Annual Information Returns


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All licensed mortgage brokerages and administrators are required to complete and submit an Annual Information Return (AIR) no later than March 31st of each year (see Ontario Regulation 193/08 - Reporting Requirements for Licensees and section 29 [New Window] of the Mortgage Brokerages, Lenders and Administrators Act, 2006
The AIR is designed to collect information about business practices, internal controls, and market conditions for the previous calendar year. The information is used to assist the regulator in its risk assessment and oversight of mortgage brokerages and administrators. 
Electronic filing (e-filing) of the AIR is mandatory in accordance with the Superintendent's Rule governing the filing of the AIR.
Mortgage brokerages and administrators that fail to submit an AIR via Licensing Link by the March 31st deadline may be required to pay an administrative monetary penalty of $1000. 

2017 AIR Compliance Rate

For the 2017 AIR, 97 per cent of mortgage brokerages and 95.3 per cent of mortgage administrators complied with the requirement to file by March 31, 2018. The remaining 3 per cent of mortgage brokerages and 4.7 per cent of mortgage administrators were subject to enforcement actions.

2017 AIR Summary Results

FSCO reviewed the data collected through the 2017 AIR and compiled a 2017 AIR Summary Results Report. This report provides a snapshot of the mortgage activities conducted by mortgage brokerages and administrators between January 1 and December 31, 2017.  

How to Complete the AIR

Principal brokers and mortgage administrators should visit Licensing Link between mid-January and March 31 of each year to fill out the online form in English.  If a French version of the AIR form is required, please contact the regulator at 1-800-668-0128 (toll-free) or (416) 250-7250.

The regulator enforces the AIR filing requirement. All brokerages and administrators are required to complete the AIR by the deadline. Non-compliance increases the regulator’s regulatory costs and impacts the fees that all licensees pay. 

Helpful Resources

Prior to filing the AIR, principal brokers and administrators are encouraged to review the following resources:

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