FINTRAC KYC for Ontario mortgage brokers

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

When did mortgage brokers become FINTRAC reporting entities?

October 11, 2024. Mortgage brokers must maintain a compliance program and client identification records per FINTRAC guidance, in addition to FSRA supervision requirements.

Is Hivi-X FINTRAC-certified?

No. Hivi-X helps organize borrower documents and timestamps on the agent-controlled record. It does not replace your brokerage compliance program or file FINTRAC reports.

Is this legal advice?

No. General information only. Consult your principal broker, compliance officer, and qualified counsel.

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