MQCC™ BLOG OF BLOCKCHAIN™ (www.BlogOfBlockChain.com) Articles and Open Secrets

BLOG TITLE: MQCC™ Blog Of BlockChain™ (www.BlogOfBlockChain.com) Articles and Open Secrets
BLOG, BOOK, E-BOOK SERIES: The FATHER OF BLOCKCHAIN™ Presents
(www.FatherOfBlockChain.com)
PUBLISHER: MQCC™ Money Quality Conformity Control Organization incorporated as MortgageQuote Canada Corp.
SELLER: MQCC™ Money Quality Conformity Control Organization incorporated as MortgageQuote Canada Corp.
GENRE: REFERENCE
AUDIENCE: GRADE 12; VOCATION; COLLEGE; UNIVERSITY; INDUSTRY; GOVERNMENT
PAGES: VARIOUS
CONTRIBUTOR: Anoop Bungay
PUBLISH START DATE: 2011



CQMFA.org: The World's Better, Safer and More Efficient Banking & Finance Network (www.cqmfa.org)

Quality Management-in-Finance.


ACADEMIC AND JOURNAL CITATIONS in MODERN LANGUAGE ASSOCIATION OF AMERICA (MLA 8) FORMAT
To cite any article, here is the template to use; with an example, below:

Citation Template:

Author’s Last Name, Author’s First Name. “Title of Post.” Blog Name, Blog Publisher (only include this information if it is different than the name of the blog site), Date blog post was published, Link to post (omit http:// or https://).

Example:

Bungay, Anoop. “The History of digital and non-digital, non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial systems, built on discovery of the the seminal "principles of 'BlockChain'", begins.” MQCC™ Articles and Open Secrets, MortgageQuote Canada Corp. MQCC, 18-Apr. 2019, blog-mortgagequote.blogspot.com/2019/04/the-history-of-digital-and-non-digital.html

Tuesday, 12 February 2019

MQCC response to Finance Minister William (Bill) Morneau; “A Review into the Merits of Open Banking”: Department of Finance, Canada-February 11, 2019


MQCC response to Finance Minister William (Bill) Morneau; “A Review into the Merits of Open Banking”: Department of Finance, Canada-February 11, 2019









February 11, 2019, 9:45 PM Mountain Standard (Alberta) Time
The Honourable Bill Morneau, P.C., M.P.
Minister of Finance, 
House of Commons 
Ottawa, Ontario  K1A 0A6  

Colleen Johnston, François Lafortune, Kirsten Thompson, Ilse Treurnicht
The Advisory Committee to the Open Banking Review/Financial Institutions Division
The Financial Sector Policy Branch, 
Department of Finance Canada
90 Elgin Street, 
Ottawa, Ontario, K1A 0G5

Dear Minister Morneau and team members of the “Advisory Committee on Open Banking” (ACOB),
While this is a formal response to your (Minister Morneau) most recent (January 2019) Canadian public research efforts respecting “Open Banking in Canada” (OBC) with your team members in ACOB; you and the reader will soon appreciate this correspondence today, is actually or ostensibly a continuation of the introduction to you and your Ministry colleagues (Mr. Rochon and Mr. Champagne, M.P.), which commenced on September 12, 2016.
Today, you will formally learn “how” the achievements described in the 2016 letter to you, were made. [Hint: A pre-existing “open banking system[1][2]” built on seminal “principles of ‘BlockChain’”[3]; first discovered by yours sincerely [Anoop Bungay] at least as early as August 2001[4] was commercialized in Calgary, Alberta [Canada] to serve the global public, on April 9, 2005[5]. To prove ‘above reproach’ levels of efficiency, utility, stability and conformity, a “BlockChain sub-system algorithm” built to the requirements of the National Standard of Canada for Quality Management System: CAN/CSA-ISO 9001-00 was created and for the past 12 years, continuously registered to CAN/CSA-ISO 9001:16, CAN/CSA-ISO 9001:08, CAN/CSA-ISO 9001-00 since May 9, 2008.][6]


Great to reach out to you again, Minister Morneau.
/s/
A. K. (Anoop) Bungay,  B. Comm., C-PEM®-P
Broker
MortgageQuote Canada Corp. (mortgagequote.ca)
Financial services for whom time is worth more than money.™
Alberta (AB) * British Columbia (BC) * Ontario (ON)
ON Brokerage License #12279
communication-policy.mortgagequote.ca
www.mortgagequote.ca
"Proud Sponsor of the Canadian Dream"®
An ISO 9001:2015 Registered Company

MQCC™: Money Quality Conformity Control Organization
The First Name in Global BlockChain Conformity Systems & Technology™
Developer of BlockChain Zero One™
Education * Conformity* Finance
communication-policy.mortgagequote.ca
www.mqcc.org
"Welcome to the Future of Commerce: MQCC™"
FSCO #12279 - RECA - FICOMBC
An ISO 9001:2015 Registered Company

Introduction

On January 11, 2019, the Department of Finance Canada released a consultation paper on the merits of open banking[7]. This document is the response of MQCC™: Money Quality Conformity Control Organization, incorporated as MortgageQuote Canada Corp.

Subject Document

Consultation Document[8]
A Review into the Merits of Open Banking
January 2019

Three Primary Questions

“This paper seeks stakeholder views on the following questions:”[9]

  1. Would open banking provide meaningful benefits to and improve outcomes for Canadians?  In what ways?
  2. In order for Canadians to feel confident in an open banking system, how should risks related to consumer protection, privacy, cyber security and financial stability be managed?
  3. If you are of the view that Canada should move forward with implementing an open banking system, what role and steps are appropriate for the federal government to take in the implementation of open banking?

Answers by MQCC

Question 1

Would open banking provide meaningful benefits to and improve outcomes for Canadians?  In what ways?

MQCC Answer to Question 1

Part 1: Yes.
Part 2: Please visit MQCC.org to see the ways in which a functional, national standards-class framework and related meta-operating system built on “principles of ‘BlockChain’” has developed  “Open Banking” in Canada from a seminal website www.privatelender.org [a peer-to-peer electronic finance system] in April 9, 2005, into a pan-industry, global leader, by February 11, 2019.
To be clear about some the ways: (this is a very limited list of some of “the ways”).

  • Innovations in investing (www.pemi.ca®)
  • Innovations in borrowing (www.privatelender.org; www.ourcompanyplan.com™)
  • Innovations in financial underwriting (www.mqcc.org™)
  • Innovations in technology (www.michelangelo.pro)
  • Innovations in systems (www.mqcc.org)
  • Innovations in accountability, transparency, trust
  • Innovations in private regulations
  • Discovery of “conformity science” (www.conformity.org)
  • Innovations in conformity science (quantum computing-ready algorithms)
  • Innovations in creative financial products (BITMORTGAGE.COM®, NONMORTGAGE.COM®,
  • Innovations in fiat and non-fiat payment system (www.bitmortgage.com®)
  • Innovations in industry group professional standards (PEMI® www.peminstitute.org)
  • Innovations in material risk reduction of Sovereign guaranteed contracts underwritten by the CCC (Canadian Commercial Corporation a Federal Government Corporation)
  • Innovations in international regulatory harmonization (www.globalsandbox.org™)
  • Innovations in consumer protection for digital and non-digital, non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments, secured by real estate: (www.OSBSO.org™)
  • Innovations in public stock market safety, transparency and efficiency for Stock Exchanges: Recognized or Designated (Canadian and International)
  • Innovations in Safety in Canadian Banking; tokenized control systems for Federally Regulated Financial Institutions
  • Innovations in the international standard-class of Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow financial exchanges (www.PEMX.com®)
  • Innovations in BlockChain based systems and technology
  • Development of the “regulatory recognized systems and technology” file classification: (.rrst™)
  • Development of the Open Commerce Protocol for computer systems developed by Bungay International Inc. (.ocp™)
  • MQCC’s system and Technology is empirically proven to save the Average Big 5 Canadian Bank over $200M per year over the first 3 years, just in efficiencies.

Question 2

In order for Canadians to feel confident in an open banking system, how should risks related to consumer protection, privacy, cyber security and financial stability be managed?

MQCC Answer to Question 2

The Government of Canada should consider investing in a country-level license of MQCC’s seminal “open banking systems and technology” which is is the ONLY one of it’s kind which is described today as:
The world's first internationally recognized, pan-industry,  pan-functional, energy-efficient, resource-efficient, quantum computing-ready, platform agnostic, bespoke, unified, defense standard, military/law enforcement-grade, turn-key, plug 'n play (PnP), end-to-end (E2E), interoperable, "secure, risk-based meta-operating system" designed to provide real-time assurance of statutory, regulatory and process conformity for any public sector (government), private sector (regulated and non-regulated commerce) and non-government organization (NGO).  A functional system built in accordance to the MQCC Artificial Algorithmic Intelligent (AAI™) brand of self-learning systems-standards and seminal MQCC "BlockChain" principles establishes "at-a-glance" levels of trust, accountability, transparency, responsiveness and efficiency. Empirical longitudinal studies, 12 years of annual systems audit by independent auditors and 12 years of continual registration to the National and International Quality Management System standard of 119 countries: ISO 9001:2015, empirically proves that MQCC systems and technology provide immediate benefits, may be rapidly deployed, may be scaled to any size entity; and result in increased revenue and profitability; increased cost savings; and reduced risk of loss and expenditure for any purpose, including “open banking”; and non-open banking finance”. Celebrating over 19 years of successful pre-commercial research, discovery, development, commercialization, litigation-tested, regulator-audited, regulatory-recognized, continual operation and continual improvement. 
Further, MQCC’s “open banking system” systems and technology, in terms of: consumer protection, privacy and cyber security systems and technology is the world’s first that is described to meet:
WTO-TBT (World Trade Organization-Technical Barriers to Trade) Standard,
OECD (Organisation for Economic Co-operation and Development)-Standard,
G-7 Grade "Eight Element Principle™" &
NIST (National Institute of Standards and Technology) Framework-Core Cybersecurity Standards,
BlockChain-based Enforced Compliance:

◙ Global Financial Network
◙ Regulatory Harmonized meta-Operating System
◙ Commercial Innovation Development Environment
◙ Global Sandbox for testing & deploying innovations in international trade
MQCC is also recognized globally as:
+Inventor of the world's first Defense Standard, Military/Law Enforcement-Grade, NIST (National Institute of Standards and Technology) Framework Core-Standard, Integrated Policies & Procedures (IPP™) Cybersecurity Core BlockChain System (MQCC IPP™Cyberlockchain™) & Engineered Privacy BlockChain algorithm.
Example 1 of 2: Recently, a Canadian trust company experienced a cyberattack. The MQCC bespoke system would be an excellent prevention and mitigation system for the CEO and TOP MANAGEMENT (as defined by the Canadian National Quality Management System Standard CAN/ISO 9001:16) described as:





Example 2 of 2: Recently, a Canadian Crypto Exchange lost both the life of a talented Canadian CEO and $190M Canadian investor dollars.  The MQCC systems and technology would have prevented the problem. Indeed, MQCC reached out to many “cryptoexchanges” in the past few years but “no one seems to be interested in paying for the necessary competent, proven, safeguard solutions.”.

Question 3

If you are of the view that Canada should move forward with implementing an open banking system, what role and steps are appropriate for the federal government to take in the implementation of open banking?

MQCC Answer to Question 3

The Canadian government should consider retaining Anoop Bungay for a paid consultation to understand how a mature “open banking system” was created and developed in Canada, and registered to the National Standard of Canada for Quality Management Systems for over 12 years, hiding in plain sight.  The irony of creating a good crypto financial system, is that, well, it remains a good secret.
Further, by working with MQCC, the government of Canada can become a global leader in functionally commercialized “open banking systems”.
Additionally, the Government of Canada will save millions of dollars in research and development of untrusted:
  • Proofs of concepts
  • Non-scientific based ideas
  • Unproven, business models
  • Time consuming research and development projects
With MQCC, a commercial-ready solution exists;one that is designed to be deployed at the National Level of a country, using the Canadian Treasury Board “Integrated Planning Guide”[10] as a point of reference for national-level deployment.
Moreover, the MQCC system and technology for “open banking systems” is a commercial-ready solution that meets the Canadian Privy Council and Treasury Board Cabinet Directive on Regulation[11].
Further, the MQCC system meets the standard identified by The Rt Hon. Lord Woolf (UK) respecting the need for governments to distinguish those systemso distinguish between IT (information technology) systems; namely, those systems with the distinction of providing "immediate (plug 'n play/PnP) benefits" (1-2 years) from those systems whose benefits will be realized over a medium or longer term (2-4 years; 5-10 years).[12]

The MQCC IBS&T™ designation enables prospective and existing organizations who use MQCC systems and technology (government, regulatory and corporate clients) and their respective technical professionals (scientists, process engineers, IT staff/consultants/buyers); to quickly identify (on a "prima facie" or "at-a-glance" basis), that MQCC Immediate Benefit Systems & Technology are protocols are available for implementation.
Further, the MQCC IBS&T™ distinguishing mark provides validation that MQCC systems and technology (direction/purpose, standards, parameters, guidelines[13]) meet the two most important characteristics identified by Lord Woolf, namely[14]:
  1. quick implementation
  2. realization of immediate (plug 'n play/PnP") benefits
The ability for MQCC to develop technology that creates "systems" which are able to deliver "benefits" on an "immediate (quick)" basis, did not happen overnight. Applying the principles of "BlockChain" [first identified by Anoop Bungay (Founder of MQCC) pursuant to implementation of a "peer to peer (p2p/crypto/shadow/secret/private) electronic finance system" (brought online as www.privatelender.org on April 9, 2005)] MQCC developed the ontology; standards, parameters and guidelines required in order to create a system that conforms to - what Lord Woolf or any professional would identify - having an "immediate benefit".
Development of the MQCC IBS&T™ ontology led to the discovery of a new field of study, coined as "conformity science". Visit www.conformity.org to learn more.
Required Characteristics of an MQCC Immediate Benefit Systems & Technology:
  • the system or technology must be litigation tested or regulator-audited and meet the MQCC conformity standards.
  • the system or technology must be registered to an international recognized Quality Management System standard.
  • the system or technology must audited by third party auditors at least once per 12 month period.
  • the system or technology must meet or exceed United States Federal Acquisition Regulations to meet higher-level quality standards for complex or critical processes.
  • they system or technology must be built on the MQCC universal development platform.
  • the system or technology must have been in Alpha-use or controlled Beta-use, for at least 36 months, prior to applying for the MQCC IBS&T™ designation.
Finally, the MQCC “Open Banking System” is the only one that was created with the following in mind:

Government, Regulators & Public Policy

Canada

Parliament of Canada; MQCC Letters to the Ministers, Department, Agencies
MQCC™ BlockChain Conformity Management Standard BCMS™ brand of Quality Management Systems - when registered with MQCC - are recognized by the Canadian Federal and Provincial Departments and Agencies, pursuant to legislation.  

Quality Starts at the Top: Parliament of Canada: Cabinet Directive on Regulatory Management

In accordance or reference to the following Canadian legislation and related international agreements or treaties

  • Incorporation by Reference in Regulations Act
  • Standards Council of Canada Act
  • National Research Council Act
  • Government of Canada: Innovation in the public service (Source: https://www.canada.ca/en/government/publicservice/modernizing.html)
  • Memorandum of Understanding between the Treasury Board of Canada Secretariat and the Department of Digital, Culture, Media and Sport, of the United Kingdom of Great Britain and Northern Ireland Concerning Digital Government
  • Government of Canada Strategic Plan for Information Management and Information Technology 2017 to 2021
  • Cabinet Directive on Regulatory Management; Her Majesty the Queen in Right of Canada, 2012


- Government of Canada’s Cabinet Directive on Regulatory Management - Part D, Selecting the appropriate mix of government instruments:
  • Budget Implementation Act, 1997, S.C. 1997, c. 26 (Part I: Canada Foundation for Innovation



Definition: research
means the attempt by careful scientific or technical enquiry, experimentation, study, observation, analysis and recording to discover new facts, knowledge and information, to develop new interpretations of facts, knowledge or information, or to discover new means of applying existing knowledge, relating to
(a) a science;
(b) health;
(c) engineering; or
(d) the environment

Definition: research infrastructure

means equipment, specimens, scientific collections, computer software, information databases, communications linkages and other intangible property used or to be used primarily for carrying on research, including housing and installations essential for the use and servicing of those things.
  • Department of Public Safety and Emergency Preparedness Act
  • Treasury Board of Canada Secretariat

Regulatory Cooperation

Departments and agencies are responsible for assessing the effectiveness and appropriateness of regulatory and non-regulatory instruments for achieving public policy objectives.

 Departments and agencies are to:
  • Identify the institutions and parties that should be involved in addressing the public policy issue;
  • Identify the appropriate instrument or mix of instruments, including regulatory and non-regulatory measures, and justify their application before submitting a regulatory proposal;
  • Consider potential alternatives to regulation, including voluntary standards, information disclosure, and guidelines, and whether outcome or performance based approaches would be suitable;
  • Engage small businesses in alternative approaches to compliance (including costs);
  • Demonstrate that the regulatory response is designed to address policy objectives;
  • Demonstrate that the regulatory response is proportional to the degree and type of risk;
  • Demonstrate that the regulatory response will not unduly affect areas that it was not designed to address;
  • Specify, particularly for technical regulations, regulatory requirements in terms of their performance rather than their design or descriptive characteristics; and
  • Make use of all or parts of relevant national or international standards, guidelines, and recommendations as a basis for technical regulations and for conformity assessment procedures when they fulfill intended policy objectives.
Source ISO.org & Source Canada

Canadian Government Departments, Agencies and Sector Participants: Public Policy Outreach

Regulatory Recognition

Pursuant to Canadian Parliamentary Cabinet Directive on Regulatory Management, pursuant to certification to the National Standard, MQCC's systems and technology is recognized by all Canadian and International financial sector regulatory bodies in over 119 countries.

Canadian Government, Industry Association and Regulatory Outreach


Canadian government departments, agencies and sector participants contacted by MQCC, respecting it's risk-based, unified BlockChain Conformity™ brand of quality management systems technology (BCQMS™) Quality Management System.



  • Ministry & Minister of Finance (scroll down to see letter sent in 2016)
  • Minister of Families, Children and Social Development; responsible for the Canada Mortgage and Housing Corporation) ->> Letter Sent - contact us to learn more
  • Competition Bureau ->> Letter Sent - contact us to learn more
  • Standards Council of Canada (SCC) ->> Letter Sent - contact us to learn more
  • Office of the Superintendent of Financial Institutions (OSFI) ->> Letter Sent - contact us to learn more
  • Ombudsman for Banking Services and Investments (OBSI) ->> Letter Sent - contact us to learn more
  • Financial Services Commission of Ontario (FSCO) ->> Letter Sent - contact us to learn more
  • Financial Services Commission BC (FICOM) - contact us to learn more
  • Real Estate Council of Alberta (RECA) ->> Letter Sent - contact us to learn more
  • Mortgage Brokers' Regulatory Council of Canada (MBRCC) ->> Letter Sent - contact us to learn more
  • Ontario Securities Commission (OSC) ->> Letter Sent - contact us to learn more
  • Canadian Bankers Association (CBA) ->> Letter Sent - contact us to learn more
  • CMHC Canada Mortgage and Housing Company ->> Letter Sent - contact us to learn more
  • Canadian Commercial Corporation (CCC) ->> Letter Sent - contact us to learn more
  • And more.


Draw on MQCC's expertise on international quality management standards to help maintain safety and soundness in the finance sector at any level, federal, provincial. Use MQCC's risk-based, unified BlockChain Conformity™ brand of quality management systems technology (BCQMS™) to help develop, implement, enforce, evaluate public policy.
Establish certifiable levels of Trust and Confidence into your federal or provincial “Open Banking System” or finance sector, at an institutional, company or industry member. MQCC BlockChain integrated Quality Management Principles are universally applicable so our technology provides the technical basis on which processes can be put into practice, in any jurisdiction, country or region.
Learn more: see Quality Starts at the Top: Parliament of Canada by emailing anoop.bungay@mqcc.org for your personal consultation, on a peer-to-peer (person to person) basis.

Final Notes: MQCC - MortgageQuote Canada Corp. - Bungay International Inc.

Canada’s hidden treasure; hiding in plain sight.

Excerpt below from www.mqcc.org.

+The MQCC™:  An organization of "Firsts", starting first with the Finance Sector

+First developer of BlockChain systems, technology, services and products in Finance (2001 onward).
+Developer of the world's first meta-BlockChain protocol; an inherently "non-mining" solution.
+Inventor of the First Application of BlockChain-in-Finance; serving the global community since at least before April 9, 2005.
+Inventor of the world's first BlockChain quality management system (BQMS™) and certified BlockChain quality management system (CBQMS™) - trademark branded as the MQCC uQMS™Unified Quality Management System - registered to ISO 9001:2000, ISO 9001:2008, ISO 9001:2015.
+Developer of the MQCC BlockChain Conformity Management System (BCMS™) Standards.
+Inventor of the world's first Secure Risk-Based meta-Operating System.
+Inventor of the world's first BlockChain platform network (MQCC BlockChain aka MQCC Network) registered to the international standard of Quality Management Systems since May 9, 2008.
+Developer of the first commercially available, pan-industry, pan-functional, self-correcting, regulator-audited, hybrid-regulated, enterprise level, end-to-end, Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance global, interoperable, meta-operating system built on MQCC™ BlockChain Principles (The technical title is the "Bungay Unification of Quantum Processes Algorithm") first identify by MQCC's founder: Anoop Bungay (2005 onward). Read every page of "TextbookBlockChain.com" to learn more.
+Inventor of the world's first National and International Standards-class, global, Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow credit intermediation & financial system; based upon MQCC Transmundane™ version of the World's first "global meta-operating system"; for 119 countries.
+Developer of the world's first "open banking systems" protocol that integrates the "principles of 'BlockChain'" with a pan-industry, pan-functional, self-correcting, regulator-audited, hybrid-regulated, enterprise level, end-to-end, Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance global, interoperable, meta-operating system.
+Inventor of the world's first National and International Standards-class, global,institutional credit intermediation & financial system; based upon MQCC Transmundane™ version of the World's first "global meta-operating system"; registered to the National Standard of 119 countries for Quality Management Systems.
+Developer of the world's first conformity system ontology based upon  multi-discipline convergence of science, engineering, law and finance.
+Developer of the world's first litigation tested meta-operating system; litigation tested by member organizations of the ICLR (International Conference of Legal Regulators) in 2013, for a transaction originated in 2010.
MQCC: Tested by Lawyers; Trusted by Lawyers™
+Developer of the world's first integrated, unified, governance-function, legal-function and operation-function based BlockChain protocol, within a Quality Management System layer.
+Developer of the world's first "proof-of-quality" (POQ™) token process.
+Developer of the MQCC "Highest and Best System State™" Standards
+Inventor of the world's first Defense Standard, Military/Law Enforcement-Grade, NIST (National Institute of Standards and Technology) Framework Core-Standard, Integrated Policies & Procedures (IPP™) Cybersecurity Core BlockChain System (MQCC IPP™Cyberlockchain™) & Engineered Privacy BlockChain algorithm.
+Developer of the world's National and International Standards based, safest peer-to-peer (P2P)/private/crypto/secret/shadow financial system.
+Developer of the world's first "cold-crypto" network integration protocol, for traditional "hot crypto" networks.
+First developer of a commercially available, fully regulated, enterprise level, end-to-end, global institutional banking and finance meta-operating system (2005 onward).
+First & only developer of a the world's oldest, safest and most trusted crypto- and noncrypto financial system continuously registered to ISO 9001:2000, ISO 9001:2008, ISO 9001:2015. Bringing quality, transparent, accountable and  efficient methods and process to ANY financial transaction between industry and consumer (2008 onward).
+Developer of the world's first pan-jurisdiction (national and international) harmonized regulatory BlockChain protocol, assuring "cross-border" conformity of disparate regulations on a digital basis (digital conformity)..
+Developer of the world's first self-learning/self-correcting system built on and in AI (artificial intelligence) algorithm-based ecosystem. With component systems built on the meta-operating system MQCC (R)evolution.
+Developer of the "NOCLAR - NOPROBLEM™" MQCC™ BlockChain subsystem application; the world's first system for organizations who employ third party, fiduciary-standard, independent auditors whose role is to ensure conformity to statutory and regulatory (laws and regulations) requirements; and report instances of non-conformity to laws and regulations (NOCLAR.org) to fourth parties including: boards of directors, shareholders, regulatory bodies, law enforcement entities.
+Developer of the world's first commercially available MQCC Quantum BlockChain Framework™ for transforming "classical organizations" into safer, better and more efficient, "quantum organizations". Quantum Computing Ready: once user-friendly technology is made available, the classical MQCC process algorithms can be converted to quantum MQCC process algorithms on future MQCC Quantum™server appliances.
+Developer of MQCC Quantum™ Management Excellence: A methodology for early adopting Multinationals, to have a have permanent - MQCC BlockChain-based systems - that offer quantum competitive advantage; including: organization resiliency, increased profitability, permanent loss/waste prevention and continuous improvement.
Registered to the National Standard of 119 Countries.
Please take the time to read the www.mqcc.org  entire website for all the proof you might need.  You may need to register and pay a fee for access to intellectual property.
 Proven BlockChain based Quality-in-Finance is limited and therefore at a premium.
You have not heard of a company like MQCC™ before, because it has not existed before.
 Contact ceo@mqcc.org or anoop.bungay@mqcc.org to start your journey, today.
Money Quality Conformity Control Organization MQCC™
Registered as MortgageQuote Canada Corp.
Head Office: 548 Rundleridge Drive NE, Calgary, Alberta T1Y-2K7
Toll Free Phone: +1-866-948-7283 Toll Free Fax: +1-866-948-3291
Canada - Global (FSCO #12279) Web: www.mqcc.org Email: info@mqcc.org.
An ISO 9001:2015 Registered Company.
Copyright 2019. All rights reserved.
[1] “Open banking system” is a term of art; defined as “a framework where consumers and businesses can authorize third party financial service providers to access their financial transaction data, using secure online [“binary digit” or “electronic”] channels.”  January 19, 2019: Department of Finance: Canada: A Review into the Merits of Open Banking https://www.fin.gc.ca/activty/consult/2019/ob-bo/pdf/obbo-report-rapport-eng.pdf
[2] The April 9, 2005 system and technology effected both digital and non-digital, non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments, secured by real estate; and its obverse.
[3] Visit www.mqcc.org to lean more or email anoop.bungay@mqcc.org (will try and answer all inquiries as best as possible).
[4] ibid.
[5] www.privatelender.org Internet Corporation for Assigned Names and Numbers. (whois.icann.org)
[6] www.mqcc.org; www.bitmortgage®.org; www.conformity.org Registered for the scope of mortgage banking (‘lending’ in Canada) and mortgage brokerage services [real estate and non-real estate secured credit intermediation].
[7] January 11, 2019 – Ottawa, Ontario – Department of Finance Canada; Department of Finance Canada Launches Consultations on Open Banking; https://www.fin.gc.ca/n19/19-002-eng.asp
[8] January 2019; A Review into the Merits of Open Banking      https://www.fin.gc.ca/activty/consult/2019/ob-bo/obbo-report-rapport-eng.asp
[9] ibid.
[10] Canada Treasury Board: April 2007; Integrated planning guide https://www.tbs-sct.gc.ca/gui/plannpr-eng.asp
[11] https://www.canada.ca/en/treasury-board-secretariat/services/federal-regulatory-management/guidelines-tools/cabinet-directive-regulation.html
[12] Great Britain: Lord Chancellor's Department: Woolf, Harold; Access to Justice: Final Report to the Lord Chancellor on the Civil Justice System in England and Wales(Great Britain: Stationery Office Books, 1996-July); Section VI; Chapter 21; Para 1,31.
[13] ibid. Section VI; Chapter 21; Para 35.

[14] ibid. Section VI; Chapter 21; Para 1.
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