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Superintendent of
Ontario Coat of Arms
Surintendant des

REGARDING the Mortgage Brokerages, Lenders and Administrators Act, 2006, S.O. 2006, c.29 (the “Act”), in particular section 39.



On March 12, 2018, the Superintendent of Financial Services (the “Superintendent”) issued a Notice of Proposal to Impose an Administrative Penalty (the “Notice”) against Cristal Brown (“Ms. Brown”) pursuant to subsection 39(2) of the Act.

The Notice was served on Ms. Brown by registered mail and regular mail on March 14, 2018. Ms. Brown had 15 days after receipt of the Notice to request a hearing before the Financial Services Tribunal (the “Tribunal”) in accordance with subsections 39(5) of the Act.

The Registrar of the Tribunal confirmed that, as of April 4, 2018, no request for hearing has been filed by Cristal Brown or anyone on her behalf.

Section 39(7) of the Act provides that the Superintendent may carry out the proposal to impose an administrative penalty when no hearing has been requested.


An Administrative Monetary Penalty in the amount of $2,500 is imposed on Cristal Brown.

TAKE NOTICE THAT Cristal Brown will be receiving shortly an invoice from Ontario Shared Services, a part of the Ministry of Government and Consumer Services, with information as to where and how to make the payment. Ms. Brown must pay the Administrative Monetary Penalty no later than 30 days after the date of the invoice.

If Ms. Brown fails to pay the Administrative Monetary Penalty in accordance with the terms of this Order, the Superintendent may file the Order with the Superior Court of Justice and the Order may be enforced as if it were an order of the court. An Administrative Monetary Penalty that is not paid in accordance with the terms of an order imposing the penalty is a debt due to the Crown and is enforceable as such.

DATED at Toronto, Ontario, April 17, 2018.

Original signed by

Brian Mills
Superintendent of Financial Services

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