STATUTORY DOSSIER 09 / 18

Mortgage brokerages

Mortgage brokerages already operate within a financial-services conduct regime. Adding credit-protection distribution duties can alter advice, documentation, and transaction timing.

All industries Evidence questions

KNOWN SCOPE

What the statutory mapping can support.

The legal class and product families are the starting point. They are not a measured economic impact.

Statutory class

Mortgage brokerages

Product familiesCredit protection
Affected roles to investigatebrokers · borrowers · lenders · compliance staff · insurers
Answer ownerMinistry of Finance, BCFSA, and Insurance Council of B.C.
Requested evidence stepAsk for the gap analysis between mortgage-broker regulation and the new insurance layer.

UNKNOWN / TO MEASURE

What overlap, borrower-cost, and broker-capacity analysis was completed for mortgage transactions?

This class-specific economic question comes from the canonical sector module. The redesign does not replace it with a generic estimate.

EVIDENCE STEP

Ask for the gap analysis between mortgage-broker regulation and the new insurance layer.

Population, implementation timing, product structure, compliance cost and outcome data should be acquired before a class-wide burden or benefit is asserted.

Measurement plan Build class-specific evidence request

Move through the statutory classes without returning to a single long page.

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