Policies & Procedures Manual

Now, more than ever, it’s important to stay on top of client suitability, fraud prevention, and compliance with industry legislation and regulations. CMBA Ontario can help!

CMBA Ontario offers a Policies & Procedures Manual template that has been designed to provide brokerages with the basic requirements for a policy and procedure manual.

The manual includes:

  1. Form Templates that are designed to assist in the day-to-day operations of the Brokerage
  2. Guidelines regarding client suitability, employee relations, and fraud awareness and prevention intended to help protect your Brokerage from financial or corporate abuse
  3. Cybersecurity policies and procedures to protect your Brokerage from cyber-security risks


$499 + HST for Non-Members
$299 + HST for Members

Your purchase includes:

  1. Access to the template in Word format, where you can customize with your logo and brokerage name
  2. Access to the portal for 12 months, where you can download updated versions of the template should there be any changes


  • It is mandatory for a brokerage to have and implement an up-to-date Policies and Procedures Manual, refer to Ontario Regulation 188/08 section 40.
  • If your manual has not been reviewed by the Brokerage/Principal Broker in the past year, FSRA will not find it acceptable
  • While the CMBA Ontario Policies and Procedures Manual templates provide the general content, brokerages are expected to update their manual regularly and ensure that its contents meet their specific needs and practices.
  • Your AIR also specifically asks if you reviewed your brokerage’s Policies and Procedures Manual during the reporting period and you have to identify when they were last updated
  • If you require an update from a Manual that was purchased from CMBA Ontario more than 12 months ago, you will need to purchase the Manual again.

Please click on the button below to get access CMBA Ontario’s Professional Development Portal to access the Policies & Procedures Manual Template. The portal allows you to download the files directly to your computer and make any changes to customize it to your brokerage. You will have access for up to 12 months to download any future changes to the templates.

Disclaimer and Limitation of Liability – This manual has been designed as a generic document for Mortgage Brokerages that concentrate on Residential Brokering. If your brokerage, participates in or specializes in any of the below outlined areas, it is advisable that your manual be modified to accommodate those areas of expertise. 

Areas that should require further in-depth clarification and brokering guidance are:

  • Syndicated Mortgage sales or Investments
  • Reverse Mortgages
  • Construction and Draw Mortgages
  • Leveraged Investments

It is recommended that if your Brokerage is involved in any of the above, then a clause or a complete section be added addressing that particular area’s uniqueness.  We recommend it should be crafted by a professional in that area. CMBA will not provide that for you.

You assume all responsibility and risk with respect to your use of this CMBA Policies & Procedures Manual (the Manual), which is provided “as is” without warranties, representations or conditions of any kind, either express or implied,  including without limitation, all content and materials, and functions and services provided, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose.  We/ CMBA, do not warrant that this Manual or the content and material of the information made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected.  The use of this Manual is at your sole risk and you assume full responsibility for any costs associated with your use of this Manual.  We/CMBA, will not be liable for any damages of any kind related to the use of this Manual.  In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, this Manual or the content or material or functionality , even if we are advised of the possibility of such damages.  Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages.  In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum extent permitted by law.



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