The Organisme d'autoréglementation du courtage immobilier du Québec (OACIQ) has strengthened its training and disclosure requirements for mortgage brokers in 2025-2026.
New Continuing Education Requirements
OACIQ-certified mortgage brokers must now complete 24 hours of continuing education per two-year period, including at least 6 hours on new federal mortgage regulations.
Enhanced Fee Disclosure
Since January 2026, brokers are required to provide clients with a detailed disclosure document specifying all sources of compensation (lender commission, file fees where applicable).
Enhanced Consumer Protection
OACIQ has strengthened its complaints handling mechanism. Unsatisfied borrowers can now file a complaint online directly at oaciq.com and receive a response within 30 days.
What This Means for You
These new rules strengthen your protection as a Quebec borrower. Always verify your broker's OACIQ license before entrusting your file to them.
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