How does it handle the distinction between insured and uninsured mortgages?

The skill applies different workflow logic and reporting requirements based on the Loan-to-Value (LTV) ratio and the presence of default insurance.

Is this skill for developers or compliance officers?

It is designed for both, helping translate complex legal requirements into technical specifications, data models, and system logic.

Does this skill handle Quebec-specific mortgage laws?

Yes, it provides specific guidance on Quebec's Civil Code and hypothecary rights, highlighting how they differ from common law foreclosure procedures in other provinces.

Can it help with CMHC and private insurer reporting?

Absolutely. It includes critical timelines and data requirements for notification and claim submissions for CMHC, Sagen, and Canada Guaranty.

Canadian Mortgage Servicing Regulatory Guide

Name: Canadian Mortgage Servicing Regulatory Guide
Author: jkappers

byjkappers

Gestión de Bases de Datos

Provides expert regulatory guidance and technical patterns for building compliant Canadian mortgage servicing software.

Acerca de

This skill equips developers and business analysts with domain-specific guidance for navigating the complex Canadian mortgage landscape, covering federal (FCAC, OSFI) and provincial regulations. It offers structured implementation patterns for payment processing, default management, and insurer reporting (CMHC, Sagen, Canada Guaranty). By prioritizing bitemporal data modeling and defensible audit trails, it ensures software remains compliant across all Canadian provinces, including specialized guidance for Quebec's unique civil law framework.

Características Principales

Provincial variation logic for Power of Sale vs. Foreclosure procedures
Regulatory citations for Bank Act, FCAC, OSFI, and CMHC requirements
Quebec-specific guidance for hypothecary rights and civil law mandates
Workflow guidance for arrears management and insurer notification timelines
Technical patterns for bitemporal data modeling and system auditability
0 GitHub stars

Casos de Uso

Designing compliant payment application engines for federally regulated financial institutions
Developing data models that support complex regulatory audits and insurer claim submissions
Building automated default management systems with built-in financial hardship reviews

Acerca de

Características Principales

Provincial variation logic for Power of Sale vs. Foreclosure procedures
Regulatory citations for Bank Act, FCAC, OSFI, and CMHC requirements
Quebec-specific guidance for hypothecary rights and civil law mandates
Workflow guidance for arrears management and insurer notification timelines
Technical patterns for bitemporal data modeling and system auditability
0 GitHub stars

Casos de Uso

Designing compliant payment application engines for federally regulated financial institutions
Developing data models that support complex regulatory audits and insurer claim submissions
Building automated default management systems with built-in financial hardship reviews