Amarjeet Gill

Over reliance on Automated Valuation Methodologies (AVMs) poses a significant risk for Canadian consumers, lenders and the financial system. The best option to minimize the lending risk for mortgage properties is to have an on-site appraisal conducted by a third-party appraiser to determine the occupancy, the condition of the property, the neighborhood characteristics, and ultimately, the existence of the property. AIC supports AVM regulation and the role of appraisers being recognized directly in federal legislation through the Bank Act. AIC is supporting OSFI Residential Mortgage Underwriting and Mortgage Insurance Practices and Procedures encouraging Federally Regulated Financial Institutions to employ sound valuation practices to determine the value of collateral used to secure and insure mortgages. Requiring FRFIs to apply proper due diligence by requiring valuation reports based on on-site, in-person inspections performed by qualified appraisers is a sound practice. It enables lenders to confirm the current valuation of the collateral when processing a mortgage loan application and provides the assurance that they are doing so with a valuation carried out in a fair and objective manner. In summary, we recommend that the Government of Canada continue to mandate, enhance, and enforce strong valuation fundamentals within FRFIs. AIC is advocating for OSFI to form a permanent, multi-sector, external stakeholder affairs advisory committee that would advise the regulator on emerging risks. With the government exploring EnerGuide Labeling of homes at the time of sale, the AIC recommends that this information, as well as other climate related risk information, be housed in a central, publicly accessible portal. As prospective homeowners and the mortgage lending industry rely, in part, on information gathered by appraisers to make their buying and lending decisions, accurate and publicly available information ensures that all parties are making informed real estate decisions. AIC Professional Appraisers adhere to strict educational and professional practice guidelines and can partner with appropriate governmental bodies and industry experts to help in the implementation process. The AIC believes a holistic approach to supply needs to be considered, where industry and municipal, provincial and federal governments all work together if there is any possibility for solving the lack of inventory and encouraging affordable housing prices. Some flood maps in Canada have not been updated for a number of years, in some cases for decades. The need for accurate flood information is essential to property purchasers, developers, lenders and to those engaged in municipal or land use planning. AIC is asking the Government of Canada to take on a coordinating role in this area. Downward pressure on appraisal fees and increasing demand for quicker turnaround times, combined with the restrictions on accessing good and reliable data, may ultimately drive professional appraisers away from completing mortgage finance work. This places a much higher risk for lenders and for Canadian consumers. Concerns over money laundering and the use of real estate assets to shield funds from scrutiny have become increasingly more strident in recent months. The AIC is asking the Government of Canada to assume a coordinating role in the development of beneficial ownership registries for real estate assets. Canadian consumers require additional education on the full range of fees associated with mortgage financing and refinancing as well as the role of various professionals involved in the transaction. A disclosure of all fees incurred as part of obtaining a loan should be a mandatory requirement for all lending institutions - federally and non-federally regulated – to ensure that Canadians understand the financial commitment involved in what is often the largest investments in their lifetime. This includes the appraisal management fee and the appraisal fee.

International development; climate finance and agricultural sustainability; and public engagement and domestic support. Discussions on the clarification of the new trade and development policy. Global Affairs Canada (GAC)'s focus remains on poverty reduction and discussions on tied aid are not a priority. Climate finance should contribute to sustainable agricultural outcomes. There was also a discussion on moving from isolated development interventions toward more integrated systems approaches - silos to systems. With regards to public engagement and support for international development, there was a discussion on potential government support for sector-wide initiatives. Additionally, there was discussion on the possibility of GAC conducting research to understand how civil society organizations (CSOs) engage Canadians on international development issues. International development. Discussion about the strategic importance of international development aid to Canada's economy, national security and values. Additionally, we sought to understand the Conservative Party of Canada (CPC)'s position on aid and asked that resilient food systems be prioritized in the party's international development platform. International development. Make resilient food systems an aid priority and ensure the development-trade approach focuses on poverty reduction. localization and sustainability. Official development assistance should continue to focus on gender and localization. in this regard, at least $5.5 billion of ODA per annum should go towards poverty reduction in developing countries. Climate finance should prioritize vulnerable groups, support biodiversity and minimize debt. Canada should triple climate finance to $15.9 billion for 2026-2031. The 5-year pledge announced in spring 2026 was much lower. We “welcomed” it and will continue to work on quality issues. The purpose of the meeting was to introduce the Humanitarian Policy and Advocacy Group (HPAG) and position HPAG as a thought-partner and ally for Canada's Permanent Mission to the United Nations in New York, gaining the ear of the Ambassador and his team for future influencing; highlight the prominence of Canadian international non governmental organizations (INGOs) within the humanitarian sector globally, highlighting the proportion and significance of Canadian aid; and to understand the Ambassador’s priorities and key next steps as he embarks on a new mandate. International Development. Discussion showcasing the results from our Nature Positive project which is part of the Partnering for Climate (P4C) program. The project responds to poverty and hunger, addressing climate change and building long-term economic resilience in sub-Saharan Africa. We asked for support in ensuring Canada’s next climate finance commitment prioritizes smallholder farmers and their communities in the Global South in adapting to climate change. International development. Discussion on Canada's official development assistance (ODA) and the need for it to prioritize food security. As a global leader in agriculture and food, Canada should help communities around the world dealing with rising food prices, climate change and conflict by prioritizing support for agriculture and food systems in its ODA. International development and international relations. Discussion on the importance of focusing on food security in humanitarian efforts, in light of the expected cuts to development funding. Additionally, discussion on the importance of official development assistance (ODA), alongside trade and economic stability to Canada, highlighting that ODA facilitates other aspects of international relationships. Discussion about Canada's official development assistance, its value to Canadian foreign policy and an appeal for Canada not to reduce aid but to show global leadership following the USAID cuts and decreases in aid budgets by some donor countries. Discussion about Canada's official development aid (ODA) and its valu

Discussions with government concerning regulation, policies and programs concerning veteran employment as it relates to the Canadian Corps of Commissionaires' social mandate to support veterans through meaningful employment, and other areas of support. The focus is on how Commissionaires can support the VAC Veterans Employment Strategy through our long standing role of providing security services across government.

CFIB supports the principle behind the Canada Jobs Grant but encourages flexibility in its implementation and consideration of small and medium-size enterprises (SMEs)' needs. For example, introducing a permanent refundable tax credits for co-op and internship hires and reducing red tape from programs like Canada Summer Jobs to make it easier for small businesses to continue hiring youth. Advocating on behalf of small and medium-sized businesses to facilitate trade between Canada and other countries (CAN-US tariffs, the Canada-United States-Mexico Agreement, Chinese tariffs). Canadian Federation of Independent Business (CFIB) shares its suggestions for Budget 2026 focusing on: reducing the small business tax rate from 9% to 6% and increasing the small business deduction (SBD) threshold to $700,000 and index it to inflation going forward. Canada is experiencing an “entrepreneurial drought”: a sustained period where business closures consistently outpace new business starts, leading to a shrinking entrepreneurial base and declining confidence in entrepreneurship. CFIB recommends that reversing this trend should be treated as a national economic priority. Sharing small businesses' views on Labour Code changes, impact on small businesses and the need to ensure the fluidity of the supply chain. Sharing survey results on improving CFIA customer service to encourage the review of their operations to better meet the needs of small and medium-size enterprises (SMEs) - reducing red tape and facilitating food mobility within Canada. Sharing data information and recommendations related to the state of small and medium-size enterprises (SMEs) overall and for specific sectors which could also include provincial data. Promoting reforms to the Competition Act that will ensure small businesses have an equitable opportunity to compete in today’s economy, especially as small and medium-size enterprises (SMEs) have noted an increase in large corporate giants within Canada. Shipping costs pose a significant barrier for small business, as such we continue to advocate for favourable shipping rates with carriers (including the cost of shipping along with better service levels and addressing the work stoppage at Canada Post). Presenting the views of small business owners based on our survey data to the Canada Revenue Agency to share ways of improving customer service interactions with small and medium-size enterprises (SMEs) and suggest ways to ease the tax burden on small business owners as well as increase accountability within the agency. CFIB continues to monitor the effects of the Consumer Product Safety Act on small and medium-size enterprises (SMEs) and other issues raised related to the mandate of Health Canada. We also continue to monitor customer service interactions between our members and Health Canada. Any issues are raised with officials. CFIB advocates for simplification to the federal procurement process on behalf of small and medium-size enterprises (SMEs). Lobbying to reduce Red Tape by focusing on removing interprovincial trade barriers, facilitating labour mobility and improving government customer service. This includes providing input for the consultations on the Annual Regulatory Modernization Bill. Goods and Services Tax/ Harmonized Sales Tax Administration with regards to Transitional Rules, Out of Province Sales Rules, Point-of-Sale Rebate, and fillings. Retirement Income Policies, and proposed Canada Pension Plan increases. CFIB is against mandatory increases in Canada Pension Plan, and has provided alternative approaches. CFIB has also shared recommendations to reduce disincentives to work for older workers. Presenting the views of small business owners on infrastructure spending through member survey results, mandate votes and other CFIB research. Offering funding solutions and alternatives to government proposals on transit and infrastructure expansion. Personal Information Protection and Electronic Documents Act (PIPEDA)

Fournir des recommandations concernant le développement de la chaîne d'approvisionnement pour les véhicules électriques. Fournir des recommandations au gouvernement concernant le développement d'une norme sur les émissions de GES des véhicules légers. Fournir des recommandations au gouvernement concernant les spécifications techniques des véhicules électriques importés de Chine. Fournir des recommandations au gouvernement pour le développement de la stratégie de recharge pour véhicules électriques.

Vehicle Emissions Standards - Ensuring achievable standards support the competitiveness of the Canadian automotive industry and support a unified national approach to vehicle emissions standards and sales. On-Road Vehicle and Emissions Regulations - ensure ongoing competitiveness of Canada's automotive sector. Ensuring Canada Revenue Agency's application of the Green Levy to Zero Emissions Vehicles is consistent with other policies and regulations across government. Addressing organized crime vehicle theft through banning the sale and possession of auto theft tools, stronger sentencing provisions for those stealing vehicles, increased law enforcement coordianation across Canada and with international partners, as well as export controls on used vehicles exiting Canada through our ports, and increased inspection of containers in particular through the Port of Montreal by CBSA Canada's response to potential changes to U.S. treatement of Canadian imports. Review of the Canada-US-Mexico Agreement - Supporting continued competitiveness and investment in an integrated North American automotive industry. Proposed legislation to eradicate forced labour from Canadian supply chains and strengthen enforcement of its existing forced labour import prohibition as set out in Budgets 2023 and 2024 Transport Canada - Federal infrastructure - New crossing between Windsor and Detroit. Vancouver Gateway, Halifax Gateway -to facilitate international trade renewable fuels, altnerantive fuels and associated fuel quality issues to ensure motor vehicles and vehicle systems are not adversely impacted Regulatory Cooperation Council work on Transportation and Environment sub-committees to align vehicle safety standards, connected vehicle infrastructure and emission standards on a North American basis Privacy legislation and overhaul of the PIPEDA to effect the balance between the protection of personal information and appropriate commercial uses of personal information as well as the need for federal oversight over privacy legislation Privacy and protection of consumer information as vehicles become more connected and automated NRCan fuel consumption test methods - Ensuring consistency of test methodology with the United States as well as ensuring appropriate provisions for Canada-unique vehicles Motor Vehicle Safety Act - any proposed changes to the Act are consistent with provisions in the United States Industry Canada - Strategic Policy for Automotive Sector - pertaining to retention of North American production footprint as well as incentives or other mechanisms employed to ensure all manufacturers and distributors are treated equitably Federal Luxury Tax and Implementation of same and ensuring the electric vehicles are exempted from the legislation Extended Producer Responsibilty - proposals for end of life management for ozone depleting substances and volatile organic compounds (VOC's) Ensuring that voluntary Canadian Automotive Service Standard (CASIS) prevails as mechanism for automotive aftermarket to secure service and repair information and to ensure that any Right to Repair legislation considered has an automotive carve out because of CASIS Elimination of tariff on finished vehicles Chemical Management Plan under Canadian Environmental Protection Act,1999 - risk management plans for chemical substance of concern potentially contained within the automobile or its components. Canadian Motor Vehicle Safety Standards - Consultation and discussion on proposed amendments to various standards to align with similar Federal Motor Vehicle Safety Standards (FMVSS) in the United States with consideration to United Nations Economic Commission for Europe (UNECE) standards

Ensure maximum consumer choice within EV purchase incentive programs while maintaining a fair and competitive marketplace and a focus on the government’s environmental objectives. Further ensure fair treatment of all manufacturers regarding program eligibility and the reimbursement of purchase incentives already issued to consumers on behalf of the Government of Canada by dealers. Tesla intends to participate in policy, regulatory and legislative consultations and processes that pertain to cybersecurity, artificial intelligence, information security, sourcing and trade matters associated with: connected vehicles, automated vehicles, automated driving systems, electric vehicles, battery energy storage equipment, and factory equipment. Tesla will advocate for regulation, and where required legislation, that supports the homologation and safe deployment of Automated Driving Systems (ADS) in Canada. Engage with government and provide guidance with regard to policy responses to international trade practices, in an effort to protect Canada's battery and automotive sector, ensure the achievement of Canada's greenhouse gas reduction objectives. Engagement with government through consultations and meetings related to emissions standards, electric vehicle strategies and battery material supply chain with respect to the design of policy and regulatory frameworks to ensure: barriers to electric vehicle adoption are being addressed; an effective battery material supply chain for the North American industry is being established; effective and strong vehicle greenhouse gas standards are in place; and that attention is being paid to barriers facing the adoption of electric trucks. Tesla will encourage government departments and their agencies to establish or further enhance policies and programs that support the deployment of electric vehicle charging infrastructure in Canada. In particular, for light duty vehicle charging in multi-unit residential properties, in dense urban settings, along remote corridors and at federal properties, including national parks. Heavy-duty freight electrification and supporting infrastructure in the logistics sector will also be a focus. Furthermore, Tesla will apply, from time to time, for infrastructure funding where eligible, through competitive merit-based funding application processes as they are issued by Natural Resources Canada. Engage with government and provide guidance with regard to the establishment and implementation of an effective electric vehicle strategy for Canada in a holistic manner, focused on demand and supply policy in the electric vehicle space. This includes providing recommendations to government with respect to addressing any policy, program and regulatory proposals which may impact market fairness and equality among automotive retailers or brands, or that may negatively impact subsets of consumers in Canada. This further includes providing recommendations to government in regard to transitioning some demand-side program funding streams from tax-base to revenue-neutral, non-tax and avoidable regulatory charges, while increasing access and providing program benefits to consumers interested in larger vehicle classes. The objective is to maximize greenhouse gas reduction benefits of these demand-side programs while also establishing the required supply-side policy to support demand-side goals, such as through strict light duty vehicle emissions regulation, zero emission vehicle standards or a combination of both. Engage Measurement Canada and other relevant departments in discussions about charging station metrology and fair billing practices with the intention of enabling EV charging station billing on an energy (kWh) basis.

Promote Canadian policies and international cooperation to prevent and address forced and child labour, through responsible business conduct, supply chain due diligence, trade and import measures, international development, and collaboration with international partners to strengthen protections for children in global supply chains. Ensure Canadian arms exports do not negatively impact children in humanitarian crises Identifying opportunities to encourage Canadians to donate regularly to charities, including enhancements to the federal charitable donation tax credit. Support for long-term increases to Canada's international assistance. Obtain high level government support for stabilization, protection of civilians and aid effectiveness in complex humanitarian emergencies. Obtain contributions from Global Affairs Canada for the delivery of development and humanitarian assistance programs. Legislative change in sanctions regime and criminal code to allow humanitarian funding Ensuring Canada's official development assistance includes increased resources for and global leadership in regards to reproductive, maternal, neonatal, child and adolescent health (RMNCAH) especially for the most vulnerable women & children.