Americas & Caribbean

Kanada

Canada ni a nla onshore owo oja ti o ti wa ni dominated nipasẹ kan kekere nọmba ti federally chartered banki ti wa ni tẹle nipa OSFI. Securities, pẹlu crypto iṣowo awọn ojula, ti wa ni ofin provincially nipasẹ awọn Canadian Securities Administrators ati CIRO, nigba ti AML iforukọsilẹ ti owo iṣẹ ile-iṣẹ sisẹ pẹlu FINTRAC ati awọn sisanwo iṣẹ awọn olupese bayi iforukọsilẹ pẹlu Bank of Canada.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes7

Awọn owo-ìwọ̀nÌṣàmúlò-ètò

Àwọn ìṣàmúlò-ètòAAA

Awọn idibo to n bọ15 October 2029

Kanada ko wa lori awọn akojọ FATF (akọsilẹ ti 19 Oṣu Kẹsan 2026), akojọ orilẹ-ede kẹta ti o ga julọ ti EU (Delegated Regulation (EU) 2016/1675 bi a ṣe yipada nipasẹ 2026/83, ni agbara 29 Oṣù Kejìlá 2026) tabi Annex I ti akojọ owo-ori ti EU (awọn imudojuiwọn 17 Oṣù Kejìlá 2026). O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Federal parliamentary constitutional monarchy (Commonwealth realm)
King (àtí Gónnàtó Àgbàyélú Louise Arbour): Charles III · lati Oṣù Kejìlá 2022
Prime Minister: Mark Carney (Liberal Party of Canada)
Àwọn ààyè-iṣẹ́: Liberal Party of Canada (awọn ẹgbẹẹgbẹrun lati Oṣu kọkanla ọdun 2026, lẹhin awọn abẹwo ati awọn idibo)
Awọn idibo to kẹhin: Federal general election, 28 April 2025
Awọn idibo to n bọ: Federal general election, 15 October 2029. fixed date under the Canada Elections Act; can be earlier if Parliament is dissolved
Àwọn Ìṣàmúlò-ètò: Parliament: House of Commons (343 seats) ati Senate (105 seats appointed)
Siséèsì Ìjọba: Àwọn ààyè-iṣẹ́ Ìngẹ̀lì, pẹlú àwọn ààyè-iṣẹ́ ìjánu-ìjọba ni Quebec

Economics and finance

Awọn eniyan: 41.7m (2025)
Ìjánu-ìsún: USD 2.3tn (2025)
GDP fun ẹni kọọkan: USD 55,765 (2025)
Awọn owo-ìwọ̀n: Canadian dollar (CAD), floating
Central Bank of Nigeria: Àwọn Ìṣàfilọ́lẹ̀
Àwọn ìṣàmúlò-ètò: S&P AAA (iduroṣinṣin) · Moody's Aaa (iduroṣinṣin) · Fitch AA+ (iduroṣinṣin) (bi o ti July 2026)

O jẹ orilẹ-ede kan ti o ni agbara pupọ, eto-ọrọ ti o yatọ pupọ ti o ni ibatan to dara si United States, pẹlu agbegbe banki ti o ni igbẹkẹle ti awọn ile-ifowopamọ nla ati Toronto bi aarin owo agbaye pataki.

Àwọn Irinṣẹ́

Àkọ́lé àwòrán

Awọn ohun-ini ti o kere juUSD 3.5m

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Alaga Ipinlẹ Ọṣun

Nibẹ ni o kere ju CAD 5 milionu ti a fi sinu ṣaaju ki o to bẹrẹ iṣowo (Bank Act s. 52(2)), tabi diẹ sii ti minisita ba ṣalaye; OSFI n ronu pe owo-ori to ku lati pade awọn ibatan ibi-afẹde fun igba pipẹ ninu ọdun mẹta akọkọ tabi titi di igba ti o ba jẹ anfani

Àwọn Ìṣẹ́: Bank Act (S.C. 1991, c. 46), incl. s. 52(2) minimum capital
Àwọn Irinṣẹ́: Àwọn àwòrán iṣẹ́ nínú àwọn ìṣàmúlò-ètò àwọn àwòrán iṣẹ́ (OSFI)
Ìfihàn: Ko si. Federal charter gba laaye iṣẹ ni gbogbo Canada; ko si iwọle si awọn ọja miiran.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Àwọn ààyè-iṣẹ́ àti àwọn ìṣàfarawe-ìrò nínú ọdun mẹtà lọ́wọ́lọ́wọ́ tí a fi pamọ́, àwọn ìṣàmúlò-ètò kapitali náà àti àwọn ìṣàfihàn ìdájọ́
Awọn adari ti o tọ ati ti o dara julọ ati awọn aṣofin to gaju pẹlu awọn fọọmu alaye aabo
Awọn oludari ti o le fun igbẹkẹle owo; awọn olori ijọba ajeji kan ko ni ẹtọ
Awọn ile-ifowopamọ ti o wa ni ilu okeere (Schedule II) yẹ ki o ṣafihan itẹsiwaju ti a fọwọsi
Àjọ̀kọ́ àwọn ẹ̀yàn pánẹ́ẹ̀tì nínú odun kan; àwọn tí ń fi owò pamọ́ di ọmọ ẹgbẹ CDIC

Sources(1)

OSFI: Guide for Incorporating Banks and Federally Regulated Trust and Loan Companies · checked 2026-10-07

Àwọn Irinṣẹ́

Àwọn Ìgbà Iṣẹ́

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Gomina fun Iṣẹ-ifowopamọ ati Oludari Gbogbogbo fun Awọn Ile-iṣẹ Iṣowo

Àwọn Ìṣẹ́: Bank Act, Part XII.1
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn banki ajeji gbọdọ wa ni idari ninu ẹjọ ile wọn
A ti kọ́ nípa àgbèkalẹ̀ ìṣàfilọ́lẹ̀ banki orilẹ̀-èdè OSFI, kii ṣe àgbèkalẹ̀ ìdapọ̀

Sources(1)

OSFI: Guide for Incorporating Banks and Federally Regulated Trust and Loan Companies · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Ìṣàmúlò-ètò ìṣàfihàn iṣẹ́

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Bank of Canada (Minisitọ̀ tí n gbọ́wọ́lú ìmọ̀ràn orilẹ-ede)

Àwọn Ìṣẹ́: Retail Payment Activities Act (S.C. 2021, c. 23, s. 177) and Retail Payment Activities Regulations
Àwọn Irinṣẹ́: Igba kan ko si-refundable ohun elo owo ti CAD 2,500 bi 1 November 2024, indexed si CPI kọọkan 1 January; ọdun kan ayẹwo owo lẹhin
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ṣe lo fun PSP̀ pẹlú ààyè-iṣẹ́ nínú Kanada àti fún PSP̀ tí wọ́n jẹ́ ajòrò, tí n gbọ́dọ̀ kọ́lú iṣẹ́ ifowopamọ́ nínú Kanada
Ìṣàmúlò-ètò ààyè-iṣẹ́ àti àwọn àgbékalẹ̀ ìròyìn
Igbàdárà àwọn owó tí a lò (nípa ìṣẹ̀lẹ̀ 8 Oṣù Kejìlá 2025)
Àwọn àkọ́lé ọ̀nà-ọ̀nà fún Bankì Kanada
Awọn ayẹwo aabo orilẹ-ede lati ọdọ minisita owo

Sources(3)

Bank of Canada: Retail payments supervision · checked 2026-10-07
Bank of Canada: Registration application fee · checked 2026-10-07
Bank of Canada: Frequently asked questions about retail payments supervision · checked 2026-10-07

FX broker

Àwọn iṣẹ́ owó

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèÀwọn ìṣàmúlò-ètò tí a fi kọ́ nínú oṣù mẹta lórí; àwọn ààyè-iṣẹ́ to lagbara lè gba igba pipẹ

Awọn Iṣẹ́Àwọn ààyè-iṣẹ́

Àwọn Ìṣẹ́: Proceeds of Crime (Money Laundering) and Terrorist Financing Act, s. 11.1
Àwọn Irinṣẹ́: FINTRAC kò gbá owó ìṣàfilọ́lẹ̀
Ìfihàn: Kò

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Kóó báàkàn-ìṣiró lọ́wọ́lọ́wọ́, fípalẹ́ àtí fípalẹ́ owó, àwọn ìṣẹ̀dá owó àtí ẹ̀yàn-ìrin-ajó, àtí ìsẹ́ nínú àwọn owó kọ́ọ̀kan
Awọn MSBs ti o wa ni ilu okeere ti n ṣakoso ati pese iṣẹ fun awọn alabara ni Canada gbọdọ tun forukọsilẹ
AML/ATF compliance program ati compliance officer
Àwọn ìṣàmúlò-ètò tó yẹ ki o jẹ́ àkóójútó nípa àwọn ìṣàmúlò-ètò tuntun

Sources(1)

FINTRAC: Money services business registration · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Iforukọsilẹ nẹtiwọọki iṣowo crypto (awọn oniṣowo ti o ni idiwọ tabi awọn oniṣowo idoko-owo) pẹlu iyọọda iyọọda

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Aṣàfilọ́lẹ̀ ìdíyelé́ (aṣàfilọ́lẹ̀ akọkọ) àti CIRO; Iforukọsilẹ́ FINTRAC MSB tun nilò fún ibaraẹnisọrọ́ owo-ọ̀fẹ̀

Àwọn Ìṣẹ́: Provincial securities legislation and National Instrument 31-103; CSA Staff Notices 21-332 and 21-333
Ìfihàn: Ko si. Iforukọsilẹ jẹ fun gbogbo ipinlẹ tabi agbegbe labẹ eto iwe irinna fun iforukọsilẹ ni Canada.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìṣàfilọ́lẹ̀ bí agbẹ́jọrò tí a gbọ́dọ̀ kọ́ọ̀kan tabi agbẹ́jọró ìpamọ́, nípa àwọn ìṣẹ̀dá atí àwọn ipò nínú ìyànṣé ìmọ̀ràn
Ìdájọ́ àti ìṣàfarawé àwọn ààyè-ètò kriptò tí a fi pamọ́; kò ní ẹ̀yàn mìíràn tàbí ẹ̀yàn mìíràn mìíràn
Kò ní àwọn ìpamọ́, àwọn ẹ̀yàn tàbí àwọn olórí-ìṣàmúlò-ètò
Awọn ẹ̀yàn crypt tí a kọ́ nínú àwọn ìṣàmúlò-ètò CSA nikan
Ìṣàmúlò-ètò FINTRAC bí MSB tí n gbọ́wọ̀n nínú owó-ìṣiró

Sources(3)

Ontario Securities Commission: Crypto businesses · checked 2026-10-07
CSA Staff Notice 21-332 Crypto Asset Trading Platforms: Pre-Registration Undertakings · checked 2026-10-07
FINTRAC: Money services business registration · checked 2026-10-07

Firma idoko-owo

Ìṣàfilọ́lẹ̀ alábòójútó ààyè-iṣẹ́, alábòójútó (alábòójútó poròtàíọ̀nù) tàbí alábòójútó ìpamọ́ ìpamọ́

Awọn ohun-ini ti o kere juUSD 18k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Awọn aṣoju ijọba ibilẹ ati agbegbe; awọn oniṣowo idoko-owo ati awọn oniṣowo owo ifowopamọ ti o pọju gbọdọ tun jẹ awọn ọmọ ẹgbẹ CIRO

Owo-ori ti o kere ju CAD 25,000 fun agbẹjọro kan, CAD 50,000 fun oniṣowo kan ati CAD 100,000 fun oluṣakoso owo-ifowopamọ idoko-owo (Form 31-103F1); Awọn ọmọ ẹgbẹ CIRO ṣe akiyesi awọn ofin owo-ori CIRO

Àwọn Ìṣẹ́: Provincial securities acts and National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations, Part 12
Ìfihàn: Àwọn Ìṣàmúlò-ètò Páspọ́ẹ̀tì nínú Kanada; kò sí ìwọlé sí ààyè-iṣẹ́ alá-ìlé

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ohun-ini iṣẹ ti a ṣe iṣiro lojoojumọ lori fọọmu 31-103F1
Àjọ́ṣepọ̀ ààyè-iṣẹ́ àti ẹni tí a fi pamọ́
Àwọn ìṣàmúlò-ètò fún àwọn ẹni-kọọkan tí a fi pamọ́
Awọn ẹ̀yàn ìpamọ́ àti ìfilọ́wọ́lú owó

Sources(1)

OSC: Unofficial consolidation, Form 31-103F1 Calculation of Excess Working Capital · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Iforukọsilẹ oluṣakoso ere idaraya kọnputa (Ontario)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Alcohol ati Gaming Commission ti Ontario, pẹlu adehun iṣẹ lati iGaming Ontario

Àwọn Ìṣẹ́: Gaming Control Act, 1992 (Ontario) and O. Reg. 78/12
Àwọn Irinṣẹ́: CAD 100,000 fun aaye ayelujara ere idaraya kan ni ọdun kan; awọn oludije le tun nilo lati san awọn idiyele iwadii ti o tọ
Ìfihàn: Ko si. Ontario nikan; awọn agbegbe miiran n ṣiṣẹ awọn aaye ayelujara ile-iṣẹ lottery wọn.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

AGCO iforukọsilẹ ati ṣiṣe adehun pẹlu iGaming Ontario ṣaaju ki o to lọ si igbesi aye
Ìdáràn nípa àwọn Ìṣàmúlò-ètò Régístràtì fún Ààyè-iṣẹ́ Ayelujara

Sources(2)

AGCO: Internet gaming fees · checked 2026-10-07
AGCO: Roles of the AGCO and iGaming Ontario · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Awọn ile-ẹjọ ti awọn ile-iṣẹ owo-iworo (OSFI) · aaye ayelujaraawọn banki
Awọn Iṣẹ-ifowopamọ ati Akọsilẹ Analytical Centre of Canada (FINTRAC) · aaye ayelujaramsb, awọn oniṣowo owo gidi, aml
Bank of Canada (retail payments supervision) (BoC) · websitePayment service suppliers
Canadian Securities Administrators (provincial and territory securities regulators) (CSA) · websiteInvestment firms, Virtual asset service providers (VASPs)
Awọn Ẹgbẹ Iṣowo Aṣeyọri ti Canada (CIRO) · aṣàfilọ́lẹ̀Awọn ile-iṣẹ ifowopamọ, Awọn olupese iṣẹ́ ohun-ini kọnputa (VASPs)
Alcohol ati Gaming Commission ti Ontario (AGCO) · webuOnline gaming

Banking jẹ federal, nigba ti awọn selifu ati ere ni provincial, nitorinaa ko si awọn selifu orilẹ-ede kan tabi iwe-aṣẹ ere. CSA ti da pada lati gba awọn iṣẹ tuntun ti o wa tẹlẹ lati awọn oju opo wẹẹbu iṣowo crypto ni Oṣu Kẹsan ọdun 2024 ati pe awọn oju opo wẹẹbu tuntun loni n ṣe ilana taara nipasẹ CIRO. Bank of Canada sọ pe o ni awọn ofin tuntun fun awọn stablecoins ati awọn banki ti a gbero; ko si awọn alaye iwe-aṣẹ stablecoin ti a fọwọsi fun faili yii. Ontario nikan n ṣiṣẹ awoṣe lilọsiwaju ṣiṣi fun awọn olupese ere ori ayelujara ti ara ẹni. OSFI ko ṣafihan akoko ipinnu ofin fun awọn ohun elo banki, nitorinaa akoko-ọna jẹ null; akoko-ọna iforukọsilẹ RPAA tun jẹ null nitori Bank of Canada ko sọ ọkan lọpọlọpọ ju akoko atunyẹwo aabo orilẹ-ede lọ. Owo-ori kekere fun awọn oju opo wẹẹbu iṣowo crypto ati awọn ọmọ ẹgbẹ CIRO ko ti rii daju ati pe a fi silẹ null.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Àkóónù

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Òta
Ilu ti o tobi julọ: Toronto
Agbègbè: 9,984,670 km²
Awọn ede Ofin: English, French
Zone Time: UTC-05:00 (UTC-04:00 nínú igba otutu); ààyè-iṣẹ́; orilẹ́ede náà lórí UTC-08:00 sí UTC-03:30

Àwọn àgbéwọlé ìṣàfihàn

Àwọn Ìṣàmúlò-ètò
Awọn ọkọ ayọkẹlẹ
Gbogbo
Àwọn Ìṣàmúlò-ètò
Pẹtalọ́wọ́lẹ̀ tí a wẹ́

Àwọn ìṣàfihàn ààyè-iṣẹ́

United States
China
Àwọn Ìṣàmúlò-ètò
Japan
Mèksiko

Sources for the country information(10)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(13)

FATF public statement relayed by the Department of Internal Affairs (NZ): Jurisdictions under increased monitoring, June 2026 · checked 2026-10-07
Commission Delegated Regulation (EU) 2026/83 amending Delegated Regulation (EU) 2016/1675 · checked 2026-10-07
European Commission: EU updates list of non-cooperative tax jurisdictions (17 February 2026) · checked 2026-10-07
OSFI: Guide for Incorporating Banks and Federally Regulated Trust and Loan Companies · checked 2026-10-07
FINTRAC: Money services business registration · checked 2026-10-07
Bank of Canada: Retail payments supervision · checked 2026-10-07
Bank of Canada: Registration application fee · checked 2026-10-07
Bank of Canada: Frequently asked questions about retail payments supervision · checked 2026-10-07
Ontario Securities Commission: Crypto businesses · checked 2026-10-07
CSA Staff Notice 21-332 Crypto Asset Trading Platforms: Pre-Registration Undertakings · checked 2026-10-07
OSC: Unofficial consolidation, Form 31-103F1 Calculation of Excess Working Capital · checked 2026-10-07
AGCO: Internet gaming fees · checked 2026-10-07
AGCO: Roles of the AGCO and iGaming Ontario · checked 2026-10-07