Compliance automation, starting with FINTRAC.
FinFile is designed to give firm owners, management, and compliance leaders clearer visibility across the business while helping mortgage brokers and real-estate agents find and resolve file-level evidence gaps today — the first workflows in a broader compliance automation platform. Authorized professionals remain responsible for every decision.
FINTRAC administrative monetary penalties can be significant. Enforcement exposure can apply to firms and, depending on the applicable legal role and obligations, individual reporting professionals. Actual penalties depend on the violation, applicable law, and transaction-specific factors.
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Real Administrative Monetary Penalties (AMPs)
FINTRAC is conducting rigorous on-site compliance examinations across Canada. Here is what non-compliance costs Canadian brokerages today.
VIP Realty Inc.
VIP Realty Inc., also operating as Royal LePage Integrity Realty Inc., a real estate brokerage based in Ottawa, Ontario, with locations in Cornwall, Kanata, and Orleans, was imposed an administrative monetary penalty of $33,000 on December 1, 2025, for committing 1 violation. VIP Realty Inc. has paid the administrative monetary penalty in full and the case is closed.
RE/MAX Twin City Realty Inc.
RE/MAX Twin City Realty Inc., also operating as Twin City Realty Inc., a real estate brokerage located in Kitchener, Ontario, with branches in Brantford, Cambridge, New Hamburg, Paris and Waterloo, was imposed an administrative monetary penalty of $24,750 on February 4, 2026, for committing 1 violation. The administrative monetary penalty has been paid in full and the case is closed.
Manor Windsor Realty Ltd.
Manor Windsor Realty Ltd., a real estate brokerage in Windsor, Ontario, was imposed an administrative monetary penalty of $107,250 on November 27, 2025, for committing 4 violations. Manor Windsor Realty Ltd. has appealed the decision to the Federal Court.
3-Minute AML Readiness Assessment
Benchmark your firm against the 5 core pillars examined by FINTRAC inspectors. Get your customized Readiness Score instantly.
How does your brokerage verify client identities for non-face-to-face transactions?
FINTRAC rules require either in-person original photo ID verification or an approved digital Dual-Process check.
Designed for Every Stakeholder
Compliance works when it’s fast for brokers, authoritative for compliance officers, and defensible for regulatory auditors.
Zero Busywork. Instant Gap Detection.
Brokers drag-and-drop contracts and bank records. FinFile immediately evaluates against FINTRAC KYC and source-of-funds rules, pointing out what’s missing before closing day so deals don’t stall.
- Real-time completeness score
- Document adjustments with quick explanatory notes
- 1-click send to compliance officer
Meet Finn: Your Compliance Assistant
Friendly guidance and instant answers for Canadian FINTRAC requirements.
Finn scans deal files against Canadian compliance guidelines in real time. Instead of confusing technical jargon, Finn highlights the exact spots in documents that need attention and explains clearly how to resolve them.
Finn is an assistant, not an automated decider. You and your compliance officer always have the final say on every detail and approval.
Instant Rule Checking
Automated compliance scoring built directly on Canadian FINTRAC requirements without guesswork.
Two-Person Review
Clear separation of duties between deal preparation by brokers and final sign-off by compliance officers.
Document Adjustments with Notes
Any change made to document data includes a clear note for full audit accountability.
7-Year Audit Packages
Complete, organized compliance packages ready to export and print whenever FINTRAC audits.