The Canadian Real Estate Association

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. 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

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. 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. Amendments and modernization of the GST/HST new housing rebate. 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. 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 that impact real estate agents and brokers. Updates and amendment to the income tax act with regard to the deferral of capital cost allowance recapture for real property investments. Legislative and regulatory amendments to the Underused Housing Tax. 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 - regulations regarding reporting requirements 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 First-Time Home Buyers' Tax Credit with respect to impact on first-time homebuyers Consumers and Real Estate Transactions such a the Prohibition on the Purchase of Residential Property by Non-Canadians Act Comprehensive Financial Consumer Code with respect to mortgage policy Canadian governmen

Legislative and regulatory amendments to the Underused Housing Tax. 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. 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 jurisdiction of the Office of the Superintendent of Financial Institutions. -Income tax act with regard to the deferral of capital cost allowance recaptur

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 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. Amendments and modernization of the GST/HST new housing rebate. 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. 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. Prohibition on the Purchase of Residential Property by Non-Canadians Act 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

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. Amendments and modernization of the GST/HST new housing rebate. 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. 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 and the guidance provided by FINTRAC as a result of those regulations and their impact on real estate agents and brokers. Modernization of the Income Tax Act with regard to the deferral of capital cost allowance recapture for real property investments. 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 - regulations

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

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Registered Retirement Savings Plan with regard to the Home Buyers' Plan. Risk Based Approach guidance provided by the Financial Transactions and Reports Analysis Sector with respect to its impact on REALTORS(R). The Canadian Aviation Regulations with respect to the use of Unmanned Aerial Vehicles for use for real estate listings. The mortgage insurance guarantee framework with respect to changes to mortgage financing rules for homebuyers 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 Proceeds of Crime (Money Laundering) and Terrorist Financing (PCMLTFA) with respect to a threshold for and reduced compliance for small business. 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. 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 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 Housing Strategy programs and initiatives designed to support the creation of housing supply across the housing continuum. National Do Not Call List - implementation. Working to ensure compliance with all regulations. Mortgage financing rules under the jurisdiction of Finance Canada and 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. Legislative and regulatory amendments to the Underused Housing Tax. Increasing the capital gains inclusion rate 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. Establishment of a permanent national housing roundtable to bring together all levels of government and housing stakeholders to help address the housing crisis through an inclusive, holistic approach emphasizing collaboration, innovation, and policy coordination. Establish a cost-free, phased approach for EnerGuide labelling of homes, not at time of sale, to enable consumers to make informed decisions with a reliable, consistent standard, so that Canadian homeowners are not faced with further affordability and supply challenges. 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. 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 Financi

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 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 jurisdiction of the Office of the Superintendent of Financial Institutions. 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 First-Time Home Buyers' Tax Credit with respect to impact on first-time homebuyers. Consumers and Real Estate Transactions such a the Prohibition on the Purchase of Residential Property by Non-Canadians Act 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. Bill C-8 Economic and Fiscal Update Implementation Act, 2021, part 2underused housing tax (UHT), client has consistently recommended measures that increase domestic housing supply, concerns are in regards to the effectiveness of an Underused Housing Tax (UHT) and the potential for unintended consequences on the Canadian housing markets. 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.