Canada's Insurance Regulators:

1. Office of the Superintendent of Financial Institutions (OSFI)
2. Provincial and Territorial Insurance Regulators
3. Canadian Council of Insurance Regulators (CCIR) and Canadian Insurance Services Regulatory Organizations (CISRO)
4. Compensation Organizations (Assuris, and Property and Casualty Insurance Compensation Corporation (PACICC))
5. Dispute Resolution Organizations (OmbudService for Life and Health Insurance (OLHI) and General Insurance OmbudService (GIO)

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Compensation Organizations for the Insurance Companies' Insolvency
1. Assuris (For Life and Health Insurance)
Death benefit: max 200K
Health expense: max 60K
Monthly income: max 2K
Cash value: max 60K
Deposit products: max 100K
TFSAs: max 100K

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Compensation Organizations for the Insurance Companies' Insolvency
2. Property and Casualty Insurance Compensation Corporation (PACICC) (For Property and Casualty Insurance)
Auto and commercial insurance - max 250K
Home insurance - max 300K

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Securities regulators’ mandate:

Policy: Develop rules and regulations
Registration: Administer the registration of market participants
Compliance: Oversee and monitor registrants for compliance with legislation and regulations
Enforcement: Enforce the rules, regulations, and legislation. Discipline market participants who breach the rules, regulations, and legislation

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Canadian Securities Administrators (CSA) manages:
A) CSA Regulations

B) Passport System

C) Electronic Databases
1) System for Electronic Document Analysis and Retrieval (SEDAR)
2) System for Electronic Disclosure by Insiders (SEDI)
3) National Registration Database (NRD)
4) Cease Trade Order (CTO) National Database

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Mutual fund dealers
*** Must be registered with the provincial and territorial securities regulators
*** Must be the member of the Mutual Fund Dealers Association of Canada (MFDA)

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Self-Regulatory Organizations:

MFDA: Mutual Fund Dealers Association of Canada
IIROC: Investment Industry Regulatory Organization of Canada
CSF: Chambre de la sécurité financière

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The MFDA's mandate includes:
* Financial Compliance * Business Conduct Compliance * Enforcement * Regulatory Policy

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Mutual fund dealers in the province of Québec are regulated by the Autorité des marchés financiers (AMF).
Dealing Representatives in Québec must be members of the Chambre de la sécurité financière (CSF).
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Non-SRO market participants are directly regulated by the provinces and territories:
* Scholarship Plan Dealers * Exempt Market Dealers * Investment Counsels / Portfolio Managers * Investment Fund Managers

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Investor Protection Funds
Firms registered in the capital markets must maintain a strong financial position, which is monitored by the securities regulators and SROs, the same for the members of the MFDA and IIROC.

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Investor Protection Funds
If a firm fails, investors of the investor protection funds are covered for any losses (up to maximum coverage levels) as a result of the insolvency:
*** Investor Protection Fund (MFDA IPC): For MFDA Members
*** Canadian Investor Protection Fund (CIPF): For IIROC Members

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The dispute resolution services from OBSI are available if:
*** After 90 days from the complaint, the dealer has not provided a substantive response and the client notifies OBSI that they wish to have the complaint considered by OBSI.
*** Within 180 days of the client's receipt of the substantive response and the client notifies OBSI that they wish to have the complaint considered by OBSI.
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The dispute resolution services from OBSI:
*** Clients can only access the dispute resolution services of OBSI, where their claim is no greater than $350,000.00.
*** If OBSI decides in favour of the client, it has the authority to recommend that the firm compensate the investor up to a limit of $350,000.

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Anti-Money Laundering/Terrorist Financing (AMLTF) requirements are codified in the following instruments:
*** Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
*** Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTF) Regulations
*** FINTRAC Guidelines

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Anti-Money Laundering/Terrorist Financing (AMLTF) Requirements for the Financial Sector:
1. Establish an effective compliance regime
2. Appoint an AMLTF Compliance Officer
3. Identify clients

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Anti-Money Laundering/Terrorist Financing (AMLTF) Requirements for the Financial Sector:
4. Conduct surveillance to detect improper activities including: * Large transaction reviews * Suspicious transaction reviews * Terrorist property reviews
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Anti-Money Laundering/Terrorist Financing (AMLTF) Requirements for the Financial Sector:
5. File surveillance reports including: * Suspicious Transaction Reports * Large Cash Transaction Reports * Terrorist Property Reports * Monthly Suppression of Terrorism and UN Sanctions Reports

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Personal Information Protection and Electronic Documents Act (PIPEDA):
*** Personal information must be collected for a reasonable purpose and with consent.
*** Personal information must be used for the purpose consented, and limit the collection, use, and disclosure.
*** Individuals must have a right to correct any inaccuracies.
*** Companies must store personal information securely.

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Personal information
* Name * Date of birth * Address * Telephone number * Gender * Physical description (e.g. height, weight, eye color) * Identification numbers (e.g. social insurance number) * Income * Education * Employment * Blood type * Credit records * Loan records * Existence of a dispute between consumer and merchant * Intention to acquire goods or services * Visual images and videotapes

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Personal information does NOT include the below information:
* Name * Business title * Business address * Business telephone

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