Conformité
5-year document retention (D-9.2, r.19): why a client file can't just live on a laptop
5 years after the last event, not after the file was opened. A nuance that trips up many brokers at inspection time.
Compliance and governance
Sleep easy: every file is inspection-ready.
Full history, automated regulatory retention and data hosted in Canada.
0 missing filesCourtierIQ applies published rules and keeps a record of what was done, by whom and when. You remain responsible for your practice; the tool lets you document it.
What it fixes
- Finding a 2021 file takes half a day.
- You are unsure when a file's retention period ends.
- You don't know where your data physically sits.
Video walkthrough
Video coming soon for this module
Automated regulatory retention
The retention end date is computed from the last event in the file, following the five-year rule of regulation D-9.2, r.19.
- Automatic retention-end calculation
- Files locked and findable
- Audit trail of access and changes
Law 25 and Canadian data residency
Personal information is hosted in Canada, with consent management and masking of sensitive identifiers before any external processing.
- Canadian hosting
- Client consent management
- Automatic social insurance number masking
- Data isolation per branch
Calculation rules and regulatory watch
Ratios, stress test and insurance tiers follow the rules published by federal authorities and the mortgage insurer; a watch register tracks sources and flags drift.
- GDS/TDS ratios and FCAC stress test
- CMHC tiers and Quebec tax on the premium
- Regulatory watch register and drift detection
Network and multi-branch
For networks and franchises, each branch is isolated, with a consolidated view for management.
- Native multi-company
- Data isolation per branch
- Subscription SaaS (dedicated database) or on-site deployment depending on volume
FAQ about this module
Further reading
Conformité
Quebec's Law 25 and client data: what a mortgage broker actually needs to do
A client file contains bank statements, a SIN, financial statements. Law 25 governs all of it — here's what changes in your daily practice.
What if next week had one extra day in it?
Create your workspace now. If your files live in another CRM or Excel, we can prepare their migration too.
Start my free trial →14-day trial • No card required • Cancel any time