What Happens When a Non-Verified, Actual or Ostensible UK 'British Subject' (an "Englishman") Reaches Out to Anoop Bungay, CEO of MQCC™, the "World's First BlockChain Company™" and Creator of the Originating, Safe, Conforming, NonVolatile, BITCOIN™ Trademark Brand Service

What Happens When a Non-Verified, Actual or Ostensible UK 'British Subject' (an "Englishman") Reaches Out to Anoop Bungay, CEO of MQCC™, the "World's First BlockChain Company™" and Creator of the Originating, Safe, Conforming, NonVolatile, BITCOIN™ Trademark Brand Service

Hello team,

An individual actually or ostensibly based in the United Kingdom of Great Britain and Northern sent the following message:

Hi Anoop

Thanks so much for sharing this document. I am blown away my friend!

I dont want to edit but this is the only way that I could contact you.

Drop me a [REDACTED - XXXXX]. Would be great to have a chat with you

 

Here is the response (with some editing and inclusions of missing items);

[REDACTED] Esq.,

[REDACTED]

[REDACTED],

Kindly respect this very private and ultra confidential email to you and as a courtesy for your lifetime; so kindly do not disclose (advertently or inadvertently) this private email to you or the contents of this private email to you with any other party or, regrettable, any future communication or business agreements between you and MQCC™ will cease and be forever invalidated. This is how trust is established - and maintained. Welcome to Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Global Commerce™. You probably were not expecting this so quickly, eh?

Good day to you, thank you for reaching out. Kindly grant the courtesy of transparency and disclose:

(1) How did you year about MQCC™?

(2) Which website did you visit to access the below list? [visit www.WIPOBlockChain.com] to see the list.

Finally, after you email me answers to the above questions, PLEASE immediately (or "asap"), go to your local Amazon.com or Google.com Books and -----[since Her Majesty, Queen Elizabeth II is your Head of State and since the originating trademark source identifier "Principles of 'BlockChain'™" (www.BlockChain.sl) trademark brand, BITCOIN™ (www.bitcoin.eco) system was validated by organizations, some of which that her grandfather Chartered (and Her Majesty re-confirmed) for the good and proper functioning of the Great Britain] --- purchase the following introductory trademark UOK™ Unit of Knowledge for UK Residents, UK CEO's, UK Business Promoters, UK Social Media Promoters and UK Students: Anoop Bungay, Global Standard, BlockChain, bitcoin, The UK Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce, Finance & Academia; British Subjects, Citizen, Resident

• The book costs you [approximately] £7.66;  and was priced to be affordable so that your children, nieces, nephews, grand children and future generations can learn the concepts and principles (known as the MQCC™ trademark: The Knowledge™] correctly and properly without having to pay for tuition. Please understand, yours sincerely brought the trademark DEMOCRACY-IN-FINANCE® goods and services to your world and step 1 in democracy is to learn; and so is Step 1 of interacting with MQCC™. Plus the textbooks service as course material at MQCC Corporate University™ [www.MQUCC.org]

• If you have read the textbook, then, as it says at the back of the textbook, you are free to contact me; and my email is found at that page.

2020 celebrates over 20 years of "Observed, Discovered, Tested, Developed, Created, Re-Tested, Commercialized, Regulatory-Integrated, National and International Standardized and Continually Improved" trademark "Principles of 'BlockChain'™"-based, trademark BITCOIN™ (www.bitcoin.eco) goods and services (see www.mqcc.org); and as you will discover: in the safe, reliable, good, safer, better and more efficient world of trust borne of transparency, verifiability, accountability, competence, proficiency, data immutability, data non-repudiation, "TALK IS CHEAP™" Why? Well, as I explained to an audience of investors at Simon Fraser University in December 2009 (want me to blow your mind, [REDACTED]? Think of what the volatile, nonconforming, C++ 'bitcoin' was worth back then!) and to paraphrase the great American poet and writer, the late Edgar Allan Poe, "BELIEVE NOTHING YOU HEAR and ONLY HALF of WHAT YOU SEE™". 

Here is the video:

Part 1 of 2

Part 2 of 2

As noted at www.mqcc.org (the parent website) Yours sincerely has reshaped human understanding of human and organization relations by formalizing the principles of non-novel (exact) conformity science (www.conformity.org) and so don't be surprised that "doing business with MQCC™ is not what you are used to; since what you are used to is not based upon principles of conformity science so you do not get the full benefits of trust borne of transparency, verifiability, accountability, competence, proficiency, data immutability, data non-repudiation. 

Well, you kind of jumped the queue [REDACTED]; and with Veterans Day and Remembrance Day; please see this tweet: MQCC™ Remembers; 

 MQCC™ is choosing to work shorter hours in order to pay respects to those who served so that we may be free; so this email to you will be my final email for today.

Please advise on (1) and (2) above; and then, please let me know you have read the book (proof of purchase will be important); and after you have read the book, please email me whatever questions you have, I will do my best to answer you.

Sincerely yours,

Here is the link in Amazon.co.uk:

Anoop Bungay Global Standard; BlockChain; bitcoin; The UK; Royal Family; The Commonwealth; Current & Future World Leaders: Government, Commerce, Finance ... (The Global Standard for BlockChain)

Here is the link in Google Books:

Anoop Bungay, Global Standard, BlockChain, bitcoin, The UK ...

  

Notice to all BLOCKCHAIN-CONSUMERS & CRYPTO-CONSUMERS, Government, Industry and Academia in UK (United Kingdom; British Subjects or Foreign Residents) or THE COMMONWEALTH: Is your "'BlockChain' and 'Crypto' Promoter" Conducting Academic Fraud and Promoting Sub-Standard Concepts of BlockChain and Crypto?

Team.

The below letter speaks for itself:

Memo to [REDACTED] RE:  Academic Institution & Programmatic Accredited Quality Standard™ Textbook: Anoop Bungay, Global Standard, BlockChain, bitcoin, The UK Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce, Finance & Academia; British Subjects, Citizen, Resident (The Global Standard for BlockChain™/®; The Global Standard for Crypto™/®)

Background:

• The below letter was sent to a party who is from UK (United Kingdom) or is a resident of a Commonwealth country and desires to invest in "BlockChain"-based "Crypto" financial instruments marketed under the trademark registered, source identifier brand names:

• FATHER OF BLOCKCHAIN® trademark brand of goods and services

• FATHER OF CRYPTO® trademark brand of goods and services

Commercialized at least as early as April 9, 2005 (www.PrivateLender.org®™) Non-Volatile, Stable, Benchmark-Setting and Standard-Setting, Trademark, Original "Principles of 'BlockChain'"™-based goods and services, proven to be safe, reliable, good; better, safer and more efficient because of continuous registration, since at least as early as May 9, 2008 to the UK (United Kingdom) National Standards, through application of a standard's based approach endorsed by the UK Government and The Queen; and, before The Queen, by her grandfather, King George V and before him, King John (the first UK Monarch to endorse the use of standards to make the Kingdom better, safer and more efficient of British Subjects and Kingdom residents....for the consumption of wine (the "London Quarter")), namely:

• ISO 9001:2000

• ISO 9001:2008

• The Risk-Based, ISO 9001:2015

Integration of these three (3) standards is this is the MINIMUM BENCHMARK and MININUM STANDARD required to be a regulatory-integrated, commercially viable, consumer trusted, Trademark, Original "Principles of 'BlockChain'"™-based goods and services.

Why? Because the Original MQCC™-administered, Bungay International Inc. "BITCOIN™ service" - commercialized at least as early as April 9, 2005 - is correctly known as the Originating Bungay International Technology (BIT™) family of trademarks brand of Conformity of Organization and Individual (COIN™) trademark brand of System-Network Peer-to-Peer Service for assuring real-time, continuous, statutory and regulatory (legal) conformity of:

1. Government and Governance
2. Industry (Commerce & Finance)
3. Academia

Systems, Technology, Services (Methods) and Products (Goods).

Remember: The Original, Safe, Reliable (Non-Volatile) Good BITCOIN created at least as early as April 9, 2005 predates the volatile, experimental, lower level C++ computer program called 'bitcoin' (created by untraceable person or persons), by over 4.5 years.

Now, below is the letter that started today's blog entry.

Letter (with some grammar edits):

REDACTED,

Please see this textbook entitled: 

PS: you might want to send the link to your friend in UK who is "promoting crypto". 

• You may as well do him a favor because a lot of "promoters" in UK might become sheepish when their audience starts asking the hard questions, like: 

• "If you ['BlockChain promoter' and 'crypto promoter'] do not know Anoop Bungay and origins of how and why Anoop Bungay created the trademark THE GLOBAL STANDARD FOR CRYPTO® and THE GLOBAL STANDARD FOR BLOCKCHAIN® at least as early as April 9, 2005 and integrated a subordinate system that conforms to UK National Standards (a "Standards-based approach", endorsed by:

• the Queen, 

• her Grandfather King George V

• and further traceable to the wishes for a "standard-based approach in matters of commerce", first endorsed by King John, who signed our Magna Carta in 1215) 

and named (the subordinate system, we are talking about); 

• ISO 9001:2000

at least as early as May 9, 2008; which is 6 months before the experimental, volatile, lower programming paradigm level C++ computer program was introduced and 9 months before the experimental, volatile, lower programming paradigm level C++ computer program was made available for download (on January 8, 2009),

then what makes you a worthy-of-trust expert for me?

Anoop Bungay, Global Standard, BlockChain, bitcoin, The UK Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce, Finance & Academia; British Subjects, Citizen, Resident (The Global Standard for BlockChain®; he Global Standard for Crypto®)

 

Found at:

• Google: Anoop Bungay Global Standard; BlockChain; bitcoin; The UK; Royal Family; The Commonwealth; Current & Future World Leaders: Government, Commerce, Finance ... (The Global Standard for BlockChain)

• Amazon: Anoop Bungay Global Standard; BlockChain; bitcoin; The UK; Royal Family; The Commonwealth; Current & Future World Leaders: Government, Commerce, Finance ... (The Global Standard for BlockChain)

Notes:

MQCC™ recently confirmed conformity to The Queen's, The Lord Chamberlain's Office standards for use of the Royal Family crest on the cover of the textbook. A textbook written for the benefit of UK residents, nationals, British Subjects and members of The Commonwealth.

Please remember, you do not have 20 years of education in

• better, safer and more efficient, low-or-no risk (no existence of "beta", public market volatility risk) and certain (non-volatile), 

• BlockChain and Crypto investing within the world of private markets (properly named: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance markets), 

like you have in the parallel world of:

• inefficient, volatile, high risk (full of "beta", public market volatility risk) and uncertain (volatile), 

• prior generation (archaic) investing, within the parallel world of public markets;

so don't be surprised that it takes up to 6 months or longer to complete the MQCC Intake™ process for its BlockChain-based MQCC™ FIDUCIARY investor & FAMILY OFFICE services.

Delivered by MQCC™ Federal Standard Fiduciaries FSF™ in the finance sector with a Chartered Private Equity Mortgage PEM® Professional designation; identified by the trademark source identifier, (a consumer safety device); C-PEM®-P, wordmark.

Best,

/s/

Anoop Bungay

PS: Where does the Academic Fraud come in?

Read this: Academic Institution & Programmatic Accredited Quality Standard™ Textbook:

Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™

ISBN: 978-1-989758-32-8  (E-Book) (Amazon® and Google®)

Find online at:

• Kindle Edition

• Google books Edition

Full citation: 

Bungay, Anoop. (2019). Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™Calgary, Alberta: MQCC™ Money Quality Conformity Control Organization incorporated as MortgageQuote Canada Corp.

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication. 

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'®

Sincerely yours,

 

 

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"^®

A finance sector process of MQCC™ Money Quality Conformity Control Organization, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: The World's First and Most Trusted "Crypto" System-Network™; established at least as early as April 9, 2005 at www.privatelender.org.

 

An ISO 9001:2015 Registered Company

 

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Money Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

Hello team,

This blog item speaks for itself.

best wishes.

PS: at the bottom of the blog, below the Terms of Reference, is the "Initial Response" thread from FSRA.

A. K. (Anoop) Bungay

MQCC - FSRA Ontario (FSRAO) - 2020 Late entry query: Mortgage Brokering Technical Advisory Committee: Anoop Bungay

Dear FSRA,

Your deadline was Thursday 29th but due to "realities of personal life in COVID19 era", regrettably, this application to be a member of your Mortgage Brokering Technical Advisory Committee arrives today (Saturday 31) - or 1 business day late. Sorry I am late; if you do not accept me due the deadline issue - notwithstanding the practical realities of "life" -  I understand. You have term limitations and you stagger your members with maturity of terms, so, to use a MQCC trademark: "Your Future is Always Open™", I trust.  

The following passage serves as a  COVER LETTER 

Dear FSRA,

My name is Anoop Bungay; Principal Broker of MQCC™ incorporated as MortgageQuote Canada Corp. and a regulatee of FSRA with license #12279.

(1) You have established a "standing forum" named: Mortgage Brokering Technical Advisory Committee and yours sincerely is interested in being a member, subject to your acceptance.

(2) Respecting how yours sincerely's experience aligns with the member qualifications outlined below:

Members of the TAC should be senior members of their respective organization or profession who have operational experience and can represent their organization or profession on relevant issues related to the mortgage or related industry.

Please note the following:

• Since at least as early as May 9, 2008, yours sincerely established pan-Provincial harmonized, federal-National-standard-registered, consumer safety standards for both non-depository mortgage banking (both regulated and non-regulated) and non-depository credit intermediation (both regulated and non-regulated).

• yours sincerely established the federal-National-standard-registered learning, education, training (LET) and competency and proficiency standards for regulated and non-regulated persons who seek to trade in "private lending" (known by its correct and proper terminology: 

• Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance

• yours sincerely established the Private Equity Mortgage Institute PEMI® (www.peminstitute.org), which serves as a source identifier and consumer protection function to assure consumers, government and industry of minimum standards of quality, safety, efficiency and efficacy in matters relate to both non-depository mortgage banking (both regulated and non-regulated) and non-depository credit intermediation (both regulated and non-regulated).
  

• At least as early as April 9, 2005; yours sincerely created the world's first "BlockChain" company for trading in "crypto-financial" [  Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance ]  products using the world's first commercial and regulatory-integrated application of "utility tokens, securities tokens and smart contracts" through application of the BIT™ trademark brand of COIN™ trademark system-network; a non-volatile utility token service that predates the volatile, experimental, lower level C++ computer program called 'bitcoin', by over 4.5 years.

• MQCC is continuously registered to the risk-based ISO 9001:2015 since at least as early as May 9, 2008 and the ONLY other Canada finance-related organization to make this claim is the BANK OF CANADA.

• Unlike the common and incorrect understanding, Peer-to-Peer real estate secured financial instruments (mortgages) were the first application of "BlockChain" and BIT™ brand COIN™ brand utility tokens; and in 2020, the "Observance, Discovery, Testing, Development, Creation, Re-Testing, Commercialization, Regulatory-Integration, National and International Standardization and Continual Improvement" of commercialized, regulatory-integrated, "BlockChain" and BIT™ brand COIN™ brand utility tokens celebrates 20 years. 

• Yours sincerely also established the PEMPAC Private Equity Mortgage Professionals Association of Canada® (www.pempac.org) and formalized prescriptive standards for underwriting under the trademark brand name: GAMUS™ (www.gamus.org) (circa 2010); for both private lending and non-private lending.

• To learn more of how Anoop Bungay contributed to making Canada's mortgage sector, better, safer and more efficient with 20 years of "BlockChain" and BIT™ brand COIN™ brand utility tokens; see various correspondence spanning at least as early as 2016, with the Federal Ministry of Finance; here: 

The Honourable Bill Morneau, P.C., M.P.аа Minister of ...

www.competitionbureau.gc.ca › site › cb-bc.nsf › vwapj

PDF

Sep 12, 2016 — Regulatory Compliant Integrated Quality Management System for the Finance Sector. Dear Minister Morneau,. My name is Anoop Bungay and I ...

 

 

Mortgage Quote Canada Corp - Canada.ca

www.canada.ca › fin › consultations › ob-bo › ob-bo-52

PDF

Feb 11, 2018 — Dear Minister Morneau and team members of the “Advisory ... first discovered by yours sincerely [Anoop Bungay] at least as early as August 2001 was. 4 ... Competition Bureau ->> Letter Sent - contact us to learn more.

• Please see the attached 10MB pdf with my 2 page resume and Schedule A; if the PDF file is too large, you may see the CLOUD VERSION of CV here.

• You may read textbooks authored for the benefit of government, regulators, legal professionals, consumers, industry, elected and appointed officials, by yours sincerely, at either Amazon or Kindle as follows:

• Amazon Textbooks for Government on Kindle

• Google Textbooks for Government on Google

• Over 198 World Leaders from UN, OECD, WIPO, WTO Secretaries and Directors Generals, to Canada's Superintendent of Financial Institutions, to Ministry of Finance to Deputy Premiers of Provincial Governments and Ministers of Finance of Provincial Governments and on ward; through both direct and indirect contact.

• The list of 198 world leaders is transparent, traceable and verifiable and found here on this MQCC.org web-page:" A Message To You: A Message to the World.

Finally and most importantly, yours sincerely established the technical standards for better, safer and more efficient "BlockChain" based mortgages AT LEAST as EARLY AS April 9, 2005. If your Ontario TAC members ever raise terms and concepts that include the words, "BlockChain" or "Utility Token" or "Securities Token" or Peer-to-Peer mortgages, then your TAC may desire to include yours sincerely in your group. After all, yours sincerely not only "wrote the book, he created the system, set the standard and has proven it works, it is safe and functions in a regulatory integrated environment for over 15 years". 

MQCC is demonstrably the future of consumer safety in Canada; and what you see in this cover letter is a fraction of 20 years of development and regulatory-integrated, error and omissions-integrated, innovation that works. Indeed, if Mortgage Brokers want to experiment with their own innovation, they can even apply to work in the MQCC BlockChain Sandbox (www.BlockChainSandBox.org). 

Sincerely Yours,

Anoop Bungay

--

HERE TO SERVE YOU: WORTHY-OF-YOUR-TRUST QUALITY™. If you have questions, please contact me at your convenience. In order to prevent errors and omissions, email is the preferred choice of communication. 

Thank you for choosing MortgageQuote Canada Corp., 'Proud sponsor of the Canadian dream.'®

Sincerely yours,

 

 

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"^®

A finance sector process of MQCC™ Money Quality Conformity Control Organization, incorporated in September 2006 as MortgageQuote Canada Corp.: the World's First BlockChain Company™; the World's Most Trusted BlockChain Company™: www.mqcc.org; and Global Network Administrator (GNA™) of the Bungay International Technology (BIT™) Conformity of Organization and Individuals Network (COIN™) Global System-Network: The World's First and Most Trusted "Crypto" System-Network™; established at least as early as April 9, 2005 at www.privatelender.org.

 

An ISO 9001:2015 Registered Company

 

PRIVILEGE AND CONFIDENTIALITY NOTICE

MortgageQuote Canada Corp. (mortgagequote.ca) is a member of the Money Quality Conformity Control Organization MQCC™ network. MQCC™ (MQCC.org) is a global finance, conformity and education business providing client services worldwide directly or through its member firms and affiliates. This email may be confidential and protected by privilege on a legal basis. If you are not the intended recipient, disclosure, copying, distribution and use of the email matter including URL links and related attachments, are prohibited; please notify the sender immediately and delete this email and related attachments from your systems. Unsubscribe from Automatic MQCC Ai-CRM Emails). MQCC Legal Notices.

Reference:

Terms of reference

Introduction

FSRA is seeking mortgage industry representatives to participate on the Mortgage Brokering Technical Advisory Committee (TAC). TAC members will provide FSRA their observations on market conditions and operations. These include issues and challenges that consumers seeking credit and/or the industry face. The TAC would also provide input and suggestions for improving the mortgage brokering industry while supporting consumer protection.  

The TAC will be an important part of FSRA’s stakeholder engagement process. It will assist FSRA in developing its policy and supervisory approaches for the mortgage brokering sector. The TAC will help FSRA stay current on developments in and issues facing the sector. This will enable stakeholders to provide timely advice and feedback.

TACs are different from Stakeholder Advisory Committees (SACs). Technical advisory groups and committees provide advice, input and feedback to FSRA management on matters related to the Rules of Practice and Procedure, Filing Requirements, Guidelines, operational policies and other matters. SACs serve as consultation bodies to the FSRA Board on FSRA's priorities and budget and other matters as the Board deems appropriate

Mandate

The TAC will be a standing forum for FSRA management and stakeholders to:

• Exchange information and views about the mortgage and real estate markets and any key developments;
• Discuss any emerging real estate finance issues, as well as innovation in the industry;
• Assess any impact to (a) consumer protection, (b) borrowers’ access to credit and (c) the business and operations of the industry;
• Provide input its annual supervision focus and business plan;
• Review current FSRA requirements and processes, and provide suggestions to modernize requirements and/or reduce burden; and
• Provide input to FSRA policy development, including guidance.

TAC membership

Nomination Process	To apply, send the following to MBConduct@fsrao.ca no later than October 29, 2020: Your current resume A cover letter describing your interest in the Advisory Committee and how your experience aligns with the member qualifications outlined below
Appointments and Term	FSRA will appoint members based on the skills and experience of the nominees, with an emphasis on ensuring adequate diversity in representation of different stakeholders noted below. Individual organizations cannot have more than one member on the TAC at a time. The first slate of members will have staggered terms of 1, 2 or 3 years. Subsequently, members will be appointed for 3-year terms. FSRA will post the names of TAC members on its website.
Committee Size	FSRA is seeking 10 – 12 industry representatives to be members of the TAC. FSRA may choose to add or remove a member at any time.
Member Representation	The TAC will have representation from stakeholders with different business models that are involved in different aspects of a mortgage transaction, including: originating or brokering mortgages, Brokerages that are independent Brokerages that are affiliated with mortgage investors such as mortgage investment companies and investment funds Brokerages participating in various product types such as single-family mortgages, commercial mortgages and development financing mortgages underwriting mortgages lending / investing, Lenders in different risk classes of mortgages, including senior mortgage lenders, mezzanine lenders, and acquisition or bridge financing lenders administering mortgages, structuring mortgage-based investments, property appraisal, and risk management or compliance. The TAC will also include at least: one member representing consumers who is familiar with the mortgage brokering industry, and one member with expertise in analyzing how macro issues in the broader economy and the real estate market could impact borrowers’ access to credit and the mortgage market, such as from academic or research institutions.
Member Qualifications	Members of the TAC should be senior members of their respective organization or profession who have operational experience and can represent their organization or profession on relevant issues related to the mortgage or related industry.
Member Responsibilities	FSRA expects TAC members to: review background material in preparation for meetings attend meetings provide advice, proposals and feedback to FSRA use best efforts to, where possible, develop consensus provide feedback to FSRA on the functioning of the TAC
FSRA Members and Other Attendees	FSRA’s Head, Financial Institutions and Mortgage Brokerage Conduct or his/her designate will chair the TAC. FSRA’s CEO, other FSRA staff and Ministry of Finance staff may participate in the TAC as ex officio members or may attend meetings as needed based on issues discussed. The Chair may invite representatives from other government agencies as observers at meetings, with prior notification to TAC Members.

TAC outcomes

• More proactive and proportional supervision to address misconduct causing consumer harm that arises from changing or emerging market conditions, business models or practices;
• More timely evolution of FSRA’s supervision and policy making to reduce unnecessary burden to the industry and to accommodate responsible innovation by the industry; and
• A regulatory framework for the mortgage brokering industry that appropriately balances consumer protection, industry efficiency and proportional supervision.

The TAC’s role is advisory in nature. FSRA will consider its advice and recommendations in supervision and policy development for the mortgage brokering sector. However, they may or may not result in action or policy change.

Confidentiality

The Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c.F.31, as amended, will (unless otherwise specified by FSRA) apply to information provided by FSRA to the TAC and to material prepared by or for the TAC for presentation or delivery to FSRA.

TAC members may be required to sign a Non-Disclosure Agreement before assuming a position on the TAC or for specific meetings.

TAC members are permitted to obtain assistance from colleagues or collaborators. However, TAC members and those who assist them are required to maintain the confidentiality of all information provided to the TAC, or prepared by or for the TAC for presentation or delivery to FSRA, with the exception of information made public by FSRA, including any submissions by the TAC or its members as part of a public comment process sponsored by FSRA.

Meetings, agendas and deliverables

The TAC will meet three to four times each calendar year. The Chair may call additional meetings as required. The first meeting is expected to be held in November 2020. 

FSRA staff will provide administrative support for the TAC, including meeting coordination, distribution of agendas, briefing materials, meeting summaries, and other related materials.  FSRA will endeavour to provide the meeting agenda and materials to TAC members at least seven business days before each meeting.

Quorum for a meeting of the TAC will be more than 50 per cent of its members present either in person or via remote conferencing.

At each TAC meeting, FSRA will take minutes to record general discussion topics and formal recommendations. The minutes will be accepted and approved by the TAC at its next meeting or sooner by e-mail if requested. TAC minutes may also be posted on FSRA’s website. Periodically, the Chair may request an in camera session with TAC members to facilitate gathering of sensitive market intelligence to inform public policy. In these cases, minutes will not be recorded.

Initial Response Thread from FSRA, with Anoop Bungay Comments in return (ABC In Return™)

Initial Response

On Mon, Nov 2, 2020 at 5:20 AM MBConduct <MBConduct@fsrao.ca> wrote:

Hello,

 

Thank you for your interest in participating on the Technical Advisory Committee (TAC) for the Mortgage Brokering Sector. We have received your submission.

 

FSRA will select members based on their professional experience in mortgage brokering, mortgage investment and real estate financing, and their knowledge of relevant issues and senior level experience.  FSRA will also consider the applicant’s submission regarding their interest and experience.

 

If you are selected for the TAC, you will be contacted directly regarding next steps.

 

Anoop Bungay Comments (ABC In Return™)

Nov 2, 2020, 10:15 AM

Thank you [FSRA]

The only "issue" that I foresee, writ large, is that the delta of knowledge between myself and the industry spans several decades. MQCC - for the past 13 years - has established Canada ONLY consumer protection protocols in the finance sector, registered to Canadian Federal Standards, and it takes a CEO of a mortgage brokerage firm (or investment firm) at least 4 years for a competent, commercially viable-grade-level of understanding (at a Bachelor Academic Level) and more years of learning, education and training (LET) for a proficient level of competency. And given that MQCC, for over 15 years is World's First BlockChain Company™; the World's Most Trusted BlockChain Company™ and approximately 99.95% of it's systems, technologies, services (methods) and products (goods) are built on trademark "Principles of 'BlockChain'"™, including a repertoire of processes or functions spanning 20 years including :

• conformity science "BlockChain"-based mortgage origination
• conformity science "BlockChain"-based mortgage underwriting
• conformity science "BlockChain"-based mortgage brokerage governance
• conformity science "BlockChain"-based mortgage brokerage management
  
• conformity science "BlockChain"-based mortgage brokerage operations
• conformity science "BlockChain"-based investor accountability
• conformity science "BlockChain"-based borrower accountability
• conformity science "BlockChain"-based regulatory accountability
• conformity science "BlockChain"-based errors and omissions insurance integration
• conformity science "BlockChain"-based sales, advertising, human resources
• conformity science "BlockChain"-based conformity and nonconformity corrective action; preventive action 
• not a complete list

Should I be called to provide input, my contributions would be more of a "here is how MQCC solved this problem or process", through 20 years of successful and proven application of stable, regulatory-integrated, Canadian Federal Standards-registered systems, technologies, services and products built using principles non-novel (exact) conformity science; in order to make sure that consumers, regulators, investors, regulatees, shareholders and stakeholders have the highest level of satisfaction; and to further make sure that errors and omissions caused by humans or processes (at a systems-level) are prevented, corrected or identified and eliminated.

More or less, MQCC's involvement would be as a point of guidance to show "what can be done" because "it has already been done".

You and your team should also consider taking the time to read the following (which are not yet in textbook form);

• MQCC™ CMHC BlockChain™ - Introductory Principles and Concepts; found at www.cmhcBlockChain.com

• MQCC™ SEC BlockChain™ - Introductory Principles and Concepts; found at www.secBlockChain.org

Finally, MQCC is already vetted by OSC and FSRA in prior years; you may canvas your office; after your creation of FSRA, I understand that some staffing changes may mean that some of the prior persons are no longer at FSRA; but their activity records should remain available for study (subject to your organization's privacy policy respecting accessing information for purpose that was not intended).

Best,

/s/

Anoop Bungay