Last reviewed: 2 October 2026
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Canadian mortgage regulators by province: a navigation matrix
The short answer: Per our own province guides (an inference, not a statement from the regulators’ pages), Canada has no single national mortgage broker licence or lookup; each province runs its own. This page maps each province and territory to our guide, and re-states regulator details only for Ontario and Alberta: FSRA licenses mortgage brokers, agents, brokerages and administrators in Ontario, and RECA regulates mortgage in Alberta.[1, 2]
Start here to find which of our Canadian guides applies to your province, then use the regulator’s own lookup to check a licence. This is Library content only; it is not a Canadian Register and says nothing about any specific broker or brokerage.
Province and territory matrix
| Province or territory | What the regulator’s own page says | Our guide |
|---|---|---|
| Ontario | FSRA licenses all mortgage brokers, agents, brokerages and administrators, which FSRA calls mandatory for dealing and trading in mortgages in Ontario. Its page lists a public registry of licensees.[1] | Ontario licensing; continuing education |
| Alberta | RECA is Alberta’s real estate regulator and says it sets and enforces professional standards for real estate, mortgage and condominium management. Its site links “RECA ProCheck (Find a Licensee)” and pages on enforcement actions and licensing decisions.[2] | Alberta licensing tiers |
| British Columbia | See our guide for the regulator and lookup tool. | BC Mortgage Services Act transition |
| Quebec | See our guide for the regulator and lookup tool. | Quebec framework |
| Saskatchewan | See our guide for the regulator and lookup tool. | Saskatchewan licensing |
| Manitoba | See our guide for the regulator and lookup tool. | Manitoba licensing |
| New Brunswick | See our guide for the regulator and lookup tool. | New Brunswick licensing |
| Nova Scotia | See our guide for the regulator and lookup tool. | Nova Scotia licensing |
| Newfoundland and Labrador | See our guide for the regulator and lookup tool. | Newfoundland and Labrador licensing |
| Prince Edward Island | See our guide for what applies. | PEI |
| Yukon, Northwest Territories, Nunavut | See our guide for what applies. | The territories |
Topics that apply across provinces
- How to check a Canadian mortgage broker’s license
- How Canadian mortgage broker regulation works
- Does a license work in every province?
- How to file a complaint
- The national Code of Conduct (MBRCC)
- Advertising rules by province
- E&O insurance by province
- Trust account rules
- Referral fee rules
- Conflict-of-interest disclosure
- The FCAC’s federal role
- FINTRAC obligations
How to verify this yourself
Open the regulator’s own site for your province and use its licensee search; for Ontario that is the public registry of licensees on FSRA’s mortgage brokering page, and for Alberta it is RECA ProCheck.[1, 2] Both regulators also publish enforcement actions and consumer notices on their own sites.[1, 2] Our licence-check guide explains the process province by province. FSRA’s page also lists the Mortgage Broker Regulators’ Council of Canada among external resources; see our MBRCC explainer.[1]
Limits and unknowns
Regulator names, licence classes and registries change; for provinces other than Ontario and Alberta this page points to our own guides instead of restating regulator details, so confirm on the regulator’s site. It does not cover US requirements (see our NMLS guide), reverse mortgages, or any individual’s record. See also the Library.
When we update this page
We revise this page, and log the change, when a province changes its regulator or licensing regime, or a reader reports an error we confirm. If something here looks wrong, report an error; we review reports within 5 business days. This page explains rules and names no lender, servicer, originator or brokerage; it does not grade anyone. See how we check and the Register for how we assess individual originators.