josh Santimaw of BOYNECLARKE & Arun Mehta of Richmond Advisory Services Inc. Date: April 16, 2024 Time: 11am PT/2pm EST Speakers Joshua J. Santimaw, Boyneclark Lawyers Josh was born in Poughkeepsie, New York and
- [Decoding Cybersecurity: Insider Insights for Mortgage Professionals](https://2026.privatelenderassociation.ca/events/decoding-cybersecurity-insider-insights-for-mortgage-professionals/) - As cyber threats continue to evolve, Mortgage Brokers, Administrators, and Lenders face unprecedented challenges in securing their organizations. More sensitive data is being collected, stored, and shared digitally than ever before and despite efforts to improve their risk profiles, it’s getting harder and harder for businesses to keep up. Cybercriminals keep innovating, regulators are expecting
- [Promissory Note: Can the Debtor Evade Payment by Claiming Equitable Set-Off? (ONCA: No!)](https://2026.privatelenderassociation.ca/events/promissory-note-can-the-debtor-evade-payment-by-claiming-equitable-set-off/) - Join us for an insightful webinar as we explore the legal intricacies of promissory notes and the doctrine of equitable set-off, drawing from the recent Ontario Court of Appeal decision in Grewal v. 102095 P.E.I. Inc., 2022 ONCA 636 (CanLII). This case provides crucial lessons for business owners, legal professionals, and financial advisors involved in
- [Cybersecurity: Practical Steps to Mitigate Risk and Respond to Attacks](https://2026.privatelenderassociation.ca/events/cybersecurity-practical-steps-to-mitigate-risk-and-respond-to-attacks/) - Cybersecurity threats are constantly evolving and escalating. Businesses face a potential minefield of risk to their data and business operations. From ransomware attacks to phishing, wire transfer fraud, disruption of services and service providers, and theft of sensitive business and personal information, cybersecurity incidents often present a wide range of impacts and exposures. In this
- [2024 Bankers Summit](https://2026.privatelenderassociation.ca/events/2024-bankers-summit/) - On May 15th, 2024, discover how next-gen FIs are partnering with fintech to accelerate innovation. Join over 500 banks, credit unions and fintechs in our networking hall building partnerships. The expert panels will take a deep dive into Core Modernization, BaaS, Embedded, Sustainable Finance and much more.
- [2024 Sustainable Finance Summit](https://2026.privatelenderassociation.ca/events/2024-sustainable-finance-summit/) - September 11th, 2024: Join over 250 banks, credit unions, lenders, investors and fintechs to advance Sustainable Finance in Canada.
- [2024 Lenders Summit](https://2026.privatelenderassociation.ca/events/2024-lenders-summit/) - The 6th Annual Lenders Summit: From Banks and Credit Unions to best-of-breed vendor from the fintech ecosystem, the Summit is the hub for payment and lending innovation across all consumer and commercial sectors. On November 6th, 2024: network with over 500 industry executives.

## Categories

- [Uncategorized](https://2026.privatelenderassociation.ca/category/uncategorized/)
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## Tags

- [FINTRAC](https://2026.privatelenderassociation.ca/tag/fintrac/)
- [Promissory Notes](https://2026.privatelenderassociation.ca/tag/promissory-notes/)
- [Private Mortgage Lending BC](https://2026.privatelenderassociation.ca/tag/private-mortgage-lending-bc/)
- [Property Management](https://2026.privatelenderassociation.ca/tag/property-management/)
- [AML](https://2026.privatelenderassociation.ca/tag/aml/)
- [Fraud Avoidance](https://2026.privatelenderassociation.ca/tag/fraud-avoidance/)
- [Smith Manoeuvre](https://2026.privatelenderassociation.ca/tag/smith-manoeuvre/)
- [Super Priority Liens](https://2026.privatelenderassociation.ca/tag/super-priority-liens/)
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## Categories

- [Cybersecurity](https://2026.privatelenderassociation.ca/mec-category/cybersecurity/)
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