· Lending
Consumer credit disclosure requirements in Canada
Provincial credit legislation requires specific disclosures to borrowers at the time credit is offered — and the requirements differ across Canadian jurisdictions.
Tag: Canada
- · FINTRAC
Financial technology regulation in Canada
Canadian fintech regulation turns on what a product does, not what it is called — and the analysis starts with the flow of funds.
When a fintech investment platform requires securities registration in Canada
Securities registration requirements for investment platforms in Canada attach to the activity performed, not to whether the platform considers itself a financial services company.
- · Lending
Lender of record structures in Canadian fintech lending
Which entity is the lender of record in a fintech lending product determines disclosure obligations, licensing exposure, and how regulatory risk is allocated across the structure.
Referral arrangements and securities regulation in Canada
Fintech platforms that refer users to investment products or registered dealers can trigger securities law obligations depending on how the referral is structured and how it is compensated.