Provincial Licenses

regulator:
  name: "BC Financial Services Authority"
  website: "https://www.bcfsa.ca"
  contact: "604-660-3555"
  email: "info@bcfsa.ca"
 
licensing_requirements:
  credit_services:
    applicable: true
    legislation: "Business Practices and Consumer Protection Act"
    license_type: "Credit Services License"
 
    triggers:
      - "Providing credit reports"
      - "Credit counselling services"
      - "Debt pooling or consolidation"
      - "Credit repair services"
 
    exemptions:
      - "Pure data aggregation"
      - "Financial education only"
      - "No credit arrangement facilitation"
 
  money_services:
    applicable: false
    reason: "Not handling client funds"
 
  mortgage_broker:
    applicable: false
    reason: "Not arranging mortgages"

interface BCLicenseApplication {
  requirements: {
    corporate: {
      bcRegistration: 'Required'
      registeredOffice: 'BC address required'
      extraProvincialRegistration: 'If incorporated elsewhere'
    }
 
    financial: {
      securityBond: 50000  // CAD
      financialStatements: 'Audited preferred'
      businessPlan: 'Required'
      projections: '3 years'
    }
 
    personnel: {
      criminelRecordChecks: 'All directors and officers'
      competencyRequirements: 'Industry experience'
      designatedIndividual: 'BC resident required'
    }
 
    operational: {
      trustAccount: 'If handling client funds'
      complaintsProcess: 'Documented procedure'
      privacyPolicy: 'PIPA compliant'
      businessPremises: 'Physical location in BC'
    }
  }
 
  timeline: {
    processing: '6-8 weeks'
    renewal: 'Annual'
    reportingFrequency: 'Annual'
  }
 
  costs: {
    applicationFee: 500
    annualFee: 1500
    securityBond: 50000
  }
}

ongoing_compliance:
  record_keeping:
    - Client agreements
    - Transaction records
    - Complaint register
    - Trust account records
    retention: "7 years"
 
  reporting:
    annual_report:
      deadline: "Within 90 days of fiscal year end"
      contents:
        - Financial statements
        - Business activities summary
        - Complaint statistics
        - Material changes
 
    change_notifications:
      - Directors/officers changes
      - Business address changes
      - Control changes
      - Material business changes
      timeline: "Within 10 days"
 
  consumer_protection:
    disclosures:
      - Service fees
      - Cancellation rights
      - Complaint process
      - Privacy policy
 
    prohibited_practices:
      - Misleading representations
      - Unconscionable acts
      - Tied selling
      - Unfair practices

regulator:
  name: "Alberta Financial and Insurance Regulator"
  website: "https://www.abfir.ca"
  contact: "780-427-8322"
  email: "info@abfir.ca"
 
licensing_requirements:
  designated_business:
    applicable: "Potentially"
    legislation: "Consumer Protection Act"
    license_type: "Designated Business License"
 
    triggers:
      - "Credit repair services"
      - "Debt repayment services"
      - "Credit counselling (for fee)"
 
    exemptions:
      - "Information services only"
      - "No debt management"
      - "No credit repair claims"
 
  loan_broker:
    applicable: false
    reason: "Not arranging loans"

interface AlbertaLicenseApplication {
  requirements: {
    corporate: {
      albertaRegistration: 'Extra-provincial or Alberta corp'
      registeredOffice: 'Alberta address'
      businessLicense: 'Municipal license required'
    }
 
    financial: {
      securityDeposit: 25000  // CAD minimum
      financialStatements: 'Recent statements'
      insuranceRequirements: {
        generalLiability: 2000000
        errorsOmissions: 1000000
      }
    }
 
    personnel: {
      designatedManager: 'Alberta resident'
      trainingRequirements: 'Industry knowledge'
      backgroundChecks: 'All key personnel'
    }
  }
 
  process: {
    steps: [
      'Pre-application consultation',
      'Submit application',
      'Background investigations',
      'Compliance review',
      'License issuance'
    ]
    timeline: '4-6 weeks'
  }
 
  costs: {
    applicationFee: 750
    annualLicense: 2000
    securityDeposit: 25000
  }
}

regulator:
  name: "Financial and Consumer Affairs Authority"
  website: "https://www.fcaa.gov.sk.ca"
  contact: "306-787-5645"
 
licensing_requirements:
  credit_reporting:
    applicable: "Review required"
    legislation: "Credit Reporting Act"
    considerations:
      - "Data aggregation may not require license"
      - "Credit scoring may require registration"
 
  consumer_protection:
    legislation: "Consumer Protection Act"
    registration: "May be required for certain services"

regulator:
  name: "Manitoba Financial Services Agency"
  website: "https://mbfinancial.ca"
  contact: "204-945-2542"
 
licensing_requirements:
  credit_services:
    applicable: "Case-by-case"
    legislation: "Consumer Protection Act"
    review_factors:
      - Service offerings
      - Fee structure
      - Marketing claims
      - Consumer interaction

regulator:
  name: "Financial Services Regulatory Authority of Ontario"
  website: "https://www.fsrao.ca"
  contact: "416-250-7250"
  email: "contactcentre@fsrao.ca"
 
licensing_requirements:
  mortgage_brokering:
    applicable: false
    reason: "Not arranging mortgages"
 
  credit_unions:
    applicable: false
    reason: "Not a deposit-taking institution"
 
  loan_and_trust:
    applicable: false
    reason: "Not providing loans or trust services"
 
  collection_agency:
    applicable: false
    reason: "Not collecting debts"

interface OntarioCompliance {
  consumerProtection: {
    legislation: 'Consumer Protection Act, 2002'
    requirements: {
      contracts: {
        writtenAgreements: 'Required for services > $50'
        coolingOffPeriod: '10 days for certain services'
        disclosures: [
          'Total cost',
          'Payment terms',
          'Cancellation rights',
          'Service description'
        ]
      }
 
      prohibitions: [
        'Unfair practices',
        'False representations',
        'Unconscionable representations',
        'Renegotiation of agreements'
      ]
 
      advertising: {
        truthfulness: 'All claims must be substantiated'
        clarity: 'Clear and comprehensible'
        disclosures: 'Material terms disclosed'
      }
    }
  }
 
  privacy: {
    legislation: 'Personal Information Protection and Electronic Documents Act'
    requirements: [
      'Privacy policy',
      'Consent for collection',
      'Purpose limitation',
      'Data security'
    ]
  }
}

regulator:
  name: "Autorité des marchés financiers"
  website: "https://lautorite.qc.ca"
  contact: "1-877-525-0337"
  email: "information@lautorite.qc.ca"
 
licensing_requirements:
  money_services:
    applicable: "If offering payment services"
    legislation: "Money-Services Businesses Act"
    license: "Money-services business license"
 
    triggers:
      - "Currency exchange"
      - "Funds transfer"
      - "Check cashing"
      - "Issuing/redeeming payment instruments"
 
  credit_assessment:
    applicable: "Potentially"
    legislation: "Act respecting the distribution of financial products and services"
    review_required: "Case-by-case basis"
 
  consumer_credit:
    legislation: "Consumer Protection Act"
    permits_required:
      - "If extending credit"
      - "If credit brokering"

interface QuebecLanguageCompliance {
  charter: 'Charter of the French Language (Bill 101)'
 
  requirements: {
    documentation: {
      contracts: 'Must be in French'
      customerCommunications: 'French required'
      website: 'French version mandatory'
      advertising: 'French predominant'
    }
 
    exceptions: {
      expressRequest: 'Customer can request English'
      documentation: 'Must still provide French'
    }
 
    enforcement: {
      agency: 'Office québécois de la langue française'
      penalties: 'Up to $20,000 per violation'
    }
  }
 
  implementation: {
    priority: 'High - before Quebec launch'
    timeline: 'Complete French translation required'
    resources: [
      'Certified translators',
      'Legal review in French',
      'Bilingual customer service'
    ]
  }
}

regulator:
  name: "Nova Scotia Securities Commission"
  website: "https://nssc.novascotia.ca"
  contact: "902-424-7768"
 
requirements:
  credit_services:
    legislation: "Consumer Protection Act"
    licensing: "Review required based on services"
 
  collection_agency:
    applicable: false
    reason: "Not collecting debts"

regulator:
  name: "Financial and Consumer Services Commission"
  website: "https://www.fcnb.ca"
  contact: "1-866-933-2222"
 
requirements:
  consumer_credit:
    legislation: "Cost of Credit Disclosure Act"
    compliance: "Disclosure requirements if extending credit"
 
  collection_agency:
    applicable: false
    reason: "Not collecting debts"

regulator:
  name: "Office of the Superintendent of Insurance"
  contact: "902-368-4550"
 
requirements:
  consumer_protection:
    legislation: "Business Practices Act"
    registration: "May be required"
    review: "Case-by-case basis"

regulator:
  name: "Digital Government and Service NL"
  website: "https://www.gov.nl.ca/dgsnl/"
  contact: "709-729-2946"
 
requirements:
  consumer_protection:
    legislation: "Consumer Protection and Business Practices Act"
    licensing: "Review required"
    factors:
      - Service type
      - Consumer interaction
      - Fee structure

territories:
  northwest_territories:
    regulator: "Department of Municipal and Community Affairs"
    legislation: "Consumer Protection Act"
    licensing: "Business license required"
 
  yukon:
    regulator: "Department of Community Services"
    legislation: "Consumers Protection Act"
    requirements: "Business registration"
 
  nunavut:
    regulator: "Department of Community and Government Services"
    requirements: "Business license"

interface PassportSystem {
  overview: {
    purpose: 'Simplified multi-provincial licensing'
    availability: 'Limited for certain sectors'
    coordination: 'Through Canadian Securities Administrators'
  }
 
  applicability: {
    securities: 'Yes - through CSA'
    insurance: 'Yes - through CCIR'
    creditServices: 'No - individual provincial licenses'
    moneyServices: 'No - individual requirements'
  }
 
  strategy: {
    primaryJurisdiction: 'Establish in one province first'
    expansion: 'Sequential provincial applications'
    harmonization: 'Leverage similar requirements'
  }
}

class LicenseTracker {
  provinces = {
    BC: {
      status: 'Not Started',
      regulator: 'BCFSA',
      licenseType: 'Credit Services',
      priority: 'High',
      estimatedTimeline: '6-8 weeks',
      requirements: {
        application: false,
        financials: false,
        securityBond: false,
        backgroundChecks: false,
        businessPlan: false
      }
    },
 
    AB: {
      status: 'Not Started',
      regulator: 'ABFIR',
      licenseType: 'Designated Business',
      priority: 'High',
      estimatedTimeline: '4-6 weeks',
      requirements: {
        application: false,
        financials: false,
        securityDeposit: false,
        insurance: false,
        backgroundChecks: false
      }
    },
 
    ON: {
      status: 'Analysis',
      regulator: 'FSRA',
      licenseType: 'None Required',
      priority: 'High',
      notes: 'Consumer Protection Act compliance only'
    },
 
    QC: {
      status: 'Not Started',
      regulator: 'AMF',
      licenseType: 'TBD',
      priority: 'Medium',
      specialRequirements: ['French language compliance'],
      estimatedTimeline: '8-12 weeks'
    }
  }
 
  getTotalCosts(): CostSummary {
    return {
      applicationFees: 3500,
      annualFees: 8500,
      securityDeposits: 75000,
      insurance: 3000000,
      legalFees: 25000,  // Estimated
      translationFees: 15000  // Quebec
    }
  }
 
  getTimeline(): Timeline {
    return {
      phase1: '3 months',  // ON, BC, AB
      phase2: '6 months',  // QC, MB, SK
      phase3: '9 months',  // Atlantic & Territories
      total: '9-12 months for full coverage'
    }
  }
}

material_changes:
  notify_immediately:
    - Control changes
    - Cease operations
    - Bankruptcy/insolvency
    - Criminal charges
 
  notify_within_10_days:
    - Director/officer changes
    - Address changes
    - Business model changes
    - Name changes
 
  notify_within_30_days:
    - Policy changes
    - System changes
    - Partnership changes
    - Service modifications

interface ProvincialRiskAssessment {
  high_risk: {
    provinces: ['QC', 'BC'],
    factors: [
      'Complex regulatory requirements',
      'Active enforcement',
      'High penalties',
      'Language requirements (QC)'
    ]
  }
 
  medium_risk: {
    provinces: ['AB', 'MB', 'SK'],
    factors: [
      'Moderate regulatory framework',
      'Standard enforcement',
      'Clear requirements'
    ]
  }
 
  low_risk: {
    provinces: ['ON', 'Atlantic provinces', 'Territories'],
    factors: [
      'Limited licensing requirements',
      'Consumer protection focus',
      'Complaint-driven enforcement'
    ]
  }
}

total_estimated_costs:
  year_1:
    application_fees: $10,000
    legal_fees: $50,000
    security_deposits: $75,000
    insurance: $30,000
    translation: $15,000
    consulting: $25,000
    total: $205,000
 
  annual_ongoing:
    license_renewals: $15,000
    reporting_costs: $10,000
    compliance_monitoring: $20,000
    legal_updates: $10,000
    total: $55,000