Canadian Association of Private Lenders
Canadian Association of Private Lenders
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News Canada Bank Fraud: APP Scams, UK Reimbursement Rules, and What Needs to Change
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News Canada AML/ATF Update: New Reporting and Verification Rules for MSBs, Title Insurers, Real Estate, and Private ABM Acquirers
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News FINTRAC PCMLTFA Requirements for Mortgage Brokers and Lenders: 2024 Compliance Videos and Guide
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News, Uncategorized GST/HST New Housing Rebate in Canada: How to Prove Primary Residence Intent After Lisi v. The King (2025)
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News Regulatory Updates for the Private Lending Industry — Ontario and the Financial Services Regulatory Authority
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News Regulatory Update: Criminal Interest Rate – Proposed 35% APR
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News Regulatory Update: AML for the Mortgage Industry and more
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News Regulatory Update: AML for the Mortgage Industry and more
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News Anti-money laundering requirements for mortgage lenders
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News The Federal Government is planning to lower the criminal interest rate to 35%
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Products Expert Reports for Litigation or Regulatory Hearing Purposes
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News Current Consultations: Mortgage Services now included in AML regime and Comprehensive Alberta Review
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News Draft AML Regulations for Mortgage Lenders, Brokers and Administrators Now Published for Comment
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News Federal Government releases regulations for foreign buyers’ ban
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News New implementation date of BC’s property rescission period
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News FSRA report on innovation and technology in the Ontario mortgage services sector
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News Lawyers call for government to revisit foreign buyers’ ban
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News Mortgage fraud in private lending predicted to increase
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News US sees the emergence of “crypto mortgages” – could they come to Canada?
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News US develops framework for regulation of crypto with international bodies
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News New lenders association aims to provide regulatory feedback on private lending
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News Cullen Report Recommends AML Compliance and a New BC Private Lending Regulator
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News Why move-in inspection reports for tenancies are required in Alberta and a good idea in other provinces
The mission of the Canadian Association of Private Lenders is to support, educate and foster a thriving private mortgage lending and investing industry.
CAPL provides its members with information, research, and operational advice and best practices. We provided expert practice support to members to assist them with setting up and operating their private mortgage lending and investing.
The Association contributes to the development of public policy on issues that affect private lenders. We are involved with developing industry consensus on issues impacting private lenders in Canada through regulatory engagement and advocacy on behalf of our members. CAPL advocates for public policies that contribute to a thriving lending system to ensure Canadians can succeed in their financial goals.
What we do
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Advocacy
Learn moreWe work on behalf of our members, to communicate with regulators, government bodies, and political representatives on legislative and public policy reforms to promote an accountable, and thriving private lending industry and a regulatory system which balances consumer protection with sound, rationale rules.
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Education
Go to WebinarsOur monthly webinars, led by highly respected professionals in the private lending field, offer valuable educational opportunities for those looking to expand their knowledge and stay ahead in the industry. Each session provides practical insights, expert advice, and up-to-date strategies tailored to the evolving needs of lenders and investors.
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News
Latest NewsWe keep our community informed with timely news and updates from the Canadian mortgage and lending industry, ensuring our members remain well-equipped to make informed decisions in a dynamic market.
Become a Member
Get access to resources, programs and networking opportunities, and professional advice.
Upcoming Events
See our upcoming events or access all past webinars.
Mortgage Service Act (MSA) – Regulatory Standards of Conduct
Mortgage Service Act (MSA) – Principal Broker Duties and Responsibilities
Latest News
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Anti-money laundering requirements for mortgage lenders
CAPL has met with consultants working for FINTRAC to assist with the roll out of AML requirements for the mortgage services sector, which includes mortgage ... -
Proposed Exemptions for the Criminal Rate Interest
Recently CAPL proposed four exemptions to the Federal Government which would apply to the new lowered criminal rate of interest. Housing interest prohibitions in the ... -
The Federal Government is planning to lower the criminal interest rate to 35%
The Federal Government is planning to lower the criminal interest rate to 35%. This will impact private and alternative lenders, particularly lenders that provide loans ... -
CAPL comments on the criminal rate of interest.
Read CAPL’s letter concerning proposed changes to the criminal rate of interest. Click here for criminal rate letter
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Criminal Interest Rate Prohibition – Exemptions
CAPL has been advised that the Federal Government has tabled Notice of a Ways and Means Motion for Budget 2023 in the House of Commons. Division ... -
Current Consultations: Mortgage Services now included in AML regime and Comprehensive Alberta Review
Federal AML rules – As many now know, the federal government has now published new amending regulations to federal anti-money laundering legislation (the Proceeds of ...
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