DLCG Law & Order - James Bell

10/10/2026

Happy Thanksgiving DLCG. The older I get, the more I truly understand Thanksgiving. Just very appreciative for family, friends and all the people in my circle. Hope everyone has an amazing weekend filled with family and friends.

On the regs side, I'm sure our BC agents and owners are thankful they are just about through all the changes. A big thanks to Justin, Mary and Scott for their big brains and commitment to our success.

Lastly, don't forget to get your annual AML training done before year end... Consider an annual reminder in your outlook calendar...

Gobble gobble...

09/22/2026

Our fearless leader Gary Mauris was on the Angry Mortgage podcast with Ron Butler today. Great business advice and some fun history on DLCG.

Had I been thinking, I would have counted the F-bombs and offered a prize for the closest guess! Both make me giggle as they are entertaining and passionate.

A special congratulations to Ron Butler for his podcast (and career) success. Always appreciate those trailblazers like Ron, Gary and Chris that lit the path for the rest of us. I listen weekly and find it a fun way to stay current.

09/08/2026

Happy September DLCG! Summer is always amazing but I secretly enjoy getting back into the fall routine.

Just a couple fall regulatory reminders re AML:

1. Policies - Give your AML policies a re-read, make sure you're current. I'd recommend diarizing this to occur annually.
2. Training - Make sure you have a plan for training your agents annually on AML (inhouse or external course). Be sure to keep a record to confirm everyone completed training.
3. AML Program Effectiveness Review - Please get you AML Effectiveness review completed by mid-October to remain compliant. Mary has sent all AML compliance officers the 'how-to' on this.

08/06/2026

Not legal or regulatory but I wanted to send some flowers to my amazing colleagues.

07/26/2026

Here's an explainer video based on the lastest MPC report "The Broker Advantage". LOTS of good info and excellent evidence for social proof. More Canadians are using a mortgage broker. More than one-third of all Canadians are now using a mortgage broker and half of first-time home buyers. Check it out! 👇

07/25/2026

I hope everyone saw the MPC survey results released this week. More canadians (38%) are using a mortgage broker and almost half (48%) of new home buyers. Social proof is one of the most powerful levers in marketing, lets be sure to let everyone know that everyone should use a mortgage broker.

Ps… the results were no surprise based on the awesome agents at DLCG!!

Gary Mauris
Mike De Eyre
Eddy Cocciollo
Dave Teixeira

07/10/2026

Need help with your brokerage? Looking for work? Take a look at the new Job Board on Mortgage Logic News. Just click on the "Careers" tab in the top right corner.

07/03/2026

Here's the first of two articles on E&O. The next one is on what do you if you get a claim. Dave Teixeira and my mom both told me they are very exciting....

By most accounts, I’m an average golfer (okay, that's generous). And despite golf being frustrating and expensive, it provides real benefits that I've come to value. For one thing, it gives me my 1...

06/28/2026

AML Spot Checks... Upcoming Effectiveness Audit

With many brokerages needing to conduct their 2 year AML effectiveness audit by Oct, 2026, I'd encourage AML Compliance Officers to get into the habit of doing some spot audit. Start by just selecting 5-10 random files and make sure:

- IDV has been performed
- PEP Declaration Signed
- AML Borrower Risk Rating Complete (with notes on conclusion)
- Anything unusual

I'd also suggest pulling a list of your low AML risk, medium AML risk and high AML risk borrowers. What do you notice? Are your brokers identifying any non-low-risk borrowers? Do you feel they understand the rules?

If the above reads like Shakespeare, feel free to reach out to myself or Mary Gronkowski.

06/23/2026

Customer Complaint Logs - A Regulatory Requirement and a Canary in the Coal Mine...

Nerd Note: The phrase 'Canary in the Coal Mine' comes from an actual safety practice used in the early 20th century. Coal miners would bring caged canaries into underground tunnels because the birds are highly sensitive to toxic, odorless gases like carbon monoxide. If the bird became sick or died, it warned miners that the air was unsafe and gave them crucial time to evacuate. Oh no, poor tweety birds!!

Brokerages are required to maintain a written log of all customer complaints and to designate one person to respond to all complaints promptly. As per FSRA requirements, the response should propose a resolution and should also advise the customer of the ability to refer the matter to the regulator.

We would encourage all Brokerages to regularly review their complaint logs for trends and common issues. While some complaints arise from unreasonable customer expectations, many complaints signal areas requiring improved training or education. Prompt handling of complaints often diffuses issues and avoids litigation.