Bookmark this page. Here is every date we are tracking for cross-border private lenders and brokers, in order. We will update it as dates are confirmed or changed.
Dates ahead
| Date | What happens | Who it affects | Read more |
|---|---|---|---|
| 13 Oct 2026 | BC Mortgage Services Act comes into force, replacing the Mortgage Brokers Act | BC brokers, brokerages and administrators, and lenders using them | Vol. 1 Blog 1 |
| 28 Oct 2026 | Bank of Canada and Federal Reserve rate decisions on the same day | All lenders | Blog 12 |
| 9 Dec 2026 | Federal Reserve decision with new projections | US-funded lenders | Blog 12 |
| 31 Dec 2026 | Texas registration deadline for commercial sales-based financing providers and brokers | Brokers arranging non-real-estate business financing in Texas | Blog 18 |
| End of 2026 | New York LLC Transparency Act first filing deadline for non-US LLCs registered in New York before 2026 (sources cite 31 Dec 2026 or 1 Jan 2027) | Non-US LLCs registered in New York | Vol. 1 Blog 3 |
| 1 Jan 2027 | Canada's foreign buyer ban scheduled to expire | Lenders to non-Canadian purchasers | Blog 13 |
| 1 Jul 2027 | Vermont Act 142 brings sales-based financing and factoring into licensing | Commercial finance brokers | Blog 18 |
| 1 Jan 2028 | CFPB Section 1071 data collection begins for covered lenders | Lenders with 1,000+ small business originations a year | Blog 15 |
| 1 Jul 2028 | California AB 2116 commercial financing licensing takes effect (verify enactment) | Commercial financing providers and brokers serving California businesses | Blog 16 |
Pending, no date yet
- FinCEN residential real estate rule: vacated in March 2026; FinCEN's appeal is before the Fifth Circuit (Vol. 1 Blog 2).
- Bill C-36: federal privacy reform before Parliament (Blog 17).
- FINTRAC universal enrollment: enacted in March 2026; FINTRAC has said details will follow (Vol. 1 Blog 4).
- BC mortgage lender license category: coming in a later phase of the MSA (Vol. 1 Blog 1).
Make it yours
- Add the dates that apply to your business to your team calendar
- Assign an owner for each item
- Check this page monthly for updates
Connect. Collaborate. Capitalize. CBPLA members get updates like these as rules change on both sides of the border. Learn about membership at www.cbpla.com or write to info@cbpla.com.
This content is general information for industry professionals and is not legal, tax or financial advice. Laws change and apply differently to each transaction; obtain advice from qualified counsel in each relevant jurisdiction. Legal counsel to the Cross-Border Private Lenders Association: Jasmine Daya & Co. Questions: info@cbpla.com