Financial Transactions and Reports Analysis Centre of Canada (FINTRAC)
Canada’s financial intelligence unit and anti-money-laundering supervisor.
Overview
FINTRAC receives reports from reporting entities, analyses them for money laundering and terrorist financing, examines compliance with the PCMLTFA and its regulations, registers money services businesses and imposes administrative penalties.
Its powers include supervising and examining the organisations it oversees, investigating and imposing penalties and granting and withdrawing licences or registrations.
In Canada it works at federal level.
Check the official sources below for legal scope, applicable dates and exceptions. This entry is an explanatory reference, not legal advice.
Why it matters
Its examinations and expectations often decide outcomes more than the text of the law.
Who it affects
Organisations in financial services and crypto assets in Canada.
Where it sits
Ten linked steps connect where you operate to the proof that you complied.
- 01Jurisdiction
- 02Industry
- 03Activity
- 04Authority
- 05Regulation
- 06Requirement
- 07Guidance
- 08Control
- 09Evidence
- 10Enforcement
Connections
The terms most closely tied to FINTRAC. Select one to open it.
What to do about it
- 1Confirm whether FINTRAC has power over you, and through which licence, registration, membership or activity.
- 2Follow its rules, guidance and enforcement publications as they are issued.
- 3Map each obligation it creates to a control with a named owner.
- 4Keep examination-ready evidence for its highest-risk obligations.
From requirement to evidence.
Regulation Layer tracks its publications in the change feed, maps its obligations to your controls, and links its enforcement actions to the obligations they cite.
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