Photo ID both sides — Ontario broker intake QC

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Why collect both sides of photo ID?

The back of an Ontario driver's licence often shows licence class, conditions, and other details used in auto rating. Follow your underwriting guide and firm policy.

Does RIBO require both sides on every file?

RIBO expects complete, producible client files. Exact ID lists come from carriers, MGAs, and brokerage policy — confirm with your compliance officer.

Does FINTRAC require both sides for personal auto?

Do not assume routine P&C auto intake is a FINTRAC identification event. FINTRAC duties apply to specific reporting-entity activities. Ask compliance before citing FINTRAC on a home/auto quote file.

How should CSRs reject front-only uploads?

Reject with a clear note: need the back of the licence, full card, readable. Separate front/back checklist lines reduce confusion.

Can clients upload via guest link?

Yes. Guest link (email OTP) or portal — clients photograph both sides from a phone.

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