File FSCO's 2015 Annual Information Return (AIR) Today!

Immediate action is required

Log into Licensing Link to access the online form in English. If you require the form in French, please contact FSCO at 1-800-668-0128 (toll-free) or (416) 250-7250.

Online resources are available to help you with your filing: the 2015 AIR Questions for Mortgage Brokerages and the Frequently Asked Questions on the AIR.

Even if the brokerage did not do any business in 2015, it is still required by law to file the 2015 AIR. 

If the mortgage brokerage did not do any business in 2015 and does not have any plans to continue mortgage brokering activity, you can apply to surrender the mortgage brokerage's licence, subject to the Superintendent's approval. For more information, please contact FSCO by email at

The 2015 AIR must be submitted by March 31, 2016

Mortgage brokerages that fail to submit the AIR by March 31, 2016 may be required to pay an administrative monetary penalty of $1,000.  Non-compliance increases FSCO's regulatory costs and impacts the fees you pay.

Filing the AIR is a mandatory legal requirement

As the principal broker, you are responsible for ensuring that your mortgage brokerage completes and submits the required AIR no later than March 31st each year. This annual reporting requirement is mandatory for all licensed mortgage brokerages under Ontario Regulation 193/08 - Reporting Requirements for Licensees [New Window] and section 29 of the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) [New Window].

The AIR is designed to collect information from mortgage brokerages about their business practices, internal controls and market conditions in the previous year. The information is used to assist FSCO in its risk assessment and oversight of mortgage brokerages. The reporting period is January 1 to December 31, 2015.

Electronic filing (e-filing) of the AIR is mandatory in accordance with the Superintendent's Rule governing the filing of the AIR.

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