Private lending perspectives from both sides of the border
Current to 1 October 2026 · 2 min read
The Cross-Border Lender's Compliance Calendar: October 2026 to 2028
Every key date for Canada–US private lenders and brokers from October 2026 to 2028: BC licensing, rate decisions, registration deadlines and the foreign buyer ban.
Current to 1 October 2026 · 2 min read
Lending on Condos? Unpaid Fees Can Jump Ahead of Your Mortgage
Unpaid condo and HOA fees can rank ahead of a first mortgage in Ontario, Nevada and other states. Five minutes on the risk and the simple checks that prevent it.
Current to 1 October 2026 · 2 min read
Broker Registration Is Spreading: Texas Deadline December 31, Vermont in 2027
Texas requires commercial sales-based financing brokers to register by December 31, 2026. Vermont, Missouri and others are tightening the rules for business finance brokers.
Current to 1 October 2026 · 2 min read
Bill C-36: Canada's New Privacy Law Is on Its Way. Here's What Mortgage Brokers and Lenders Should Know.
Bill C-36 would replace PIPEDA with the Protecting Privacy and Consumer Data Act and a new regulator. What it could mean for brokers, lenders and cross-border data.
Current to 1 October 2026 · 2 min read
California Moves to License All Commercial Financing: What AB 2116 Means for Brokers and Lenders
California's AB 2116 would extend CFL licensing to commercial financing providers and brokers from 2028. Who is covered, and why real estate lenders should still check.
Current to 1 October 2026 · 2 min read
The CFPB Resets Its Small Business Lending Rule: Is Your Private Lending Business In or Out?
The CFPB's revised Section 1071 rule takes effect with a January 1, 2028 compliance date and a 1,000-loan threshold. Most private real estate lenders are likely out.
Current to 1 October 2026 · 2 min read
The Federal Underused Housing Tax Is Gone. Provincial and City Vacancy Taxes Are Not.
Bill C-15 ended Canada's Underused Housing Tax from 2025. BC's Speculation and Vacancy Tax and city vacancy taxes still apply to non-resident owners.
Current to 1 October 2026 · 2 min read
Three Months to Go: Canada's Foreign Buyer Ban and the Australian Option
Canada's foreign buyer ban expires January 1, 2027, and Ottawa has not announced what comes next. The Australian-style option and what lenders should prepare for.
Current to 1 October 2026 · 2 min read
October 28: The Bank of Canada and the Fed Decide on the Same Day
Both central banks announce rate decisions on October 28, 2026. Where rates stand, what markets expect and what cross-border private lenders should watch.
Current to 1 October 2026 · 2 min read
The Trade Dispute Escalates: A US Import Ban on Canadian Goods and What It Means for Lenders
A US ban on nearly $1 billion of Canadian imports took effect September 29, 2026, after Canada's $20B counter-measures. What cross-border lenders should watch.
Current to 29 September 2026 · 2 min read
Seven Questions to Answer Before Your First Cross-Border Private Loan
Planning your first Canada–US private loan? Seven questions on usury, licensing, tax, AML, security and enforcement to answer before you fund.
Current to 29 September 2026 · 2 min read
Canada–US Trade Talks Break Down: Five Things Cross-Border Private Lenders Should Watch
New US tariffs and Canadian counter-measures followed the breakdown of trade talks. Five ways the dispute could affect cross-border private real estate lending.
Current to 29 September 2026 · 2 min read
Is Your Term Sheet a Crime? A 5-Minute Refresher on Canada's 35% Criminal Interest Rate
Canada's criminal interest rate is 35% APR, with commercial exemptions at $10,000 and $500,000. A quick guide for private lenders and brokers pricing deals.
Current to 29 September 2026 · 2 min read
Canada Scraps the Underused Housing Tax: One Less Filing for Cross-Border Owners and Lenders
Budget 2025 eliminated Canada's Underused Housing Tax from the 2025 year. Why 2022–2024 filings still matter to US owners and to lenders on their properties.
Current to 29 September 2026 · 2 min read
Canada's Foreign Buyer Ban Expires January 1, 2027. What Comes Next?
Canada's ban on non-Canadian residential purchases runs to January 1, 2027. What it covers, what may replace it, and why lenders should care.
Current to 29 September 2026 · 2 min read
The Fed Hikes, the Bank of Canada Holds: What a 150-Plus Basis-Point Gap Means for Cross-Border Private Lending
The Fed raised rates to 3.75%–4.00% in September 2026 while the Bank of Canada held at 2.25%. What the widening gap means for cross-border private lenders.
Current to 29 September 2026 · 2 min read
FINTRAC Penalties Just Rose 40-Fold: A Six-Month Check-In for Canadian Mortgage Lenders and Brokers
Bill C-12 raised FINTRAC penalties to $20M and added a new violation for ineffective compliance programs. What private lenders and brokers should do now.
Current to 29 September 2026 · 2 min read
The Corporate Transparency Act Now Targets Foreign Companies Only. That Includes Canadian Lenders.
FinCEN's August 2026 final rule exempts US companies from BOI reporting but keeps it for foreign companies registered in a US state, including Canadian lenders.
Current to 29 September 2026 · 2 min read
FinCEN's Residential Real Estate Rule: Vacated, Appealed and Still Worth Watching
A Texas court vacated FinCEN's residential real estate reporting rule in March 2026. FinCEN has appealed. What private lenders and their buyers should do now.
Current to 29 September 2026 · 2 min read
BC's Mortgage Services Act Takes Effect October 13: What Cross-Border Lenders and Brokers Need to Know
BC's Mortgage Services Act replaces the Mortgage Brokers Act on October 13, 2026. What changes for brokers, administrators and cross-border lenders.
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