Ontario mortgage broker record retention

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

How long must mortgage brokers retain client records?

FINTRAC guidance commonly requires 5 years for certain identification and transaction records. FSRA expectations are set by MBLAA, O. Reg. 188/08, and current guidance. Consult your principal broker.

Does Hivi-X set retention periods?

No. Your brokerage defines retention policies. Hivi-X helps organize records with timestamps on the agent-controlled borrower file.

Where is borrower data stored?

On servers hosted in Canada. Sensitive fields use AES-256-GCM at rest; traffic uses TLS.

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