Mortgage Broker compliance programs
Mortgage brokers are now under full PCMLTFA oversight. We provide the KYC tools, private-lending risk controls, and documentation frameworks that protect your brokerage from federal penalties and lending scrutiny.
The mortgage broker risk landscape in 2026
The full application of the PCMLTFA to mortgage brokers has fundamentally changed every broker’s obligations. Documentation failures that were once administrative problems are now federal liability exposure.
Interest-rate limits, provincial licensing scrutiny, and loan documentation create real legal exposure under the PCMLTFA. We help you see exactly where your exposure lies.
Private and low-documentation lending is a focus of FINTRAC enforcement in the mortgage sector. The right controls protect your brokerage.
We implement anti-fraud controls
AA+ Solutions builds your complete PCMLTFA program — KYC tools, private-lending risk controls, loan documentation, and examination readiness — and trains your team so compliance becomes a documented part of every transaction you arrange. Every engagement is tailored to your brokerage; contact us for a consultation to scope exactly what your program needs.
What mortgage brokers need
Compliance Program Design
A complete FINTRAC program for the mortgage brokerage environment — with private-lending protocols built in.
Risk Assessment
A risk assessment that honestly evaluates your private-lending exposure, client base, and geographic markets.
Policy Writing
Clear, actionable policies your brokers can follow — including private-lending procedures and STR decision frameworks.
Is your brokerage ready for a FINTRAC examination?
Book a free consultation and we’ll assess your mortgage broker compliance program against FINTRAC’s 2026 requirements.