Check spelling and middle names first. If they still do not appear, ask which regulator licenses them and in which province. Arranging mortgages without a licence is an offence in each of these provinces.
Most misses are search problems. Try the legal first name, a middle name and any former surname before drawing conclusions.
Then make sure you are searching the right regulator. In Ontario that is FSRA, in British Columbia the BCFSA find a mortgage broker search, and in Alberta RECA ProCheck. A licence in one province does not show up in another province's search.
If the person still does not appear, ask them directly which regulator licenses them and in which province. Arranging mortgages without a licence is an offence in each of these provinces.
Every broker at A.I.M.I. Collective is licensed in the province where they work, and licence renewals and continuing education deadlines are tracked centrally so nobody finds out on the day.
Where to search in each province, what the results show and what to check before you work with anyone.
Every licence search, with direct linksMortgage brokers became FINTRAC reporting entities on 11 October 2024. What that requires: compliance program, client ID, record keeping and reporting.
How CASL applies to mortgage broker marketing: express and implied consent windows, unsubscribe rules, the past client myth and the penalties.
Conflict of interest disclosure in BC is a timing obligation, not a form. What brokers must disclose, when, and how the Mortgage Services Act changes it.
Bring your questions to a discovery call and a broker owner will answer them directly.