Scott Aitchison

Discussions with government officials concerning carbon emissions from fertilizer as it relates to municipalities and efforts to reduce carbon emissions. Rail, Airports and Ports: Federal policies and programs with regard to access to national and international markets for trade, intra-city movement of people and goods and sustainability of small and rural communities. Municipal role in the G-7 &G-20 and trade negotiations with foreign countries surrounding tarrifs. Support for farmer-centric policies and strategies that improve resiliency in the face of extreme weather, mitigate against rising costs and inflation, support food security, improve access to new markets while partnering to share the costs of reaching Canada's climate targets; Carbon emission-reduction targets related to fertilizer Federal policies and programs with regard to improving accesses to affordable housing, reducing homelessness, increasing social infrastructure required for immigration and refugee settlement and integration support. Homelessness; Encampments; redevelopment of public lands required to support communities that support the Canadian Armed Forces and its members. Affordable housing; Housing supply; Refugee and asylum seeker settlement; Housing Accelerator Fund; Rapid Housing Initiative; Housing-enabling infrastructure; Redevelopment of public lands; Environmental and sustainable development policies and programs with regard to local climate change mitigation and adaptation; Disaster mitigation and adaptation; Capacity building for sustainable community planning; Greenhouse gas (GHG) reductions; Water management, watershed planning, wastewater, and stormwater policy; Urban forest management and stewardship; Brownfield redevelopment; National Adaptation Strategy; Greener Homes Grant; Green Building Strategy; Green Municipal Fund. Community safety and crime prevention. National/contract policing; Community-based mental health and substance use care; Opioids and harm reduction; Auto thefts; Crime prevention through social development; Community corrections; Federal and municipal roles and responsibilities regarding policing duties and funding Telecommunications and Technology: Telecommunications policies with regard to universal broadband access throughout Canadian communities, antenna tower and municipal rights-of-ways. Rural, remote and northern municipal issues: Federal policies and programs with regard to delivering infrastructure funding in rural, remote and northern communities, trade irritants effecting rural, remote and northern communities, the development and implementation of the northern strategy in the three territories and the development of a rural champion at the federal cabinet level. Municipal Finance and Intergovernmental Arrangements Revenue sharing with the federal and provincial governments: Federal policies and programs with regard to the payments in lieu of taxes (PILTs) system, intergovernmental partnerships, recognition of municipal governments contributions to economic growth, the fiscal imbalance between each order of governments revenues options and their responsibilities to provide services and programs to Canadians. Municipal Growth Framework. Municipal-aboriginal relations issues: Federal policies and programs with regard to municipal-aboriginal relations, resources to meet the needs of the aboriginal population living in municipalities, municipal consultation and communication regarding land management and additions to reserve. Urban and Rural Indigenous Housing; Municipal-aboriginal relations International municipal development; Canadian foreign policy with regard to Global Affairs Canada (GAC) funded programs overseas in various countries Guidelines for urban transit, intra and extra urban transit systems: Infrastructure and Transportation policy with regard to the development of guidelines, policy and dedicated funding for urban, intra and extra urban transit systems; Intercommunity bus; Aerodromes and airport

Discussions with government officials concerning carbon emissions from fertilizer as it relates to municipalities and efforts to reduce carbon emissions. Rail, Airports and Ports: Federal policies and programs with regard to access to national and international markets for trade, intra-city movement of people and goods and sustainability of small and rural communities. Municipal role in the G-7 & G-20, and trade negotiations with foreign countries surrounding tarrifs. Federal policies and programs with regard to improving accesses to affordable housing, reducing homelessness, increasing social infrastructure required for immigration and refugee settlement and integration support. Homelessness; Encampments; Affordable housing; Housing supply; Refugee and asylum seeker settlement; Housing Accelerator Fund; Reaching Home; Rapid Housing Initiative; Housing-enabling infrastructure; Federal policies and programs with regard to improving accesses to affordable housing, reducing homelessness, increasing social infrastructure required for immigration and refugee settlement and integration support. Homelessness; Encampments; redevelopment of public lands required to support communities that support the Canadian Armed Forces and its members. Affordable housing; Housing supply; Refugee and asylum seeker settlement; Housing Accelerator Fund; Rapid Housing Initiative; Housing-enabling infrastructure; Redevelopment of public lands; Emergency preparedness and security measures: Emergency preparedness policies and programs with regard to the cost and implementation of emergency equipment and first responder support; Disaster Mitigation and Adaptation Fund; Disaster Financial Assistance Arrangements (DFAA); Wildfire response; Flood mapping; Environmental and sustainable development policies and programs with regard to local climate change mitigation and adaptation; Disaster mitigation and adaptation; Capacity building for sustainable community planning; Greenhouse gas (GHG) reductions; Water management, watershed planning, wastewater, and stormwater policy; Urban forest management and stewardship; Brownfield redevelopment; National Adaptation Strategy; Greener Homes Grant; Green Building Strategy; Green Municipal Fund. Federal infrastructure program funding, including (but not limited to) Infrastructure Canada Canada Community Building Fund; Infrastructure programs and funding; Permanent Public Transit Fund; Canada Infrastructure Bank (CIB) financing; Investing in Canada infrastructure Plan; Universal Broadband; Rural, remote and northern infrastructure; Telecommunications and Technology: Telecommunications policies with regard to universal broadband access throughout Canadian communities, antenna tower and municipal rights-of-ways. Municipal-aboriginal relations issues: Federal policies and programs with regard to municipal-aboriginal relations, resources to meet the needs of the aboriginal population living in municipalities, municipal consultation and communication regarding land management and additions to reserve. Urban and Rural Indigenous Housing; Municipal-aboriginal relations International municipal development; Canadian foreign policy with regard to Global Affairs Canada (GAC) funded programs overseas in various countries. Support for farmer-centric policies and strategies that improve resiliency in the face of extreme weather, mitigate against rising costs and inflation, support food security, improve access to new markets while partnering to share the costs of reaching Canada's climate targets; Carbon emission-reduction targets related to fertilizer Guidelines for urban transit, intra and extra urban transit systems: Infrastructure and Transportation policy with regard to the development of guidelines, policy and dedicated funding for urban, intra and extra urban transit systems; Intercommunity bus; Aerodromes and airports; Intra and extra urban transit systems; Municipal/railway proximity issues; Trade corridors; Shipping routes an

Telecommunications and Technology: Telecommunications policies with regard to universal broadband access throughout Canadian communities, antenna tower and municipal rights-of-ways. Rural, remote and northern municipal issues: Federal policies and programs with regard to delivering infrastructure funding in rural, remote and northern communities, trade irritants effecting rural, remote and northern communities, the development and implementation of the northern strategy in the three territories and the development of a rural champion at the federal cabinet level. Rail, Airports and Ports: Federal policies and programs with regard to access to national and international markets for trade, intra-city movement of people and goods and sustainability of small and rural communities Municipal Finance and Intergovernmental Arrangements Revenue sharing with the federal and provincial governments: Federal policies and programs with regard to the payments in lieu of taxes (PILTs) system, intergovernmental partnerships, recognition of municipal governments contributions to economic growth, the fiscal imbalance between each order of governments revenues options and their responsibilities to provide services and programs to Canadians. Municipal Growth Framework. Municipal-aboriginal relations issues: Federal policies and programs with regard to municipal-aboriginal relations, resources to meet the needs of the aboriginal population living in municipalities, municipal consultation and communication regarding land management and additions to reserve. Urban and Rural Indigenous Housing; Municipal-aboriginal relations International municipal development; Canadian foreign policy with regard to Global Affairs Canada (GAC) funded programs overseas in various countries. Guidelines for urban transit, intra and extra urban transit systems: Infrastructure and Transportation policy with regard to the development of guidelines, policy and dedicated funding for urban, intra and extra urban transit systems; Intercommunity bus; Aerodromes and airports; Intra and extra urban transit systems; Municipal/railway proximity issues; Trade corridors; Shipping routes and sea ports; Federal policies and programs with regard to improving accesses to affordable housing, reducing homelessness, increasing social infrastructure required for immigration and refugee settlement and integration support. Homelessness; Encampments; Affordable housing; Housing supply; Refugee and asylum seeker settlement; Housing Accelerator Fund; Reaching Home; Rapid Housing Initiative; Housing-enabling infrastructure; Federal infrastructure program funding, including (but not limited to) infrastructure Canada Canada Community Building Fund; Infrastructure programs and funding; Permanent Public Transit Fund; Canada Infrastructure Bank (CIB) financing; Investing in Canada infrastructure Plan; Universal Broadband; Rural, remote and northern infrastructure; Environmental and sustainable development policies and programs with regard to local climate change mitigation and adaptation; Disaster mitigation and adaptation; Capacity building for sustainable community planning; Greenhouse gas (GHG) reductions; Water management, watershed planning, wastewater, and stormwater policy; Urban forest management and stewardship; Brownfield redevelopment; National Adaptation Strategy; Greener Homes Grant; Green Building Strategy; Green Municipal Fund. Emergency preparedness and security measures: Emergency preparedness policies and programs with regard to the cost and implementation of emergency equipment and first responder support; Disaster Mitigation and Adaptation Fund; Disaster Financial Assistance Arrangements (DFAA); Wildfire response; Flood mapping; Community safety and crime prevention. National/contract policing; Community-based mental health and substance use care; Opioids and harm reduction; Auto thefts; Crime prevention through social development; Community corrections; Federal and municipal roles a

Increases to the International Assistance Envelope Allocations of the International Assistance Envelope Advocating spending priorities related to the dissemination of Canada's Official Development Assistance envelope to ensure that aid is targetted at initiatives that serve the world's poorest. Advocating for increased investment toward tuberculosis elimination, specifically through the creation of a national tuberculosis elimination strategy.

Discussions on policies, programs, and mechanisms to improve RMH’s community infrastructure and address the temporary/supportive housing needs for children and families seeking medical care Advocating for the development of a federal capital funding program to address temporary housing needs for vulnerable populations. Government outreach related to securing funding for future capital projects, infrastructure and ongoing operations and social service delivery.

Seeking one time capital federal funding to support future capital projects and infrastructure expansions. Advocating for the development of a federal capital funding program to address transitional housing needs for vulnerable populations, including families served by Ronald McDonald House.

We are seeking relief from HST in the form of enhanced rebates/indexing. The Building Industry and Land Development Association advocates for reforms to policy that are in the interest of a more efficient and effective development approval process and policy reforms that improve the overall health of the development industry in Canada.

Advocate for removal of federal HST on new housing and increased federal funding for municipal infrastructure to reduce costs, unlock housing supply, and support economic growth.

Skilled Trades Development - promotion of skilled trades careers in construction. National Transit Strategy: As a component of the long-term infrastructure plan for Canada, OHBA is advocating for a permanenet, dedicated national transit strategy for Canada. National Housing Strategy - Advocating for national programs to encourage the supply of new housing including ownership, rental and affordable National Building Code of Canada (NBC) consultation related to code changes and the harmonization process Mortgage Stress Test - OHBA is concerned that the stress test is compromising the ability of many Canadians to qualify to purchase a home. Mortgage Amortization - advocating for an extended amortization period of 30 years for home buyers. Long-Term Infrastructure Plan for Canada: OHBA is advocating for increased funding of "core" infrastructure including roads, transit, bridges, water and waste-water facilities. Home Renovation Tax Credit - OHBA supported the Home Renovation Tax Credit when implemented as a stimulous measure. We are advocating for the federal government to implement a permanent home renovation tax credit targeting energy efficiency to combat underground economic activity in the residential renovation sector. GST Thresholds for New Housing - advocating for the federal government to update GST thresholds. Specifically eliminating the current regressive $350,000 and $450,000 thresholds and replacing with a single progressive threshold of $400,000. CMHC - Advocating to retain policy research functions and ongoing role for CMHC to provide mortgage loan insurance and mortgage back security investments that support construction loan financing. Further advocating for more applicable CMHC programs that enable more attainable housing supply.

Skilled Trades Development - promotion of skilled trades careers in construction. National Transit Strategy: As a component of the long-term infrastructure plan for Canada, OHBA is advocating for a permanenet, dedicated national transit strategy for Canada. National Housing Strategy - Advocating for national programs to encourage the supply of new housing including ownership, rental and affordable National Building Code of Canada (NBC) consultation related to code changes and the harmonization process Mortgage Stress Test - OHBA is concerned that the stress test is compromising the ability of many Canadians to qualify to purchase a home. Mortgage Amortization - advocating for an extended amortization period of 30 years for home buyers. Long-Term Infrastructure Plan for Canada: OHBA is advocating for increased funding of "core" infrastructure including roads, transit, bridges, water and waste-water facilities. Home Renovation Tax Credit - OHBA supported the Home Renovation Tax Credit when implemented as a stimulous measure. We are advocating for the federal government to implement a permanent home renovation tax credit targeting energy efficiency to combat underground economic activity in the residential renovation sector. CMHC - Advocating to retain policy research functions and ongoing role for CMHC to provide mortgage loan insurance and mortgage back security investments that support construction loan financing. Further advocating for more applicable CMHC programs that enable more attainable housing supply.

Communicating with government officials about the federal government's National Housing Strategy, more specifically advocating for changes that will increase the supply of housing. Communicating with government officials about skilled trades development, more specifically promoting careers in the skilled trades as a way to speed up home construction. Communicating with government officials about the National Building Code of Canada (NBC), including through government-led consultations, more specifically as it relates to proposed changes and harmonizations. Communicating with government officials about mortgage stress tests, more specifically as it relates to the qualification to purchase a home. Communicating with government officials about long-term infrastructure plans and investments, more specifically advocating for increased investments in roads, transit, bridges, water and waste-water facilities. Communicating with government officials about home renovation tax credits, more specifically expanding and extending home renovation tax credits targeting energy efficiency. Communicating with government officials about mortgage amortization periods, more specifically advocating for an extended amortization period for home buyers.

Consumers and Real Estate Transactions such a the Prohibition on the Purchase of Residential Property by Non-Canadians Act The mortgage insurance guarantee framework with respect to changes to mortgage financing rules for homebuyer The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTFA) with respect to a threshold for and reduced compliance for small business The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTF) with respect to compliance regarding mere postings on Multiple Listing Service (R) Systems, and application to For Sale By Owner Companies and auctioneers. The Canadian Aviation Regulations with respect to the use of Unmanned Aerial Vehicles for use for real estate listings. Proceeds of Crime (Money Laundering) and Terrorist Financing Act - regulations regarding reporting requirements Proceeds of Crime (Money Laundering) and Terrorist Financing Act with respect to the implementation of the Regulations Amending the Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations published in the Canada Gazette Part II on February 13, 2013 and the guidance provided by FINTRAC as a result of those regulations and their impact on real estate agents and brokers. Risk Based Approach guidance provided by the Financial Transactions and Reports Analysis Sector with respect to its impact on REALTORS(R). Registered Retirement Savings Plan with regard to the Home Buyers' Plan. Mortgage financing rules under the jurisdiction of the Office of the Superintendent of Financial Institutions. Implementation of Code of Conduct for Federally Regulated Financial Institutions—Mortgage Prepayment Information with respect to enhancing borrower awareness Implementation of Code of Conduct for Federally Regulated Financial Institutions—Mortgage Prepayment Information with respect to enhancing borrower awareness First-Time Home Buyers' Tax Credit with respect to impact on first-time homebuyers. Consumers and Real Estate Transactions Comprehensive Financial Consumer Code with respect to mortgage policy Canadian government's role with respect to the Financial Action Task Force (FATF) as it impacts the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and regulations. Canada Mortgage and Housing Corporation with respect to the composition of its Board of Directors Canada Mortgage and Housing Corporation policy with respect to serving underserved markets with mortgage default insurance, mortgage default insurance deductibles and role as a public sector provider of mortgage default insurance. Anti-Money Laundering and Terrorist Financing Policy with respect to the National Risk Assessment with respect to its impact on REALTORS(R). An Act respecting certain measures in response to COVID-19 and other COVID-19 related policy with respect to support for the self-employed, independent contractors, small businesses, those living on a commission-based income.

The mortgage insurance guarantee framework with respect to changes to mortgage financing rules for homebuyers. Registered Retirement Savings Plan Home Buyers' Plan - Working to enhance the value of the program through indexation for Canadian home buyers. Mortage financing rules under the juridiction of the Office of the Superintendent of Financial Institutions. Income tax act with regard to indexing the Home Buyers' Plan to the Consumer Price Index. Implementation of Code of Conduct for Federally Regulated Financial Institutions—Mortgage Prepayment Information with respect to enhancing borrower awareness. First-Time Home Buyers' Tax Credit with respect to impact on first-time homebuyers. Federal Budget with respect to tax measures to permit the rollover of Recaptured Capital Costs, working to enhance the value through indexation of the Registered Retirement Savings Plan Home Buyers' Plan for Canadian homebuyers, as well as enabling home buyers to re-use the Home Buyers' Plan after significant life events. Consultations regarding proposed changes to tax rules for private corporations. Comprehensive Financial Consumer Code with respect to mortgage policy. Canada Mortgage and Housing Corporation policy with respect to serving underserved markets with mortgage default insurance, policy with respect to mortgage default insurance deductibles and role as a public sector provider of mortgage default insurance. An Act respecting certain measures in response to COVID-19 and other COVID-19 related policy with respect to support for the self-employed, independent contractors, small businesses, those living on a commission-based income.

The role of Build Canada Homes (BCH) in addressing Canada’s housing needs, while ensuring the federal government continues to advance policies for the entire housing continuum. We strongly support that BCH must deliver deeply affordable, non-market housing for the most vulnerable in our society. Addressing homelessness and ensuring low-income Canadians have safe, secure housing is essential to building a fair and inclusive Canada, and REALTORS® are committed to helping make this a success. However, solving the housing crisis requires addressing the full continuum of needs. That means ensuring Build Canada Homes must demonstrate that federal investments can unlock attainable, market-based housing for middle-class families who are increasingly shut out of ownership. Partner with provinces, territories and municipalities on a National Housing Strategy that prioritizes housing choice across the full continuum, from ending homelessness to rebuilding the pathway to homeownership for generations of Canadians. Identify clearly defined, outcome-driven mandates for both Build Canada Homes (BCH) and the Canadian Mortgage and Housing Corporation. Commit to the preservation and restoration of an attainable pathway to homeownership for middle-class Canadians, including an increased national focus on helping create more missing middle supply across the country. Introduce targeted measures to support seniors in transitioning to appropriately sized housing within their existing communities— by enabling aging in place, facilitating home-sharing or rental of secondary suites, supporting downsizing, or allowing property severance to create additional housing units—thereby unlocking family-sized homes and generating retirement income while addressing the housing needs of younger Canadian families. The federal government should help scale and catalyze modern methods of construction, such as the prefabricated housing industry to leverage and strengthen this emerging industry for the benefit of all Canadians and the entire housing system. It is recommended that building code harmonization—to improve affordability and innovation—be paired with a further requirement of the CSA A277 standard to be adopted by provinces and territories to ensure compliance, facilitate faster approval and processes, and create consistency across the country. Ensure federal infrastructure funding, including but not limited to bilateral agreements, have conditions encouraging the creation of new housing supply across the housing continuum, which is indexed to population growth. Amendments and modernization of the GST/HST new housing rebate. The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTFA) with respect to a threshold for and reduced compliance for small business. The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTF) with respect to compliance regarding mere postings on Multiple Listing Service (R) Systems, and application to For Sale By Owner Companies and auctioneers. The mortgage insurance guarantee framework with respect to changes to mortgage financing rules for homebuyer The Canadian Aviation Regulations with respect to the use of Unmanned Aerial Vehicles for use for real estate listings. Risk Based Approach guidance provided by the Financial Transactions and Reports Analysis Sector with respect to its impact on REALTORS(R). Registered Retirement Savings Plan with regard to the Home Buyers' Plan. Proceeds of Crime (Money Laundering) and Terrorist Financing Act with respect to the implementation of the Regulations Amending the Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations published in the Canada Gazette Part II on February 13, 2013 and the guidance provided by FINTRAC as a result of those regulations and their impact on real estate agents and brokers. Proceeds of Crime (Money Laundering) and Terrorist Financing Act - regulations regarding reporting requirements Mortgage financing rules under the juri

The role of Build Canada Homes (BCH) in addressing Canada’s housing needs, while ensuring the federal government continues to advance policies for the entire housing continuum. We strongly support that BCH must deliver deeply affordable, non-market housing for the most vulnerable in our society. Addressing homelessness and ensuring low-income Canadians have safe, secure housing is essential to building a fair and inclusive Canada, and REALTORS® are committed to helping make this a success. However, solving the housing crisis requires addressing the full continuum of needs. That means ensuring Build Canada Homes must demonstrate that federal investments can unlock attainable, market-based housing for middle-class families who are increasingly shut out of ownership. Partner with provinces, territories and municipalities on a National Housing Strategy that prioritizes housing choice across the full continuum, from ending homelessness to rebuilding the pathway to homeownership for generations of Canadians. Identify clearly defined, outcome-driven mandates for both Build Canada Homes (BCH) and the Canadian Mortgage and Housing Corporation. Commit to the preservation and restoration of an attainable pathway to homeownership for middle-class Canadians, including an increased national focus on helping create more missing middle supply across the country. Introduce targeted measures to support seniors in transitioning to appropriately sized housing within their existing communities— by enabling aging in place, facilitating home-sharing or rental of secondary suites, supporting downsizing, or allowing property severance to create additional housing units—thereby unlocking family-sized homes and generating retirement income while addressing the housing needs of younger Canadian families. The federal government should help scale and catalyze the modern methods of construction, such as the prefabricated housing industry to leverage and strengthen this emerging industry for the benefit of all Canadians and the entire housing system. It is recommended that building code harmonization—to improve affordability and innovation—be paired with a further requirement of the CSA A277 standard to be adopted by provinces and territories to ensure compliance, facilitate faster approval and processes, and create consistency across the country. To urge the federal government to continue pressuring provinces and municipalities to reduce development taxes, and to collaborate with them to identify, mandate, and implement alternative funding mechanisms in place of development taxes. Amendments and modernization of the GST/HST new housing rebate. Fully remove the GST/HST on newly built homes for first-time home buyers. If that does not help to stimulate new housing starts, the federal government should consider extending the GST/HST Rebate to all owner-occupiers who purchase a newly built primary residence (i.e. seniors looking to downsize) and sell their existing home to another owner-occupier. Ensure Build Canada Homes represents a transformative change to grow and support a healthier housing system in Canada, that serves the needs of our entire population. It is essential to approach the solutions to the housing crisis from a systems lens – from supporting young Canadians that hope to own their own home one day to building diversified non-market housing and investing in the policy solutions needed to end homelessness. Increasing the capital gains inclusion rate Updating and developing Canada's Immigration policy to include a housing workforce immigration strategy to attract skilled trade workers from abroad, while streamlining the immigration process for qualified professionals willing to work in the construction industry to build more housing supply across the entire continuum. The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTFA) with respect to a threshold for and reduced compliance for small business. The Proceeds of Crime (Money La

The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTFA) with respect to a threshold for and reduced compliance for small business. The Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTF) with respect to compliance regarding mere postings on Multiple Listing Service (R) Systems, and application to For Sale By Owner Companies and auctioneers. The mortgage insurance guarantee framework with respect to changes to mortgage financing rules for homebuyers The Canadian Aviation Regulations with respect to the use of Unmanned Aerial Vehicles for use for real estate listings. Risk Based Approach guidance provided by the Financial Transactions and Reports Analysis Sector with respect to its impact on REALTORS(R). Registered Retirement Savings Plan with regard to the Home Buyers' Plan. Proceeds of Crime (Money Laundering) and Terrorist Financing Act with respect to the implementation of the Regulations Amending the Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations published in the Canada Gazette Part II on February 13, 2013 and the guidance provided by FINTRAC as a result of those regulations and their impact on real estate agents and brokers. Proceeds of Crime (Money Laundering) and Terrorist Financing Act - regulations regarding reporting requirements National Do Not Call List - implementation. Working to ensure compliance with all regulations. Mortgage financing rules under the jurisdiction of the Office of the Superintendent of Financial Institutions. Memorandum of Understanding between the Canadian Real Estate Association and PWGSC, re: the disposal of federal surplus property Marihuana Grow Operations (MGO) and clandestine labs with respect to registries of former MGOs and clandestine labs and remediation standards. Income tax act with regard to the deferral of capital cost allowance recapture for real property investments. Implementation of Code of Conduct for Federally Regulated Financial Institutions—Mortgage Prepayment Information with respect to enhancing borrower awareness Implementation of Canada's Anti-Spam Legislation and accompanying regulations and interpretive guidance with respect to electronic messages sent by REALTORS(R). First-Time Home Buyers' Tax Credit with respect to impact on first-time homebuyers. Consumers and Real Estate Transactions Comprehensive Financial Consumer Code with respect to mortgage policy Cannabis Act (formerly known as Bill C-45) with respect to rules and regulations related to the cultivation of marijuana in a residence. Canadian government's role with respect to the Financial Action Task Force (FATF) as it impacts the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and regulations. Canada Mortgage and Housing Corporation with respect to the composition of its Board of Directors Canada Mortgage and Housing Corporation policy with respect to serving underserved markets with mortgage default insurance, mortgage default insurance deductibles and role as a public sector provider of mortgage default insurance. Budget 2014 commitment to reduce the burden of complying with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) requirements that necessitate searches of 19 separate sanctions and known terrorist lists. Anti-Money Laundering and Terrorist Financing Policy with respect to the National Risk Assessment with respect to its impact on REALTORS(R). An Act respecting certain measures in response to COVID-19 and other COVID-19 related policy with respect to support for the self-employed, independent contractors, small businesses, those living on a commission-based income.

Development Charges: WE HBA strongly supports the Development Charges Reduction Program and is specifically supporting the City of Hamilton and City of Burlington applications to the Ontario Government The WE HBA supports indexing the GST New Home Rebate. The existing GST new home rebate thresholds of $350k and $450k were put in place in the early 1990s when the GST was implemented and have not been adjusted since then. Given housing price escalation over the past 3 decades - these GST thresholds should be adjusted to reflect current new home prices. Options include removing altogether or setting a higher single threshold of for example $1 million, $1.3 million or more. It is WE HBA's position that the threshold should be for all new home purchasers and not restricted only to first time purchasers. WE HBA supports the one year GST/HST relief package between the Ontario and Federal Governments. Stress Test: We support federal changes to fix the stress test by eliminating the stress test on uninsured mortgages and to adjust to make it dynamic on insured mortgages WE HBA is supportive of the introduction of legislation to enhance the Goods and Services Tax (GST) Rental Rebate on new purpose-built rental housing, to incentivize construction of much-needed rental homes for Canadians. The WE HBA supports federal funding for the Hamilton LRT. Currently the provincial government has dedicated $1 billion towards the construction of the Hamilton LRT. The WE HBA would be supportive of the federal government also contributing to the construction of this critical piece of transportation infrastructure. The WE HBA supports aspects of the National Housing Strategy. We support additional funding for affordable housing and enabling partnerships with the private sector. We support the utilization of government surplus lands for affordable housing and retrofitting existing aging housing stock. The WE HBA supports a national Home Renovation Tax Credit. In 2009 as part of the Economic Action Plan a 1 year HRTC was implemented to support economic recovery from the financial crisis. WE HBA is advocating for a similar program as part of post pandemic recovery. The WE HBA is supportive of the Housing Accelerator Fund which provides incentive funding to local governments encouraging initiatives aimed at increasing housing supply. It also supports the development of complete, low-carbon and climate-resilient communities that are affordable, inclusive, equitable and diverse.

Discussions relating to the legislative, regulatory, and policy developments related to digital currencies and cryptoassets Providing input on the prudential regulation of the banking sector Providing input on amendments to the Bank Act Providing input on federal budget measures that may impact the banking sector Discussions on supporting women’s advancement, career opportunities, and equitable outcomes in the financial services sector Discussing the Accessible Canada Act with the purpose of identifying, removing and preventing barriers for people with disabilities Discussions on strategies to mitigate tariff risks and navigate the review of the Canada-United States-Mexico Agreement Providing input on effective Artificial Intelligence regulation to balance risks and foster innovation Providing input on the regulatory framework to facilitate the process to become a federal credit union and support their operations Discussing plans on the Data Collection Modernization initiative Providing views on the Macroeconomic Stress Test (MST) 2.0 review Discussing Bill C-27 – Digital Charter Implementation Act, 2022, relating to the privacy and artificial intelligence provisions Discussions relating to the efficiency and effectiveness of the financial sector regulatory system Discussions on consumer issues relating to potential postal strike ensuring an appropriate scope of guidance Providing inputs on criminal interest rate as it relates to the calculation of the rate and exclusions Office of the Superintendent of Financial Institutions guidelines with respect to capital adequacy requirements, prudential limits and restrictions, accounting and disclosure, and sound business and financial practices Providing inputs on OSFI regulations and draft guidelines including in connection with culture, integrity and security, third-party risk, and operational risk Providing input on the development of the Consumer-Driven Banking Framework Providing inputs on Basel III Implementation with respect to capital floor phase-in and risk weights Providing inputs on Competition Act amendments Personal Information Protection and Electronic Documents Act (PIPEDA): seeking workable, practical approaches in the reform of PIPEDA Excise Tax Act with respect to Goods and Services Tax (GST) and Harmonized Sales Tax (HST) Support the development of an innovative, efficient, and secure payments ecosystem in Canada that benefits consumers Support the goals outlined in the National Cyber Security Strategy and collaborate with government, including the Canadian Centre for Cyber Security, to strengthen Canada’s cyber resiliency The Access to Basic Banking Services: seeking to clarify appropriate identification for opening accounts and to make account opening procedures more workable U.S. Mexico Canada Agreement (USMCA), trade agreements with other jurisdictions, World Trade Organization rules regarding cross-border trade in financial services Support the Government initiative of modernizing the Employment Equity Act and provide input to further strengthen the Act. Discussion relating to agricultural financing, including the efficient administration of the Advance Payments Program and the Canada Loan Administration Act Discussions relating to the development of Financial Consumer Protection Framework and voluntary commitments to promote protection for consumers Capital markets statutory, regulatory and self-regulatory organization regime applicable to banks as corporate issuers and their provincially regulated subsidiaries that are capital markets participants Discussion relating to housing finance framework, including reforms to expand housing supply, mortgage underwriting regulations and covered bonds Providing inputs on climate standards and disclosures Corporate governance statutory and regulatory regime for banks Canada Labour Code with respect to (i) impact on bank management of human resources, (ii) review of Part III of the Canada Labour Code, (iii) flexible work

Engage with the federal government, including through Build Canada Homes, CMHC and as part of the National Housing Strategy, to address the growing supportive housing needs of individuals with intellectual and developmental disabilities across Ontario and Canada. Advocate for innovative housing and financing models that support inclusive, mixed-use communities integrating affordable housing, support services, and community amenities, while advancing accessibility, inclusion, and long-term affordability within Canada's broader housing strategy. Expand the discussion about supports for people within the developmental services sector to include dual diagnoses and the intersection with mental health. Early Learning & Childcare Plan – increased supports for families with a child with special needs, inclusion in the financial commitment for accessible spaces. Canada Disability Benefit – consult with government officials to develop concrete actions to help reduce poverty & create opportunities for meaningful employment for people with intellectual disabilities. Advocate for the inclusion of the developmental services sector when making plans and decisions related to future emergency responses, especially as it relates to the COVID-19 pandemic. Advocate for increased and continued representation of disability sector supports in annual budget. Seek additional funding for Disability Benefits, Disability Tax Credit, Enabling Accessibility Fund. Advocate for federal expansion of the National Occupational Classification (NOC) Skill Level 0, A or B to include developmental service workers (NOC 4212), which are currently not under the Labour Market Impact Assessment (LMIA) exemption codes. Accessible Canada Act – contribute to discussions surrounding the ACA’s objective of creating a barrier-free country by 2040.

Discussions with government on addressing the shortage of skilled trade workers Discussions with government on reducing GHG emissions from the housing sector Discussions with government officials regarding the scope of the Home Energy Retrofit Initiative, as well as the EnerGuide hiring and training process and other green home programs as they become available. Discussions with government on how to address housing affordability and the supply shortage Engagement regarding the National Building Code of Canada and included energy efficiency standards for construction and subsequent operation

Discussions with government about the proposed GST cut on new build homes. Engagement regarding the National Building Code of Canada and included energy efficiency standards for construction and subsequent operation. Discussions with government on reducing GHG emissions from the housing sector. Discussions with government on addressing the shortage of skilled trade workers Discussions with government on how to address housing affordability and the housing supply shortage.