Most brokers assume a past client can be emailed indefinitely. The implied-consent windows are shorter and more specific than that.
Canada's anti-spam legislation governs commercial electronic messages — email, SMS and most direct messaging. It applies to a rate update, a newsletter and a one-line note asking whether someone is renewing. The burden of proving consent sits with the sender, not the recipient.
Given knowingly, in writing or orally, on an opt-in basis. A pre-checked box is not valid. It does not expire until it is withdrawn, which is why it is worth collecting properly.
Arises from a defined relationship and runs on a clock. When the clock expires, so does the right to send.
The six-month inquiry window is the one most often misread. Someone who asked for a quote and never transacted is a six-month relationship. A funded deal starts a two-year clock from the transaction. Because the windows attach to defined events, do not assume the ongoing life of a mortgage keeps a relationship permanently alive.
Identify yourself, and identify anyone else on whose behalf the message is sent, with contact information that stays valid. Where including all of it is impractical, a link to a readily accessible page is permitted, at no cost to the recipient.
An unsubscribe mechanism must be easy to use, must stay functional for at least 60 days after the message is sent, and requests must be given effect within 10 business days.
Administrative monetary penalties run up to $1 million per violation for an individual and $10 million per violation for a corporation. Directors, officers and agents can be personally liable where they directed, authorised or participated in the violation, which is the part that should interest anyone running a brokerage.
The CRTC publishes CASL guidance and FAQs at crtc.gc.ca, and the government's overview sits at fightspam.gc.ca. Current as of 1 September 2026.
Brokers at A.I.M.I. Collective get campaign tooling and templates built with consent tracking in mind.