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MECHANUS IQ

Forensic operational intelligence

Compliance posture

Primary sources beat secondary summaries.

The regulatory landscape around Canadian dealerships is changing. The Mechanus IQ posture is designed from primary statutes, regulations, and regulator statements. Nothing on this page is legal advice. A Canadian dealership should engage its own counsel for operational compliance decisions.

Posture

BC Restricted Insurance Agent (RIA) 2027

Effective January 1, 2027. Primary public sources: Order in Council 598/2025, the Insurance Council of BC RIA implementation pages, and BCFSA Regulatory Statement 24-008. Motor vehicle dealers are listed for credit protection insurance, guaranteed asset protection insurance, and vehicle warranty insurance. BCFSA distinguishes vehicle warranty insurance from automobile insurance, which is why non-mechanical protection products require product-by-product counsel review before operational changes.

PIPEDA

Mechanus IQ never receives customer PII. Dealers strip PII at source before export. Employees identified only by dealer-assigned anonymous personnel codes. The system architecture was designed to avoid the compliance footprint, not merely meet it. No model training on client data; prohibited by contract.

FINTRAC

Reporting thresholds and data classification align with the federal Anti-Money Laundering framework. Large-cash-transaction reporting at the dealer level remains the dealer's obligation; Mechanus IQ does not substitute for that reporting but surfaces patterns that would warrant internal review.

BC Consumer Protection Act

Disclosure workflow gates are designed to land inside the dealer-side compliance obligation, not around it. The SOP gating layer enforces disclosure capture before a deal can finalize, reducing the risk profile on consumer-protection audits.

Source discipline

Public RIA anchors include BC Government release 2025FIN0046, Order in Council 598/2025, Insurance Council implementation status, and BCFSA Regulatory Statement 24-008.

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