In an effort to soften the potential effect of an eventual rise in interest rates and slow the increase in household debt, Canada has tightened residential mortgage-lending rules and imposed additional disclosure rules applicable to federally regulated mortgage lenders. Canada has also tightened the criteria for participation in guaranteed mortgage-backed securities. These stricter requirements have further complicated the already complex rules impacting the financial services industry, especially mortgage lenders, brokers and administrators.

Blakes is recognized as having Canada's pre-eminent financial services practice, including the largest and most active financial services regulatory practice in the country. Leading financial institutions, mortgage lenders, administrators and brokers, loan originators and buyers, consumer finance companies, and parties involved in mortgage securitization programs retain us for guidance in respect of their residential mortgage businesses.

We often advise on documents and procedures for residential mortgages, home equity lines of credit (HELOCs), insurance-backed mortgage requirements, mortgage prepayment rules, insurance and underwriting practices and procedures, as well as portfolio acquisitions, management and sales, mortgage-backed securities and a host of other matters related to residential mortgages. Clients regularly engage us to advise on related issues including consumer credit, data protection and security, privacy, disclosure and consent requirements, language requirements, consumer protection, e-commerce and anti-money laundering issues. Additionally, they seek our advice on the regulatory restrictions impacting their consumer mortgage products, marketing and advertising campaigns, and their business operations, commercial contracts and growth strategies.

Blakes lawyers are frequently called upon to review, draft and update client policies and processes, assure compliance with laws, regulations and codes of conduct and assist clients with compliance in connection with developing and modernizing their residential mortgage products and practices. We advise on federal-provincial jurisdictional issues and the complex issues associated with dual regulation of this business. We assist our clients on their dealings with regulatory agencies and industry associations, including the Office of the Superintendent of Financial Institutions (OSFI), the Financial Consumer Agency of Canada (FCAC), the Financial Transactions Reports Analysis Centre of Canada (FINTRAC) and applicable provincial regulators.



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Associate | Toronto
Toronto: 416-863-3337
Areas of Expertise: Financial Services Regulatory, Aviation & Aerospace, Banking, Consumer/Retail Financial Services, Insurance, Reinsurance, Payments, Residential Mortgage Business, Debt Finance & Lending
Partner | Toronto
Toronto: 416-863-2654
Areas of Expertise: Capital Markets, Financial Services, Corporate & Commercial, Equity Capital Markets, Debt Capital Finance, Mergers & Acquisitions
Associate | Montréal
Montréal: 514-982-5035
Areas of Expertise: Financial Services, Renewables (Wind, Solar, Hydro, & CleanTeach), Oil & Gas, Africa
Associate | Montréal
Montréal: 514-982-4093
Areas of Expertise: Debt Finance & Lending, Project Finance, Real Estate Financing, Banking, Asset-Based Finance
Partner | Montréal
Montréal: 514-982-4025
Areas of Expertise: Energy, Banking, Commercial Real Estate, Financial Services, Construction, Infrastructure, Oil & Gas, Pension Funds Investment, Plan Nord, Debt Capital Finance, Structured Finance, Major Projects, Downstream & Marketing, Mergers, Acquisitions, & Divestitures, Hotel Finance
Partner | Toronto
Toronto: 416-863-4284
Areas of Expertise: Financial Services Regulatory, Insurance, Mergers & Acquisitions, Investment Products & Asset Management, Banking, Consumer/Retail Financial Services, Payments, Residential Mortgage Business, Reinsurance, Financial Services, Pension Funds Investment, Investment Funds, Investment Vehicles, Government & Public Sectors, FinTech, Credit Unions
Counsel | Toronto
Toronto: 416-863-3858
Areas of Expertise: Financial Services Regulatory, Anti-Money Laundering, Consumer/Retail Financial Services, Banking, Financial Services, Consumer Protection, FinTech, Cannabis
Partner | Toronto
Toronto: 416-863-3250
Areas of Expertise: Financial Services, Banking, Project Finance
Partner | Vancouver
Vancouver: 604-631-4247
Areas of Expertise: Financial Services, Real Estate Financing, Structured Finance, Banking, Debt Finance & Lending, Asset-Based Finance, Equipment Financing/Leasing, Project Finance
Partner | Calgary
Calgary: 403-260-9697
Areas of Expertise: Restructuring & Insolvency, Corporate Litigation, Corporate & Commercial, Oil & Gas, Financial Services, Banking, Energy
Partner | Montréal
Montréal: 514-982-4061
Areas of Expertise: Infrastructure, Mergers & Acquisitions, Private Equity, Energy, Corporate & Commercial, Commercial Real Estate, Plan Nord, Construction, Mining, Pension Funds Investment, Investment Funds, Investment Vehicles, Mining Lending, Mining Streaming & Royalties, Credit Unions
Articling Student | Vancouver
Vancouver: 604-631-5233
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-3866
Areas of Expertise: Equipment Financing/Leasing, Asset-Based Finance, Project Finance, Structured Finance, Aviation & Aerospace, Banking, Debt Finance & Lending, Automotive
Partner | Toronto
Toronto: 416-863-3261
Areas of Expertise: Financial Services, Restructuring & Insolvency, Litigation & Dispute Resolution
Associate | Toronto
Toronto: 416-863-4197
Areas of Expertise: Financial Services, Financial Services Regulatory, Banking, Hotel Finance, Debt Finance & Lending, Residential Mortgage Business, Structured Finance
Partner | Calgary
Calgary: 403-260-9659
Areas of Expertise: Corporate & Commercial, Financial Services, Banking
Partner | Toronto
Toronto: 416-863-2594
Areas of Expertise: Restructuring & Insolvency, Financial Services, Corporate & Commercial, Financial Services, Mining, Mergers & Acquisitions
Associate | Toronto
Toronto: 416-863-2283
Areas of Expertise: Financial Services, Debt Finance & Lending, Asset-Based Finance
Partner | Toronto
Toronto: 416-863-3860
Areas of Expertise: Commercial Real Estate, Restructuring & Insolvency, Hospitality & Leisure, Real Estate Financing, Europe, Pension Funds Investment, Investment Funds, Investment Vehicles, Hotel Finance
Associate | Montréal
Montréal: 514-982-5047
Areas of Expertise: Financial Services, Debt Finance & Lending, Project Finance, Asset-Based Finance, Banking, Renewables (Wind, Solar, Hydro, & CleanTeach)
Counsel | Montréal
Montréal: 514-982-4017
Areas of Expertise: Financial Services Regulatory, Consumer/Retail Financial Services, Residential Mortgage Business, Payments, Marketing & Health Regulatory, Banking, Insurance, Reinsurance, Lobbying, Financial Services, FinTech, Consumer Protection
Partner | Toronto
Toronto: 416-863-4160
Areas of Expertise: Infrastructure, Project Finance, Financial Services, Banking, Construction, Energy, Debt Capital Finance, Power, Public-Private Partnerships
Partner | Toronto
Toronto: 416-863-2492
Areas of Expertise: Mergers & Acquisitions, Corporate & Commercial, Financial Services Regulatory, Financial Services, Life Sciences, Private Equity, Emerging Companies & Venture Capital, Technology, Mining, Insurance, Pension Funds Investment
Law Clerk | Toronto
Toronto: 416-863-2773
Areas of Expertise: Financial Services
Partner | Toronto
Toronto: 416-863-4021
Areas of Expertise: Information Technology, Outsourcing, Corporate & Commercial, Cybersecurity, Financial Services, IP Licensing & Agreements, FinTech, Banking, Insurance, Power, Technology, Mergers & Acquisitions, Credit Unions
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