Fintech in Canada Q1 2024

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Huot || Sarah Huot|/HuotSarah", "Andy Hur |/HurAndy", "Dominique T. Hussey ||Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Dominique Hussey|/HusseyDominique", "Elizabeth Hyndman |/HyndmanElizabeth", "Natalia E. Iamundo || Natalia Iamundo|/IamundoNatalia", "Kristos J. Iatridis || Kristos Iatridis|/IatridisKristos", "Martin Ignasiak KC|/IgnasiakMartin", "Laura Inglis |/InglisLaura", "Ilan Ishai |/IshaiIlan", "Nyrie Israelian |/IsraelianNyrie", "Biancha Jacob-Okorn |/JacobOkornBiancha", "Laura James |/JamesLaura", "Mahnaz Jan Ali |/JanAliMahnaz", "Andrew L. Jeanrie || Andrew Jeanrie|/JeanrieAndrew", "Greg M. Johnson || Greg Johnson|/JohnsonGreg", "Hannah Johnston |/JohnstonHannah", "Beth L. Jonah || Beth Jonah|/JonahBeth", "Samuel Judson |/JudsonSamuel", "Flutra Kacuri |/KacuriFlutra", "Lisa Kakoske ||Lisa Andrews|/KakoskeLisa", "Adam Kalbfleisch |/KalbfleischAdam", "Varun Kapoor |/KapoorVarun", "Sarah Karim |/KarimSarah", "Jaspreet Kaur |/KaurJaspreet", "Navdeep Kaur |/KaurNavdeep", "Fatima Kawar |/KawarFatima", "Mehak Kawatra |/KawatraMehak", "Timothy Ke |/KeTimothy", "Bryan E. Kelling || Bryan Kelling|/KellingBryan", "Claire M.C. Kennedy || Claire Kennedy|/KennedyClaire", "Jessica Kennedy |/KennedyJessica", "Sam Kennedy |/KennedySam", "Hon. Jason Kenney PC, ECA|/KenneyJason", "Jeffrey Kerbel |/KerbelJeffrey", "Emily P. Kettel ||Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Emily Kettel|/KettelEmily", "Kaamil Khalfan |/KhalfanKaamil", "Kristin Kightley |/KightleyKristin", "Barbara J. Kimmitt KC|| Barbara Kimmitt|/KimmittBarbara", "Craig M. Kinsman || Craig Kinsman|/KinsmanCraig", "Vanessa Kiraly |/KiralyVanessa", "Katherine Klein |/KleinKatherine", "Lorraine J. Klemens || Lorraine Klemens|/KlemensLorraine", "Ania Konikowski |/KonikowskiAnia", "Joshua Koop |/KoopJoshua", "Kateryna Korneliuk |/KorneliukKateryna", "Mark P. Kortbeek || Mark Kortbeek|/KortbeekMark", "Bosa Kosoric |/KosoricBosa", "Shannon Kovacs |/KovacsShannon", "Brent W. Kraus || Brent Kraus|/KrausBrent", "Victoria Kriviak |/KriviakVictoria", "Edwin G. Kroft KC||Ed Edwin Kroft|/KroftEd", "Russell J. Kruger || Russell Kruger|/KrugerRussell", "Hennadiy Kutsenko |/KutsenkoHennadiy", "Natasha O.Q. Laffin || Natasha Laffin|/LaffinNatasha", "Mathieu J. LaFleche || Mathieu LaFleche|/LaFlecheMathieu", "Mia Laity |/LaityMia", "Justin R. Lambert || Justin Lambert|/LambertJustin", "Breanna Landry |/Landrybreanna", "Eunize Lao |/LaoEunize", "Kolding Larson |/LarsonKolding", "Thomas Laur |/LaurThomas", "Yohanna Laurensia |/LaurensiaYohanna", "Chandler Lauzon |/LauzonChandler", "Brianne Lawless |/LawlessBrianne", "John Lawless |/LawlessJohn", "Kim Lawton |/LawtonKim", "Logan Lazurko |/LazurkoLogan", "Isabelle Lee |/LeeIsabelle", "Larissa D. Lees || Larissa Lees|/LeesLarissa", "Kalkidan Legesse |/LegesseKalkidan", "Darcy Legros |/LegrosDarcy", "Anna Lekach |/LekachAnna", "Rayna S. Lew || Rayna Lew|/LewRayna", "Mark V. Lewis || Mark Lewis|/LewisMark", "Kwang Lim |/LimKwang", "David W. Little || David Little|/LittleDavid", "Mercy Liu |/LiuMercy", "Zifei (Sophia) Liu || Zifei Liu|/LiuZifei", "Hayden Logan |/LoganHayden", "Oliver Loxley |/LoxleyOliver", "Samantha Lush |/LushSamantha", "David J. Macaulay || David Macaulay|/MacaulayDavid", "Maxine Macdonald |/MacdonaldMaxine", "Thomas Machell |/MachellThomas", "Troy Mack |/MackTroy", "Ciara J. Mackey || Ciara Mackey|/MackeyCiara", "Jared A. Mackey || Jared Mackey|/MackeyJared", "Christy MacKinnon |/MacKinnonChristy", "Hugh L. MacKinnon KC|| Hugh MacKinnon|/MacKinnonHugh", "Xaverie (Xav) MacLennan || Xaverie MacLennan|/MacLennanXaverie", "Karen MacMillan |/MacMillanKaren", "Patrick T. Maguire KC||pat maguire Patrick Maguire|/MaguirePatrickT", "Zaafar Mahmood |/MahmoodZaafar", "Steven L. Major KC|| Steven Major|/MajorSteven", "Jacob Mandrusiak |/MandrusiakJacob", "Hon. John P. Manley P.C., O.C.|| John Manley|/ManleyJohn", "S. Paul Mantini || S. Mantini|/MantiniPaul", "Philip Marshall |/MarshallPhilip", "Allyson Marta |/MartaAllyson", "Scott Martyn |/MartynScott", "Jesslyn G. Maurier || Jesslyn Maurier|/MaurierJesslyn", "Tyler B. McAuley || Tyler McAuley|/McAuleyTyler", "James T. McClary || James McClary|/McClaryJames", "Gillian McCormack |/McCormackGillian", "Jonathan McCullough |/McCulloughJonathan", "Sam McDonald |/McDonaldSam", "Tyler McDonough |/McDonoughTyler", "Jonathan McKay |/McKayJonathan", "Christopher S. McKenna || Christopher McKenna|/McKennaChristopher", "Gordon McKenna |/McKennaGordon", "David R. McKinnon ||Dave, Dave McKinnon David McKinnon|/McKinnonDavid", "Amanda C. McLachlan || Amanda McLachlan|/McLachlanAmanda", "Louise McLean |/McLeanLouise", "Duncan McPherson |/McPhersonDuncan", "Michael N. Melanson || Michael Melanson|/MelansonMichael", "E. Bruce Mellett || E. Mellett|/MellettEBruce", "Lina Mercier |/MercierLina", "Monique Mercier Ad. E.|/MercierMonique", "John M. Mercury || John Mercury|/MercuryJohn", "Andrei Mesesan |/MesesanAndrei", "Kelsey J. Meyer || Kelsey Meyer|/MeyerKelsey", "Ian C. Michael || Ian Michael|/MichaelIan", "Jesse Mighton |/MightonJesse", "Gavin A. Millan || Gavin Millan|/MillanGavin", "Jennifer A. Miller KC|| Jennifer Miller|/MillerJennifer", "Benjamin Mintzberg |/People/M/Mintzberg-Benjamin", "Linda Misetich Dann |/MisetichDannLinda", "Tamara Mitterer |/MittererTamara", "Darcy D. Moch KC|| Darcy Moch|/MochDarcy", "Munaf Mohamed KC|/MohamedMunaf", "James G. Morand ||Jim James Morand|/MorandJames", "Luke Morrison ||Luke, Luke Morrison|/MorrisonLuke", "Shelby Morrison |/MorrisonShelby", "Daniel L. Morrow || Daniel Morrow|/MorrowDaniel", "Sacha Mullen |/MullenSacha", "Jessica Munro |/MunroJessica", "Shawn M. Munro || Shawn Munro|/MunroShawn", "Valerie Munro |/MunroValerie", "Tim Myers |/MyersTim", "Michael D. Mysak || Michael Mysak|/MysakMichael", "Kevin Myson |/MysonKevin", "Daron K. Naffin || Daron Naffin|/NaffinDaron", "Ali J. Naushahi || Ali Naushahi|/NaushahiAli", "Aiden C.R. Nelms || Aiden Nelms|/NelmsAiden", "Anu Nijhawan |/NijhawanAnu", "Ana Nizharadze |/NizharadzeAna", "Wesley R. Novotny || Wesley Novotny|/NovotnyWesley", "Mike O'Grady |/OGradyMike", "Nolan Okrusko |/OkruskoNolan", "Megan J. Ollivier || Megan Ollivier|/BertramMegan", "Sydney Olsen |/OlsenSydney", "Orla O'Malley |/OMalleyOrla", "Derrick Osborne |/OsborneDerrick", "William S. Osler KC|| William Osler|/OslerWilliam", "Louis-Philippe Otis |/OtisLouisPhillipe", "Alexanne Ouellet |/OuelletAlexanne", "Rachel Pageau |/PageauRachel", "Stephanie Paige |/PaigeStephanie", "Vasilis F. L. Pappas, FCIArb|| Vasilis Pappas,|/PappasVasilis", "Sara G. Parchello || Sara Parchello|/ParchelloSara", "Pavan Pasha |/PashaPavan", "Julia N. Pasieka || Julia Pasieka|/PasiekaJulia", "Ashley L. Paterson || Ashley Paterson|/PatersonAshley", "Jonas Patron |/PatronJonas", "Dane Patton |/PattonDane", "Alex Payne |/PayneAlexander", "William (Buck) A. Payne || William (Buck) Payne|/PayneWilliam", "Lauren Peebles |/PeeblesLauren", "Arthur J. Peltomaa || Arthur Peltomaa|/PeltomaaArthur", "Colin R. Perry || Colin Perry|/PerryColin", "Christopher Petrucci ||construction litigation|/PetrucciChristopher", "Christine Plante |/PlanteChristine", "Caroline Poirier |/PoirierCaroline", "Mark S. Powell || Mark Powell|/PowellMark", "Valerie R. Prather KC|| Valerie Prather|/PratherValerie", "David M. Price || David Price|/PriceDavid", "Ruth E. Promislow || Ruth Promislow|/PromislowRuth", "Akash Purewal |/PurewalAkash", "Siobain N. Quinton || Siobain Quinton|/QuintonSiobain", "Alison Quist-Levesque |/QuistLevesqueAlison", "Jung Kuo (John) Ra ||John Ra|/RaJohn", "Amanda Raimondi |/RaimondiAmanda", "Michael D. W. Ramsay || Michael Ramsay|/RamsayMichael", "Belinda Raposo |/RaposoBelinda", "Mark Rasile |/RasileMark", "Brian P. Reid ||construction litigation Brian Reid|/ReidBrian", "George W. H. Reid || George Reid|/ReidGeorge", "Kristen Reinbold |/ReinboldKristen", "Benjamin K. Reingold || Benjamin Reingold|/ReingoldBenjamin", "Kohi A. Richardson || Kohi Richardson|/RichardsonKohi", "Matt Riskin |/RiskinMatthew", "Wade Ritchie |/RitchieWade", "Corrin Roadhouse |/RoadhouseCorrin", "Luc Rollingson |/RollingsonLuc", "Paul Romaniuk |/RomaniukPaul", "Helen Ross |/RossHelen", "David S. Rotchtin || David Rotchtin|/RotchtinDavid", "Jason D. Roth || Jason Roth|/RothJason", "James G. Rumball ||Jim Rumball James Rumball|/RumballJames", "Jeremy A.J. Russell || Jeremy Russell|/RussellJeremy", "Andrew Sahai |/SahaiAndrew", "Raj S. Sahni || Raj Sahni|/SahniRaj", "Larissa Sakumoto |/SakumotoLarissa", "Dr. Sabrina Sandhu |/SandhuSabrina", "Annaliisa Sando |/SandoAnnaliisa", "Larry R. Sandrin || Larry Sandrin|/SandrinLarry", "Gino Scapillati |/ScapillatiGino", "Quinn Scarlett |/ScarlettQuinn", "Sophie Schaffer-Wood |/SchafferWoodSophie", "Julia E. Schatz || Julia Schatz|/SchatzJulia", "Ethan Z. Schiff || Ethan Schiff|/SchiffEthan", "Jim Schmidt |/SchmidtJim", "Jacob Schroeter |/SchroeterJacob", "Doug Scully |/ScullyDoug", "Susan G. Seller || Susan Seller|/SellerSusan", "Michael Selnes |/SelnesMichael", "Jane Sergievskaya |/SergievskayaJane", "Nathan J. Shaheen || Nathan Shaheen|/ShaheenNathan", "Michael S. Shakra || Michael Shakra|/ShakraMichael", "Bronwynn Shaw |/ShawBronwynn", "Oleg Shcheglov |/ShcheglovOleg", "Kruti Sheth |/ShethKruti", "Noriko Shimura |/ShimuraNoriko", "Dunni Shodipo |/ShodipoDunni", "Ted M. Shoub || Ted Shoub|/ShoubTed", "Adam Shumka |/ShumkaAdam", "Stephen P. Sibold KC|| Stephen Sibold|/SiboldStephen", "Julien Sicco |/SiccoJulien", "Brendan Sigalet |/SigaletBrendan", "Arti Singh |/SinghArti", "Jaspreet K. Singh || Jaspreet Singh|/SinghJaspreet", "Krishen Singh |/SinghKrishen", "Christopher R. Skelton || Christopher Skelton|/SkeltonChristopher", "Christina Skinner |/SkinnerChristina", "Lawrence (Laurie) E. Smith KC|| Lawrence (Laurie) Smith|/SmithLawrence", "Michael C. Smith || Michael Smith|/SmithMichael", "Owen Smith |/SmithOwen", "Yvonne So |/SoYvonne", "Raghav Sodhi |/SodhiRaghav", "Bahar Soltani |/SoltaniBahar", "Gary S.A. Solway || Gary Solway|/SolwayGary", "Aaron E. Sonshine || Aaron Sonshine|/SonshineAaron", "Dom Sorbara |/SorbaraDom", "Jackson Spencer |/SpencerJackson", "Perry Spitznagel KC|/SpitznagelPerry", "Robert W. Staley || Robert Staley|/StaleyRobert", "Carolyne J. Stanton || Carolyne Stanton|/StantonCarolyne", "Grant N. Stapon KC|| Grant Stapon|/StaponGrant", "Andrea Steele (née Stempien) |/SteeleAndrea", "Megan Steeves |/SteevesMegan", "Evan Stein |/SteinEvan", "Kiera G. Stel || Kiera Stel|/StelKiera", "Madison Stemmler |/StemmlerMadison", "Geoffrey P. Stenger || Geoffrey Stenger|/StengerGeoffrey", "Lucas Stevens-Hall |/StevensHallLucas", "Karen A. Stevenson || Karen Stevenson|/StevensonKaren", "Lisa Stewart |/StewartLisa", "David Storey |/StoreyDavid", "Barbara J. Stratton KC|| Barbara Stratton|/StrattonBarbara", "Luke Stretch |/StretchLuke", "Suzie Suliman |/SulimanSuzie", "Olga Summers |/SummersOlga", "Madison Sutherland |/SutherlandMadison", "Richard B. Swan || Richard Swan|/SwanRichard", "Maisah Syed |/SyedMaisah", "Francesca Taddeo |/TaddeoFrancesca", "Sharon A. Takacs || Sharon Takacs|/TakacsSharon", "Dana Talucci |/TalucciDana", "Heather Taskey |/TaskeyHeather", "Adam W. Taylor || Adam Taylor|/TaylorAdam", "Jeff Taylor |/TaylorJeff", "Marcia Taylor |/TaylorMarcia", "Rebecca M. Taylor || Rebecca Taylor|/TaylorRebecca", "Melanie Teetaert |/TeetaertMelanie", "Alexandra Terpoy-Heinemann |/Terpoy-HeinemannAlexandra", "Daniel P. Tessaro || Daniel Tessaro|/TessaroDaniel", "Jean Tessier |/TessierJean", "Zachary Thacker |/ThackerZachary", "Michael P. Theroux KC||Mike Theroux Michael Theroux|/TherouxMichael", "Ian W. Thompson || Ian Thompson|/ThompsonIan", "Jessica Thrower |/ThrowerJessica", "Deborah Toaze |/ToazeDeborah", "Shaan P. Tolani || Shaan Tolani|/TolaniShaan", "Leah Tolton KC, FEA|/ToltonLeah", "Annie B. Tonken || Annie Tonken|/TonkenAnnie", "Marshall Torgov |/TorgovMarshall", "Christopher A. Travascio || Christopher Travascio|/TravascioChristopherA", "Elad Travis |/TravisElad", "Vanessa Trépanier ||Vanessa Trepanier|/TrepanierVanessa", "Jon C. Truswell || Jon Truswell|/TruswellJon", "Victor Tsao |/TsaoVictor", "Victoria Tulk |/TulkVictoria", "Meg Tweedlie |/TweedlieMeg", "Osie Ukwuoma |/UkwuomaOsie", "Martin J. Valasek || Martin Valasek|/ValasekMartin", "John D. van Gent || John van Gent|/vanGentJohn", "Quentin Vander Schueren |/VanderSchuerenQuentin", "Michael H. VanderMeer || Michael VanderMeer|/VanderMeerMichael", "Karlo Varga |/VargaKarlo", "Amy Verhoeff |/VerhoeffAmy", "Christine A. Viney || Christine Viney|/VineyChristine", "Sophie Virji |/VirjiSophie", "Jenna Vivian |/VivianJenna", "David J. Wahl, FCIArb|| David Wahl,|/WahlDavid", "David Wainer |/WainerDavid", "Adam Walji |/WaljiAdam", "Alana Walter |/WalterAlana", "Daphne Wang |/WangDaphne", "Julia Qian Wang || Julia Wang|/WangJulia", "Maureen M. Ward || Maureen Ward|/WardMaureen", "Philip B. Ward || Philip Ward|/WardPhilip", "Mykala Way |/WayMykala", "Brendan J. Weiler || Brendan Weiler|/WeilerBrendan", "Katelyn Weller |/WellerKatelyn", "Samantha Weng |/WengSamantha", "Adam Weryha |/WeryhaAdam", "Ashley M. White || Ashley White|/WhiteAshley", "Jacquie White |/WhiteJacquie", "Venetia E.K. Whiting || Venetia Whiting|/WhitingVenetia", "Riley Whitlock |/WhitlockRiley", "Adam J. Williams || Adam Williams|/WilliamsAdam", "Connor Wilson |/WilsonConnor", "Michelle M. Wilson || Michelle Wilson|/WilsonMichelle", "John (Jay) A. Winters ||Jay, Jay Winters John (Jay) Winters|/WintersJohn", "Xenia Wong |/WongXenia", "Stirling H.G. Wood || Stirling Wood|/WoodStirling", "Cheryl M. Woodin || Cheryl Woodin|/WoodinCheryl", "Frances Wu |/WuFrances", "Vincent Yagayandi |/YagayandiVincent", "Nicole Yap |/YapNicole", "Dylan H. Yegendorf || Dylan Yegendorf|/YegendorfDylan", "Corey A. Yermus || Corey Yermus|/YermusCorey", "Makda Yohannes |/YohannesMakda", "Edward (Ted) Yoo ||Ted, Ted Yoo, Patent Agent, Trademark Agent, Patent, Trademark, Trade-mark, Trade-mark agent Edward Yoo|/YooEdward", "Blair C. Yorke-Slader KC|| Blair Yorke-Slader|/YorkeSladerBlair", "Andrew Young |/YoungAndrew", "Alicia Yowart |/YowartAlicia", "Evana Yukanna |/YukannaEvana", "Michelle F. Yung || Michelle Yung|/YungMichelle", "Belal Zaher |/ZaherBelal", "Asif Zalfackruddin |/ZalfackruddinAsif", "Haley Zerr |/ZerrHaley", "Jie (Kevin) Zhou |/ZhouKevin", "Peter Zvanitajs |/ZvanitajsPeter", "Sean Zweig |/ZweigSean", "Kevin J. Zych || Kevin Zych|/ZychKevin"];</script> </div> </div> </div> </div> </div> <div id="HeaderDropDownExpertise" class="visible-lg visible-md hidden menu-wrapper"> <div class="row"> <div class="col-lg-6 col-md-6"> <div class="menu-wrapper-menu menu-wrapper-menu-correction"> <div class="col-lg-4 col-md-4"> <strong class="header-menu-parent"><a href="/Practices">Practices</a></strong> <br /> <a href="/Practices#Corporate">Corporate</a> <a href="/Practices#Litigation ">Litigation</a> <a href="/Practices#Regulatory ">Regulatory</a> <a href="/Practices#Tax ">Tax</a> <a class="action-link" href="/Practices">View all</a> </div> <div class="col-lg-4 col-md-4"> <strong class="header-menu-parent"><a href="/Industries">Industries</a></strong> <br /> <a href="/Featured/Energy">Energy</a> <a href="/Infrastructure">Infrastructure</a> <a href="/Featured/Mining">Mining</a> <a href="/PrivateEquity">Private Equity & Investment Funds</a> <a class="action-link" href="/Industries">View all</a> </div> <div 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aria-hidden="true">Expertise Search Button</label> <input id="ExpertiseSearchButton" type="submit" class="hidden" value="Search" /> </form> <script type="text/javascript">var expertise = ["Aboriginal Law||indigenous, first nations, undrip|/AboriginalLaw", "Accountant Liability Litigation||auditor, fraud|/AccountantLiability", "Airport Infrastructure|/AirportInfrastructure", "Anti-Corruption Investigations & Compliance|/anti-corruption", "Anti-Money Laundering|/AntiMoneyLaundering", "Anti-Spam Law||CASL|/Anti-spamLaw", "Appellate Advocacy & Judicial Review||appeal|/AppellateAdvocacy", "Arbitration|/Arbitration", "Artificial Intelligence|/AI", "Asset/Equipment Finance & Leasing|/AssetEquipmentFinanceLeasing", "Automotive||autonomous vehicles, vehicle safety, auto emissions, vehicles, electric vehicles, evs, hybrid vehicles|/Automotive", "Aviation|/Aviation", "Banks & Financial Institutions||financial institutions regulation, trusts, insurance entities, money laundering, FinTrac, fintrac, OSFI, banking, banking and finance, banking group|/Banks", "Cannabis Law||marijuana|/Cannabis", "Capital Markets||capital markets, IPOs, initial public offerings, prospectus offerings, private placements, securities, ATM, ATMs, at the market, at-the-market|/CapitalMarkets", "Captive Insurers and Risk Management||captive, captive insurers, captive insurance act, risk management|/CaptiveInsurersandRiskManagement", "Class Action Litigation||product liability, price fixing|/ClassActionLitigation", "Climate Change||green, sustainable, carbon, clean technology, carbon levy, carbon capture, carbon offsets, carbon pricing, carbon sequestration, carbon tax|/ClimateChange", "Commercial Litigation|/CommercialLitigation", "Commercial Real Estate||municipal infrastructure, industrial development, community, retail, land-use, leasing, property management, property development|/RealEstate", "Commercial Transactions||corporate commercial, contract|/CommercialTransactions", "Competition/Antitrust||investment Canada act, anti-trust, anti trust|/Competition", "Condominium/Strata Development|/CondoDevelopment", "Constitutional Law|/ConstitutionalLaw", "Construction||venture structuring, contract negotiation, financial risk management, claims, project development, EPC, EPCM, DBFM|/Construction", "Corporate Governance||board of directors, committees, director and officer liability, compensation, fiduciary duty, regulatory compliance|/CorporateGovernance", "Data Governance Protection & Cybersecurity||data protection, privacy, breach, incident response, risk management|/Cybersecurity", "Defamation|/Defamation", "Defence & Security||military procurement, national security, controlled goods|/DefenceSecurity", "Emerging Enterprises|/EmergingEnterprises", "Employment Services||OHS, OH&S, occupational health, labour|/Employment", "Energy||oil & gas, power, electricity, LNG, natural gas, renewable, pipeline, energy storage, carbon capture, storage, helium, 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src="/Styles/images/linkedin.png" alt="LinkedIn" /> <img src="/Styles/images/linkedin_hover.png" alt="LinkedIn" /> </a> <a href="https://twitter.com/BennettJonesLaw"> <img src="/Styles/images/twitter.png" alt="Twitter" /> <img src="/Styles/images/twitter_hover.png" alt="Twitter" /> </a> <a href="https://vimeo.com/bennettjones"> <img src="/Styles/images/vimeo.png" alt="Vimeo" /> <img src="/Styles/images/vimeo_hover.png" alt="Vimeo" /> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div id="HeaderActionBarFake">   </div> <div class="row"> <div class="col-lg-12"> <div id="HeaderInternal"> <span class="h3" role="heading" aria-level="2"> Blog </span> <h1 role="heading" aria-level="1"> Fintech in Canada Q1 2024 </h1> <h2 role="heading" aria-level="2"> April 04, 2024 </h2> </div> </div> </div> </div> </div> </header> <section role="main" id="BodyContent"> <div class="container"> <div class="row"> <div class="content-body col-lg-8 col-md-8 social-share"> <h3 class="authors" role="heading" aria-level="3"> Written By Matt Flynn, Simon Grant and Kwang Lim </h3> <div class="content-form"> </div> <p>As we highlighted in our last <a href="/Blogs-Section/Fintech-in-Canada-Q1-2023-A-Pivotal-Moment" target="_self">quarterly Fintech update</a> in 2023, a new regulatory framework under the <em>Retail Payments Activities Act</em> (RPAA) will soon affect all retail payment service providers (PSPs) doing business in Canada.</p> <p>PSPs will be able to register with the Bank of Canada from November 1 to 15, 2024, with compliance obligations to take effect in 2025.</p> <p>The Bank of Canada recently released draft supervisory guidelines to help PSPs understand those compliance obligations (copies of which can be found on the <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.bankofcanada.ca/core-functions/retail-payments-supervision/retail-payments-supervision-consultation/?page_moved=1" target="_blank">Bank of Canada's website</a>). The following drafts are open for public comment until May 21, 2024:</p> <ul> <li>operational risk and incident response;</li> <li>incident notification;</li> <li>safeguarding end-user funds; and</li> <li>notice of significant change or new activity.</li> </ul> <h2>Proposed Amendments to Public Crypto Asset Funds</h2> <p>On January 18, 2024, the Canadian Securities Administrators (the CSA) released a notice and request for comment concerning proposed amendments to National Instrument 81-102 <em>Investment Funds</em> and Companion Policy 81-102CP <em>Investment Funds </em>(the Proposed Amendments) pertaining to public investment funds that invest in crypto assets (Public Crypto Asset Funds). </p> <p>The Proposed Amendments regarding NI 81-102 include:</p> <ul> <li><strong>Alternative Mutual Fund</strong><strong>:</strong> broadening the definition of "alternative mutual fund" to include mutual funds investing in crypto assets; </li> <li><strong>Restrictions on Investing in Crypto Assets</strong><strong>:</strong> permitting only alternative mutual funds and non-redeemable investment funds to buy, sell, hold or use crypto assets directly and limiting the types of crypto assets in which these funds can invest. Public Crypto Asset Funds would be prohibited from buying or holding non-fungible crypto assets;</li> <li><strong>Prohibitions on Certain Transactions</strong><strong>: </strong>prohibiting the use of crypto assets in securities lending, repurchase transactions and reverse repurchase transactions, wherein crypto assets are bought and subsequently sold at a specified price;</li> <li><strong>Money Market Funds</strong><strong>: </strong>clarifying that a money market fund cannot buy or hold crypto assets; </li> <li><strong>Custodianship of Portfolio Assets</strong><strong>:</strong> adding requirements applicable to custodians and sub-custodians that hold crypto assets on behalf of an investment fund (Crypto Custodians), including requirements that Crypto Custodians keep crypto assets in offline storage, maintain insurance regarding crypto assets, and obtain an annual report by a public accountant assessing the Crypto Custodian's internal management and security; and </li> <li><strong>Sale of Securities of a Mutual Fund</strong><strong>:</strong> permitting Public Crypto Asset Funds to accept crypto assets as subscription proceeds under certain conditions.</li> </ul> <p>The Proposed Amendments regarding 81-102CP include:</p> <ul> <li><strong>Crypto Assets: </strong>providing greater guidance on the definition of "crypto assets." Specifically, the definition will consider a crypto asset to include any digital representation of value that uses cryptography and distributed ledger technology, or a combination of similar technology, to create, verify, and secure transactions; </li> <li><strong>Investing in Crypto Assets</strong><strong>: </strong>clarifying that Public Crypto Asset Funds can acquire crypto assets from sources outside of recognized exchanges so long as the crypto assets meet certain requirements; and </li> <li><strong>Custodian Standard of Care</strong><strong>: </strong>providing direction on the standard of care for crypto custodians.</li> </ul> <p>In publishing the Proposed Amendments, the CSA has opened a 90-day comment period to solicit feedback and comments, which terminates on April 17, 2024.</p> <h2>OSFI's Guideline On Technology and Cyber Risk Management</h2> <p>In Q1 2024, the Office of the Superintendent of Financial Institutions (OSFI) of Canada released its <em>Guideline B-13 – Technology and Cyber Risk Management</em>, which sets out OSFI’s requirements for the management of technology and cyber risk for federally regulated financial institutions (FRFIs).</p> <p>This is important for Fintechs because the roster of FRFI’s under OSFI’s regulatory purview includes 400 financial institutions—including all banks (domestic and foreign) and insurance companies. If a Fintech offers a service to one or more FRFI’s and that service interacts with or otherwise impacts the FRFI’s technology assets or systems, it can expect the FRFI to pass relevant B-13 mandated obligations along to the Fintech—legal and operational. This will add risk and cost to the Fintech and will likely impact pricing and commercial terms around risk allocation including indemnities, limits of liability and insurance requirements, and the Fintech’s information security posture. To add to the fun, OSFI states <em>Guideline B-13</em> should be considered along with existing OSFI guidance and tools including: the <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/corporate-governance-guideline-2018" title="Corporate Governance – Guideline (2018)" target="_blank"><em>Corporate Governance Guideline</em></a>, <em>Guideline E‑21</em> (<a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/operational-risk-management-guideline-2016" title="Operational Risk Management - Guideline (2016)" target="_blank">Operational Risk Management</a>), the revised draft <em>Guideline B‑10</em> (<a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/third-party-risk-management-guideline" title="Third-Party Risk Management Guideline" target="_blank">Third-Party Risk Management</a>), the <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/technology-cyber-security-incident-reporting" title="Technology and Cyber Security Incident Reporting" target="_blank">Technology and Cyber Security Incident Reporting Advisory</a> and the <a rel="noopener noreferrer" rel="noopener noreferrer" href="https://www.osfi-bsif.gc.ca/en/risks/technology-cyber-risk-management/cyber-security-self-assessment" title="Cyber Security Self-Assessment" target="_blank">Cyber Security Self-Assessment tool</a>.</p> <p>Lost yet? Bennett Jones is here to help you navigate the path forward.</p> <h2>Open Banking</h2> <p>On the open banking file, the Canadian federal government has promised framework legislation in its upcoming budget set for April 16, 2024. This publication, and indeed this author, has commented on Canada’s glacially slow pace in adopting open banking. When it does, will Canadian consumers themselves adapt to and adopt open banking? Time will tell, but at the very least, it will give Fintechs and consumers new ways to provide and receive financial services in Canada. And change is healthy.</p> <div class="disclaimer-brief"> <p><em>Please note that this publication presents an overview of notable legal trends and related updates. It is intended for informational purposes and not as a replacement for detailed legal advice. If you need guidance tailored to your specific circumstances, please contact one of the authors to explore how we can help you navigate your legal needs.</em> </p> <p> <em>For permission to republish this or any other publication, contact Amrita Kochhar at <a href="mailto: kochhara@bennettjones.com">kochhara@bennettjones.com</a></em>. </p> </div> <p> <a href="?pdf=basic&s={7DCF57E3-FAC3-4191-B40B-E5B255C0C6D9}&d=April 04, 2024&lang=en">Download PDF</a> </p> </div> <div class="content-menu col-lg-4 col-md-4 social-share"> <h4>Authors</h4> <nav role="navigation" class="contacts"> <ul> <li> <img src="/-/media/Images/BennettJones/People/Flynn_Matthew.png" alt="Matthew Flynn" /> <span class="contacts-title"> <a href="/FlynnMatthew">Matthew Flynn</a>, <em>Partner</em> </span> </li> <li> <img src="/-/media/Images/BennettJones/People/Grant_Simon.png" alt="Simon Grant" /> <span class="contacts-title"> <a href="/GrantSimon">Simon Grant</a>, <em>Partner </em> </span> </li> <li> <img src="/-/media/Images/BennettJones/People/Lim_Kwang_04-2024.png" alt="Kwang Lim" /> <span class="contacts-title"> <a href="/LimKwang">Kwang Lim</a>, <em>Vancouver Managing Partner</em> </span> </li> </ul> </nav> <h4>Related Links</h4> <nav role="navigation"> <ul> <li><a href="/Insights">Insights</a></li> <li><a href="/Media">Media</a></li> <li><a href="/Subscribe">Subscribe</a></li> </ul> </nav> <h4>Recent Posts</h4> <div class="side-menu-grid related-posts"> <div class="row"> <div class="col-lg-12 col-md-12 col-sm-12 col-xs-12 caption-parent" style="background: url('/-/media/Lessons-in-Leadership-From-Canadian-Business-Icon.jpg?Windows of Skyscraper Business Office'); 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