The Hypora blog

Guides for your mortgage practice.

Understand FINTRAC requirements and changes affecting your files, with sources you can review.

Original Hypora editorial diagram

Available guides

FINTRAC compliance

Hypora editorial diagram based on FINTRAC compliance program guidance
Guide · FINTRAC compliance8 min
Two-year effectiveness review: what should you actually test?
This resource answers : How do I test whether my compliance program works?
Plan, sampling, report and follow-up: how a mortgage broker can prepare the two-year review of a FINTRAC compliance program.
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Editorial diagram based on FINTRAC guidance
Guide12 min
FINTRAC Guide for Mortgage Brokers
This resource answers : What are a mortgage broker's FINTRAC obligations?
The five FINTRAC obligations of a mortgage broker, common pitfalls, and what happens during a review. Educational content, sourced from FINTRAC.
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Regulatory changes

Explanatory diagram by Hypora
Update8 min
Bill C-12: what changed for the mortgage broker
This resource answers : What does Bill C-12 change for FINTRAC penalties?
Royal Assent on 26 March 2026. FINTRAC administrative penalty ceilings were multiplied. What brokers need to know, without legal advice.
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Hypora does not give legal advice: the broker remains responsible under PCMLTFA s. 9.6.

The evidence, in the product

The resources explain the obligation. The Compliance page shows how Hypora organizes, timestamps and stores evidence of that work, in Canada.

See the Compliance page

See the product

The summary is prepared in the Filogix Expert format. You copy and paste it yourself. No automated submission.

How it works

Keep the evidence of what you verified.

Hypora organizes, timestamps and stores in Canada the FINTRAC compliance evidence for each mortgage file. The broker stays in charge.