FINTRAC ongoing training · 2026FINTRAC ongoing training · 2026 edition
The Regulations don’t set a training interval. Your examiner will still ask about yours.
Mortgage brokerages must run an ongoing training program, document a plan for it, and actually deliver it. No frequency is prescribed — which means the cadence is yours to choose and yours to defend. Broker Armour gives you the course, the documentation behind the cadence, and a certificate for every broker.
Per broker, per year. The course itself is desktop-only.Per broker, per year. Renews annually with the new edition.
- 1What Is Money Laundering?
- 2What Is Terrorist Financing?
- 3Impact of Money Laundering
- 4Placement, Layering, Integration
- 5Risk Management
- 6AML Processes, Procedures, and Red Flags
- 7Internal Reporting for AML
- 8Canada
- 9Speaking Up
What you get
The three things an examiner asks for, produced for you.
Annual course + assessment
Nine structured lessons with a required pass mark, not a video you can leave running.
A dated certificate per broker
Individually issued evidence of delivery — the thing you actually produce on examination.
Your documented training plan
Recipients, topics, method and frequency, written down and defensible.
01 · Enrol
Email and password. Pay by card. You are in the course in under a minute.
02 · Learn
Nine lessons on desktop, at your own pace. Progress is saved as you go.
03 · Pass
Seven short assessments with a required pass mark. Retake if you need to.
04 · Certificate
Dated and numbered, in your name. Print it or hand the number to your compliance officer.
Pricing
One price for a broker. A conversation for a brokerage.
Individual broker
$50CAD / broker / year
- Full course, all nine lessons and seven assessments
- Dated certificate in your name
- Renews each year with the new edition
Brokerage licence
Priced for your brokerage
- Seats for every broker and agent
- A completion record your compliance officer can show a reviewer
- Every certificate under one number a reviewer can look up
The obligation
There is no safe harbour, because there is no prescribed interval.
The frequency must be chosen, documented and defensible. An undocumented cadence is the exposure. Annual is the cadence we run and the one this course is built for — that is our choice, not the law’s.
- PCMLTFR s. 156(1)(d)–(e)
- A written, ongoing training program, a documented plan, and delivery.
- s. 156(3)
- An effectiveness review every two years that tests that training.
- 11 October 2024
- Mortgage brokers, lenders and administrators became reporting entities.
- 26 March 2026
- Training failures reclassified as “very serious” violations.
Who built it
Broker Armour is the compliance imprint of A Better Way Mortgage Group. This is the course we run inside our own brokerage, against the same regulations and the same examiners — built as a brokerage that had to meet the October 2024 obligations, not as consultants reading about them.