Checked "No" on your renewal by mistake? In Michalopoulos v. FSRA, a mortgage agent faced a license refusal for failing to disclose past convictions. FSRA argued he was "unsuitable," but the Tribunal disagreed. Why? Because he held "Secret Level" security clearance and was honest with his broker. This decision proves that a disclosure error doesn't have to end your career. The Tribunal ordered a "Conditional License" instead of a ban. Learn how we can use this precedent to negotiate supervision and save your license. Your past doesn't have to dictate your future.
Received a Notice of Proposal to refuse your license due to a "Material Misstatement"? It is a terrifying moment, but a groundbreaking new decision from the Ontario Divisional Court (Ontario v. Ahuja) confirms that a disclosure error is no longer an automatic career barrier. The Court ruled that FSRA cannot simply ban applicants for past mistakes if the public can be effectively protected through "Conditional Licensing." This post explains how this new legal precedent works, why "unclean hands" aren't fatal to your application, and how we can help you negotiate a supervision plan that keeps you in business. Don't give up, as you have legal options.