Ibhange
Izinhlamvu zokubhaliswa kanye nemiyalelo yokuqalisa nokwenza bhizinisi (ibhange leSchedule I noma iSchedule II)
IsikhathiAkukho kushicilelwe IgunyauMnyango Wezezimali (i-letters patent) kanye noNgqongqoshe Wezinhlangano Zezezimali (umthetho) I-CAD 5 million ekhokhwe ngaphambi komthetho wokuqashwa kwebhizinisi (Imithetho yebhange isiq. 52(2)), noma ngaphezulu uma umphathi usho; OSFI ilindele imali engenayo eyanele ukuhlangabezana nenani eligunyaziwe leminyaka emithathu yokuqala noma kuze kube yilapho ithola imali
- Umthetho
- Bank Act (S.C. 1991, c. 46), incl. s. 52(2) minimum capital
- Izindleko
- Izinkokhelo zesevisi ngaphansi kwezinkokhelo zesevisi (OSFI) imithetho; inani lihluka ngokwehlobo lwesicelo
- Ukudluliswa kwepasipoti
- Akukho. Isivumelwano seFederal sivumela ukusebenza eCanada; akukho ukufinyelela kwezinye izimakethe.
Izidingo ezibalulekile- Izinhlelo zebhizinisi ezinamasonto amahlanu angaphansi kwengcindezi, izilinganiso zezimali kanye nokuhlaziywa kokungalindelekile
- Abaqondisi abafanele kanye nabaphathi abaphezulu abanefomu lemininingwane yokuphepha
- Abanikazi abakwazi ukuhlinzeka ngosizo lwezimali oluqhubekayo; abanye abanikazi abaphathelene nezwe langaphandle
- Amabhange angaphandle (iSixhumanisi II) kufanele aveze ukugunyazwa kwe-home regulator
- Umthetho kufanele ulandele izibhengezo ze-patent ngaphakathi konyaka owodwa; labo abafaka imali bazoba amalungu eCDIC
Sources(1)
- OSFI: Guide for Incorporating Banks and Federally Regulated Trust and Loan Companies · checked 2026-10-07
Ibhange
Ibhange eligunyaziwe lezwe elisha (Isiqephu III)
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyauMphathiswa Wezezimali noNgqongqoshe Wezinhlangano Zezezimali - Umthetho
- Bank Act, Part XII.1
- Ukudluliswa kwepasipoti
- Hayi
Izidingo ezibalulekile- Ibhange elingaphandle kumele lilawulwa ezweni layo
- Ilawulwa yi-OSFI foreign bank branching guidance, hhayi i-incorporation guide
Sources(1)
- OSFI: Guide for Incorporating Banks and Federally Regulated Trust and Loan Companies · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)
Ukubhaliswa komthengisi wezinsizakalo zokukhokha
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyaI-Bank of Canada (IMinistry of Finance) - Umthetho
- Retail Payment Activities Act (S.C. 2021, c. 23, s. 177) and Retail Payment Activities Regulations
- Izindleko
- Imali yokufaka isicelo engakabuyiselwa i-CAD 2,500 kusukela ngomhla ka-1 kuNhlangulana 2024, ehlobene ne-CPI ngaso sonke isikhathi ngo-1 kuJanuwari; imali yokuhlolwa konyaka ngemuva kwalokho
- Ukudluliswa kwepasipoti
- Hayi
Izidingo ezibalulekile- Isebenza kuma-PSPs anendawo yomsebenzi eCanada kanye nama-PSPs angaphandle aqondisa imisebenzi yokukhokha okuncane kubasebenzisi abaphezulu eCanada
- Ukulawula ingozi yokusebenza kanye nephrojekthi yokuphendula
- Ukuvikelwa kwezimali zomsebenzisi wesiphelo (kuzosebenza ngomhla ka-8 kuSepthemba 2025)
- Imibiko yonyaka ku-Bank of Canada
- Uphenyo lokuphepha kwezwe nguNgqongqoshe Wezezimali
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
I-FX broker
Ukubhaliswa kwebhizinisi lezinsizakalo zemali
Imali encaneAkukho kushicilelwe IsikhathiIzicelo eziphelele ziqhubekelwa ngaphakathi kwezinyanga ezintathu; izimo ezinzima zingathatha isikhathi eside - Umthetho
- Proceeds of Crime (Money Laundering) and Terrorist Financing Act, s. 11.1
- Izindleko
- I-FINTRAC ayikhokhi imali yobhaliso
- Ukudluliswa kwepasipoti
- Hayi
Izidingo ezibalulekile- Ifaka ukuhweba ngezimali zakwamanye amazwe, ukuthumela noma ukudlulisa imali, ama-oda emali kanye nama-checks okuhambayo, nokuhweba ngemali yedijithali
- Ama-MSB angaphandle ahlinzeka ngezinsizakalo kumaklayenti eCanada kufanele futhi abhalise
- AML/Iphrojekthi yokuhambisana ne-ATF kanye nomphathi wokuhambisana
- Ubhaliso kumele lugcinwe lukhona futhi luvuselelwe
Sources(1)
- FINTRAC: Money services business registration · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ukubhaliswa kwe-crypto asset trading platform (umthengisi olawulwayo noma umhlinzeki wezimali) ngosizo lokuvimbela
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyaI-Fintrac MSB idinga ukubhaliswa futhi ukuze kubhekwe imali yedijithali - Umthetho
- Provincial securities legislation and National Instrument 31-103; CSA Staff Notices 21-332 and 21-333
- Ukudluliswa kwepasipoti
- Akukho. Ukubhaliswa kwenziwa ngesifundazwe noma isifundazwe ngaphansi kwenkqubo yepasipoti yokubhaliswa eCanada.
Izidingo ezibalulekile- Ubhaliso njengomthengisi olawulwayo noma umhwebi wezimali, ngemibandela nemibandela esinqumweni sokubuyiselwa imali
- Ukuvikelwa nokuhlukaniswa kwempahla yekhasimende le-crypto; akukho ukudluliswa noma ukubuyiswa kwemali
- Akukho inzuzo, inkokhelo noma ukuxhaswa kwamakhasimende aseCanada
- Ama-crypto assets (stablecoins) ahlobene nenani kuphela ngaphansi kwezimo ze-CSA
- Ukubhaliswa kweFINTRAC njenge-MSB esebenza ngemali yedijithali
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
Inkampani yokutshala imali
Ukubhaliswa komthengisi wezimali, umcebisi (umphathi we-portfolio) noma umphathi wemali yokutshala imali
IsikhathiAkukho kushicilelwe Igunyaabalawula amasevisi ezimali ezifundazweni nasezindaweni; abahwebi bezitshalomali kanye nabahwebi bezimali zomphakathi kumele babe yilungu le-CIRO Imali engenayo encane i-CAD 25,000 yochwepheshe, i-CAD 50,000 yomthengisi kanye ne-CAD 100,000 yomphathi wezimali zokutshala imali (Ifomu 31-103F1); Amalungu eCIRO alandela imibandela yezimali zeCIRO
- Umthetho
- Provincial securities acts and National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations, Part 12
- Ukudluliswa kwepasipoti
- Inqubo yepasipoti eCanada; akukho ukufinyelela emamakethe angaphandle
Izidingo ezibalulekile- Imali yokusebenza engaphezulu ikhokhwa ngenyanga ngefomu 31-103F1
- Isikhulu esiphezulu sokuhambisana nomuntu ogunyaziwe
- Izidingo zobuhlakani zalabo ababhalisiwe
- Isiqinisekiso kanye nezidingo zokushicilelwa kwezimali
Sources(1)
- OSC: Unofficial consolidation, Form 31-103F1 Calculation of Excess Working Capital · checked 2026-10-07
Umhlinzeki wemidlalo ye-inthanethi
Ukubhaliswa komhlinzeki wemidlalo ye-inthanethi (Ontario)
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyaI-Alcohol neGaming Commission yaseOntario, enesivumelwano sokusebenza se-iGaming Ontario - Umthetho
- Gaming Control Act, 1992 (Ontario) and O. Reg. 78/12
- Izindleko
- i-CAD 100,000 ngendawo yokugembula ngayinye ngonyaka; abafaki isicelo bangase bakhokhe nezindleko zokuphenya ezifanele
- Ukudluliswa kwepasipoti
- Hayi. I-Ontario kuphela; ezinye izifundazwe ziphethe izindawo zabo zenkampani ye-lottery.
Izidingo ezibalulekile- Ubhaliso lwe-AGCO kanye nesivumelwano sokusebenza ne-iGaming Ontario ngaphambi kokuqhubeka nokuphila
- Ukuhambisana nemithetho yeRegistrar yemidlalo ye-Internet
Sources(2)
- AGCO: Internet gaming fees · checked 2026-10-07
- AGCO: Roles of the AGCO and iGaming Ontario · checked 2026-10-07
Ama-Supervisors
Ubani olawula
- I-Ofisi yoMphathiswa Wezinhlangano Zomnotho (OSFI) · iwebhusayithiamabhange
- Isikhungo Sokuphathwa Kwezimali Nokuhlaziywa Kwemibiko yaseCanada (FINTRAC) · iwebhusayithimsb, abahwebi bemali yedijithali, aml
- Ibhange laseKanada (ukulawula ukukhokha okuncane) (BoC) · iwebhusayithiabahlinzeki bezinsizakalo zokukhokha
- I-Canadian Securities Administrators (abaqondisi bezimali zesifunda kanye nezifundazwe) (CSA) · iwebhusayithiIzinkampani zokutshala imali, Abahlinzeki bezinkonzo zezinto ezibonakalayo (VASPs)
- Inhlangano Yokulawula Ukutshala Kwezimali KwaseCanada (CIRO) · iwebhusayithiIzinkampani Zokufaka Imali, Abahlinzeki Bezinsizakalo Zezimpahla Ezibonakalayo (VASPs)
- IKomidi le-Alcohol and Gaming Commission of Ontario (AGCO) · iwebhusayithiukugembula kwe-inthanethi
I-CSA yayeka ukwamukelwa kwezinqumo ezintsha zokubhaliswa kuqala kusuka kumaplatforms wokuhweba kwe-crypto ngoAgasti 2024 futhi ama-platforms amasha manje esebenzisa ngokuqondile i-CIRO. Ibhange laseCanada lisho ukuthi linemiyalo entsha ye-stablecoins kanye ne-banking yomsebenzisi ohamba phambili; akukho lwazi lwelayisense le-stablecoin lwaqinisekiswa ngalolu fayela. Ku-Ontario kuphela okuphatha imodeli yokugunyazwa okuvulekile kwabahlinzeki bemidlalo ye-inthanethi yangaphandle. OSFI ayishicileli isikhathi sokuthatha isigqibo esisemthethweni ngezicelo zebhange, ngakho-ke umkhawulo wesikhathi awukho; umkhawulo wesikhathi wokufaka isicelo se-RPAA nawo awukho ngoba i-Bank of Canada ayisho enye ngaphandle konyaka wesikhathi sokubuyekeza ukuphepha kwamazwe omhlaba. Imali encane yama-crypto trading platforms namalungu e-CIRO ayiqinisekiswanga futhi ishiye i-null.
