Built for regulated lending
FSRA, MBLAA, FINTRAC, OSFI B-20, PIPEDA — every rule encoded, every action audited, every report regulator-ready in one click.
Built for the rules you actually face
FSRA
Ontario regulator forms, licence verification, annual information return, supervisory officer hierarchy.
MBLAA
Ontario Mortgage Brokerages, Lenders and Administrators Act — record-keeping, disclosure, supervision.
FINTRAC
LCTR + STR reporting, beneficial ownership, PEP / sanctions screening, source-of-funds documentation.
OSFI B-20
Residential mortgage underwriting guideline — stress-test math, LTV limits, income verification standards, exception tracking.
Provincial regulators
BCFSA, RECA, FCAA, MBA and the rest — licence status, disclosure forms and record-keeping rules per province.
Privacy
PIPEDA, Quebec Law 25 and GDPR — right to access, right to erasure, breach notification, consent management.
AML / KYC
Equifax KYC Connect, Refinitiv sanctions, adverse media monitoring, periodic refresh (24mo cycle).
Evidence packs
Per-deal, per-period, per-policy. One-click export with cryptographic chain integrity proof.
Multi-tenant
Per-tenant compliance posture for networks and franchisors managing many brokerages.
Auditor shows up. You hit export.
- Borrower ID validation (MRZ + AAMVA) · Mar 12
- AML screening (Equifax + Refinitiv) · Mar 12
- Income verification (Inverite CRA) · Mar 13
- Bank pull (Flinks 90d) · Mar 14
- Commitment letter v2 signed · Mar 18
- Disclosure timing gate cleared · Mar 21
- Conditions resolved (12 of 12) · Mar 26
- Funding wire signed off · Mar 28
Compliance — common questions
- Does Mortgage360 make us FINTRAC compliant?
- No software does. It produces the client identification records, screening results, retention and audit trail an examination asks for, so the evidence is assembled as you go rather than reconstructed under deadline. The compliance program remains the brokerage's obligation.
- Which regulators does the platform account for?
- FINTRAC and the PCMLTFA federally, OSFI B-20 for qualification, and the provincial regimes — FSRA and the MBLAA in Ontario, BCFSA in British Columbia, RECA in Alberta, and the equivalents elsewhere. It is built for Canadian regulation, not adapted from a US product.
- What does a FSRA examination actually ask for?
- Predominantly records: the client file, the disclosures, the identification, and evidence that your policies were followed rather than merely written. Brokerages fail examinations on record-keeping far more often than on bad deals.
- How long are records retained?
- Retention is set to satisfy the statutory minimums with margin, and records are held in a structured form rather than as attachments with a naming convention. A compliance record that depends on somebody's filing discipline is the one that fails on the file an examiner picks.
- Can head office see compliance status across every agent?
- Yes. Licensing status, continuing-education hours, renewal windows and outstanding compliance items roll up to a brokerage view, which is the point — a principal broker is accountable for files they did not personally work.
- Does it handle CASL for marketing?
- Consent state lives on the contact and is checked before any send, with unsubscribe handling and the required identification built into the templates rather than left to whoever writes the message.