MQCC® BLOCKCHAIN™
for
JUDGES; LAWYERS
Judges, Judiciary, Courts (District, Appellate, Supreme); Legal Professionals, Policy Makers, Regulators, Scientists, Academics/Educators, Risk Management & Insurance (RMI) Professionals, Bankers
Embedded Files
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Your Authoritative, Globally Accessible, Primary Source of Scientific and Professional Knowledge for Members of the Legal Profession, Worldwide. Providing authoritative reference to legal professionals on the science and application of over 20 years (August 14, 2001 - 2021+) of observation, discovery, development, testing, commercialization of risk-based, corporate risk-insurable, statutory and regulatory-integrated, military-grade, defense-standard, de jure Federal National and International Standards-integrated, de facto global standards and knowledge matters related to pan-industry applications of conformity science including Authentic Originating BITCOIN™ and "CRYPTO" concept systems.
www.BlockChainForJudges.org / www.BlockChainForLawyers.org / www.BlockChainForRegulators.org / www.BlockChainForTeachers.org / www.BlockChainForBankers.org / www.BlockChainforInsurers.org
www.cryptoforjudges.org / www.CryptoForLawyers.net / www.CryptoForBankers.com / www.BitcoinforLawyers.org
including matters related to applied conformity concepts systems including commercialized Authentic Originating BITCOIN™ and general "CRYPTO"
BUILT ON BLOCKCHAIN™
BE WARY, BE WARNED®
ACCREDITED CLASS® Education for elected officials and liability-insured professionals, since at least as early as 2005
PUBLIC NOTICE to ALL Legal Professionals and Members of the Judiciary:
"The world -- writ large -- has, at best, a misdescriptive understanding of the origins, history, risks; nature, quality, character, feature, form, function, characteristics, extent and purpose of correct and proper applications of non-novel (exact) conformity science, generically known as "crypto", and at worse, a deceptively misdescriptive understanding.
-ANOOP BUNGAY, FOUNDER: MQCC® and BUNGAY INTERNATIONAL
Since at least as early as April 9, 2005, Commercial applications based upon the Units of Knowledge (UOK™) and Kind of Activity Units described herein are successfully,
Scrutinized by government, quasi-government or private licensing, accreditation or enforcement bodies or,
Audited by government, quasi-government or private licensing, accreditation or enforcement bodies and,
Litigation-tested by one or more law societies and members of the International Conference of Legal Regulators (ICLR)
MQCC® BLOCKCHAIN™ for Lawyers is an initiative of MQCC® (MortgageQuote Canada Corp.) and BII™ (Bungay International Inc. ) and related organizations. The Pioneer (creator, developer and standards setter) of non-novel (exact) conformity science based applications of goods and services used-in-commerce, namely,
BLOCKCHAIN™
BITCOIN™
CRYPTO™
NFT™
CYBERLOCKCHAIN™
not a complete list
Family brands of consensus federal, National Standards (de jure) registered quality management systems and quality management systems integrated goods and services designed to manage risk, reduce uncertainty and create positive risk within regulated and non-regulated corporations and organizations.
A Message for Elected Officials, Policy Makers, Scholars, Scientist and Legal Professionals (Attorney, Barrister, Solicitor, Lawyer, Notary)
A Message for Elected Officials, Policy Makers, Scholars, Scientist and Legal Professionals (Attorney, Barrister, Solicitor, Lawyer, Notary)
Matters Regarding the International Conference of Legal Regulators (ICLR)
Matters Regarding the International Conference of Legal Regulators (ICLR)
Notice to World-wide Lawyers: Dear lawyer: you should be aware that at least as early as 2013 - (current year is 2022, so, over 11 years earlier) the MQCC® Suite™ of commercialized standards, systems, technology, services (methods, processes) and products (goods, wares) are litigation-tested by one or more members of the International Conference of Legal Regulators (ICLR); of which members include the following leadership and regulatory organizations, domiciled on Earth; trusted to provide learning, education, training, testing, accreditation, regulation and practice management oversight for your and your fellow members of the legal professional:
American Bar Association, USA
DC Bar
Federation of Law Societies of Canada
Law Society of Alberta
Law Society of British Columbia
Law Society of Hong Kong
Law Society of Ireland
Law Society of Manitoba
Law Society of Saskatchewan
Law Society of Singapore
Law Society of Upper Canada
Legal Profession Board of Tasmania
Massachusetts Board of Bar Overseers
Ministry of Law (Singapore)
National Center for State Courts (USA)
Netherlands Bar
Nova Scotia Barristers’ Society (Canada)
Office of Disciplinary Counsel (Pennsylvania)
Office of Disciplinary Counsel (South Carolina)
Office of Disciplinary Counsel (Washington)
Office of Lawyer Regulation (Wisconsin)
Office of the Counsel for Discipline (Nebraska)
Qatar Financial Centre Authority
Solicitors Regulation Authority (United Kingdom)
State Bar of Georgia
Supreme Court of Singapore
Victorian Legal Services Board + Commissioner (Australia)
The Legal, Regulatory, Education and Science Profession's Official Source of:
Disambiguation of Generic Science, Terminology & Non-Generic (proprietary) Intellectual Property
Disambiguation of Generic Science, Terminology & Non-Generic (proprietary) Intellectual Property
Is It A BlockChain?™
Is It A BlockChain?™
Learn the correct and proper: nature, quality, character, characteristics, function, feature, purpose, form or extent of the distinction that distinguishes the generic (general) scientific principles borne of non-novel (exact) conformity science from the distinctive trademark source identifier: BLOCKCHAIN™ owned by MQCC Bungay International LLC
Conformity is the non-novel (exact) science
Quality Management Theory is generic sub concept system; Quality Management Systems is the Generic Name and BLOCKCHAIN™ is the trademark source identifier name when applied in commerce.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® Law Profession Regulator Outreach (regulator level; International)
MQCC® Law Profession Regulator Outreach (regulator level; International)
International Conference of Legal Regulators (www.iclr.net)
International Conference of Legal Regulators (www.iclr.net)
Dec 21, 2018, 5:53 PM
Dec 21, 2018, 5:53 PM
--- Replying to this email will not send a message
directly to the recipient or group ---
Thank you for your message to the International Conference of Legal Regulators. We will reply you as soon as possible.
This is a copy of the message you sent:
Name: Anoop Bungay
Email: anoop.bungay@mqcc.org
Subject: Introduction to ICLR by Anoop Bungay; MQCC: This nexus of Law, Legal Regulation and First Application of "Blockchain Principles" in Commerce & Litigation Tested by Legal Regulators
Message: Good afternoon ICLR (Mr. Matthew Fellowes (UK, SRA), I trust);
My name is Anoop Bungay. You will discover that your's truly developed the first application of "blockchain principles" in commerce; was for implementation of a "peer-to-peer electronic finance system with in-built statutory, regulatory and process controls", pre-2005. This initial development evolved into what is described today as: "a World's First "Self Learning AI (Artificial Intelligent) System", [a meta-operating system for organizations] to ensure a regulated entity [ie: law firm] functions in a manner that conforms to statutory, regulatory and process requirements, in real-time.
The reason you are receiving this email is because ICLR and it's members need to know that the world's first system of it's kind is nearly over 15 years old, and is litigation tested by legal regulators (some of whom are members of ICLR); for matters related to the defense of a legal practitioner (solicitor or barrister) in relation to a claim of professional liability.
At your next conference, ICLR might want to consider my involvement, perhaps as a keynote speaker; but not without first "getting to know one another". The world needs to know that "blockchain principles" were not originally applied for cryptocurrency; "blockchain principles" were first applied to ensure that regulated entities and regulated professionals function in a manner that conforms to statutory, regulatory and process requirements; and the first commercial application of "blockchain principles" were first litigation tested in 2013, for a transaction originated in 2010.
If this introduction piques your interest, please
contact me. The future awaits.
Your's Truly,
Anoop Bungay
This email, and any attachment, is intended for the attention of the addressee only. Its unauthorised use, disclosure, storage or copying is not permitted. If you are not the intended recipient, please destroy all copies and inform the sender by return email and send a copy to postmaster@sra.org.uk. Thank you for your co-operation.
Please note the author of this email is not authorised to conclude any contract on behalf of the Solicitors Regulation Authority by email.
Best Regards.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® Law Professional Outreach: Bar Association and Law Society (practice level; National and International)
MQCC® Law Professional Outreach: Bar Association and Law Society (practice level; National and International)
Helping the American Bar Association ABA to Prevent Incidents of Professional
Helping the American Bar Association ABA to Prevent Incidents of Professional
Negligence Claims against its Practicing Members in Matters of Non-novel (exact)
Negligence Claims against its Practicing Members in Matters of Non-novel (exact)
Conformity Science and Commercial Applications
Conformity Science and Commercial Applications
The below message sent on Saturday, April 9, 2022 to the current President and President-elect of the American Bar Association.
PS: American Lawyers: Please visit MQCC® President-to-President™ website at www.President-to-President.org to help you learn about the outreach between MQCC® and the Executive Office of The President of the United States.
Number; President Name; Vice-President Name; Years of Service; Congresses
43. George W. Bush; Dick Cheney; Jan. 20, 2001–Jan. 20, 2009; 107, 108, 109, 110, 111
44. Barack H. Obama; Joseph R. Biden, Jr.; Jan. 20, 2009–Jan. 20, 2017; 111, 112, 113, 114, 115
45. Donald J. Trump; Michael Pence; Jan. 20, 2017–Jan. 20, 2021; 115, 116, 117
46. Joseph R. Biden, Jr.; Kamala D. Harris; Jan. 20, 2021–present; 117
See www.President-to-President.org to learn more.
MQCC® to American Bar Association ABA
MQCC® to American Bar Association ABA
ABA 2022 - Helping the American Bar Association to Prevent Incidents of Professional Negligence Claims against its Practicing Members in Matters of Non-novel Exact Conformity Science.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
DC Bar Association (Washington, DC)
DC Bar Association (Washington, DC)
The below message was sent to the DC Bar and George Washington University Leadership.
MQCC® to District of Columbia (DC) Bar Lawyer Continuing Education Courses & Standards and
MQCC® to District of Columbia (DC) Bar Lawyer Continuing Education Courses & Standards and
Introduction to George Washington University Leadership
Introduction to George Washington University Leadership
Professor to Professor-Peer to Peer™_ Message to Chad T. Sarchio, Esq. re_ District of Columbia (DC) Bar Lawyer Continuing Education Courses.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Public Offer to NABRICO National Association of Bar Related Insurance Companies
Public Offer to NABRICO National Association of Bar Related Insurance Companies
to Invite Anoop Bungay, Founder of MQCC® to Speak on 17+ Years of the Nexus
to Invite Anoop Bungay, Founder of MQCC® to Speak on 17+ Years of the Nexus
between Regulatory-Integrated, Commercial Applications of Non-novel (exact)
between Regulatory-Integrated, Commercial Applications of Non-novel (exact)
Conformity Science and Risk Management in the Legal Industry Sector at the 2022
Conformity Science and Risk Management in the Legal Industry Sector at the 2022
NABRICO Conference
NABRICO Conference
The below message was sent to the Chair of the Oregon State Bar Professional Liability Fund (PLF), Website Maintainer for the NABRICO (National Association of Bar Related Insurance Companies).
NOTE: NABRICO is an association of separate companies and organizations whose members are legally unrelated. It is not the parent company of a group of insurance companies.
Public Offer to NABRICO National Association of Bar Related Insurance Companies to Invite Anoop Bungay.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC to FLSC (Federation of Law Societies of Canada) - Risk Prevention Public
MQCC to FLSC (Federation of Law Societies of Canada) - Risk Prevention Public
Memo (RPPMTM) & Offer: Re: 17+ Years (2005 - 2022+) of Successful de-jure
Memo (RPPMTM) & Offer: Re: 17+ Years (2005 - 2022+) of Successful de-jure
Standards-Integrated, Commercial Applications of Non-novel (exact) Conformity
Standards-Integrated, Commercial Applications of Non-novel (exact) Conformity
Science including trademark BITCOIN™, BLOCKCHAIN™, CRYPTDO™ Goods
Science including trademark BITCOIN™, BLOCKCHAIN™, CRYPTDO™ Goods
(products) and Services (methods)
(products) and Services (methods)
MQCC.org™_ Meta Quality Conformity Control Organization™ incorporated as MortgageQuote Canada Corp. Mail - MQCC to FLSC (Federation of Law Societies of Canada) - Risk Prevention Public Memo (RPPM™) re_ 17+ Years (2005 - 2022+) of Successful de-jure St.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
The Federation of Law Societies of Canada
The Federation of Law Societies of Canada
Model Code of Professional Conduct As amended October 19, 2019
Anoop Bungay Commentary (notes in red font)
Anoop Bungay Commentary (notes in red font)
[4] In some circumstances, expertise in a particular field of law may be required; often the necessary degree of proficiency will be that of the general practitioner.
[4A] To maintain the required level of competence, a lawyer should develop an understanding of, and ability to use, technology relevant to the nature and area of the lawyer’s practice and responsibilities. A lawyer should understand the benefits and risks associated with relevant technology, recognizing the lawyer’s duty to protect confidential information set out in section 3.3.
[4B] The required level of technological competence will depend on whether the use of understanding of technology is necessary to the nature and area of the lawyer’s practice and responsibilities and whether the relevant technology is reasonably available to the lawyer.
Implication: If a lawyer's client is going to trade in "crypto", the lawyer is best serving the client by understanding the nature, history, quality, character, feature, form, function, extent, purpose and characteristics of "crypto" form the world's authoritative body, namely, MQCC® generally and for as long he is not retired, Anoop Bungay, developer of FATHER OF CRYPTO® FATHER OF BLOCKCHAIN®, FATHER OF BITCOIN™ trademark (consumer safety) source identifiers for various genus and species of goods and services borne of non-novel (exact) conformity science.
In determining whether technology is reasonably available, consideration should be given to factors including: (a) The lawyer’s or law firm’s practice areas; (b) The geographic locations of the lawyer’s or firm’s practice; and (c) The requirements of clients. [5] A lawyer should not undertake a matter without honestly feeling competent to handle it, or being able to become competent without undue delay, risk or expense to the client. The lawyer who proceeds on any other basis is not being honest with the client. This is an ethical consideration and is distinct from the standard of care that a tribunal would invoke for purposes of determining negligence.
[6] A lawyer must recognize a task for which the lawyer lacks competence and the disservice that would be done to the client by undertaking that task. If consulted about such a task, the lawyer should: (a) decline to act; (b) obtain the client’s instructions to retain, consult or collaborate with a lawyer who is competent for that task; or (c) obtain the client’s consent for the lawyer to become competent without undue delay, risk or expense to the client.
Implication: Before a lawyer who represents a client that is trading in "crypto"; with this new-found knowledge in respect to MQCC®; the lawyer should strongly consider advising its client to instruct the lawyer and the law firm to contact MQCC® for expert advice in order to better understand the risks of "crypto". IE: real crypto does not change in value.
[7] A lawyer should also recognize that competence for a particular task may require seeking advice from or collaborating with experts in scientific, accounting or other non-legal fields, and, when it is appropriate, the lawyer should not hesitate to seek the client’s instructions to consult experts.
Implication: Before a lawyer who represents a client that is trading in "crypto" or applications that are actually or ostensibly intended to achieve the same function that is normally achieved when applying principles, concepts and core processes of non-novel (exact) conformity science; with the new-found knowledge in respect to MQCC®; the lawyer should strongly consider advising its client to instruct the lawyer and the law firm to contact MQCC® for expert advice if the client CEO is NOT formally trained and experienced in matters commercial applications of non-novel (exact) conformity science.
[10] In addition to opinions on legal questions, a lawyer may be asked for or may be expected to give advice on non-legal matters such as the business, economic, policy or social complications involved in the question or the course the client should choose. In many instances the lawyer’s experience will be such that the lawyer’s views on non-legal matters will be of real benefit to the client. The lawyer who expresses views on such matters should, if necessary and to the extent necessary, point out any lack of experience or other qualification in the particular field and should clearly distinguish legal advice from other advice.
Implication: non-legal matters include "innovation" and "science" and "technology"; ie: applications of non-novel (exact) conformity science.
[11] In a multi-discipline practice, a lawyer must ensure that the client is made aware that the legal advice from the lawyer may be supplemented by advice or services from a non-lawyer. Advice or services from non-lawyer members of the firm unrelated to the retainer for legal services must be provided independently of and outside the scope of the legal services retainer and from a location separate from the premises of the multi-discipline practice. The provision of non-legal advice or services unrelated to the legal services retainer will also be subject to the constraints outlined in the rules/by-laws/regulations governing multi-discipline practices.
Implication: a lawyer may recommend that their client instruct the lawyer and the law firm to obtain advice from MQCC® on non-legal matters including correct and proper applications of non-novel (exact) conformity science; and the related risk.
[15] Incompetence, Negligence and Mistakes - This rule does not require a standard of perfection. An error or omission, even though it might be actionable for damages in negligence or contract, will not necessarily constitute a failure to maintain the standard of professional competence described by the rule. However, evidence of gross neglect in a particular matter or a pattern of neglect or mistakes in different matters may be evidence of such a failure, regardless of tort liability. While damages may be awarded for negligence, incompetence can give rise to the additional sanction of disciplinary action.
3.2 QUALITY OF SERVICE Quality of Service
3.2-1 A lawyer has a duty to provide courteous, thorough and prompt service to clients. The quality of service required of a lawyer is service that is competent, timely, conscientious, diligent, efficient and civil. Commentary
[1] This rule should be read and applied in conjunction with section 3.1 regarding competence.
[2] A lawyer has a duty to provide a quality of service at least equal to that which lawyers generally expect of a competent lawyer in a like situation. An ordinarily or otherwise competent lawyer may still occasionally fail to provide an adequate quality of service.
[3] A lawyer has a duty to communicate effectively with the client. What is effective will vary depending on the nature of the retainer, the needs and sophistication of the client and the need for the client to make fully informed decisions and provide instructions.
[4] A lawyer should ensure that matters are attended to within a reasonable time frame. If the lawyer can reasonably foresee undue delay in providing advice or services, the lawyer has a duty to so inform the client, so that the client can make an informed choice about his or her options, such as whether to retain new counsel. Examples of expected practices
[5] The quality of service to a client may be measured by the extent to which a lawyer maintains certain standards in practice. The following list, which is illustrative and not exhaustive, provides key examples of expected practices in this area:
(a) keeping a client reasonably informed;
(b) answering reasonable requests from a client for information;
(c) responding to a client’s telephone calls;
(d) keeping appointments with a client, or providing a timely explanation or apology when unable to keep such an appointment;
(e) taking appropriate steps to do something promised to a client, or informing or explaining to the client when it is not possible to do so; (f) ensuring, where appropriate, that all instructions are in writing or confirmed in writing; 20
(g) answering, within a reasonable time, any communication that requires a reply;
(h) ensuring that work is done in a timely manner so that its value to the client is maintained;
(i) providing quality work and giving reasonable attention to the review of documentation to avoid delay and unnecessary costs to correct errors or omissions;
(j) maintaining office staff, facilities and equipment adequate to the lawyer’s practice; (k) informing a client of a proposal of settlement, and explaining the proposal properly;
(l) providing a client with complete and accurate relevant information about a matter;
Implication: In order to provide the highest levels of QUALITY OF SERVICE; when a lawyer who represents a client that is trading in "crypto" or applications that are actually or ostensibly intended to achieve the same function that is normally achieved when applying principles, concepts and core processes of non-novel (exact) conformity science; with the new-found knowledge in respect to MQCC®; the lawyer should strongly consider advising its client to instruct the lawyer and the law firm to contact MQCC® for expert advice if the client CEO is NOT formally trained and experienced in matters commercial applications of non-novel (exact) conformity science, in order that the client obtain its OWN STANDARD of complete and accurate relevant information about [the] matter of correct and proper application and use and risk of commercial applications of non-novel (exact) conformity science.
(m)making a prompt and complete report when the work is finished or, if a final report cannot be made, providing an interim report when one might reasonably be expected;
(n) avoiding the use of intoxicants or drugs that interferes with or prejudices the lawyer’s services to the client;
(o) being civil.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Canadian Bar Association CBA
Canadian Bar Association CBA
Canada-wide/International: Lawyer, Consumer Education & Safety Public Message & Invitation to CBA Canadian Bar Association and 13 Branches, Canada-Wide: RE: Access to 21+ Years of Correct and Proper, Primary Source Education on Matters related to Non-novel (Exact) Conformity Science and Applications, including: Commercial Goods and Services, Source-identified by Well-known, World Famous Trademarks: OFFICIAL AUTHENTIC ORIGINAL™ (OAO™) BITCOIN™; BLOCKCHAIN™; CRYPTDO™ brand of standards-based "generic crypto" [peer-to-peer digital finance, commerce and regulation] from Bungay MQCC®: Creator & Steward of OFFICIAL AUTHENTIC ORIGINAL OAO™ BITCOIN™: the World's First Utility Token; BITMORTGAGE® the World's First Securities Token; Commencing April 9, 2005 at www.PrivateLender.org
Canada-wide/International: Lawyer, Consumer Education & Safety Public Message & Invitation to CBA Canadian Bar Association and 13 Branches, Canada-Wide: RE: Access to 21+ Years of Correct and Proper, Primary Source Education on Matters related to Non-novel (Exact) Conformity Science and Applications, including: Commercial Goods and Services, Source-identified by Well-known, World Famous Trademarks: OFFICIAL AUTHENTIC ORIGINAL™ (OAO™) BITCOIN™; BLOCKCHAIN™; CRYPTDO™ brand of standards-based "generic crypto" [peer-to-peer digital finance, commerce and regulation] from Bungay MQCC®: Creator & Steward of OFFICIAL AUTHENTIC ORIGINAL OAO™ BITCOIN™: the World's First Utility Token; BITMORTGAGE® the World's First Securities Token; Commencing April 9, 2005 at www.PrivateLender.org
MQCC.org™_ Meta Quality Conformity Control Organization™ incorporated as MortgageQuote Canada Corp. Mail - Canada-wide_International_ Lawyer, Consumer Education & Safety Public Message & Invitation to CBA Canadian Bar Association and 13 Branches, Cana.pdfDigital Version of letter to Canadian Bar Association CBA
Digital Version of letter to Canadian Bar Association CBA
STEPHEN ROTSTEIN
President,
Canadian Bar Association CBA
66 Slater St., Suite 1200
Ottawa, ON K1P 5H1
via: info@cba.org; srotstein@osc.gov.on.ca
STEEVES BUJOLD
Vice President, CBA
(IBA International Bar Association 'Member Organisations' Official Contact)
via: info@cba.org; sbujold@mccarthy.ca
ANGELA MOUTOULAS
Director/Directrice, CBA
Professional Development and Events
via: pd@cba.org
KEVIN WRIGHT
International Committee Chair, CBA
via: cba.sections@cba.org; kevin.wright@dlapiper.com
CC: International Bar Association
Top Management c/o Sternford Moyo
President
"The Global Voice of the Legal Profession"
via: iba@int-bar.org; info@scanlen.co.zw
"via email"
Dear Top Management of Canadian Bar Association (CBA), including Messiers & Madame (Esq. (practicing and non-practicing)); Rotstein (Stephen), Bujold (Steeves), Moutoulas (Angela) and Wright (Kevin); [CC: Mr. Moyo, (Sternford), International Bar Association IBA]
1. My name is Anoop Bungay; President of MortgageQuote Canada Corp., Bungay International Inc., based in Calgary, Alberta, Canada. This message to you follows earlier messages to your superordinate organizations, namely: International Conference of Legal Regulators (ICLR), Federation of Law Societies of Canada (FLSC) and your peer organization: American Bar Association (ABA). A simple public search will show that I am NOT a lawyer NOR a legal industry "practice advisor", so this email serves neither as legal advice, nor legal practice advice; nor does this message serve as conformity advice, risk management advice, financial advice, regulatory advice or advice of any kind. This email serves MERELY as a Canadian and International public notice and courtesy outreach to your organization to help you disseminate necessary and important information in matters that are relevant to your members, stakeholders and the general public; and, an effort to provide a formal cursory introduction to the wide-ranging, critical and complex nature, quality, character, characteristics, feature, function, form, purpose and extent of 20+ years (2001-2022+) of commercialized, regulatory-integrated, errors and omission insured, generic genus and species of "crypto", "digital finance" and related goods and services; other goods and services including those source-identified by one or more world famous, well-known marks (trademarks) including: BITCOIN™ brand utility token, BITMORTGAGE® brand securities token, BLOCKCHAIN™ brand management system, CRYPTDO™ brand quality managed private information.
2. To prevent ambiguity, this message via email and social media to your organization which is entitled:
Canada-wide/International: Lawyer, Consumer Education & Safety Public Message & Invitation to CBA Canadian Bar Association and 13 Branches, Canada-Wide: RE: Access to 21+ Years of Correct and Proper, Primary Source Education on Matters related to Non-novel (Exact) Conformity Science and Applications, including: Commercial Goods and Services, Source-identified by Well-known, World Famous Trademarks: OFFICIAL AUTHENTIC ORIGINAL™ (OAO™) BITCOIN™; BLOCKCHAIN™; CRYPTDO™ brand of standards-based "generic crypto" [peer-to-peer digital finance, commerce and regulation] from Bungay MQCC®: Creator & Steward of OFFICIAL AUTHENTIC ORIGINAL OAO™ BITCOIN™: the World's First Utility Token; BITMORTGAGE® the World's First Securities Token; Commencing April 9, 2005 at www.PrivateLender.org
serves as a courtesy outreach to you and your organization (Canadian Bar Association CBA) in your self-described role as a "premiere provider of quality legal training and information". It is requested that you disseminate this very important safety and quality information message from MQCC®'; a message which provides vital knowledge which will help to prevent negative risk in the form of financial loss caused by financial volatility or loss in non-financial terms (loss of reputation and professional negligence claims emanating from incomplete or insufficient or untraceable understanding of certain scientific principles and proven best practices, sources, methods, techniques, processes) from a recognized authority (namely, MQCC® and Anoop Bungay) about certain and specific "global and national trends affecting your work" generally speaking; specifically, the "work" of the 36,000 individual members of your association (Canadian Bar Association CBA) in the following roles:
lawyers
judges
notaries
law teachers
law students
CEO's of insurance companies (federally regulated and non-federally regulated)
CEO's of regulated (federal and non-federal; central, banks)
CEO's, on a pan-industry basis (both regulated and non-regulated)
any CEO who retains a lawyer or law firm for legal advice
with whom you "actively engage", "across Canada"; --- [Constraint Memo: While it is understood that Canadian Bar Association CBA "speaks" for lawyers, it is also understood that the CBA does not speak for the "total universe" of "Canada’s 136,000 lawyers, Quebec’s 4,200 notaries and Ontario’s 10,600 paralegals"; enumerated by the Federation of Law Societies of Canada FLSC (Source: flsc.ca)]--- specifically, this courtesy outreach serves as a matter of public notice and consumer safety disclosure in respect to certain genus and species of goods and services used-in-commerce and marketed by the following world famous or well-known marks (trademarks) and source identifiers, including:
BLOCKCHAIN FOR LAWYERS™ (at www.BlockChainforLawyers.org) required reading for every lawyer in Canada, the Commonwealth and the world)
CRYPTO FOR LAWYERS™
METAVERSE FOR LAWYERS™
BLOCKCHAIN FOR POLICY MAKERS™
CRYPTO FOR POLICY MAKERS™
CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™
BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™
BITMORTGAGE®; The World's First Securities Token™
PROFESSIONAL BITCOINEER (P. BTCR.)®
PROFESSIONAL BLOCKCHAINEER (P. BCR.)®
FATHER OF BLOCKCHAIN®
FATHER OF CRYPTO®
FATHER OF METAVERSE™
THE GLOBAL STANDARD FOR CRYPTO®
THE GLOBAL STANDARD FOR BLOCKCHAIN®
PRINCIPLES OF BLOCKCHAIN™
BITCOINPEDIA™
BLOCKCHAINPEDIA®
BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system
OFFICIAL AUTHENTIC ORIGINAL OAO™
WORLD BLOCKCHAIN DAY®
WORLD CRYPTO DAY®
BLOCKCHAIN HALL OF FAME®
CYBERLOCKCHAIN™
FATHER OF FREE TRADING SECURITIES™
not a complete list.
3. The above list, more than merely source identifiers used-in-commerce represent well-known marks and world famous trademarks which, collectively (as a family of trademarks), serve as a valuable and highly prized and very functional consumer safety device, providing Canadian and International consumers of financial services with prima facie (at-a-glance) visual identification to the source of certain goods and services and, which further fulfills the following function (utility), best articulated by Canada Supreme Court Justice Binnie J. in Mattel, Inc. v. 3894207 Canada Inc. (2006), as follows: (paraphrased & modified; source: www.WIPOBlockChain.com)
the purpose of a trademark is to distinguish wares or services manufactured, sold, leased, hired or performed by the trademark owner from those manufactured, sold, leased, hired or performed by others. "Their traditional role was (is) to create a link in the prospective buyer's mind between the product and the producer....It is a guarantee of origin and inferentially, an assurance to the consumer that the quality [ingredient, character, function, feature, purpose, use, scope and extent] will be what he (or she) has come to associate with a particular trade-mark (as in the case of the mythical “Maytag” repairman). It is, in that sense, consumer protection legislation." [Consumer Safety] Thus, trademarks: build the reputation and goodwill of the MQCC Bungay International LLC group [MortgageQuote Canada Corp.; Bungay International Inc.] of related companies in the eyes of the public, which will make all of MQCC™ trademark brands attractive and maintain consumer loyalty; deter counterfeiters from copying MQCC™ trademark brand product or causing confusion in the marketplace; prevent deceptive trade practice in the marketplace by distinguishing MQCC™ trademark brand genuine product or service from a fake; enabling the general public to immediately, prima facie, on an at-a-glance or visual basis, "recognize what it knows and trusts".
STATEMENT OF FACT: If any consumer or organization or professional (on a pan-industry basis) seeks to identify a trusted and trustworthy source of primary information on matters related to over 20 years of discovery, development, commercialization and continual improvement within an existing, consumer-safe, regulatory-integrated and regulatory-agnostic framework in matters related to the commercial application of the principles, concepts and core processes of non-novel (exact) conformity science (www.conformity.org) and the various and sundry genus and species of goods and services identified-in-commerce by the following world-famous, well-known marks (trademark source identifier), namely, BITCOIN™, BLOCKCHAIN™, CRYPTDO™ brand "crypto"; including generic goods, namely, fungible tokens, non-fungible tokens, peer-to-peer electronic and non-electronic finance processes [NOTE: The correct and proper terminological phrase is: 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] then why not learn from the creator (Originating System-Operator (OSYSOP™) of the global (multi-jurisdictional standards-based, system-network), namely, yours sincerely, Anoop Bungay.
4. As explained via similar messages with varying degrees of content, over the course of up to 15 or more years, to Top Management, either on a peer-to-peer basis or non-peer-to-peer basis, to:
International Conference of Legal Regulators (ICLR);
American Bar Association (ABA);
Federation of Law Societies of Canada (FLSC); (see www.BlockChainforLawyers.org to read the letters)
current or former Canadian elected or appointed officials, or heads of organizations or senior members of organizations including provincial regulatory bodies in various industries; Canadian federal government ministries or agencies including Federal law enforcement, including:
Minister of Finance
Ministry of Finance
Treasury Board Secretariat of Canada
Competition Bureau of Canada
Real Estate Council of Alberta RECA
BC (British Columbia) Ministry of Finance; Deputy Premier of BC
Financial Services Regulatory Authority of Ontario FSRA (formerly FSCO)
BC Financial Services Agency BCFSA (formerly FICOM)
Ontario Securities Commission OSC
including practicing or non-practicing lawyers (licensed legal professionals) in various and sundry roles from policy making to investigation to enforcement
International Science Council
Chief Science Officer of Canada
Various and sundry journalists including Bloomberg; National Post of Canada; FOX Business; visit: ijcs.mqcc.org)
Heads (past and current) for various G20 and G7 Central Banks
TMX Group
this is an incomplete list; visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
International bodies and other international organizations
United Nations
United States current and former Presidents
United States Congressional Committee Chairs
United States Securities and Exchange Commission SEC®
Financial Regulatory Authority FINRA USA
this is an incomplete list visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
And as documented in various primary source academic and primary source scholarly textbooks published and available on the internet, independent research by you or your organization will support the claim that yours sincerely, (Anoop Bungay) --- since at least early as August 14, 2001 to at least as early as April 9, 2005 and onward --- is the person who created the world's first peer to peer electronic finance system and subordinate, peer to peer electronic cash system. Further, yours sincerely, (Anoop Bungay) --- since at least early as August 14, 2001 to at least as early as May 9, 2008 and onward --- has first observed the natural phenomena and formalized the underlying non-novel (exact) natural science and commercialized consumer-safe, regulatory-integrated commercial applications which are known by one or more Canadian consumer safety devices (trademarks) listed above.
5. Your Canadian Bar Association CBA presents itself in your "ABOUT US" page, definitively as:
"We (CBA) are the leaders and the voice of Canada’s legal profession."
Equivalently, MQCC® presents itself, definitively, as:
"MQCC® is the leader and voice of commercial applications borne of a peer-to-peer electronic cash system; a peer-to-peer electronic finance system and non-novel (exact) conformity science based business applications for use in a pan-industry, pan-functional basis in commerce, finance, academia and government."
6. Every lawyer, both practicing and in non-practicing roles (including policy making and regulatory matters) in Canada that is accountable to the public or insured by a Property and Casualty insurance company for professional purposes including:
insurance companies regulated by OSFI - at a federal level
insurance brokers or insurance underwriters and managing agents regulated at a provincial level
Employed, appointed or practicing in the following industry sectors, sub-sectors, groups or sub-groups including:
law
finance (regulated and non-regulated)
banking (Central bank, Federal Bank, Non-Federal Bank)
information technology
education
not a complete list
Must be aware or should be made aware that if they are providing legal advice or advice or opinions in matters related to "peer-to-peer finance", then they should be aware that the globally recognized standards for safe and proper operation, based upon over 21 years of development and commercialization is established by MQCC. Indeed, the standard for the nature, quality, character, feature, function, purpose and extent of consumer safe goods and services known generically as:
crypto
quality management
conformity management (formerly "compliance" however this term is deprecated in accordance with principles of international standards)
peer-to-peer finance
digital finance (including digital assets, digital debts, digital securities)
digital transformation
smart contracts
utility tokens (the first and most famous one being the MQCC® BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™)
securities tokens (the first and most famous one being BITMORTGAGE®)
fungible (and the obverse: non-fungible) goods or services
distributed electronic classical computer systems including mirroring and parallel (DISTRIBUTED MIRROR™; DISTRIBUTED PARALLEL™)
commercialized quantum computing (CQC™)
insurance and risk management
cybersecurity
free trading (free-trading) securities
National (Federal) Standards
International Standards
Fiduciary Standards
Systems Level Artificial Intelligence (SLAi™); beyond (meta) machine learning (ML) and deep learning (DL)
Systems Learning Artificial Intelligence (SLrAi™)); beyond (meta) machine learning (ML) and deep learning (DL)
an incomplete list
are designed to be:
consumer safe
achieve the function and utility of risk management including risk identification, risk prevention, risk mitigation
regulatory agnostic
classical computer and non-computer technology agnostic
processed based
delivered in a commercialized quantum computing (CQC™) operating environment
conforming to MQCC® Trademark PRINCIPLES OF BLOCKCHAIN™ including the following natural and inherent utility, or function:
standards based
transparency
accountability
record immutability
quality
traceability
fact non-repudiation
verifiability
measurable
not a complete list
and subject to one or more Canadian legislation, programs, initiatives or international equivalent; treaty or convention:
Real Estate Act of Alberta
Mortgage Brokers Act of British Columbia (BC)
Mortgage Brokers and Lenders Act of Ontario
Incorporation by Reference in Regulations Act
Trademarks Act
Standards Council of Canada Act
Statutory Instruments Act
National Research Council Act
Government of Canada: Innovation in the public service
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 Development
Government of Canada Strategic Plan for Information Management and Information Technology 2017 to 2021
Budget Implementation Act, 1997
Lawyers and legal professionals (and legal students) would be prudent to discuss, learn about and understand MQCC® and its seminal work in accordance to fulfilling the legal industry beyond reproach standard of meeting professional obligations under one or more doctrines or codes of legal professional practice, including:
Federation of Law Societies of Canada (FLSC); Model Code of Professional Conduct 2019 which serves as the base framework for member regulatory and licensure law society bodies across Canada. Specifically, the Model Code of Professional Conduct states:
CHAPTER 3 – RELATIONSHIP TO CLIENTS
Section 3.1 COMPETENCE
Subsection 3.1-2 COMPETENCE: A lawyer must perform all legal services undertaken on a client’s behalf to the standard of a competent lawyer.
Subsection 3.1-2 Commentary:
Commentary Point # [7] A lawyer should also recognize that competence for a particular task may
require seeking advice from or collaborating with experts in scientific, accounting
or other non-legal fields, and, when it is appropriate, the lawyer should not
hesitate to seek the client’s instructions to consult experts.
Further, this courtesy outreach serves as an invitation to lawyers, law firms, law schools, lawyers employed by legal regulatory bodies for public or private policy development and public or private policy enforcement, to contact Anoop Bungay and MQCC® in order to seek advice and gain invaluable formal, expert, primary source knowledge, training and collaboration opportunities in the non-novel (exact) field of science, namely conformity science, that is the foundation of the "conformity revolution" brought about by the innovations developed including: Official Authentic Original OAO™ BITCOIN™ brand of utilities token; BITMORTGAGE® brand of securities token and meta (beyond). Further, you may find Anoop Bungay in the Thomson Reuters WestlawNext Canada EXPERT WITNESS DIRECTORY.
7. In your respective roles as lawyers (in your own right; practicing and non-practicing) and members of CBA Association body leadership (Top Management), did you know the following historical facts:
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ brand of commercialized, proven-safe, proven-stable, regulatory-integrated, standards-based and proven-trusted "crypto" and goods and services marketed by the trademark BITCOIN™ brand utility token; BITMORTGAGE® brand securities token; METAVERSE™ brand management systems; CRYPTDO™ brand quality managed, private information, celebrates over 20 years of development, continuous improvement; at least 15 years of commercialization?
the highest standard for reliable, trustworthy, competent and proficient is identified by a person or persons who possess the following designation:
PROFESSIONAL BITCOINEER (P. BTCR.)®
PROFESSIONAL BLOCKCHAINEER (P. BCR.)®
the science that underlies MQCC® brand of goods and services is known as non-novel (exact) conformity science (visit www.conformity.org);
one or more primary functions are for organizations to achieve conformity to statutory, regulatory, process and customer requirements at a peer-to-peer level, on a self-regulatory basis;
it takes 4 years for a Bachelor level of education in conformity science and its applications;
it takes 2-3 years for a Master's level of education in conformity science and its applications;
it takes 2-4 years for a Doctorate (Ph D) level of education in conformity science and its applications;
it takes over 5 years of real-word experience to be considered competent in matters of commercial applications of conformity science (based on international standards of competence);
it takes over 10 years of real-word experience to be considered competent in matters of commercial applications of conformity science (based on international standards of proficiency level of competence);
in matters of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility tokens; there are UNLIMITED BITCOIN™ units;
in matters of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™, a consumer does NOT "buy" BITCOIN™ or "mine" it in the sense that the general population including policy makers think; for consumer safety and regulatory conformity purposes, distribution is based on site-licensing and domain based distribution;
one primary function of "crypto" and the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand of utility token is RISK MANAGEMENT;
correct and proper "crypto" and the BITCOIN™ brand utility token encapsulates financial value or process integrity;
the original beneficiaries of the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network are lawyers and legal professionals;
the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network was litigation tested by one or members of the International Conference of Legal Regulators (ICLR) as early as 2013; many Canadian Law Societies are members of the International Conference of Legal Regulators (ICLR);
since at least as early as 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is insured by one or more Canadian or Foreign Property and Casualty Insurance Companies regulated by Office of the Superintendent of Financial Institutions OSFI;
Anoop Bungay and MQCC® are the primary source of correct and proper information on the subject of financial applications of conformity science and the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system; you may find many textbooks available on Amazon.com® or Google Play® store;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to create positive return financial instruments in the form of non-regulated or regulatory exempt PRIMARY SECURITIES not SECONDARY SECURITIES so "stock markets" or "public exchanges" were never a part of the original system-network;
If a person invested $100,000.00 in OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ based financial securities as early as 2003, the investment would be worth $2M in 2022 (before MQCC® Fiduciary Capital Partners FCP™ profit sharing);
among other things, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is designed to create POSITIVE RETURN Financial investments by reducing financial transaction to a peer-to-peer base-level; financial investments that are public market agnostic and where "past performance IS AN INDICATOR of future performance";
the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network created direct asset-secured financial securities that are insured for loss by a plurality of insurable devices resulting the unique nature of "the worst thing that happens is that an investor owns and asset" in the event of security enforcement; this quality is the basis of the term: LOSSLESS INVESTING because Canada Revenue Agency (CRA) does not consider enforcement and repossession of a securitized asset within the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network as a "FINANCIAL OSS" but rather as an "ACQUISITION"; (this is NOT tax advice nor accounting advice; seek the advice of a tax lawyer or accountant);
continuously since at least as early as May 9, 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is registered to one or more Canadian Federal (National) and equivalent international standards for consumer and government safety through quality, namely, ISO 9001:2000; ISO 9001:2008 and the risk-based ISO 9001:2015;
the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is designed to reduce risk and create NON-PUBLIC MARKET VOLATILE financial instruments; the MQCC® trademark Zero Beta; Positive Alpha™ process.
the Canadian Bankers Association was introduced to MQCC® at least as early as 2017 (or earlier) and Canadian Consumers of Banking services who might have lost $$ might want their lawyers to contact and retain MQCC® to learn about what was explained to the Canadian Bankers Association back then;
at least as early as May 9, 2008, the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and "crypto" system-network is recognized by the United States, Canadian and UK Governments to conform to at least the standards of higher level contract quality requirements demanded by the United States Government departments and agencies including: the United States Department of Defense (DOD); the United States General Services Administration (GSA) and the United States National Aeronautics and Space Administration (NASA); 2022 represents over 14 years of continuous conformity;
just as there are non-conforming, subordinate standard (sub-standard), fake, counterfeit or pirated goods and service in commerce, like LOUIS VUITTON® clothing, MICROSOFT® software, ROLEX® watches, so, too, the world is quickly realizing, there exists non-conforming, subordinate standard (sub-standard), fake, counterfeit or pirated goods and service in commerce under the names of "bitcoin" (non official); or sub-standard "crypto" or "blockchain" or "metaverse" (not a complete list);
one rule of thumb for any consumer, policy maker or regulator or promotor or company CEO: "If a 'crypto' or 'blockchain' or 'token' good or service is inherently volatile in terms of economic value for the end-consumer, then this good or service does not conform to the ORIGINATING STANDARDS™ developed and maintained by MQCC®, Bungay International and Anoop Bungay, over the course over 21+ years;
when something is designed to be "peer-to-peer", like a "peer to peer electronic finance system" or "peer-to-peer electronic cash system", then the implication is that there are only 2 parties to the process and this reduces risk and volatility because 3rd parties or the general public are NOT involved; and THIS is how volatility in commercial transactions is reduced or eliminated;
as a primary source of education, MQCC® education meets or exceeds the accreditation quality standards demanded in education programs (programmatic level) or courses (course level) by the United States Department of Education (DOE) quality management standards; accredited education goods and services are identified in commerce by MQCC® by the trademark: ACCREDITED CLASS®;
if a consumer is losing $$$ in experimental or non-proven 'crypto' tokens, the consumer is investing in goods or services that actually or ostensibly do not conform to the 21+ years of standards developed by MQCC® including methods, processes, sources, and techniques;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to use higher-level (Systems-Level and Systems-Learning) artificial intelligence systems to program processes that prevent, identify and mitigate errors, omissions, fraud, wilful blindness, lack of training, incompetence and other non-conformity that creates risk for both regulated and non-regulated organizations;
the original generic "crypto" borne out of OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token service and BITMORTGAGE® brand free trading securities is designed to keep your business affairs private; keeps your business and organization processes safe; is designed to prevent, identify and mitigate positive risk and negative risk, both economic and non-economic in nature, quality, feature, function, purpose, form or extent;
BITMORTGAGE® brand of asset secured financial security is designed to assure free trading and non-free trading securities are quality managed; safe, secure and reduce volatility;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is designed to "encapsulate value" and be a hedge on inflation and BITCOIN™ based financial securities have earned annual returns averaging 16.30% per year, every year since at least as early as 2003; visit PRIVATELENDER.org: Canada's Private Lending Network® at www.PrivateLender.org to see proof;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes is an "EXPERT SYSTEM" that requires years of education and training to learn and gain competence;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes is designed to integrate with risk management systems in order to empirically and materially reduce business risk using a risk-based approach; a prudential risk management system;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token and related processes are designed to create value ("mining"), encapsulate value ("binding"), preserve value ("securitizing") and transfer value from one organization or individual to another, at a peer-to-peer level, on a free-trading basis, either outside of regulatory environment or within a regulatory-integrated or regulatory-exempt environment (operating system) without "middle-men"(intermediaries) for example, in the case of the BITMORTGAGE® brand of securities token, without intermediaries (third parties) like lawyers or bankers;
OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ and related processes are designed to technology agnostic and cross-cutting (cross functional) in nature, quality or character;
REMEMBER THIS email message is NOT ADVICE of a legal nature, financial nature or any other form of advice. This email message shows you -- and the legal community writ-large -- the critical and complex nature of the universe of MQCC®.
there are certain principles, concepts, core methods and sources that are required to correctly and properly conform to MQCC® Standards;
while the original programming for the world's first Peer-to-Peer electronic cash system was designed -- at a base level -- in the classical computer, object oriented language programming language paradigm and programming language knowns as C++ by my elder brother, namely, Santosh K. Bungay; Founder of WIZGOD®; the current edition of the MQCC® Peer-to-Peer electronic cash system is programmed in higher level programming paradigm known as Higher Level Meta Programming (HLMP™); a natural language programming paradigm; the programming language is UNIQML™ and is the base programming language for commercialized quantum computing (CQC™);
it is an irony that the goal of MQCC® is to create risk-managed financial goods and services and by reducing financial transactions to a peer-to-peer level of operation, this can be successfully achieved by millions of consumers world-wide are investing in non-standard and non-conforming (fake, counterfeit, pirated, non-standard) "crypto" or "token" or "blockchain" projects or investments and are being exposed to volatility including total principal investment loss; these non-conforming goods and services are best described by the MQCC® trademark: DIGITAL ASBESTOS™;
MQCC® is the developer of the de facto global industry standards which are integrated from the early years (at least as May 9, 2008) with de jure standards that are recognized by 118+ countries;
among the first beneficiaries of the MQCC® suite of systems, standards, goods and services --- as early as 2005 or earlier --- were (and continue to be) practicing lawyers and non-practicing/retired lawyers;
MQCC® is scrutinized by one or more members of the Canadian Securities Association (CSA);
MQCC® as creator of the world's first "digital financial token" conforms to the same risk-based processes as the Bank of Canada; the central bank of Canada;
The world has a myopic (limited) understanding of the origins of a peer-to-peer electronic cash system ("bitcoin"); one attributed to a faceless and opaque person or group of persons known as "satoshi nakamoto"; independent research will show that the term "satoshi nakamoto" appears to be actually or ostensibly nothing more than an anagram of my name and my elder brother's name (read my "TEACHING HARVARD" textbook to learn more -- see list below for reference); the creators of the world's first peer-to-peer electronic finance system and peer-to-peer electronic cash system, as early as April 9, 2005 at www.privatelender.org and creator of the OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ brand utility token is neither faceless nor opaque, as proven in this email message to you, today;
As explained at the MQCC® website at www.mqcc.org; you have not heard of an organization like MQCC® because it has not existed before.
This is an incomplete list of historical facts; visit www.mqcc.org to learn more
8. Implications
if a lawyer (practicing or non-practicing) or Bank CEO or finance company CEO or designated exchange CEO or policy maker, or INVESTOR or promotor or MainStreet Investor (Mom and Pop) or student or teacher (educator) want to truly know what BITCOIN™ brand conformity token service, CRYPTDO™ brand "crypto" (quality managed private information system); BLOCKCHAIN™ brand quality management systems and related brand name goods and services;
once consumers in Canada and world-wide realize that rich depth and breadth of "what crypto is what crypto does"; "what OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ is and what OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™ does"; it will not be long before the consumers ask companies that are promoting "crypto" or non- OFFICIAL AUTHENTIC ORIGINAL (OAO)™ BITCOIN™, if the promoters meet the standards of quality and safety as established by the creator and manager, namely Anoop Bungay and MQCC®;
the public record shows that some lawsuits have already started and this may increase once consumers, CEO's and promoters realize that standards exist and the standards are established by the originating creator, namely, Anoop Bungay and if a company or an organization desire to promote projects in matters of "BITCOIN" or CRYPTO or BLOCKCHAIN, it would be fair and reasonable to conform to the originating standards established by MQCC® in order to prevent undue risk on consumers and investors;
Indeed, the "world" has at best an incorrect or improper understanding and at worse, a misdescriptive or deceptively misdescriptive of the underlying non-novel (exact) science, namely, conformity science that is the foundation of the generic concept systems known as peer-to-peer electronic and non-electronic finance and its traceable, verifiable origins;
before any bank or financial organization (designated exchange, financial intermediary); or regulated financial advisor promotes "crypto" and related goods or services; they should take the time to discover the reality by reading up on MQCC® and read the various textbooks that provide vital insight in order to prevent undue risk;
consumers and mainstreet investors should take the time to learn, too, BEFORE investing money;
the education material at the Canadian Banker Association CBA website on "crypto" and related goods and generic "bitcoin" or "blockchain" should be updated to reflect the historical reality of the originating work of Anoop Bungay and MQCC®; and should caution readers and students that there exists an official, original suite of goods and services that conform to originating standards of quality and safety which were introduced to the world at least as early as April 9, 2005 at www.privatelender.org;
when dealing with or considering to investment thousands of dollars ($) or millions of dollars ($) into "crypto" or "token" or generic "digital finance" projects; Mainstreet consumers, retail investors and CEO's of investing organizations should ask themselves:
"does this promoter's idea or business conform to the originating de facto de jure-integrated industry standards for quality and consumer safety created by Anoop Bungay and MQCC®?"
"is this promoter's organization's employees insured to the same standard as MQCC® is insured, by a Property and Casualty insurance company for errors and omission?
this is an incomplete list of questions to ask oneself
This NOT a complete list of implications;
9. There is so much to say, but as explained to Current US President Biden and former Presidents, Mssrs. Bush (G. W), Obama and Trump (because these were the Presidents when the world's first peer-to-peer electronic cash system was commercialized at www.privatelender.org (starting with President Bush (G. W.) at least as early as April 9, 2005; at TEACHING PRESIDENT™ (www.TeachingPresident.com);
it takes over 4 years for a Bachelor-standard of learning; 2 more years for a Master-standard of learning; 2-4 more years for a Doctorate-standard of learning; and, 4 or more years of working with MQCC® to earn a specialist designation standard of work experience...
10. as a courtesy, here are some US and International Leaders contacted over the past 17 years:
Chair of the SEC® (read the textbook: TEACHING SEC; found at Amazon or Google play)
Treasury Secretary and others (read the textbook: TEACHING SEC; found at Amazon or Google play)
US Congress Subcommittee (see TEACHING PRESIDENT website at www.TeachingPresident.com)
International Science Council (see the International Journal of Conformity Science IJCS™ at ijcs.mqcc.org)
United Nations Secretary General (www.bitcoin.eco)
Hundreds of more leaders; a partial list is found here at www.DisclosureOfBlockChain.com
11. As a further courtesy; here are some academic, scholarly and technical textbooks and a link to the Accredited Class™ EDU program at MQCC®; whose quality standards meet or exceed the United States Department of Education ACCREDITATION standards for "QUALITY" in education.
Amazon.com: AUTHOR ANOOP BUNGAY
Google Play: AUTHOR ANOOP BUNGAY
edu.mqcc.org Scholarship at MQCC™ Corporate University™ edu.mqcc.org (MQUCC™)
12. On an interesting note, as explained to some other persons, the process of creating and continually improving a "peer to peer electronic cash system" bypassed not only the traditional banks, the following were also bypassed:
academic institutions (colleges, universities, polytech, vocational schools)
Feel free to read the following academic and scientific textbooks, to learn more:
The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]
Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]
Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]
Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]
How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]
MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]
Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]
Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]
Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]
OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]
Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]
An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]
Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]
This is not a complete list.
As explained to me by one or more practicing lawyers including a senior practicing lawyer (with 30 or more years of practice); to paraphrase the late John G. Diefenbaker, former Prime Minister of Canada:
"When the law is on your side follow the law; when the facts are on your side, follow the facts"
When it comes to the reality of creation and ongoing management of the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system; history, as of 2022, shows that the law (both Canada and International) has not yet realized or grasped the traceable, verifiable, incontestable facts on the origins and the originator, namely, yours sincerely: Anoop Bungay. Anyhow, this should be enough for today to give you an idea of the true, traceable, verifiable, incontestable history and some implications for the future. If you or your organization's members seek expert advice in the subject matter for which MQCC® and Anoop Bungay are renowned for; for themselves or their legal clients or employers, you or any CBA member or NON-CBA-member law firm; or lawyer or consumer (investor or non-investor) or CEO or student may find me on the internet and metaverse.
Sincerely,
/s/
Anoop Bungay
PS: it is a long weekend so mind any grammar, spelling or logic; gotta do some family things. Feel free to email me any questions you might have.
--
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
"Proud Sponsor of the Canadian Dream"®
A finance sector process of MQCC™ Meta 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: Managing The Metaverse™ www.metaversepedia.info™; 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 Meta 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.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® & Financial Services Regulatory Authority of Ontario (FSRA) - Comments RE: Consultation on the proposed insurance prudential supervisory framework (IPSF) guidance - ID 2022-008 & September 2022 Risk Prevention Notice to FSRA
MQCC® & Financial Services Regulatory Authority of Ontario (FSRA) - Comments RE: Consultation on the proposed insurance prudential supervisory framework (IPSF) guidance - ID 2022-008 & September 2022 Risk Prevention Notice to FSRA
MQCC Comments RE_ Consultation on the proposed insurance prudential supervisory framework.pdfDigital Version of letter to Financial Services Regulatory Authority of Ontario (FSRA)
Digital Version of letter to Financial Services Regulatory Authority of Ontario (FSRA)
MQCC® & Financial Services Regulatory Authority of Ontario (FSRA) - Comments RE: Consultation on the proposed insurance prudential supervisory framework (IPSF) guidance - ID 2022-008 & September 2022 Risk Prevention Notice to FSRA CQMFA
Anoop Bungay <anoop.bungay@mortgagequote.ca>
Anoop Bungay <anoop.bungay@mortgagequote.ca>
Tue, Sep 6, 1:02 PM (2 days ago)
to mark.white
Mark White
Chief Executive Officer
Financial Services Regulatory Authority of Ontario
25 Sheppard Avenue West, Suite 100
Toronto, Ontario M2N 6S6
mark.white@fsrao.ca
September 6, 2022
(1) Introduction:
MQCC® (MortgageQuote Canada Corp.) a regulatee of the Financial Services Regulatory Authority of Ontario (FSRA) is recognized world-wide as creator of the world's first peer-to-peer electronic finance system and subordinate peer-to-peer electronic cash system [the correct terminological description is: 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 system-network] commencing at least as early as April 9, 2005 at the uniform resource locator (URL; website) www.privatelender.org;
An innovation borne out of a need to create a standards-based, risk-based, self-regulating business and system-network in order to assure utmost conformity to MQCC® statutory, regulatory, customer and stakeholder requirements (including the requirements of Property and Casualty, and General Insurance companies providing professional liability, errors and omissions insurance underwriters who provide errors and omissions insurance to MQCC®); a 15+ year business model that is built on concepts, principles and core methods out of the non-novel (exact) field (domain) of science known as conformity science (visit www.conformity.org); conformity science: the "SCIENCE OF RISK MANAGEMENT™";
Over the course of 15+ years; as explained (in various degrees of content) to various and sundry Ontario, Canadian and World leaders including Lower, Middle, Senior or Top Management of organizations, including:
NABRICO National Association of Bar Related Insurance Companies -- of which one or more of your members of the FSRA Technical Advisory Committee for Insurance Prudential Regulation and Supervision advisory committee, are members
International Conference of Legal Regulators (ICLR)
Federation of Law Societies of Canada (FLSC)
Canadian Bar Association (CBA)
American Bar Association (ABA)
Office of the Superintendent of Financial Institutions (OSFI)
Canadian Federal Ministry and Minister of Finance
Competition Bureau of Canada
FSCO Financial Services Commission of Ontario now known as FSRA Financial Services Regulatory Agency of Ontario
OSFI Office of the Superintendent of Financial Institutions
Fasken Martineau DuMoulin LLP Law firm
Bank of Montreal BMO
Ontario Securities Commission OSC
MBRCC Mortgage Broker's Regulatory Council of Canada
RECA Real Estate Council of Alberta
BC FSA British Columbia Financial Services Authority
TMX Group
(not a complete list; visit www.mqcc.org or www.DisclosureOfBlockChain.org to see some of the outreach over the years)
MQCC® has reshaped the world's understanding of how risk in regulated and non-regulated (free-trading) finance is managed by regulatory bodies and regulated bodies; from a peer-to-peer scale to non-peer-to-peer scale, in Canada and world-wide;
You will know MQCC® by its various and sundry proprietary brand names of MQCC® goods and services; proprietary brand names which serve as source identifiers by the following trademarks:
BLOCKCHAIN FOR LAWYERS™ (at www.BlockChainforLawyers.org) required reading for every lawyer in Canada, the Commonwealth and the world)
CRYPTO FOR LAWYERS™
METAVERSE FOR LAWYERS™
BLOCKCHAIN FOR POLICY MAKERS™
CRYPTO FOR POLICY MAKERS™
CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™
BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™
BITMORTGAGE®; The World's First Securities Token™
PROFESSIONAL BITCOINEER (P. BTCR.)®
PROFESSIONAL BLOCKCHAINEER (P. BCR.)®
FATHER OF BLOCKCHAIN®
FATHER OF CRYPTO®
FATHER OF METAVERSE™
THE GLOBAL STANDARD FOR CRYPTO®
THE GLOBAL STANDARD FOR BLOCKCHAIN®
PRINCIPLES OF BLOCKCHAIN™
BITCOINPEDIA™
BLOCKCHAINPEDIA®
BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system
OFFICIAL AUTHENTIC ORIGINAL OAO™
WORLD BLOCKCHAIN DAY®
WORLD CRYPTO DAY®
BLOCKCHAIN HALL OF FAME®
CYBERLOCKCHAIN™
FATHER OF FREE TRADING SECURITIES™
not a complete list
(2) MQCC® wishes to commend FSRA for its efforts in to:
improve its established role of "regulating non-securities financial services...in Ontario"; in accordance with FSRA Mission, Vision and Values; in accordance with the FSRA FY (fiscal years) 2021-2024 Annual Business Plan; in accordance with the FSRA Statement of (Cross-Sectoral/"Cross-Cutting" or "Pan-Functional") Priorities, including:
"stakeholders’ regulatory experience, and safety, fairness and choice for consumers of financial services, and members of pensions in Ontario" through:
Regulatory Efficiency and Effectiveness in order to:
1. Protect the Public Interest
2. Enable Innovation
3. Modernize Systems and Processes
4. Transition to Principles- Based Regulation
Within the following "specific: Targeted High-Impact" priority industry sectors, sub-sectors, groups, industry groups or functions:
5. Property & Casualty / Auto Insurance
6. Credit Unions
7. Life & Health Insurance
8. Mortgage Brokering
9. Pensions
10. Financial Planners & Advisors
by developing a "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF); "an approach for supervision and risk assessment of Ontario’s provincially incorporated insurance companies (“Insurers”)."
It is understood that FRSA's "primary focus is to determine the impacts of current and potential future events, both internal and external, on the risk profile of each Insurer, and drive FSRA’s allocation of supervisory resources."
It is understood that "This Guidance articulates FSRA’s supervisory approach for all Insurers, as well as the practices and processes for determining an Insurer’s Overall Risk Rating (“ORR”), Intervention Level (IL), and level of FSRA’s supervisory activity under the Insurance Act (the “Act”), supporting Regulations and FSRA Rules and Guidance."
It is understood that "The level and extent of supervision under the IPSF will depend on the size, complexity, and risk profile of the Insurer, and the potential consequences of an Insurer’s failure including systemic impact."
It is understood that the "Rationale and background" (the impetus) for FSRA developing a "Proposed Insurance Prudential Supervisory Framework" (guidance) is to:
"identify imprudent or unsafe business practices and misconduct impacting policyholders of Insurers and intervenes on a timely basis". This is achieved by FSRA and IPSF because the IPSF process develops a process of "prudential and market conduct supervisory activities to comprehensively assess the risk profile and determine the overall risk rating [ORR] of each Insurer.
It is understood that "The IPSF is designed to assist FSRA in meeting its statutory objects (sic) under the Financial Services Regulatory Authority of Ontario Act, 2016 (the FSRA Act)[2]. The IPSF will support FSRA’s efforts to:
contribute to public confidence in the insurance sector
promote high standards of business conduct in the insurance sector
protect the rights and interests of policyholders
foster strong, sustainable, competitive, and innovative financial services sectors
promote and otherwise contribute to the stability of the insurance sector with due regard to the need to allow insurers to compete effectively while taking reasonable risks
The ORR of an Insurer will also help FSRA consider whether an Insurer should be subject to increased regulatory activity (level of supervisory engagement) and other enhanced supervisory activity. It will also determine the supervisory actions that typically occur at each of the intervention levels, which may include recovery and resolution activities.
(3) In the spirit of FSRA's "primary focus" to "determine the impacts (effects) of current and potential future events, both internal and external, on the risk profile of each Insurer..."', this message from MQCC® also serves as a "RISK PREVENTION NOTICE" to FSRA and the 291 Provincially regulated insurance sector [some of whom provide Property and Casualty Insurance of the type known as Professional Liability and sub-type: Errors and Omissions Insurance to 52 loan and trust corporations, 1,250 mortgage brokerages, 2,953 mortgage brokers, 15,514 mortgage agents, 242 mortgage administrators]; and millions of Ontario beneficiaries (residents (corporate and non-corporate) and foreign direct investors into Ontario's economy; as follows:
3.1 - MQCC® September 2022 Risk Prevention Notice to FSRA
3.1.1 - In the context of FSRA's "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF), the term "risk" is defined in accordance to the IPSF "Guiding principles and supervisory standards" as follows:
"both likelihood of financial loss to policyholders and possibility that the conduct, acts, or omissions of an Insurer or its staff harm or deliver poor/unfair outcomes for its policyholders."
3.1.2 - MQCC® wishes to inform FSRA Top Management that there exists a high degree of likelihood (probability) that Ontario's regulated insurance industry members to trade in Property and Casualty Insurance of the type known as Professional Liability and sub-type: Errors and Omissions Insurance may be subject, writ large (industry group-wide) to risk, as defined by FSRA IPSF; in matters related to recognizing and understanding the difference between generic goods and services and trademark source identifiers for specific goods and services that possess a standard of quality, for example, commercial applications of Canada's Federal National Standard for Quality Management Systems, namely, the risk-based, ISO 9001:2015.
3.1.2.1 - ISO 9001:2015 is a Canadian National Standard that is developed by consensus and assures consumers, regulators, errors and omissions insurance underwriters, investors, lenders, the general public, and stakeholders that "an organizations products (goods/wares) or methods (services/products) are better, safer and more efficient; safe, reliable and good; and prevents loss of $$$ caused by negative risk resulting from nonconformity like: errors, omissions, process breakdowns, fraud, willful blindness of employees, incompetence (lack of training) of employees, statutory, regulatory or failure to meet customer requirements.
3.1.3 - As a provincial regulatory body, it is understood that FSRA is already aware of the benefits of Canadian National Standards and their affect on policy making in order to make regulated activities safe for consumers through Ontario's involvement with the Canadian Federal Government and Treasury Board of Canada in respect to certain federal and provincial policy-making directives including the 2012 "Cabinet Directive on Regulatory Management" (and later iterations). Visit www.mqcc.org to learn more.
3.1.3.1 - Indeed, FSRA already understands the benefits of standards to achieve operational goals because FSRA uses the United States National Institute of Science and Technology cybersecurity standard within its own operations. As noted on the FSRA website: "FSRA utilizes a NIST framework, which is an industry standard that establishes security posture and helps to manage our [cyber security] program."
3.1.4 - As FSRA and at least one or more existing FSRA-regulated insurance companies, managing general agent (MGA) or a managing general underwriter (MGU) knows or ought to know, since at least as early as May 9, 2008, MQCC® is Canada's ONLY finance sector company (other than Canada's Central Bank: the Bank of Canada) that is continuously registered to the Canadian Federal National Standard for Quality Management Systems, namely, ISO 9001:2000, ISO 9001:2008 and the current, risk-based standard, ISO 9001:2015 for the scope of mortgage brokering and mortgage lending. Just do an internet search for MQCC® and FSRA or read blog.mortgagequote.ca to see some publicly available proof of prior disclosure.
3.1.5 - The impetus for registering MQCC® to ISO 9001:2000 was because at least as early as April 9, 2005, the CEO of MQCC®, yours sincerely, (namely, Anoop Bungay) under my original company name: Bungay International Inc. (Bungay International Technologies; BIT™) with a little help from my brother (Santosh, Founder of WIZGOD®), created a peer-to-peer electronic finance system and subordinate, peer-to-peer electronic cash system for the trading of free-trading securities, specifically, real-estate-secured and non-real-estate-secured financial instruments on a global computer network (system-network); generically, this business is known as "private lending" and the correct terminological description is: 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. The system-network created by yours sincerely to achieve the business is an innovation that allowed for transfer of free-trading financial securities in specie, [see textbook ORIGIN OF A SPECIE™ written by yours sincerely, list of textbooks are noted below.] via an electronic global computer network between investor and investee (or lender and borrower) using a "fungible and non-fungible (FNFT™) token system" on "distributed ledger-based platform", without the involvement of third parties (intermediaries), including:
banks
law firms
mortgage brokers
credit intermediaries
title insurance companies
public securities regulators
not a complete list
The Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance business developed by Bungay International Inc. is known world-wide by the world famous and well-known mark:
BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™
The Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance securities instrument in both electronic form (digital token) or non-electronic (paper) form, developed by Bungay International Inc. is known world-wide by the world famous and well-known mark:
BUNGAY INTERNATIONAL TECHNOLOGY MORTGAGE™ BITMORTGAGE®
3.1.6 - In order to prevent "double lending" or as untrained (lay persons) call it: "double spending", a system and framework needed to be created to prevent risk and financial loss; this system is nothing more than a system generally and generically known as a Quality Management System. A Quality Management System has the following nature, quality, character, feature, form, purpose, function, utility or extent:
* Rules-based
* Transparent
* Traceable
* Verifiable
* Recordable with record immutability
* Factual with fact-non-repudiation
* Incontestable
* Measurable
* Human Competency Level-based and Proficiency Level-oriented
* Built by Consensus to Create Consensus
not a complete list
The Quality Management System is known world-wide by the world famous and well-known mark:
BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system
3.1.7 - In order to show the world and my regulatory body RECA (Real Estate Council of Alberta) that the business operations conformed to the self-regulatory business model of RECA and was safe, reliable and good, by May 9, 2008, the total operations of MQCC® (which was incorporated in September 16, 2006), became registered to Canada's Federal Standard for Quality Management Systems, namely, ISO 9001:2000 for the scope of Mortgage Brokering.
3.1.8 - Over the past 14 years, MQCC® is safely and happily operating its business and serves as a leader, world-wide, helping lawyers, regulatory professionals and other parties discover the benefits of quality management.
3.1.9 - Over the past at least the past 14 years, MQCC® is continuously insured for professional liability insurance in the form of errors and omissions, by one or more insurance companies or Managing General Agent or insurance broker, regulated by either OSFI (Office of the Superintendent of Financial Institutions) and FSRA or BOTH OSFI and FSRA.
3.1.10 - Recently, a FSRA-regulated insurance company who has an existing "bought risk" policy with MQCC® --- and has known about MQCC® and its over 14 years of registration to ISO 9001:2015 safety and quality program, attempted to increase MQCC® insurance policy premium 200% more than what MQCC® had previously paid over the past 7 years (more or less) -- despite zero material change in the business sources and methods of MQCC® and a "Clear Record" of "NO Regulatory Complaints or Law Suits under the errors and omissions policy". This action by the FSRA-regulated insurance company actually or ostensibly did not conform to FSRA Regulatory Efficiency and Effectiveness policy "Key Deliverables" for Property and Casualty insurers within the FSRA mandate #5.1. Empower and protect P&C insurance consumers because by attempting to increase the MQCC® insurance policy premium by 200% , the FSRA-regulated insurance company actually or ostensibly failed to meet actual or proposed FSRA Key Deliverables, as follows:
Rate regulation
Protect consumers by ensuring [insurance] rates are reasonable, through improved use of benchmarks and developing additional tools for identifying unreasonable rates.
defining Unfair or Deceptive Acts or Practices under the Insurance Act;
Enhance market conduct oversight through improved coordination with RIBO, data analytics and insurer examinations, with an emphasis on the fair treatment of customers. This includes monitoring activities that pose significant harm to consumers (such as the circumvention of “take all comers” [insurance] requirements) and exploring opportunities to review existing conduct standards.
Seek consistent application of Fair Treatment of Customers (FTC) guidance across Canada, in consultation with stakeholders and regulators.
Expectations for enhanced accountability for insurers in rating and underwriting compliance.
Opportunities to improve consumer awareness, by enhancing the transparency, quality and comprehensibility of disclosures to consumers by FSRA and the sector.
3.1.11 - When MQCC® asked the FSRA-regulated insurer "why" the 200% increase in annual premium, the individual in the role of FSRA-regulated "Insurance Broker" said "I do not know since your account is over 5 years old and is considered "bought risk" which is a term representing a perceived standard of safety and trust between insurer and the insured.
3.1.12 - after further investigation, the individual in the role of FSRA-regulated "Insurance Broker" disclosed that the MQCC® insurance premium was increased by 200% because a "recently hired" (who had no prior history underwriting MQCC® for risk in its role as Canada's ONLY ISO 9001:2015 Registered Mortgage Brokerage) Insurance Risk Underwriter employed by the Managing General Agent of the FSRA-regulated insurance company stated that MQCC® is utilizing at least the word: "BLOCKCHAIN™" in its website and for this reason, the premium is increased to 200% of earlier premium.
3.1.13 - in response, I reminded the FSRA-regulated "Insurance Broker" that the term BLOCKCHAIN™ serves as nothing more than a proprietary trademark and source identifier for MQCC® quality management system which is registered to Canada's Federal National Standard, ISO 9001:2015, continuously since at least as May 9, 2008 and serves as an organization's risk prevention equivalent of a "FIRE ALARM" or "ROBBERY ALARM" for a house or car; and, just as with fire alarms or robbery alarms, the insurer should give MQCC® a financial discount for having a system of quality and safety. And --- to increase the premium of a stable customer with whom you have had a relationship for over 5 years and where the "risk is bought" appears to be neither fair nor reasonable. And that for the last 5 years, the term BLOCKCHAIN™ is "all over the MQCC® website; AND MQCC® has invited your insurance firm to collaborate to bring "BLOCKCHAIN™ brand quality management systems to other FSRA-regulated mortgage brokerage firms and Mortgage Administrators and lenders, for "years"; AND, the prior FSRA-regulated risk underwriter knew the benefits of the Federal National Standard of Quality Management Systems, ISO 9001:2015 and understood that the term BLOCKCHAIN™ served nothing more than a trademark source identifier, because premiums had never increased by 200% in the past five years.
3.1.14 - here is where there is potential risk to FSRA and the insurer and all FSRA-regulated insurance company province-wide:
Then I asked the FSRA-regulated "Insurance Broker" the following questions:
does your FSRA-regulated Managing General Agent and Insurance Risk Managers have necessary and sufficient, correct and proper understanding of the nature, quality and character of Canada's Federal National Standard, namely, ISO 9001:2015 and how it is designed to REDUCE RISK of a REGULATED BUSINESS?
does your FSRA-regulated Managing General Agent and Insurance Risk Manager know that BLOCKCHAIN™ is proprietary trademark source identifier owned by MQCC® so it cannot be grounds for increase in a premium (since a trademark has zero inherent risk)
among other questions
to-date (September 2022) the FSRA-regulated insurance agency has failed to respond.
3.1.15 - This episode between the FSRA-regulated insurance agent and MQCC® highlights the emergence of a potential problem that FSRA and its regulated errors and omissions insurance companies may need to deal with, as follows:
In accordance with normal regulatory standards including advertising standards, one regulatee of FSRA cannot use the same trademarks or source identifiers as another FSRA regulatee.
In the case of MQCC®, terms like BLOCKCHAIN™, CRYPTO™ brand crypto, FNFT™, BITMORTGAGE®, BITCOIN™ serve as trademarks of MQCC® and conform to private standards and public standards, when "used-in-commerce". The problem is, if ONE FSRA-regulated insurance underwriter is unaware of this reality, then others FSRA-regulated insurance underwriters will be equally unaware of this reality, creating confusion in the mind of Ontario consumers and resulting in possible law suits.
It may be prudent to notify FSRA-regulated Mortgage Brokerages, Brokers, Agents, Administrators, credit unions, lenders, financial advisors that are regulated by FSRA that they should avoid use the trademarks other FSRA regulatees in their day to day business affairs.
Indeed, if a FSRA-regulated insurance company discovers that its insured mortgage broker or insured mortgage administrator or insured financial planner is trading in "BITCOIN™"; BITMORTGAGE®, CRYPTO™ brand crypto; or BLOCKCHAIN™ brand quality management systems, it would be prudent for the FSRA-regulated insurance company to ask the insured for "proof of licensure of MQCC® intellectual property with MQCC®" otherwise the FSRA-regulated insurance company may be exposing itself and its policy holders to undue risk caused by unauthorized use of MQCC® intellectual property.
As the reality of MQCC® developments and innovations become more widely known by consumers in Ontario, I expect this type of misunderstanding between "what is a trademark" and "what is a generic good or service" to reduce but until then, misunderstandings of "what is BLOCKCHAIN™", "what is BITCOIN™" and what is "CRYPTDO™ brand crypto", will likely increase.
(4) If FSRA wishes to learn about the benefits of Quality Management in Finance, feel free to visit MQCC® website at www.mqcc.org and CQMFA™ Certified Quality Management-in-Finance Association at www.cqmfa.org.
(5) If you wish to learn more about MQCC® and its innovations, feel free to read the following websites and scientific, academic and textbooks:
The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]
Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]
Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]
Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]
How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]
MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]
Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]
Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]
Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]
OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]
Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]
An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]
Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]
This is not a complete list.
(6) If FSRA starts seeing consumer complaints or if FSRA-regulated insurance companies start seeing increased law suits from consumers who have lost $$$ because they are investing in non-MQCC® brand, non-standard (and therefore low quality and high risk or volatile) goods and services that are actually or ostensibly being passed off as one or more MQCC® trademarks, i.e.: "BITCOIN™", BLOCKCHAIN™", BITMORTGAGE™, CRYPTDO™ brand crypto; please feel free to let me know if I can help by providing expert witness support in your investigations or lawsuits. As a further courtesy notice to you; every lawyer or policy make trained as a lawyer employed or appointed by any FSRA-regulated organization or FSRA, should take the time to read www.blockchainforlawyers.com.
(7) In conclusion, congratulations to FSRA for developing a "Proposed Insurance Prudential Supervisory Framework" (guidance/IPSF).
Sincerely,
/a/
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
"Proud Sponsor of the Canadian Dream"®
A finance sector process of MQCC™ Meta 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: Managing The Metaverse™ www.metaversepedia.info™; 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 Meta 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.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
May 2022 Public Consumer Protection Message to Mr. Robert W. Cook, Esq.,
May 2022 Public Consumer Protection Message to Mr. Robert W. Cook, Esq.,
President FINRA Financial Industry Regulatory Authority (USA) and US Investors and Foreign Direct Investors who place their
President FINRA Financial Industry Regulatory Authority (USA) and US Investors and Foreign Direct Investors who place their
Financial trust in FINRA-regulated Organizations and Professionals
Financial trust in FINRA-regulated Organizations and Professionals
Visit www.MQCCSECFINRA.com to learn more.
MQCC.org™- May 2022 Public Consumer Protection Message to Mr. Robert W. Cook, Esq., President FINRA.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® - FSRA: Public Comment in respect to #2022-009: Proposed guidance on pension plan amendments; Suggestion to
MQCC® - FSRA: Public Comment in respect to #2022-009: Proposed guidance on pension plan amendments; Suggestion to
Broaden the Scope of the Guidance Consultation in Conformity to Ontario Taxpayer & Public Protection Mandate
Broaden the Scope of the Guidance Consultation in Conformity to Ontario Taxpayer & Public Protection Mandate
Digital Version of letter to Financial Services Regulatory Authority of Ontario (FSRA) RE: Public Comment ID #2022-009
Digital Version of letter to Financial Services Regulatory Authority of Ontario (FSRA) RE: Public Comment ID #2022-009
September 14, 2022
September 14, 2022
MQCC®: Your Source of the MQCC® "UPGRADE ALGORITHM™" brand of quality management systems and services
MQCC®: Your Source of the MQCC® "UPGRADE ALGORITHM™" brand of quality management systems and services
MQCC® - FSRA: Public Comment in respect to #2022-009: Proposed guidance on pension plan amendments; Suggestion to Broaden the Scope of the Guidance Consultation in Conformity to Ontario Taxpayer & Public Protection Mandate CQMFA™
Anoop Bungay <anoop.bungay@mortgagequote.ca>
Anoop Bungay <anoop.bungay@mortgagequote.ca>
10:48 AM (4 minutes ago)
to Contact, doug.fordco, Peter.Bethlenfalvy, tabunsp-qp, CFife-QP
Ms. Joanne De Laurentiis
Chair
Financial Services Regulatory Authority of Ontario
25 Sheppard Avenue West,
North York, ON
M2N 6S6
via public post at "FSRA request for comments" and CC to contactcentre@fsrao.ca
Ontario general public access: www.BlockchainForLawyers.org
RE: FSRA seeks public feedback on its Proposed Guidance that clarifies requirements for Pension Plan Amendments to protect plan members
Dear Joanne and Team Members at FSRA Ontario;
Please accept the following "comment" and, as a corollary, the "suggestion" which follows.
Sincerely,
/s/
Anoop Bungay
Founder, Chair, CEO & President
MQCC®
FSRA: #12279
(1) Public Comment:
MQCC® wishes to commend FSRA in its effort to:
promote good administration of pension plans
protect and safeguard the pension benefits and rights of pension plan beneficiaries
To use a MQCC® trademark slogan: "Keep on Going!™"
(2) Suggestion:
In accordance with one or more requirements or expectations written in the Mandate Letter from the Ontario Minister of Finance, namely, Peter Bethlenfalvy (Mr.) to the Chair of Financial Services Regulatory Authority (FSRA) of Ontario, namely, Joanne De Laurentiis (Ms.), published at the FSRA website on Apr 26, 2022, in respect to FSRA's:
"...vital function regulating Ontario's non-securities financial services and pension sectors."; to,
"...foster strong, sustainable, competitive, and innovative financial services sectors and promote good administration of pension plans."; in order to,
"Protect the public interest...", for the benefit of,
"taxpayer and the people we serve.", specifically:
"...families, workers, and employers...."
and in further accordance to the FSRA Legislative Mandate noted at the FSRA About Us webpage:
Regulate and generally supervise the regulated sectors
Contribute to public confidence
Monitor and evaluate developments and trends
Promote public education and knowledge
Promote transparency and disclosure of information
Deter deceptive or fraudulent conduct, practices and activities
the below suggestion is in respect to "12+ years of innovation within the FSRA domain", will help you, in your role as Chair, to lead FSRA in advancing --- at the minimum --- the following FSRA Legislative Mandate functions:
Contribute to public confidence
via de jure, Canadian and International National (Federal) Standards-based processes like ISO 9001:2001 or later standards (see more below)
via de facto MQCC® Canadian Industry and Global Industry Standards™ that integrate with one or more de jure Canadian and International National (Federal) Standards-based processes like ISO 9001:2001 or later standards (see more below)
Monitor and evaluate developments and trends
there is no greater development or trend that affects Ontario taxpayers (families, workers, corporations) like the subject matter of this suggestion (see more below)
Promote public education and knowledge
via MQCC® primary source (ACCREDITED CLASS®) Originating Body of Knowledge OBOK™; integrated with standards that are trusted by Canadian government and public and private policy makers, world-wide
Promote transparency and disclosure of information
via responses to FSRA Public Comment, for example this comment today.
Deter deceptive or fraudulent conduct, practices and activities
via MQCC® public notice to regulators, regulatees and members of the general public; that there are distinctive qualities that distinguish standards-based, original, consumer-safe (OFFICIAL AUTHENTIC ORIGINAL™ OAO™) innovative financial goods and services operating within the domain of FSRA regulatory oversight, seperate and apart from non-standard's-based (counterfeit, fake, pirated) or non-conforming financial goods and services that are actually or ostensibly or functionally, passing off as "innovative" but fail to meet decades long (10+ years) of establish standards of quality, safety and commercial success -- and become available to the public under the guise of "experimental".
(2.1) MQCC® Suggests the following in respect to advancing the need for reducing risk (risk-based management) through "good administration" of pension plans by pension plan Administrators (Leadership including Top Management), including the need for "protection and safeguarding" beneficiaries and stakeholders [this suggestion is also applicable to other FSRA regulatory scopes or sectors, directly and indirectly including: Mortgage Brokers; Financial planners and advisors; Loan and trust companies; Credit unions and caisses populaires; Property and casualty insurance]:
(2.1.1) In an effort to maintain continual improvement for the benefit of the Ontario public; FSRA might seek to consider expanding its "guidance consultation" for the Top Management of regulated Pension organizations beyond the mundane regulatory processes of risk management (risk reduction or risk prevention or risk mitigation or risk-based corrective action) that are technical or administrative in nature, like the current "proposed Plan Amendments" procedures, to include a higher-level (meta) "principles-based approach" on how Ontario Pension plan Leadership (Top Management) are able to access primary source, authoritative, Canadian National (Federal) high-quality-standards-based (ACCREDITED CLASS®) learning, education, training (LET); testing, accreditation, registration (LETTAR™) and information BEFORE exposing their Pension Fund to clear and present "undue risk", when directly or indirectly investing their pension funds in financial goods and services (projects) that are "known as" or "borne from" the following generic terms or generic terminological phrases:
"crypto" (fully, correctly and terminologically synonymous -- based on originated use-in-commerce --- as: Peer-to-Peer (P2P)/Private/Secret/Shadow) Finance)
peer-to-peer electronic finance system (a superordinate financial system)
peer-to-peer electronic cash system (a subordinate financial system)
(2.1.1.1) Why?
(2.1.1.1.1) Reasoning
As a public regulatory body (versus a private regulatory body), FSRA seeks -- among other things --- to reduce risk to the Ontario public in matters of non-securities financial services and pension sectors. Over the recent years, it has become public knowledge that some Canadian pension funds have invested in "crypto" related "goods and services/projects" and this has resulted in exposure to non-trivial negative risk, including undue or unmitigated, public market driven volatility (beta) or negative loss of Pension Funds $. Indeed, any member of the general public may do a "google" search and see many results, for example:
On July 5, 2022, an internet blogger, David Gerard published: "Canadian Pension Funds are Losing Big at the Crypto Casino"
On July 21, 2022, Toronto (Ontario) CityNews published the following article: Crypto plunge is cautionary tale for public pension funds at toronto.citynews.ca
On June 13, 2022, The Globe and Mail published: How the crypto crash exposed the sector’s lies – and left retail investors in the lurch ; stating:
"But it all grew so feverish that major institutional investors started taking the bait, too. In October, the Ontario Teachers’ Pension Plan invested in ...."
To prevent exposure to undue risk to consumers and beneficiaries, every regulator, elected official, appointed official, policy maker or Pension Fund Manager must be aware of an irony and coincidence of historic proportions:
Since at least as April 9, 2005 -- the concept system of "crypto" (and its superordinate, peer or subordinate concept systems: "free trading securities (a Canadian National Instrument term) or non-securities financial services (a FSRA term)", "specie", "token", "fungibility", "distributed ledger", "conformity", "quality management systems", "national standards", "digital transformation", "international standards", "public standards", "private standards", "de jure standards", "de facto standards", "originating standards", "decentralized commerce", "decentralized finance", "modernized finance and banking", "financial technology and other terms (not a complete list)) in its regulatory-integrated, commercial form, was first made available to a global audience of upto 6.512 Billion persons (2005 Earth Population) at PRIVATELENDER.org: Canada's Private Lending Network® at the Uniform Resource Locator: www.privatelender.org. This system is designed to keep trading in non-securities financial services between 2 parties (on a peer to peer basis) "private" or "secret". In the event that a non-securities financial services financial transaction between two (2) parties (peer to peer) occurs on an electronic, global computer network, transmissions and transactions may be protected from third-party disclosure through use of cryptography --- hence the generic term: "crypto" [within the finance sector, the complete term is actually: Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Finance; terminologically known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance; Source: International Peer-to-Peer (P2P) & Private Finance Association IP2PFA™ (www.ip2pfa.org)]
PRIVATELENDER.org: Canada's Private Lending Network®, located at www.privateLender.org is managed by a FSRA regulatee, namely, MortgageQuote Canada Corp. (MQCC®); and MQCC® is regulated by a member of the Mortgage Brokers Regulator Council of Canada (MBRCC) since at least as early as April 9, 2005; including FSRA (and its predecessor) since at least as early as July 5, 2012.
Since at least as April 9, 2005, the backbones of PrivateLender.org is comprised of the following MQCC® SYSTEM-NETWORK SERVICE™ components:
A system-network of conformity: The world's first utility token: namely, BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™
A system-network of manufacturing free trading securities: The world's first securities token: namely, BUNGAY INTERNATIONAL TECHNOLOGY MORTGAGE™: BITMORTGAGE®
A system-network of Canadian National (Federal) de jure Standards-integrated (and international equivalent in 118+ countries) quality management system, namely: BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™
The science that underpins "crypto" and related concept systems is known as non-novel (exact) conformity science; visit www.conformity.org to learn more.
Conformity science is designed to reduce risk and for over 20 years, MQCC® and Bungay International Inc. have proven to Ontarians, Canadians and the global community , time and again, at a commercialized and regulatory-integrated standard, that the FSRA-regulated business of MQCC® "works", is "consumer and industry safe" and "regulatory safe".
one or more component and end-to-end processes of conformity science are known collectively by the source identifier trademark, PRINCIPLES OF BLOCKCHAIN™, including:
traceability
verifiability
immutability
nonrepudiation
accountability
competency
proficiency
consensus
standards
quality management
not a complete list
At least as early as May 9, 2008, the MQCC® end-to-end organization processes were registered to the Canadian National Standard ISO 9001:2000 and subsequent standards.
For the past 14 years, MQCC® creates digital and non-digital free trading or non-securities financial services within the same environment of quality that the Bank of Canada uses to manufacture currency. [this may be why the world ---albeit erroneously --- uses the unitary term: 'cryptocurrency' in some circles. This is wrong and is causing consumers (Ontarians and non-Ontarians (Canada and International)) a high degree of confusion. You can learn more on this subject at edu.mqcc.org or www.mqcc.org] Visit www.CQMFA.org Certified Quality Management In Finance Association, to learn more.
For over 21 years, MQCC® and Bungay International Inc. have proven to the world that "crypto" is a risk management system; it is safe, reliable, good and better, safer and more efficient than anything the world of finance had ever known, prior.
MQCC® is continuously insured by one or more Office of the Superintendent of Financial Institutions OSFI-regulated or FSCO/FRSRA regulated Insurance Company or RIBO Registered Insurance Brokers of Ontario organizations, for Errors and Omissions liability for over 12 years; here is a list (some companies might not appear since they might have merged or changed names);
FSRA Approved Errors and Omissions Insurance Providers (2020/10/22)
(OSFI - (Office of the Superintendent of Financial Institutions) Regulated) or (FSRA - (Financial Services Regulatory Authority of Ontario) Regulated) or (RIBO - (Registered Insurance Brokers of Ontario) Regulated)
Insurer
Insurance Broker
AIG Insurance Company of Canada
Various Brokers
Victor Insurance Managers Inc. (formerly Encon Group Inc.)
PROLINK Insurance Inc.
Intact Insurance Company, Western Division
IDRIS Insurance Brokers Ltd.
International Insurance Company of Hannover SE through A.M. Fredericks Underwriting Management Ltd.
Various Brokers
Lloyd’s Underwriters
RDA Inc.
Lloyd’s Underwriters
Holman Insurance Brokers Ltd.
Lloyd’s Underwriters per Caitlin Canada Inc.
Various Brokers
Lloyd’s Underwriters through Special Risk Insurance Managers Ltd.
InsureLine
Lloyd’s Underwriters through Evolution Insurance Inc.
Various
Lloyd’s Underwriters as arranged by Trinity Underwriting Managers
Various Brokers
Royal & Sun Alliance Insurance Company of Canada (for existing clients only)
Jones Brown Inc.
Sovereign General Insurance Company through Premier Canada Assurance Managers Ltd.
Various Brokers
XL Specialty Insurance Company - Canadian Branch
Various Brokers
Regulated Financial Advisors in Ontario and Non-regulated Financial Advisors in Ontario and other jurisdictions must be made aware that yor over 15 years, since at least as early as April 9, 2005 and earlier, "correct and proper" 'crypto' financial instruments conform to Canada Revenue Agency CRA investment programs eligibility including some or all of the following:
RRSP - Registered Retirement Savings Plan
TFSA - Tax Free Savings Account
RRIF / SPOUSAL RRIF / PRESCRIBED RRIF Registered Retirement Income Fund
FAMILY / INDIVIDUAL RESP - Registered Educational Savings Plan
LIRA / LRSP / RLSP & LIF / NEW LIF / RLIF - Locked-In Retirement Account and Locked-In Income Fund
Correct, proper, originating "crypto" [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] and related goods and services inherently and organization's REDUCE CARBON FOOTPRINT
Correct, proper, originating [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] "crypto" is not regulated by or subject to:
a member of the Canadian Securities Administrators
FINTRAC: Financial Transactions and Reports Analysis Centre of Canada
OECD: Organization for Economic Co-operation and Development; CRS Common Reporting Standards
not a complete list
Ask any other "crypto" company CEO if they have the same results. The answer is "no" because what the "world" thinks is "crypto" (including CRA, Canada Revenue Agency) is, regrettably, false or misleading. Crypto is, among other things, part of a larger risk management utility function that is designed to keep financial transactions on a peer to peer basis (person-to-person; organization-to-organization), safe, and high quality in nature, character, feature, form, function, purpose, extent or utility; and FSRA and those who place their trust in FSRA, namely, the Ontario taxpayer and general public, should know this reality.
(2.1.1.1.2) Implications:
To prevent the future possibility of negative risk to Pension Fund Managers (and other FSRA regulated entities) including exposure to financial risk or intellectual property claims; it would be prudent for a Pension Fund Manager to take the time to discover MQCC® before directly or indirectly
[indirect investing means:
investing in Federally Regulated Financial Institutions, ie: Banks
investing in non-Federally Regulated Financial Institutions, ie: Credit Unions
investing in publicly trading companies
investing in non-publicly trading companies]
related to "crypto" or related to the trademark source identifiers of various genus and specie of goods and services owned by MQCC® including:
BLOCKCHAIN FOR LAWYERS™
CRYPTO FOR LAWYERS™
METAVERSE FOR LAWYERS™
BLOCKCHAIN FOR POLICY MAKERS™
CRYPTO FOR POLICY MAKERS™
CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™
BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™
BITMORTGAGE®; The World's First Securities Token™
PROFESSIONAL BITCOINEER (P. BTCR.)®
PROFESSIONAL BLOCKCHAINEER (P. BCR.)®
FATHER OF BLOCKCHAIN®
FATHER OF CRYPTO®
FATHER OF METAVERSE™
THE GLOBAL STANDARD FOR CRYPTO®
THE GLOBAL STANDARD FOR BLOCKCHAIN®
PRINCIPLES OF BLOCKCHAIN™
BITCOINPEDIA™
BLOCKCHAINPEDIA®
BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system
OFFICIAL AUTHENTIC ORIGINAL OAO™
WORLD BLOCKCHAIN DAY®
WORLD CRYPTO DAY®
FATHER OF FINTECH™
FATHER OF CONFORMTYTECH™
FATHER OF DEFI™
BLOCKCHAIN HALL OF FAME®
ACCREDITED CLASS®
FATHER OF FREE TRADING SECURITIES™
fnot a complete list.
MQCC® is recognized world-wide for its leadership in establishing regulatory-integrated, consumer-safe, innovative goods and services which conform to exacting standards, developed by over 20 years of observation, discovery, development, commercialization, National and International Standards-integration and continual improvement. MQCC® is also recognized for "primarily making financial innovation safe, reliable, good; better, safer and more efficient rather than primarily making money" and building upon the hype of uninformed CEO's, ill-informed mainstreet investors and untrained promoters.
This risk prevention message would go beyond the scope of Pension Fund Managers and would also benefit other FSRA regulated sectors or industry groups including:
regulated or non-regulated Ontario or other jurisdiction financial planners
regulated or non-regulated Ontario or other jurisdiction financial advisors
regulated or non-regulated Ontario or other jurisdiction retirement planners
loan and mortgage companies
not a complete list
(2.1.2) Despite the fact that it takes 4 years for a Bachelor-level degree in conformity science; another 2+ years for a Masters-level degree; another 2+ years for a PhD. level of degree. As courtesy, you are welcome to study on your own; here are some academic, scientific and technical textbook references:
The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]
Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]
Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]
Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]
How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]
MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]
Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]
Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]
Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]
OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]
Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]
An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]
Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]
This is not a complete list.
(2.1.3) Similar messages with varying degrees of content, over the course of up to 15 or more years, to Top Management, have been sent, either on a peer-to-peer basis (direct) or non-peer-to-peer basis (indirect), to:
International Conference of Legal Regulators (ICLR);
American Bar Association (ABA);
Federation of Law Societies of Canada (FLSC); (see www.BlockChainforLawyers.org to read the letters)
current or former Canadian elected or appointed officials, or heads of organizations or senior members of organizations including provincial regulatory bodies in various industries; Canadian federal government ministries or agencies including Federal law enforcement, including:
Minister of Finance (Federal)
Ministry of Finance (Federal)
Treasury Board Secretariat of Canada
Competition Bureau of Canada
Top Management in the Alberta Government
Real Estate Council of Alberta RECA
BC (British Columbia) Ministry of Finance; Deputy Premier of BC
Financial Services Regulatory Authority of Ontario FSRA (formerly FSCO)
BC Financial Services Agency BCFSA (formerly FICOM)
Ontario Securities Commission OSC
including practicing or non-practicing lawyers (licensed legal professionals) in various and sundry roles from policy making to investigation to enforcement
International Science Council
Chief Science Officer of Canada
Bank of Canada (1 or Senior Managers and 1 or more Past Governors)
Various and sundry journalists including Bloomberg; National Post of Canada; FOX Business; visit: ijcs.mqcc.org)
Heads (past and current) for various G20 and G7 Central Banks
TMX Group
this is an incomplete list; visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
International bodies and other international organizations
United Nations
United States current and former Presidents
United States Congressional Committee Chairs
United States Securities and Exchange Commission SEC®
Financial Regulatory Authority FINRA USA
Bank of England, both Current and Past Governors
this is an incomplete list visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
Thank you Joanne, for allowing me to share my comments and suggestions with you and FSRA on the matter of #2022-009: Proposed guidance on pension plan amendments.
PS: In your 2019 Globe and Mail Opinion entitled: Modernizing the regulation of financial advice; you are correct:
Your comments:
"the time is ripe for a merger."
"The duplicative SRO regime only adds confusion to an already complex regulatory system."
My comments:
Simply look at the MQCC® Disclosure History; look at all of the duplicate emails to Alberta, BC, Ontario, Federal Canada Departments, Ministries, Agencies, Crown Corporations.
Imagine how many Millions of Canadians would have saved their retirement money by NOT investing in non-conforming, non-standard (fake, counterfeit, pirated) "crypto" that is borne of non-orginal, non-primary source knowledge, methods and sources of MQCC®; for example - here are some google search headlines for "Ontarian loses crypto"
Ontario couple lost more than $370K in crypto scam: police
Ontario man loses $106,000 in cryptocurrency scam - YouTube
[Ontario] Victim loses $7000 in crypto currency fraud scam
Implication:
Ontarians need to know that the correct and proper nature, quality, character, feature, form, purpose, utility, extent, history of what they think "Crypto" (and related concept systems) is NOT what they are being told; by untrained and unqualified persons, including CEO's and other regulatees of FSRA, OSFI and other regulatory bodies.
Especially those persons who have been exposed to the non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin"; which is nothing more than a self-executing financial viral algorithm designed to prey on the inherent weakness of humans ("fear of missing out" or "fomo") and use the guise of "experimental finance" as the basis or guise (intentionally or unintentionally) to take $ from one person and place the $ into the hands of another person, without utility or function. [While I understand you - Joanne -- have a history in the Payments Industry, the idea that non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin" can be used as a "store of value" or an efficient "payment transfer" among other things, is patently and provably and demonstrably, false; after all, MQCC® (Bungay International) is, afterall, as the creator of OFFICIAL AUTHENTIC ORIGINAL™ OAO™ BITCOIN™ brand of utility token, so if anyone knows, to use a trademark term: "WHAT BITCOIN IS; WHAT BITCOIN DOES™", it is yours sincerely. Visit www.BITCOIN.eco (www.bitcoineco.com) to learn.]
The good news is that MQCC® created the "UPGRADE ALGORITHM™" brand of quality management business process to negate some or all of the negative effects of non-conforming, non-standard or fake, counterfeit, pirated or generic, "bitcoin".
DISCLAIMER: This email is not legal advice, nor conformity advice, nor "advice-of-any-kind"; this email is merely a comment and suggestion to FSRA; including fair and reasonable, necessary disclosure of certain scientific and historic facts that must be made known to the people of Ontario who entrust regulatory organizations like FSRA.
CC:
Hon. Doug Ford; Premier, Leader, Progressive Conservative Party of Ontario Leader, Progressive Conservative Party of Ontario Minister of Intergovernmental Affairs (doug.fordco@pc.ola.org)
Hon. Peter Bethlenfalvy; Minister of Finance (Peter.Bethlenfalvy@pc.ola.org)
Peter Tabuns; Leader, Official Opposition, Critic, Intergovernmental Affairs Critic, Energy and the Climate Crisis, Leader, New Democratic Party of Ontario (tabunsp-qp@ndp.on.ca)
Catherine Fife; Critic, Treasury Board, Critic, FinanceMember, Standing Committee on Finance and Economic Affairs (CFife-QP@ndp.on.ca)
--
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
"Proud Sponsor of the Canadian Dream"®
A finance sector process of MQCC™ Meta 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: Managing The Metaverse™ www.metaversepedia.info™; 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 Meta 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.
FSRA_ Public Comment in respect to #2022-009.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® Public Comments Re: The US Dept. of Treasury; Office of Financial Research: OFR; 20th meeting of the Financial Research Advisory Committee (FRAC) Confirmation -08-Nov-22
MQCC® Public Comments Re: The US Dept. of Treasury; Office of Financial Research: OFR; 20th meeting of the Financial Research Advisory Committee (FRAC) Confirmation -08-Nov-22
MQCC® Message to OFR - FRAC: RE: COMMENTS on 21 Years of DEFI: A FATHER OF BLOCKCHAIN®; FATHER OF CRYPTO®; FATHER OF BITCOIN™ Public Message
MQCC® Message to OFR - FRAC: RE: COMMENTS on 21 Years of DEFI: A FATHER OF BLOCKCHAIN®; FATHER OF CRYPTO®; FATHER OF BITCOIN™ Public Message
MQCC-USTreasury-OFR-FRAC-08-Nov-22.pdfGet started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® Public Comments Re: The US Dept. of Treasury; Randall S. Kroszner
MQCC® Public Comments Re: The US Dept. of Treasury; Randall S. Kroszner
Chair, Financial Research Advisory Committee; Office of Financial Research: OFR
Chair, Financial Research Advisory Committee; Office of Financial Research: OFR
Chair-To-Chair; Peer-to-Peer: MQCC® Chair Memo to Treasury OFR-FRAC Chair: RE: Fwd: Case #00016666 - Your email has been received by the Regulations Help Desk Team! [ ref:_00Dt0Gyj0._500t012uNSM:ref ]
Chair-To-Chair; Peer-to-Peer: MQCC® Chair Memo to Treasury OFR-FRAC Chair: RE: Fwd: Case #00016666 - Your email has been received by the Regulations Help Desk Team! [ ref:_00Dt0Gyj0._500t012uNSM:ref ]
---------- Forwarded message ---------
---------- Forwarded message ---------
From: Anoop Bungay <anoop.bungay@mortgagequote.ca>
Date: Thu, Nov 10, 2022 at 10:45 AM
Subject: Chair-To-Chair; Peer-to-Peer: MQCC® Chair Memo to Treasury OFR-FRAC Chair: RE: Fwd: Case #00016666 - Your email has been received by the Regulations Help Desk Team! [ ref:_00Dt0Gyj0._500t012uNSM:ref ]
To: <OFR_FRAC@ofr.treasury.gov>, <webmaster@ofr.treasury.gov>
Cc: <jonathan.fishman@treasury.gov>, Regulations Help Desk <regulationshelpdesk@gsa.gov>, <randy.kroszner@chicagobooth.edu>
Randall S. Kroszner
Chair, Financial Research Advisory Committee
Office of Financial Research
U.S. Department of the Treasury
717 14th Street, NW
Washington, DC 20220
OFR New York
290 Broadway
Floor 13
New York, NY 10007
(via email and via twitter)
Randall,
In an effort to help you advance your goal to achieve your Vision of "A transparent, accountable, and resilient financial system."; and, in response to your very public request for help from qualified persons (see below Reference 1) and pursuant to an email to your offices (care of Melissa Avstreih) with the attached content (see attachment); and, pursuant to The President's (Joseph R. Biden) Executive Order 14067 of March 9, 2022, namely, Ensuring Responsible Development of Digital Assets and subsequent "Notice by your Treasury Department team on 09/20/2022" (Document Number: 2022-20279)"; you, in your role as Chair of a "financial research" team would be among the first to appreciate knowledge --- at an authoritative standard --- gained from the world's only primary source of correct and proper knowledge on the subject of creating "A transparent, accountable, and resilient financial system" through over 21 years of correct, proper and responsible development of digital financial goods and services; including those identified by the below list of source-identifier, trademark brand names developed by yours sincerely.
As such, might I ask you to advocate for me and see if your colleague, Mr. Fishman might consider my request to permit MQCC® to formally submit an untimely response to the Federal Register Notice: Document Number 2022-05471; given that the notice -- unlike other notices of similar quality, nature and character by other US Government Departments --- does NOT expressly forbid or prohibit untimely responses?
If Mr. Fishman's team might not be interested, at least your team might be -- or millions of US residents and billions of foreign direct and indirect stakeholders who trust the US Treasury Department.
Kindly review the below thread and attached pdf and feel free to visit the very public, verifiable, traceable, immutable, non-repudiable, quality-managed, incontestable public record via the "internet" for "Anoop Bungay"; and once you get a sense that yes, you really are speaking to the person who --- at least as early as April 9, 2005 --- developed the GLOBAL AND METAVERSE™ brand, integrated federation of system-networks known as OFFICIAL AUTHENTIC ORIGINAL™ BITCOIN™ BLOCKCHAIN™ CRYPTDO™ brand of electronic and non-electronic financial networks and integrated the federation with United States Federal National Standards (at least as early as May 9, 2008) to provide consumers, government and industry with regulatory-integrated, regulatory-exempt, insurable, traceable, verifiable, immutable, incontestable, quality managed, non-repudiable assurances of quality, safety, fit-for-purpose, fit-for-use and source-origination goods and services, then it may be fair and reasonable to permit my untimely response -- or, to re-open the comment period.
Memorialized on Youtube; when I first introduced the what the world' today recognizes as the BITCOIN™ brand of peer-to-peer electronic cash system, to the world in 2009 --- which you can still see on the MortgageQuote YouTube page --- my opening paragraph gave homage to the Great American, Edgar Allan Poe (and famous student of cryptography): "Believe nothing you hear and only half of what you see" (I am paraphrasing). As millions of US consumers -- as recently as yesterday and this morning --- are beset with the financial horror and reality (not merely a story) of the implications of partcipating in (developing, promoting, investing ) in "nonconforming digital financial structures" (ie: nonconforming crypto and related experiments); the time is urgent for policy makers like Jonathan and researchers like you, Randall; to learn -- and learn from the primary source.
Luckily, I have been very public for the past 20+ years (hiding in plain sight -- if you will); so you can learn freely if you choose not to contact me. Since you earned your Master's and PHD from Harvard, you really should read my textbook (available on Google Play and Amazon) entitled: Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ --- regarding the origins of "digital finance" and applications of non-novel (exact) conformity science (www.conformity.org) including goods and services source-identified as: OFFICIAL AUTHENTIC ORIGINAL™ BITCOIN™ among other genus and species of subjects, topics, goods and services. And, since you are academically-minded, please note that MQCC® quality standards exceed United States Department of Education (DOE) quality assurance standards for both institutional and programmatic applications -- the inference: you are assured of a US Federal National Standard of quality of primary source knowledge on this subject.
Anyhow, just a query to elicit your help in order to help your Treasury Department lead the millions of US residents and billions of foreign direct and indirect investors with primary-sourced knowledge authority, not merely prescribed regulatory authority.
Sincerely,
/s/
Anoop Bungay
Chair: MQCC®
CC: Jonathan Fishman
US GSA; Regulations Help Desk
REFERENCE 1
The Committee provides an opportunity for researchers, industry leaders, and other qualified individuals to offer their advice and recommendations to the OFR, which, among other things, is responsible for collecting and standardizing data on financial institutions and their activities and for supporting the work of the Financial Stability Oversight Council. Source: Federal Register Document Number: 2022-22881
---------- Forwarded message ---------
From: Anoop Bungay <anoop.bungay@mortgagequote.ca>
Date: Wed, Nov 9, 2022 at 11:54 AM
Subject: Re: Case #00016666 - Your email has been received by the Regulations Help Desk Team! [ ref:_00Dt0Gyj0._500t012uNSM:ref ]
To: Regulations Help Desk <regulationshelpdesk@gsa.gov>, <jonathan.fishman@treasury.gov>
Thank you Team Regulations.gov;
Mr. Fishman (Jonathan);
Good day;
Anoop Bungay here;
As per my email to your office yesterday and pursuant to the recommendation from your Team at Regulations.gov; given that your "notice" does not expressly state that "untimely responses will not be considered", might MQCC® proceed to submit an untimely response to your department?
Why?
(1) In varying degrees, as explained to at least four (4) current and past United States Presidents (see: www.president-to-president.org); prior-explained to past-Secretary Mnuchin, current-Secretary Yellin; recently explained to leadership (Mr. Randall S. Kroszner and his team - via a public request for comment) at FARC (Financial Research Advisory Committee) at Treasury OFR (Office of Financial Research); for many years, it is a matter of both traceable common public record (at least as early as April 9, 2005) and traceable OFFICIAL United States Government Record, on the Principal Register of the United States Patent and Trademark Office, that yours sincerely, namely, Anoop Bungay, first created the free-trading, regulatory-exempt or regulatory-integrated, self-regulatory, quality managed, US Federal National Standards-integrated (at least as May 9, 2008) algorithmic processes that are known by one or more consumer safety mechanisms; including source identifiers like trademark brand names (which serve as an assurance of quality, safety, fit-for-use, fit-for-purpose) used-in-commerce including the OFFICIAL AUTHENTIC ORIGINAL™ OAO™ system-network known world-wide as BITCOIN™ and including:
FATHER OF DEFI™
FATHER OF NON-BANK FINANCIAL CREDIT INTERMEDIATION™
FATHER OF RISK-BASED FINANCE™
FATHER OF NET ZERO-CARBON REDUCING INNOVATIVE FINANCE™
BLOCKCHAIN FOR LAWYERS™
CRYPTO FOR LAWYERS™
METAVERSE FOR LAWYERS™
BLOCKCHAIN FOR POLICY MAKERS™
CRYPTO FOR POLICY MAKERS™
FATHER OF BLOCKCHAIN®
FATHER OF CRYPTO®
FATHER OF METAVERSE™
THE GLOBAL STANDARD FOR CRYPTO®
THE GLOBAL STANDARD FOR BLOCKCHAIN®
PRINCIPLES OF BLOCKCHAIN™
CRYPTO, BITCOIN, BLOCKCHAIN AND METAVERSE FOR ELECTED OFFICIALS AND REGULATORY BODIES; REGULATORY PROFESSIONALS™
BUNGAY INTERNATIONAL TECHNOLOGY CONFORMITY OF ORGANIZATION AND INDIVIDUAL NETWORK: BITCOIN™; The World's First Utility Token™
BITMORTGAGE®; The World's First Securities Token™
PROFESSIONAL BITCOINEER (P. BTCR.)®
PROFESSIONAL BLOCKCHAINEER (P. BCR.)®
BITCOINPEDIA®
BLOCKCHAINPEDIA®
BUNGAY LOGIC AND ORDER CONFORMITY KERNEL; CYBER/NON-CYBER HARMONIZED ARTIFICIAL/NON-ARTIFICIAL INTELLIGENT NETWORK: BLOCKCHAIN™ trademark brand quality management system
OFFICIAL AUTHENTIC ORIGINAL OAO™
WORLD BLOCKCHAIN DAY®
WORLD CRYPTO DAY®
FATHER OF FINTECH™
FATHER OF CONFORMITYTECH™
FATHER OF SYSTEMS-LEVEL AI (Artificial Intelligence)™; SL-AI™
FATHER OF SYSTEMS-LEARNING AI (Artificial Intelligence)™; SLr-AI™
FATHER COMMERCIALIZED QUANTUM COMPUTING CQC™
BLOCKCHAIN HALL OF FAME®
ACCREDITED CLASS®
FATHER OF FREE TRADING SECURITIES™
not a complete list of goods and services source-identified by proprietary trademark brand names
From the very beginning (point of origination) at least as early as April 9, 2005, "digital financial" (Di-Fi™ brand) of goods and services; including both "ASSETS" and the obverse: "DEBTS"; were developed, manufactured and distributed on a peer-to-peer basis, have ALWAYS BEEN developed responsibly -- and continue to be developed responsibly.
(2) Similar messages with varying degrees of content, over the course of up to 15 or more years, to Top Management, have been sent, either on a peer-to-peer basis (direct) or non-peer-to-peer basis (indirect), to:
International Conference of Legal Regulators (ICLR);
American Bar Association (ABA);
Federation of Law Societies of Canada (FLSC); (see www.BlockChainforLawyers.org to read the letters)
current or former Canadian elected or appointed officials, or heads of organizations or senior members of organizations including provincial regulatory bodies in various industries; Canadian federal government ministries or agencies including Federal law enforcement, including:
Minister of Finance (Federal)
Ministry of Finance (Federal)
Treasury Board Secretariat of Canada
Competition Bureau of Canada
Top Management in the Alberta Government
Real Estate Council of Alberta RECA
BC (British Columbia) Ministry of Finance; Deputy Premier of BC
Financial Services Regulatory Authority of Ontario FSRA (formerly FSCO)
BC Financial Services Agency BCFSA (formerly FICOM)
Ontario Securities Commission OSC
including practicing or non-practicing lawyers (licensed legal professionals) in various and sundry roles from policy making to investigation to enforcement
International Science Council
Chief Science Officer of Canada
Bank of Canada (1 or Senior Managers and 1 or more Past Governors)
Various and sundry journalists including Bloomberg; National Post of Canada; FOX Business; visit: ijcs.mqcc.org)
Heads (past and current) for various G20 and G7 Central Banks
TMX Group
this is an incomplete list; visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
International bodies and other international organizations
United Nations
United States current and former Presidents
United States Congressional Committee Chairs
United States Securities and Exchange Commission SEC®
Financial Regulatory Authority FINRA USA
Bank of England, both Current and Past Governors
this is an incomplete list visit www.DisclosureOfBlockChain.com or www.mqcc.org to learn more
(3) As explained to Bloomberg; Federation of Law Societies of Canada FLSC; and the USA FINRA (Financial Industry Regulatory Authority)
The irony is that the correct and proper OFFICIAL AUTHENTIC ORIGINAL™ OAO™ "BITCOIN™" brand of conformity management system "KEEPS YOUR MONEY SAFE™"'; since at least as early as April 9, 2005.
(4) Some final thoughts:
a) BITCOIN KEEPS YOUR MONEY SAFE™.
b) CRYPTDO™ brand CRYPTO KEEPS YOUR MONEY PRIVATE™
c) BLOCKCHAIN™ brand Quality Management Systems Keeps your $ Quality™
(5) If you are wondering why didn't someone tell you about this sooner? Well, please remember, I commercialized a "peer-to-peer" electronic cash system which allows objects of value and their abstractions into items like free trading securities, to be traded between one person to another; so the only way to learn is for a person (peer) to either find me (peer) or for me (peer) to find another person (peer). WIth over 7 billion people on this earth, I will be dead before connecting "everyone".
(6) Despite the fact that it takes 4 years for a Bachelor-level degree in conformity science; another 2+ years for a Masters-level degree; another 2+ years for a PhD. level of degree. As courtesy, you are welcome to study on your own; here are some academic, scientific and technical textbook references:
The 21st CENTURY SCIENTIFIC METHOD™: Triangle to Triangle Pyramid to Solid Square Pyramid: A Stronger Scientific Method by Correct and Proper Application of the Trademark "Principles of 'BlockChain'"™ ; [available only on both Amazon and GOOGLE PLAY]
Origin of a Specie™: A Transparent, Incontestable, Encyclopedic History of the "Principles of 'BlockChain'"; Birth of Binary Digit Utility Tokens, Securities Tokens; International Standards Integration and the Discovery of Conformity Science. 2001:2019 and Onward' ; [available only on GOOGLE PLAY; the most important textbook]
Learn "The Global Standard for BlockChain®" Level 01: for School Children, Chief Executive Officers (CEO) & Chief Fiduciary Officers (C-FIDO™); (BlockChain Means Pinky Promise!™) - Level 01 ; [the only textbook my mother has read; available only on both Amazon and GOOGLE PLAY]
Legislator, Regulator & CEO Conformity Handbook: British Columbia (BC), Canada; [available only on both Amazon and GOOGLE PLAY]
How the April 9, 2005 - World's First - Commercial Application of "Principles of 'BlockChain'" Was Influenced by Secretaries- & Directors-General of UNGA, OECD, WIPO & WTO Organizations from 2001-2005 [available only on both Amazon and GOOGLE PLAY]
MQCC SAFER™ Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance: Be The Bank® Series "Private Lending” Program CANADA - INTERNATIONAL EDITION [available only on both Amazon and GOOGLE PLAY]
Teaching Harvard & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations World-Wide: True "Principles of 'BlockChain'"™ [available only on both Amazon and GOOGLE PLAY]
Anoop Bungay, BlockChain, bitcoin, The UK, Royal Family, The Commonwealth, Current & Future World Leaders: Government, Commerce (Industry-Finance) & Academia; British Subjects, Citizens, Residents [available only on both Amazon and GOOGLE PLAY]
Teaching Billionaire, Founder & CEO: Anoop Bungay { Warren Buffet, Jack Dorsey, Larry Ellison, Jimmy Pattison, Robert F. Smith, MQCC™ { Berkshire Hathaway, Twitter, Oracle, Jim Pattison Group, Vista Equity, [available only on both Amazon and GOOGLE PLAY]
OSI 11™: Bungay Unification of Quantum Phases trademark BLOCKCHAIN™ Layer for Open Systems Interconnection of BlockChain™ System-Networks: 11 Layer DIP™: Distributed (Federated) Integrated Protocol [available only on both Amazon and GOOGLE PLAY]
Teaching SEC™: SCIENTISTS, SECURITIES: Regulator-Policy Maker-Investigator-Lawyer; EXCHANGE, LAW ENFORCEMENT, EDUCATORS: Officers; CHIEF EXECUTIVES: Top Management-CEO of Regulatory & Regulated Bodies [available only on both Amazon and GOOGLE PLAY]
An Invitation to the Secretary General (Chief Executive Officer (CEO)) of the United Nations in Matters of Non-Novel (Exact) Conformity Science & Trademark Originating “Principles of ‘BlockChain”™ [available only on both Amazon and GOOGLE PLAY]
Teaching Dictionary™: A Risk Prevention Notice for Linguists, Lexicographers and Laypersons (You) in matters of Applied Non-Novel (exact) Conformity Science [available only on both Amazon and GOOGLE PLAY]
This is not a complete list.
(7) Pursuant to the President's Executive Order #14067 of March 9, 2022; the questions developed by Treasury.gov in the Notice on 09/20/2022 entitled: Ensuring Responsible Development of Digital Assets; Request for Comment are good and if anyone in commerce knows the answers, it the person who started it all, might you agree? If you are not able to accept an untimely response, perhaps you may consider re-opening your comments?
Sincerely yours,
/s/
Anoop Bungay
On Wed, Nov 9, 2022 at 7:17 AM Regulations Help Desk <regulationshelpdesk@gsa.gov> wrote:
Mr Bungay,
Thank you for contacting the Regulations.gov Help Desk. The Department of the Treasury notice of interest closed for public comment on November 3, 2022.
https://www.regulations.gov/document/TREAS-DO-2022-0018-0001
To inquire if the agency will accept late comments, we suggest contacting the agency representative listed in the For Further Information Contact section of the notice:
Jon Fishman, Assistant Director, Office of Strategic Policy, Terrorist Financing and Financial Crimes, 202-622-5856, jonathan.fishman@treasury.gov
Thank you,
Regulations.gov Help Desk
--------------- Original Message ---------------
From: System [sf_ogp@gsa.gov]
Sent: 11/8/2022 7:44 PM
To: anoop.bungay@mortgagequote.ca
Task Type: Case #00016666 - Your email has been received by the Regulations Help Desk Team!
Hi Anoop Bungay,
Thank you for submitting your inquiry to Regulations Help Desk.
Case #00016666: "Late Submission" has been created and a Regulations Help Desk Technician will respond to you shortly.
Kind regards,
Regulations Help Desk Team
This is an automated message intended for anoop.bungay@mortgagequote.ca. If you are not Anoop Bungay and/or believe you are receiving this email in error, please contact regulationshelpdesk@gsa.gov.
ref:_00Dt0Gyj0._500t012uNSM:ref
--
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
"Proud Sponsor of the Canadian Dream"®
A finance sector process of MQCC™ Meta 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: Managing The Metaverse™ www.metaversepedia.info™; 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 Meta 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.
Contact Information Referral from Barreau Du Québec: Me. François-Philippe Champagne - Minister of Innovation, Science and Industry: from Anoop Bungay, MQCC® Founder; FATHER OF BLOCKCHAIN™/®
Contact Information Referral from Barreau Du Québec: Me. François-Philippe Champagne - Minister of Innovation, Science and Industry: from Anoop Bungay, MQCC® Founder; FATHER OF BLOCKCHAIN™/®
February 7, 2024
February 7, 2024
Original Textbook: CORRECTING MISINFORMATION: Canada-World PUBLIC SAFETY EXCEPTION DISCLOSURE: Origin of Non-novel Conformity Science Application: BLOCKCHAIN™; Privacy; Command & Control; Quality - 2nd Edition
Original Textbook: CORRECTING MISINFORMATION: Canada-World PUBLIC SAFETY EXCEPTION DISCLOSURE: Origin of Non-novel Conformity Science Application: BLOCKCHAIN™; Privacy; Command & Control; Quality - 2nd Edition
Available on Amazon textbooks or Google Play textbooks
Notice to Minister Me. François-Philippe Champagne - Minister of Innovation, Science and Industry
Notice to Minister Me. François-Philippe Champagne - Minister of Innovation, Science and Industry
Notice to Minister Me. François-Philippe Champagne - Minister of Innovation, Science and Industry
Memo to Minister of Innovation - Canada - Corrective Action - Innovation Canada - Email Notice Book Proof - 07-Feb-24.pdfOriginal Textbook: CORRECTING MISINFORMATION: Canada-World PUBLIC SAFETY EXCEPTION DISCLOSURE: Origin of Non-novel Conformity Science Application: BLOCKCHAIN™; Privacy; Command & Control; Quality - 2nd Edition
Available on Amazon textbooks or Google Play textbooks
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC® An Official Authentic Original™ OAO™ Source of Knowledge
MQCC® An Official Authentic Original™ OAO™ Source of Knowledge
Your Official Authentic Original™ (OAO™) Source for:
Disinformation caused by intermediation
Secondary Meaning
CEO and Top Management in Government, Non-Government, Industry (Commerce, Finance) and Academia: BLOCKCHAIN KEEPS YOU SAFE™
NOTICE: Separate and distinct from a generic use of the compound term; BLOCKCHAIN™ is a well-known mark and source identifier trademark brand for certain goods and services, used-in-commerce by MQCC Bungay International LLC and licensees.
NOTICE: Separate and distinct from a generic use of the compound term; BLOCKCHAIN™ is a well-known mark and source identifier trademark brand for certain goods and services, used-in-commerce by MQCC Bungay International LLC and licensees.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC®: The Authoritative Source for the Legal Profession and Judiciary, World-Wide.
MQCC®: The Authoritative Source for the Legal Profession and Judiciary, World-Wide.
BLOCKCHAIN FOR LAWYERS™ is endorsed by the following MQCC™ Initiatives:
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
MQCC™: The Worlds First BlockChain Company™; The Worlds Most Trusted BlockChain Company™
Why this website? Ironically, there is real confusion and uncertainty by billions of people (including licensed legal professionals; government leaders, policy makers, business leaders) regarding what is, "a traceable, verifiable, immutable, non-repudiable, immutable, quality-managed" concept system of transparency and trust. The Governor of MQCC Bungay International LLC (based in Washington, DC, USA) and Chief Executive Officer (CEO) of MQCC™ Money, Quality, Conformity, Control Organization incorporated in Canada, as MortgageQuote Canada Corp., Mr. A. K. (Anoop) Bungay is the discoverer and world's leadership authority in matters related to
Why this website? Ironically, there is real confusion and uncertainty by billions of people (including licensed legal professionals; government leaders, policy makers, business leaders) regarding what is, "a traceable, verifiable, immutable, non-repudiable, immutable, quality-managed" concept system of transparency and trust. The Governor of MQCC Bungay International LLC (based in Washington, DC, USA) and Chief Executive Officer (CEO) of MQCC™ Money, Quality, Conformity, Control Organization incorporated in Canada, as MortgageQuote Canada Corp., Mr. A. K. (Anoop) Bungay is the discoverer and world's leadership authority in matters related to
(1) Trademark Source Identifier "BlockChain™", "BITCOIN™" and "CRYPTO™"
(1) Trademark Source Identifier "BlockChain™", "BITCOIN™" and "CRYPTO™"
(2) GENERIC "BlockChain", "BITCOIN" and "CRYPTO"
(2) GENERIC "BlockChain", "BITCOIN" and "CRYPTO"
(3) Correct and Proper Learning, Education, Training, Application and Use of conforming goods and services marketed worldwide-in-commerce by the trademark source identifier family of brand names: BLOCKCHAIN™, BITCOIN™ and CRYPTO™
Learn from the Original Source™; discoverer of the Conformity Science concept system: Bungay Unification of Quantum Processes Algorithm and the creator of the commercialized, regulatory-integrated, Global System of BlockChain™: MQCC™.
Learn from the Original Source™; discoverer of the Conformity Science concept system: Bungay Unification of Quantum Processes Algorithm and the creator of the commercialized, regulatory-integrated, Global System of BlockChain™: MQCC™.
Learn the correct and proper DESCRIPTIVE nature, quality, character and composition; and prevent DECEPTIVE or DECEPTIVELY MISDESCRIPTIVE use in regulatory-integrated, government, industry (commerce; finance) and academia. Borne of over 21 years of observation, hypothesis, discovery, testing, development, commercialization, regulatory-integration, National and International Standards-integration and continual improvement; from MQCC™:
The Worlds First BlockChain Company™; The Worlds Most Trusted BlockChain Company™
An initiative of MQCC™ International Standards Federation ISF™ (www.isf.international)
MQCC™ International Standards Federation (ISF™), your world's Authoritative body and Sanctioning body for your world's first, (Originating™) commercialized, litigation-tested, regulatory-scrutinized, regulatory-integrated, defense-standard, military-grade, National and International Standardized, Continually Improving knowledge concept system and applied concept system of non-novel (exact) conformity science (www.conformity.org) and subordinate concept system coined as : Bungay Unification of Quantum Processes Algorithm and commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" and "Bungay Logic and Order Conformity Kernel; Cyber/non-cyber Harmonized Artificial/non-artificial Intelligent Network: BLOCKCHAIN™"; first observed, discovered and commercialized between at least as early as August 14, 2001 and at least as early as April 9, 2005 by Mr. A. K. (Anoop) Bungay, for creation of a globally accessible, "PEER TO PEER ELECTRONIC FINANCE SYSTEM" (www.privatelender.org); with integration to a subordinate system, namely a quality management infrastructure system registered to ISO 9001:2000 at least as early as May 9, 2008 and subsequent infrastructure upgrades to ISO 9001:2008 and the current, risk-based ISO 9001:2015, marketed globally-in-commerce by the well-known mark and trademark source identifier brand name: Bungay International Technology Conformity of Organization and Individual Network: BITCOIN™ (www.bitcoin.eco); first developed by Santosh K. Bungay (WIZGOD™; www.wizgod.com™).
21+ Leadership Years: 2001:2021:Onward
21+ Leadership Years: 2001:2021:Onward
Commercialized, Regulatory Integrated, Tested, Proven: TRUSTED BY BILLIONS™
Commercialized, Regulatory Integrated, Tested, Proven: TRUSTED BY BILLIONS™
FIRST BENEFICIARY™
FIRST BENEFICIARY™
Small Beginnings: The World's First Peer-to-Peer Electronic Finance System
Small Beginnings: The World's First Peer-to-Peer Electronic Finance System
The first commercial application of goods and services that enjoyed the benefits of the application of "quality management" systems, technology, goods (wares/products) and services (methods) that are marketed-in-commerce under the Bungay Logic and Order Conformity Kernel; Cyber/noncyber Harmonized Artificial/non-artificial Intelligence Network: BLOCKCHAIN™ source identifier brand name, was for the World's First "peer-to-peer electronic finance system" created by A. K. (Anoop) Bungay with the help of elder brother and computer programmer WIZGOD™; Santosh K. Bungay (Wizgod™; www.wizgod.com) at least as early as April 9, 2005 at the uniform resource locator domain name: www.PrivateLender.org.
Learn more at www.mqcc.org or read the text book ORIGIN OF A SPECIE™ authored by Anoop Bungay and available at Amazon.com and Google Play books.
Consistency from at least as early 2001, with full scale commercialization at least as early as April 9, 2005.. Here is a copy of a historical artifact published by the United States Patent and Trademark Office (USPTO) showing a PrivateLender.org® [The World's First Peer-to-Peer Electronic Finance System] screen shot of it website on November 17, 2006 at 3:01:11 PM (USPTO Time).
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
ONE WORLD. ONE BLOCKCHAIN™
ONE WORLD. ONE BLOCKCHAIN™
Visit www.BlockChainStandards.net and www.FinanceStandards.net to learn more.
The Science of BLOCKCHAIN™
The Science of BLOCKCHAIN™
The Global Standard for BlockChain®
The Global Standard for BlockChain®
The Global Standard for Crypto®
The Global Standard for Crypto®
The Global Standard for BITCOIN™
The Global Standard for BITCOIN™
Registered and Common-law Trademark Brands of Goods (Products) and Services (Methods)
Registered and Common-law Trademark Brands of Goods (Products) and Services (Methods)
NOTICE: This website is for both LEGAL PROFESSIONALS and REGULATORY PROFESSIONALS; and the following:
Legislators
Policy makers
Elected or appointed government and non-government officials
Insurance and risk management professionals
Chief Executive Officers (CEO) of Regulated and Non-Regulated; Government and Non-Government (Public, Private, Charitable) Organizations
Officers, Directors and Top Management of Regulated and Non-Regulated; Government and Non-Government (Public, Private, Charitable) Organizations
Fiduciary Professionals and Officers
Scientists
Educators, Academics & Professors
This is not a complete list
This website serves as an authoritative, transparent, traceable, verifiable, non-repudiable, quality-managed, primary source of knowledge in respect of the correct and proper ["correct and proper" is a terminological phrase defined as: "a true, realistic, objective expression of the ordinary nature, quality, character, composition, extent; material content; characteristic, feature, function, purpose or use] material factors that comprise the knowledge base of the originating concept systems related to the theory and application of non-novel (exact) domain of conformity science and subordinate concept systems [identified world-wide commercially, by the MQCC Bungay International LLC source identifier trademark Originating Body of Knowledge OBOK™] including:
Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" and "BLOCKCHAIN™" for governance and business applications
"BITCOIN" (generic applications) and Authentic Originating BITCOIN™ (non-generic applications)
"CRYPTO" (generic applications and non-generic applications)
Peer-to-Peer Governance, Commerce (Industry and Finance) and Academia
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 Governance - Commerce (Industry/Finance) and Academia
This is not a complete list
In order to PREVENT Government, Policymaking, Industry and CONSUMER prima facie (immediate, apparent, "at the surface", initial) misunderstanding or deception caused by misdescription or misdescriptive quality or misdescriptive characteristic or deceptively misdescriptive presentment of the concept systems in real-world, corporate and organizational professional liability-risk insured or regulatory integrated applications in:
governance
industry (commerce - finance)
academia
This website provides you with a high-level understanding of why you must have the correct and proper:
Learning
Education
Training
Testing
Accreditation
Certification
Continual Improvement and Ongoing Training
Skills
In this "Age of non-novel (exact) conformity science" and the "Age of the Bungay BlockChain".
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Welcome to MQCC™ BLOCKCHAIN FOR LAWYERS™
Welcome to MQCC™ BLOCKCHAIN FOR LAWYERS™
TESTED BY LAWYERS; TRUSTED BY LAWYERS™
TESTED BY LAWYERS; TRUSTED BY LAWYERS™
SCRUTINIZED, AUDITED BY REGULATORS; DE JURE STANDARDS TRUSTED BY REGULATORS™
SCRUTINIZED, AUDITED BY REGULATORS; DE JURE STANDARDS TRUSTED BY REGULATORS™
BLOCKCHAIN FOR LAWYERS™ is your globally accessible, world-wide authoritative source of correct and proper information for De Facto and De Jure Standards and Concept Systems for originating, Regulatory-Integrated, Commercialized, Military-Grade, Defense Standard, Quality Managed, Litigation-Tested, Intellectual Property Prosecuted, Regulatory-Scrutinized, Professional Liability (errors and omissions) insured, "BlockChain"; Authentic Originating BITCOIN™ and "Crypto" Recognized in up to 118+ Countries
At least as early as August 14, 2001 to 2021, Onward.
At least as early as August 14, 2001 to 2021, Onward.
If you are a member of a law society that is a member of the International Conference of Legal Regulators (ICRL) or Equivalent body or If you are a member of Top Management of law firm or you are a legal professional in your own right and you are licensed by a member of the International Conference of Legal Regulators (ICRL) or Equivalent body, then you need to reference this website because MQCC™ BLOCKCHAIN FOR LAWYERS™ provides official, authoritative knowledge for articling and practicing legal professionals who are required by their licensing and governing bodies (Law Societies) to have necessary and sufficient, functional knowledge in subject matters that are non-legal in nature, quality and characteristics.
Some or all components of the concept systems, knowledge base and intellectual property; learning, education and training (LET); testing, audit, accreditation and continual improvement for which BLOCKCHAIN FOR LAWYERS™ serves as a trademark source identifier:
(a) is successfully litigation-tested; by one or member Organisations (Law Society or Law Societies) of the International Conference of Legal Regulators (ICLR) [ICLR members are individuals working in legal sector regulation and associated fields (source: ICLR.net)];
(b) is successfully defended by lawyers representing commercial professional liability and errors and omissions, professional practice insurance risk underwriters, brokers and agents pursuant to an actual or perceived nonconformity emanating from a successfully completed commercial, regulatory-integrated, business transaction;
(d) is successfully prosecuted or approved within an intellectual property protection regime; by legal professionals; appointed or employed by intellectual property organizations that based in a country that is a member of the World Intellectual Property Organization under treaty or inter-government agreement;
(d) serves as world-wide de facto standards because the MQCC STANDARD™ underlying body of knowledge is traceable to world's first application of a "peer to peer electronic finance system" created by A. K. (Anoop) Bungay (with a little help from his elder brother, Santosh); developed between at least as early as August 14, 2001 and April 9, 2005); is successfully commercialized since at least as early as April 9, 2005 and regulatory-integrated in one or more OECD (Organisation for Economic Co-operation and Development) and World Trade Organization (WTO) countries;
(e) serves as world-wide de jure standards because they integrate with and conform to, the National and International Standards of at least 118+ countries; namely, ISO 9001:2000; ISO 9001:2008 and the current risk-based, ISO 9001:2015; recognized for trust, safety, efficiency, accountability, by billions of people, globally;
(f) MQCC™ is a member of the United Nations Innovation Network and with Global Head Office domiciled in a Commonwealth member-nation country;
Correct and Proper knowledge protects you, your law firm, the Chief Executive Officer (CEO) of the Organizations you might act for; along with Individuals you might act for.
Correct and Proper knowledge protects you, your law firm, the Chief Executive Officer (CEO) of the Organizations you might act for; along with Individuals you might act for.
BLOCKCHAIN FOR LAWYERS™ is your authoritative source.
BLOCKCHAIN FOR LAWYERS™ is your authoritative source.
Typical MQCC™ Industry Sectors
Typical MQCC™ Industry Sectors
Pan-Industry; see: the United Nations ISIC or Canada/USA/Mexico NAICS industry classification system.
Typical MQCC™ Customer Organization Types
Typical MQCC™ Customer Organization Types
Typical MQCC™ Customer Organizations are:
Corporations
Organizations
Government
(Privately owned and publicly owned)
Academia
Non-Government (not-for-profit, charitable, foundations)
Beneficial
Individuals
An MQCC™ Customer is recognized worldwide by the well-known mark and trademark source identifier brand name: COIN™
Typical Roles of Individuals Related to an MQCC™ Customer's Ultimate Decision Maker
Typical Roles of Individuals Related to an MQCC™ Customer's Ultimate Decision Maker
Appointed or Elected Official
Legislator
Policy maker
Regulator
Regulatee
Teacher
Student
Investor
Chief Executive Officer (CEO)
Member of Top Management of any Corporation or Organization including Individual businesses (COIN™)
MQCC™ Bungay Logic and Order Conformity Kernel; Cyber/noncyber Harmonized Artificial/non-artificial Intelligence Network: BLOCKCHAIN™ trademark brand of goods or services include:
MQCC™ Bungay Logic and Order Conformity Kernel; Cyber/noncyber Harmonized Artificial/non-artificial Intelligence Network: BLOCKCHAIN™ trademark brand of goods or services include:
Industry Class/Description of MQCC™ BLOCKCHAIN™ trademark brand of services or goods:
Industry Class/Description of MQCC™ BLOCKCHAIN™ trademark brand of services or goods:
035 Audit support services, namely, review and analysis of a company's sales, as well as the preparation, organization and presentation of the documents and data requested by a government body, and advice on government audit processes, policies and strategy
035 Auditing of financial statements
035 Account auditing
035 Advice on the analysis of consumer buying habits and needs provided with the help of sensory, quality and quantity-related data
035 Business auditing
035 Business consultation services in the fields of supply chain analysis, regulation compliance and counterfeit detection
035 Business services, namely, providing online information in relation to resource planning for the mining and resource industry, mine planning, equipment scheduling, maintenance scheduling, finance modeling, production scheduling, materials management, quality management, human resources management and project management
035 Conducting quality assurance surveys in hospitals to determine service quality
035 Conducting business audits in the field of communications
035 Conducting employee incentive award programs to promote quality management
035 Financial auditing
035 Financial record-keeping for insurance risk management, regulatory compliance purposes
035 Financial record-keeping for insurance risk management, regulatory compliance purposes via the Internet
035 Insurance claims auditing services
035 Rating the environmental qualities and impact of consumer products of others for the purpose of making purchasing decisions
035 Real estate transaction auditing services
035 Real estate transaction auditing services, namely, assurance to statutory and regulatory requirements.
035 Total quality management services, namely, business management services for establishing business quality policy and determining business means for implementing those policies to improve customer satisfaction
035 Tracking and monitoring organization governance, management and business processes for others for account auditing purposes
036 Mortgage compliance consulting services concerning financial requirements for mortgages for mortgage lenders and servicers and mortgage brokers
036 Providing post-compliance financial reviews for the mortgage industry
042 Quality management services, namely, quality evaluation and analysis, quality assurance, and quality control, in the field of finance and fields of good governance, public policy, education, technology, regulatory compliance and risk management.
042 Quality management services, namely, quality evaluation and analysis, quality assurance, and quality control, in the field of finance and fields of good governance, public policy, education, technology, regulatory compliance and risk management.
042 Quality control for others
042 Quality control of goods and services
042 Quality control of services
042 Advisory services in the field of product development and quality improvement of software
042 Computer monitoring service which tracks application software performance, performs periodic maintenance and provides reports and alerts concerning such performance [quality control]
042 Computer monitoring service which tracks hardware performance and processes and sends out historical reports and alerts [quality control]
042 Computer services, namely, monitoring and reporting on the performance, availability, and errors of web sites of others [quality control]
042 Computer services, namely, monitoring the web sites of others to improve their scalability and performance [quality control]
042 Computer services, namely, monitoring, testing, analyzing, and reporting on the Internet traffic control and content control of the web sites of others [quality control]
042 Custom design and development of air quality measurement programs
042 Developing quality control standards for organizations
042 Development of customized software for others for use in risk assessment, information security, business analysis, audit and audit planning, and sales management
042 Evaluating and testing the environmental qualities and impact of consumer products of others
042 Evaluating organizations to determine whether the organizations conform to an established accreditation standard
042 Inspection of organizations for quality control purposes
042 Product quality evaluation
042 Product quality testing
042 Product quality testing services
042 Providing quality assurance services in the field of organization management
042 Providing quality control services for the mortgage industry
042 Providing a website featuring a searchable on-line quality evaluation of rarities for the purpose of measuring the scarcity of rare collectible objects
042 Providing temporary use of non-downloadable cognitive stimulation computer programs that help maintain an active brain and thus improve memory, speed of processing, and that provide a variety of cognitive benefits that positively impact quality of life
042 Remote monitoring of printers for others [quality control]
042 Safety auditing to improve safety of construction workers on residential construction sites
042 Technology supervision and inspection in the field of organization management
042 Testing, analysis and evaluation of service providers to determine conformity with established accreditation standards
042 Testing, analysis and evaluation of the goods and services of others to determine conformity with certification standards
042 Testing, analysis and evaluation of the goods of others to determine conformity with certification standards
042 Testing, analysis and evaluation of the services of others to determine conformity with certification standards
042 Testing, analysis and evaluation of organizations to determine conformity with established accreditation standards
042 Testing, analysis, and evaluation of the goods of others to assure compliance with industry standards
042 Testing, analysis, and evaluation of the knowledge, skills and abilities of others in the field of organizations to determine conformity with certification standards
042 Testing, analysis, and evaluation of the knowledge, skills and abilities of others in the field of forensic document examination to determine conformity with certification standards
042 Testing, analysis, and evaluation of organization governance, management and business processes to assure compliance with industry standards
042 Testing, analysis, and evaluation of organization governance, management and business processes to assure compliance with computer, construction, real estate, finance and corporate governance industry standards
045 Consulting services in the field of state and federal regulatory compliance requirements for personnel safety
045 Fiduciary compliance consulting, namely, consulting in the field of federal securities regulations governing investment advisory activities
045 Legal compliance auditing
045 Legal consulting services in the field of listing and tracking of foreign and domestic government regulatory requirements, for obtaining permits and regulatory compliance
045 Life quality assessment for individuals with developmental disabilities and their families
045 Mortgage compliance consulting services concerning mortgage-related laws for mortgage lenders and servicers and mortgage brokers
045 Regulatory compliance auditing
045 Regulatory compliance consulting in the field of prescription drug sampling
045 Regulatory compliance consulting in the field of retirement plan administration
045 Regulatory compliance consulting in the field of organizatoin
045 Reviewing environmental data, analyzing the data in connection with environmental laws and regulations, and preparing environmental compliance reports
045 Reviewing standards and practices to assure compliance with financial and corporate governance laws and regulations
045 Tracking and monitoring regulatory requirements in the field of organizational improvement, finance, governance, risk management, operations management for regulatory compliance purposes
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Learning , Education, Training (LET), Testing, Accreditation and Certification (TAC™); Conformity Management Services (CMS™) for any world-wide Corporation, Organization or Individual (COIN™).
Learning , Education, Training (LET), Testing, Accreditation and Certification (TAC™); Conformity Management Services (CMS™) for any world-wide Corporation, Organization or Individual (COIN™).
Conformity Management Services for Corporations, Organizations and Individuals (COIN™) World-wide.
Look for the BLOCKCHAIN™ SERVICE MARK and DESIGN MARK
Look for the BLOCKCHAIN™ SERVICE MARK and DESIGN MARK
Wherever you purchase goods or services.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
Get started with MQCC® and related family of well-known marks (trademarks; source identifiers) and brand names of computer and scientific services; education services today; contact info@mqcc.org.
International Class of Services 045
International Class of Services 045
Personal and Legal services
Personal and Legal services
MQCC Universe™ Subordinate (Division) Service Providers of BLOCKCHAINCRMS™ Trademark Brand of Goods or Services
MQCC Universe™ Subordinate (Division) Service Providers of BLOCKCHAINCRMS™ Trademark Brand of Goods or Services
MQCC™ BlockChainQMS™ Service
MQCC™ BlockChainQMS™ Service
Click here for Detailed List of MQCC™ BLOCKCHAINQMS™ Goods and Services.
Finance, Academia, Government (Public Policy) Consulting
Legal and Lawyer Referral Network
Systems (management and non-management)
Standards
Technology
Goods
Services
This is NOT a complete list.
This is NOT a complete list. Scroll through this page for additional goods and services within this 045 International Class.
This is NOT a complete list. Scroll through this page for additional goods and services within this 045 International Class.
This list is based upon NAICS (North American Industry Classification System (NAICS) has been developed by the statistical agencies of Canada, Mexico and the United States). MQCC™ provides goods and services in ALL classes and their international ISIC (United Nations) equivalent classes.
This list is based upon NAICS (North American Industry Classification System (NAICS) has been developed by the statistical agencies of Canada, Mexico and the United States). MQCC™ provides goods and services in ALL classes and their international ISIC (United Nations) equivalent classes.
NAICS North American Industry Code and Sector (ISIC International Equivalent)
NAICS North American Industry Code and Sector (ISIC International Equivalent)
11 Agriculture, forestry, fishing and hunting Agriculture, forestry, fishing and hunting
21 Mining, quarrying, and oil and gas extraction Mining, quarrying, and oil and gas extraction
22 Utilities Utilities
23 Construction Construction
31-33 Manufacturing Manufacturing
41 Wholesale trade Wholesale trade
44-45 Retail trade Retail trade
48-49 Transportation and warehousing Transportation and warehousing
51 Information and cultural industries Information and cultural industries
52 Finance and insurance Finance and insurance
53 Real estate and rental and leasing Real estate and rental and leasing
54 Professional, scientific and technical services Professional, scientific and technical services
55 Management of companies and enterprises Management of companies and enterprises
56 Administrative and support, waste management and remediation services Administrative and support, waste management and remediation services
61 Educational services Educational services
62 Health care and social assistance Health care and social assistance
71 Arts, entertainment and recreation Arts, entertainment and recreation
72 Accommodation and food services Accommodation and food services
81 Other services (except public administration) Other services (except public administration)
91 Public administration Public administration
Built on the Bungay International Technology (BIT™), Bungay Logic and Order Conformity Kernel™ (BLOCK™) trademark brand Cyber/non-cyber Harmonized Artificial/non-artificial Intelligence Network (CHAIN™) System-Network Service
Built on the Bungay International Technology (BIT™), Bungay Logic and Order Conformity Kernel™ (BLOCK™) trademark brand Cyber/non-cyber Harmonized Artificial/non-artificial Intelligence Network (CHAIN™) System-Network Service
BUILT ON BLOCKCHAIN™
BUILT ON BLOCKCHAIN™
Detailed List of MQCC™ BLOCKCHAINQMS™ Goods (Products/Wares) and Services (Methods)
Detailed List of MQCC™ BLOCKCHAINQMS™ Goods (Products/Wares) and Services (Methods)
Pan-Functional Solutions for Pan-Industry World of Commerce™
Pan-Functional Solutions for Pan-Industry World of Commerce™
MQCC™ provides the following services under the BLOCKCHAINCRMS™ primary source identifier trademark family brand name and BLOCKCHAINQMS™ subordinate source identifier trademark brand name.
This is not a complete list of services (nor goods).
MQCC™ provides the following services under the BLOCKCHAINCRMS™ primary source identifier trademark family brand name and BLOCKCHAINQMS™ subordinate source identifier trademark brand name.
This is not a complete list of services (nor goods).
Visit www.BlockChainCRMS.com™ to see the list.
BITCOIN™ Global System-Network™
BITCOIN™ Global System-Network™
Look for the MQCC™ Trademark Trust Seal™:
Look for the MQCC™ Trademark Trust Seal™:
Your highest assurance of trustworthy quality; traceable to the OFFICIAL AUTHENTIC ORIGINAL: OAO™ trademark brand of conformity science-based commercially available governance, commerce, industry, business and academic applications (www.OAObrands.com™).
Founding Organizations
Founding Organizations
Members of, or Integrated with; the Standards, Practices, Guidelines or Expectations of the Following Organizations
Members of, or Integrated with; the Standards, Practices, Guidelines or Expectations of the Following Organizations
United Nations UN
United Nations UN
Organisation for Economic Co-operation and Development OECD™
Organisation for Economic Co-operation and Development OECD™
World Intellectual Property Organization WIPO™
World Intellectual Property Organization WIPO™
World Trade Organization WTO™
World Trade Organization WTO™
MQCC™: BLOCKCHAIN FOR LAWYERS™
MQCC™: BLOCKCHAIN FOR LAWYERS™
Your World-wide Lawyer, Legal and Industry (de jure and de facto) Standard for Expertise™
Your World-wide Lawyer, Legal and Industry (de jure and de facto) Standard for Expertise™
MQCC™ BLOCKCHAIN FOR LAWYERS™ is the Global Authority on the Nature, Quality, Characteristics, Feature, Function, Extent and Application of superordinate and subordinate concept systems (units of knowledge) borne of the non-novel (exact) conformity science knowledge domain, including the following concept systems:
MQCC™ BLOCKCHAIN FOR LAWYERS™ is the Global Authority on the Nature, Quality, Characteristics, Feature, Function, Extent and Application of superordinate and subordinate concept systems (units of knowledge) borne of the non-novel (exact) conformity science knowledge domain, including the following concept systems:
World's First and and Most Trusted Peer-to-Peer Electronic (and Non-Electronic) Finance System circa April 9, 2005 at www.PrivateLender.org uniform resource locater internet domain address
The Bungay Unification of Quantum Processes Algorithm (BUQPA™); commercialized by the trademark "Principles of 'BlockChain'"™
descriptive term "BlockChain" used in a generic sense as a "term of art"
distinctive term "BLOCKCHAIN™" a trademark source identifier used-in-commerce
generic "crypto"
Authentic BIT™ brand COIN™ System-Networks
Authentic BLOCK™ brand CHAIN™ Meta System-Networks
Trademark BITMORTGAGE® brand of securities and financial fungible and non-fungible securities token
Peer to Peer (p2p) [Private/Crypto/Secret/Shadow] Electronic and Non-Electronic Governance, Commerce, Industry and Finance
Fungible and Non-Fungible Tokens
Utility Tokens
Securities Tokens
Quantum Unification Computing
Higher Level Meta Programming
National and International Standards
This is Not a complete list.
From at least as early as August 14, 2001, MQCC Standards™ for "BLOCKCHAIN", Authentic Originating BITCOIN™ and "CRYPTO" are integrated with De Jure Standards Published by the International Organization for Standardization ISO
From at least as early as August 14, 2001, MQCC Standards™ for "BLOCKCHAIN", Authentic Originating BITCOIN™ and "CRYPTO" are integrated with De Jure Standards Published by the International Organization for Standardization ISO
International De Jure Standards Body:
International De Jure Standards Body:
International Organization for Standardization (ISO)
Regional De Jure Standards Bodies - by select countries (this is not a complete list)
Regional De Jure Standards Bodies - by select countries (this is not a complete list)
China
Canada
European Union (EU)
Canada
United Kingdom (UK)
United States of America (USA)
From at least as early as May 9, 2008, 2001, MQCC Standards™ for "BLOCKCHAIN", Authentic Originating BITCOIN™ and "CRYPTO" system subordinate systems for quality management are audited by members of:
From at least as early as May 9, 2008, 2001, MQCC Standards™ for "BLOCKCHAIN", Authentic Originating BITCOIN™ and "CRYPTO" system subordinate systems for quality management are audited by members of:
MQCC Bungay™: What BlockChain Is; What BlockChain Does™
MQCC Bungay™: What BlockChain Is; What BlockChain Does™
Read the original, encyclopedic textbook available at Google Play® textbooks; Excerpts from the authoritative encyclopedic reference: ORIGIN OF A SPECIE™; published at Google Play® Textbooks; Author Name: Anoop Bungay
COMMERCIALIZED, REGULATORY INTEGRATED BLOCK CHAIN STARTED HERE; for a legal function and
MQCC™ BlockChain For Lawyers™ is an expert service whose Top Management qualifies as a subject matter (unit of knowledge UOK expert) in accordance with both the
United States (US) Daubert (judge determines evidence admissibility) and Frye (scientific community determines admissibility) for evidentiary standards;
United Kingdom (UK) and Canadian equivalent standards of expertise.
MQCC™ BlockChain for Lawyers™ Author: Mr. Anoop Bungay; Bona Fides/Credentials
MQCC™ BlockChain for Lawyers™ Author: Mr. Anoop Bungay; Bona Fides/Credentials
Excerpts from the authoritative encyclopedic reference: ORIGIN OF A SPECIE™; published at Google Play® Textbooks; Author Name: Anoop Bungay
The Author’s Bona Fides/Credentials: Who Am I
The Author’s Bona Fides/Credentials: Who Am I
My name is Anoop Bungay, of Calgary, Alberta, Canada and you will discover that yours sincerely:
#1 - naturally discovered and coined the non-novel (exact) conformity science (www.conformity.org) subordinate concept system, coined: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" or "BLOCKCHAIN™"; as a result of seminal, primary scientific-method-based research, development, testing, commercialization and National and International registration to ISO 9001:2000; ISO 9001:2008 and ISO 9001:2015, from at least as early as August 14, 2001, in order to develop the world's first Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow electronic finance system for the trade in "non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading financial securities, namely, the “cryptoloan” and “cryptomortgage”; commencing on April 9, 2005, at the internet domain name www.privatelender.org and operating as PrivateLender.org: Canada's Private Lending Network®. Marketed globally pursuant to the Singapore Treaty, Nice Agreement, Madrid Protocol and World Intellectual Property Office protocols, under the international registered trademark brand name the BITMORTGAGE®. This occurred five (5) years before the experimental, alpha-state subordinate-network for payment transfer, a digital "cryptocurrency" network was made available to the public on January 8, 2009.
#2 - defined a new field of study named conformity science. Learn more, including the dictionary definition at www.conformity.org.
Creations Speak > Louder than Actions which Speak > Louder than Words™
Creations Speak > Louder than Actions which Speak > Louder than Words™
#3 - Commercialized (created) and developed pending commercialization for intellectual property reasons or pending technology readiness (but most things are commercialized) - This list is found in Schedule A, however you may as well know now in order to understand what 19 years of the trademark “Principles of ‘BlockChain’™” body of knowledge created:
The MQCC™: An organization of "Firsts", starting first with the Finance Sector, including:
+First developer of BlockChain systems, technology, services and products in Finance (2001 onward); designed to assure National and International Standards-Class of conformity to statutory, regulatory and process requirements for regulated organizations and regulated processes. REGULATOR-PROOF your Business Operations.
+Developer of the world's first meta-BlockChain protocol; an inherently "non-mining" solution. FYI: The "mining solution" was created over 4 years after the MQCC BlockChain protocol.
+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; and the latest version: Quantum Unified Quality Management System™ QuQMS™ trademark brand.
+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, top-to-bottom (T2B) and end-to-end (E2E), 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 identified by MQCC's founder: Anoop Bungay (2005 onward). Read every page of "authoritative encyclopedic referenceBlockChain.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 12 Year old, BlockChain-based, Regulatory-Integrated, USA DoD Conforming, Rules-Based ,Global Internet Sub-network of Autonomous and Heterogeneous Federation of Systems (FOS) and System of Systems (SOS) designed for regulatory bodies, regulatees and the public whom both serve.
+Developer of the world's first "open banking systems" protocol that integrates the trademark “Principles of ‘BlockChain’™” with a pan-industry, pan-functional, self-correcting, regulator-audited, hybrid-regulated, enterprise level, top-to-bottom (T2B) and end-to-end (E2E), 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.
+ World's first functioning System of System (SOS) and Federation of Systems (FOS) integrated meta-system structure; independent autonomous organizations inter-operating with other organizations on the basis of consensus-based rules, not technology, resulting in the utmost levels of autonomy, heterogeneity and independent control.
+Developer of the world's first "application of "Principle's of 'BlockChain'" in commerce with seminal, functional-level, knowledge base including: ontology; and seminal controlled language (vocabulary), including: taxonomies, thesauri, terminology; concepts; principles; formulas; theorems, logic, proofs and related, 'first-level' core knowledge.
+World's First integrated trademark “Principles of ‘BlockChain’™”-based system-network built on higher-level, consensus-based system standards and competency standards resulting in higher states of integrity and quality.
+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 first "global sandbox" meta-operating environment that may be customized to "enforce compliance" to principles, guidelines and standards of the United Nations (UN), World Trade Organization (WTO), Organisation for Economic Cooperation and Development (OECD), International Organization for Standardization (ISO) and more.
+Developer of the world's National and International Standards based, safest peer-to-peer (P2P)/private/crypto/secret/shadow financial syste
+Developer of the world's first "cold-crypto" network integration protocol, for traditional "hot crypto" networks.
+Developer of the Two-Phase Trust™ 2PT™ Protocol that underpins a good blockchain.
+Developer of the Bungay TITO™- Squared (TITO²) Truth Trust Protocol: a "Truth In Truth Out" protocol which creates a "Trust In Trust Out" system.
+First developer of a commercially available, fully regulated, enterprise level, top-to-bottom (T2B) and end-to-end (E2E) , global institutional banking and finance meta-operating system (2005 onward).
+First & only developer of 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 world's first Intellectual Property Utility Token protocol MQCC InPUT™
+Developer of the world's first "systems-level AI" (artificial intelligence/computer intelligence) functional, self-learning, self-correcting system & technology designed at an organization level, for a high-quality, 'overarching system of control' for management of complex and critical projects. MQCC proprietary "Systems Learning" (SL) proprietary knowledge-base is beyond machine learning (ML) , Deep Learning (DL) and Neural Networks (NN).
+Developer of the world's first "self-learning management system" and "self-learning quality management system" built on trademark “Principles of ‘BlockChain’™” and "AI".
++ Developer of the technology neutral "open commerce standard" extension (.ocst™) protocol and the OurCompanyPlan.com™ .ocp™: Active BlockChain Corporate Data Electronic File™ (ABCDEF™) Standard.
+Developer of the globally recognized "Certified BlockChain System CBCS™ Standards".
+Developer of the world's first (deployed in 2008) "Governance & Operating Decentralized System" (MQCC GODSNET™) deployed on a Federation of System (FOS) network (MQCC FOSNET™) interoperable with a System of Systems (MQCC SOSNET™) subordinate network. MQCC GODSNET™ is a secure, Federal Government Recognized, Canadian and USA Department of Defense-grade, National and International standards-class, easy-to-deploy, cost-efficient, technology neutral, overarching system of command, control and quality (CCQ™), designed to assure the highest level of transparent, measurable and sustainable good governance practice, effectiveness, trust and confidence within Government-Regulator-Regulatee organizations for the benefit of General Public /Constituents. The proven, 12 year old MQCC FOSNET™ helps federal, provincial and civic governments realize Canada's Federal Directive on Regulations (public policy) because it is built from the ground-up on seminal "BlockChain" Principles (commercially identified by the trademark “Principles of ‘BlockChain’™”) - first discovered by the Founder of MQCC between 2001 and 2005) - and enables independently managed Regulators (Regulatory Body) within any discipline or industry group to coexist with other independently managed Regulators (Regulatory Body) within other disciplines or industry groups; and enables all Regulators to create and manage their own respective System of Systems (SOS) Network (MQCC SOSNET™) comprised of decentralized autonomous organizations (MQCC DAO™) or Regulatees (Regulated Entities) within a rules (policy) based environment. Both the MQCC FOSNET™ and the MQCC SOSNET™ are built with National and International equivalent Quality Management System standards and incorporate best-in-sector governance industry (public administration) practice protocols allowing for all parties (Regulator and Regulatee) to function in a manner that conforms to statutory, regulatory, shareholder (government or investor) and customer (government, general public/constituent or corporate) requirements. The MQCC FOSNET™ has no central authority and each member Regulator (Regulatory Body) functions independently in accordance with their constating requirements to their shareholders, normally, a Government Ministry or Government Department. The MQCC SOSNET™ is hierarchical in nature (Regulator over Regulatee) and a customizable level of interoperability and integration to allow for regulated audit, regulated disclosure and reporting while maintaining high levels of regulated privacy, regulated anonymity and regulated autonomy. While MQCC SOSNET™ has hierarchical relationships, there is no central authority and direction, each Regulated Entity (Regulatee) has its own independent management and purpose based upon a set of applicable rules. Both MQCC FOSNET™ and MQCC SOSNET™ incorporate, measurable, consensus-based National and International Quality Management System standards (recognized in at least 119 countries), so Regulators (Regulatory Bodies) can prove to their stakeholders (Government, Shareholders, General Public, and the Regulatees whom they regulate) that they function in a manner that certifiably conforms to statutory, regulatory, process, customer and National Quality Management System requirements for its intended scope of Regulatory Operations. Obversely, Regulatees (Regulated Entities) can also prove to their respective stakeholders (Government, Shareholders, General Public/Constituents, and the Regulators who regulated them) that they, too, function in a manner that certifiably conforms to statutory, regulatory, process, customer and National Quality Management System requirements for their intended scope of Regulated Operations. Effectively, MQCC has developed a Regulator Operating System (MQCC ROSOR™) and a Regulatee Operating System (MQCC ROSEE™). When the General Public Constituents within a jurisdiction understand that both their Regulatory Bodies and Regulated Bodies function within a Regulatory Governance Framework recognized by the Federal Government to conform to their countries highest standards of Quality Management Systems - standards which transform both Regulator and Regulatee into "better, safer and more efficient" entities - the General Public/Constituents will experience the highest degree of trust and confidence in their Government's stewardship of the Regulatory Environment within their jurisdiction.
+Developer of the "lossless commerce" and "lossless investing principles"; pursuant to discovery of "BlockChain" principles (commercially identified by the trademark “Principles of ‘BlockChain’™”).
+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.
+ Developer of a BlockChain-based protocol to demonstrably achieve six sigma level 6 or higher (7) in financial organizations. Registered to the National Standard of 119 Countries.
Please take the time to read this entire website for all the proof you might need. You may need to register and pay a fee for access to intellectual property.
+ Developer of the Globally Trusted NISC™ Designation for Environments and Professionals (National Standards-Class and International Standards-Class)
+Developer of the world's first learning space (based in Calgary, Alberta, Canada) to impart the "BlockChain" principles (commercially identified by the trademark “Principles of ‘BlockChain’™”) subject pedagogy; integrating Blooms taxonomy for classification educational goals; and a systems-level curriculum based upon the DACUM method and SCID method. A rigorous multi-year program that incorporates the scholarly method with real-world activities within the MQCC System-Network active environment.
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.
Here to Serve You™
Expertise (Legal Standard) of Anoop Bungay
Expertise (Legal Standard) of Anoop Bungay
Pursuant to the legal standard of generally accepted rules of competence, and expert evidence, Anoop Bungay, the individual who first applied the "BlockChain" principles (commercially identified by the trademark “Principles of ‘BlockChain’™”) to a peer-to-peer electronic financial system for unregulated or regulatory market-exempt (free-trading) securities, is considered an expert in the fields of:
Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Finance
Conformity Science
"BlockChain" principles (commercially identified by the trademark “Principles of ‘BlockChain’™”)
Defense Standard (Military & Law Enforcement Grade) Quality Management Systems
Quantum Organization Unification Theory of Enterprise (QUOTE™[94]) and Practice of Meta-Operating Systems
This is not an exhaustive list.
While the primary research, developed since pre-2001 and present-day is not publically available, the commercial businesses borne of the primary research are going concerns and litigation tested. Namely:
MortgageQuote Canada Corp. - Financial Products
The MQCC Money Quality Conformity Control Organization - Conformity Science related technology, systems, products and services.
UK Common Law Standard and UK Law Commission Recommended Standard
UK Common Law Standard and UK Law Commission Recommended Standard
UK Common Law Standard
Excerpt from “Expert Evidence in Criminal Proceedings in England and Wales” prepared by the Law Commission of UK[95]:
2.1 Four requirements relating to the admissibility of expert evidence in criminal proceedings have developed at common law, principally with reference to expert opinion evidence.
2.2 In this Part we first provide a summary of these requirements (“assistance”, “relevant expertise”, “impartiality” and “evidentiary reliability”) and then set out our view on whether they apply, and whether they should apply, to expert evidence of Fact.
In addition to the UK Common law standard, the UK Law Commission recommended additional standards, include three “tests” described in a draft bill entitled: “Expert Evidence in Criminal Proceedings in England and Wales HC 829”[96].
United Kingdom (UK) Draft (unenacted) Bill: Recommended Standard by the UK Law Commission regarding: Expert Evidence in Criminal Proceedings in England and Wales HC 829
THE QUALIFICATION (EXPERTISE) TEST
Of the three tests:
The Turner Test
The test merely requires that the court (the trial judge or magistrates’ court) be “satisfied” that the expert evidence “is likely” to be outside a judge or jury’s experience and knowledge and that the evidence would provide help. This is not a requirement which would need to be proved[97].
The Qualification (Expertise) Test
Clause 1(1) of our draft Criminal Evidence (Experts) Bill also provides that expert evidence is admissible in criminal proceedings only if –
(b) the person who gives it is qualified to do so …4.16 Clause 2(1) provides that, for the purposes of clause 1(1)(b), “a person may be qualified to give expert evidence by virtue of study, training, experience or any other appropriate means”. Clause 2(2) provides that, for that person’s evidence to be admissible, the court “must be satisfied on the balance of probabilities that [he or she] is so qualified”.
4.17 This standard of proof provides the minimum acceptable level of knowledge, experience or skill which must be established before an individual can provide expert evidence. The extent of the expert’s expertise beyond this minimum threshold goes to weight. That is to say, all other things being equal, the greater the level of expertise borne by an expert witness, the more likely it is that the fact finding tribunal will accept his or her evidence[98].
The Impartiality Test
the starting point is that there is a presumption of impartiality, based on
the common-sense assumption that expert witnesses generally tend to
comply with their duty to the court[99].
General UK Comment
3.6 We proposed that there should be a new admissibility requirement along the following lines[100]:
(1) The opinion evidence of an expert witness is admissible only if the court is satisfied that it is sufficiently reliable to be admitted.
(2) The opinion evidence of an expert witness is sufficiently reliable to be admitted if:–
(a) the evidence is predicated on sound principles, techniques and assumptions;
(b) those principles, techniques and assumptions have been properly applied to the facts of the case; and
(c) the evidence is supported by [that is, logically in keeping with] those principles, techniques and assumptions as applied to the facts of the case
Definition of “what is” Relevant Expertise
According to the Law Commission of UK, “Expert Evidence Report”[101] respecting the “relevant expertise” of a prospective expert: The individual claiming expertise must be an expert in the relevant field. This was described in the South Australian case of Bonython[102] as a requirement that the individual “has acquired by study or experience sufficient knowledge of the subject to render his [or her] opinion of value”[103], a description which has found favour in England and Wales.[104]
Further, the Law Commission of UK, “Expert Evidence Report”[105] states:
Generally speaking, it is the expertise itself which determines whether this admissibility requirement is satisfied, not the route by which the expert came to have it.[106] A recent judicial comment suggests, moreover, that the threshold for demonstrating expertise is quite low.[107] Against those points, however, it should be noted: first, that the threshold cannot (we suggest) be any lower than a requirement of proof on the balance of probabilities; secondly, that amateurs are not qualified to give some types of expert evidence;[108] and, thirdly, that explicit guidelines for determining expertise are now being formulated for certain scientific fields.[109]
In UK: Registration of the System which embodies the technology, services and products related to Anoop Bungay’s discovery and inventions, to ISO 9001:2001, ISO 9001:2008, ISO 9001:2015: The Basis for Demonstrating “Evidentiary Reliability”
According to the Law Commission of UK, “Expert Evidence Report”[110] respecting “evidentiary reliability”:
The expert’s opinion evidence must in other respects satisfy a threshold of acceptable reliability.[111] The existence of a further common law admissibility requirement of some sort can be discerned from the cases where the Court of Appeal (Criminal Division) has:
(1) held that the field of expertise must at least be “sufficiently well established to pass the ordinary tests of relevance and reliability;”[112]
(2) cited the admissibility test for expert opinion evidence in Bonython which has a reliability component, albeit one which has never been properly analysed in England and Wales; and
(3) suggested a particular type of reliability test.
USA Standard
USA Standard
Federal Rules of Evidence › ARTICLE VII. OPINIONS AND EXPERT TESTIMONY › Rule 702[113] [114]
Rule 702: Testimony by Expert Witnesses
A witness who is qualified as an expert by knowledge, skill, experience, training, or education may testify in the form of an opinion or otherwise if:
the expert’s scientific, technical, or other specialized knowledge will help the trier of fact to understand the evidence or to determine a fact in issue;
the testimony is based on sufficient facts or data;
the testimony is the product of reliable principles and methods; and
the expert has reliably applied the principles and methods to the facts of the case
1923 - The Frye standard (superseded by the Federal Rules of Evidence)[115]
Prior to the ruling by the US Supreme Court (In Daubert v. Merrell Dow Pharmaceuticals, 509 U.S. 579 (1993)) the Frye standard for expert testimony was followed, and still applies in some US States.(FRYE v.UNITED STATES. 293 F. 1013 ( D.C.. Cir 1923))[116] [117]
The rule is that the opinions of experts or skilled witnesses are admissible in evidence in those cases in which the matter of inquiry is such that inexperienced persons are unlikely to prove capable of forming a correct judgment upon it, for the reason that the subject-matter so far partakes of a science, art, or trade as to require a previous habit or experience or study in it, in order to acquire a knowledge of it. When the question involved does not lie within the range of common experience or common knowledge, but requires special experience or special knowledge, then the opinions of witnesses skilled in that particular science, art, or trade to which the question relates are admissible in evidence.
Numerous cases are cited in support of this rule. Just when a scientific principle or discovery crosses the line between the experimental and demonstrable stages is difficult to define. Somewhere in this twilight zone the evidential force of the principle must be recognized, and while courts will go a long way in admitting expert testimony deduced from a well-recognized scientific principle or discovery, the thing from which the deduction is made must be sufficiently established to have gained general acceptance in the particular field in which it belongs.
1993 - Rule 702 Amendment:[118] The Daubert ruling (standard); Daubert v. Merrell Dow Pharmaceuticals, Inc.[119]
This is the standard used by a trial judge to assess whether an expert witness’s scientific testimony is based on scientifically valid reasoning that which can properly be applied to the facts at issue. This standard comes from the Supreme Court case, Daubert v. Merrell Dow Pharmaceuticals Inc., 509 U.S. 579 (1993)[120] and supersedes the Frye standard.
Under the Daubert standard, the factors that may be considered in determining whether the methodology is valid are:[121]
whether the theory or technique in question can be and has been tested;
whether it has been subjected to peer review and publication [though not required];[122]
its known or potential error rate;
the existence and maintenance of standards controlling its operation; and
whether it has attracted widespread acceptance within a relevant scientific community.
The Daubert standard is the test currently used in the federal courts and some state courts. In the federal court system, it replaced the Frye standard, which is still used in some states.[123]
The primary locus of this obligation is Rule 702 [governing expert testimony], which clearly contemplates some degree of regulation of the subjects and theories about which an expert may testify. "If scientific, technical, or other specialized knowledge will assist the trier of fact to understand the evidence or to determine a fact in issue" an expert "may testify thereto." The subject of an expert's testimony must be "scientific . . . knowledge." Footnote by Justice Blackmun regarding “technical, or other specialized knowledge."
Canada Standard
Canada Standard
R. v. Mohan
In 1994, the Supreme Court of Canada, in R. v. Mohan, set out the following general criteria for the admissibility of expert opinion evidence:
1. The evidence is relevant to some issue in the case;
2. the evidence is necessary to assist the trier of fact;
3. the evidence does not violate an exclusionary rule; and
4. the witness is a properly qualified expert.[124]
A court must also weigh the benefits of the evidence against its potential costs (probative value versus prejudicial effect). An important factor in assessing the benefit of the evidence is its reliability, including:
the extent to which the scientific theories on which it is based are accepted in the
relevant scientific community;the potential rate and nature of errors associated with a scientific technique relied
Upon; andwhether the scientific technique or theory has been tested via the scientific method.
It should be noted that, for “non-novel science”, evidence must be “necessary”, but for “novel” or “junk” science Mohan has established that the evidence must be “essential”.[125]
The main cost is the prospect of uncritical acceptance of the opinion by the trier of fact. Especially:
if the scientific theory cannot be explained clearly;
if there is no realistic opportunity of an opposing party conducting independent tests
or calling experts in reply or;
if the evidence could be presented in less conclusive or inflammatory terms than
proposed.
Anoop Bungay Prior Expert Analysis History
Anoop Bungay Prior Expert Analysis History
[SEE TEXTBOOK: ORIGIN OF A SPECIE™]
Anoop Bungay Primary Research: Comment regarding Validity and Reliability
Anoop Bungay Primary Research: Comment regarding Validity and Reliability
An additional footnote re: Validity and Reliability in Daubert v. Merrell Dow Pharmaceuticals Inc., 509 U.S. 579 (1993):
“We note that scientists typically distinguish between "validity" (does the principle support what it purports to show?) and "reliability" (does application of the principle produce consistent results?). See Black, A Unified Theory of Scientific Evidence, 56 Ford. L. Rev. 595, 599 (1988). Although "the difference between accuracy, validity, and reliability may be such that each is distinct from the other by no more than a hen's kick," Starrs, Frye v. United States Restructured and Revitalized: A Proposal to Amend Federal Evidence Rule 702, 26 Jurimetrics J. 249, 256 (1986), our reference here is to evidentiary reliability--that is, trustworthiness. Cf., e. g., Advisory Committee's Notes on Fed. Rule Evid. 602 (" `[T]he rule requiring that a witness who testifies to a fact which can be perceived by the senses must have had an opportunity to observe, and must have actually observed the fact' is a `most pervasive manifestation' of the common law insistence upon 'the most reliable sources of information.' " (citation omitted)); Advisory Committee's Notes on Art. VIII of the Rules of Evidence (hearsay exceptions will be recognized only "under circumstances supposed to furnish guarantees of trustworthiness"). In a case involving scientific evidence, evidentiary reliability will be based upon scientific validity”.[127]
Peer Review and Publication of Anoop Bungay’s Primary Research is Not Required
Peer Review and Publication of Anoop Bungay’s Primary Research is Not Required
“Proof is the implementation within an international commercial enterprise.”
Secondary proof is the registration to ISO 9001:2000, ISO 9001:2008 and the risk-based ISO 9001:2015 with third party audit by accredited auditors or accredited authorities.
Pursuant to Footnote 59 of The Law Commission Consultation Paper No 190: “THE ADMISSIBILITY OF EXPERT EVIDENCE IN CRIMINAL PROCEEDINGS IN ENGLAND AND WALES A New Approach to the Determination of Evidentiary Reliability A Consultation Paper”[128], published by the Law Commission of the United Kingdom,[129] Rule 702 and scientific evidence Daubert v. Merrell Dow Pharmaceuticals, Inc.
509 U.S. 579 (1993), 593. Karl Popper’s view (see, eg, The Logic of Scientific Discovery, 4th ed, 1980) was that the scientific method is underpinned by a principle of falsifiability or refutability; that is to say, generating hypotheses and testing them by experimentation or observation to see whether they are false (for the problem of induction holds that propositions as to the workings of the universe inferred from experience cannot be proved to be true). If a given hypothesis does not stand up to experimental scrutiny it will be reworked into a new hypothesis which will again be tested, and so on, producing successively better approximations to “truth”.
A hypothesis which repeatedly withstands experimental scrutiny will be regarded as corroborated but not proven, and so come to be generally accepted by the relevant scientific community, perhaps achieving the grand status of a scientific “theory” or even a scientific “law”.
Excerpt from Daubert v. Merrell Dow Pharmaceuticals, Inc.[130]
60 509 US 579 (1993), 593 to 594. The Court’s view was that, while submission to the scrutiny of the relevant scientific community is a component of good science, because (amongst other things) it increases the likelihood that substantive flaws in methodology will be detected, publication is not to be regarded as a necessary requirement of admissibility. An innovative but nevertheless well-grounded theory may not have been published.
Extract from Daubert v. Merrell Dow Pharmaceuticals, Inc., 509 U.S. 579 (1993)
Another pertinent consideration is whether the theory or technique has been subjected to peer review and publication. Publication (which is but one element of peer review) is not a sine qua non of admissibility; it does not necessarily correlate with reliability, see S. Jasanoff, The Fifth Branch: Science Advisors as Policymakers 61-76 (1990), and in some instances well-grounded but innovative theories will not have been published, see Horrobin, The Philosophical Basis of Peer Review and the Suppression of Innovation, 263 JAMA 1438 (1990). Some propositions, moreover, are too particular, too new, or of too limited interest to be published. But submission to the scrutiny of the scientific community is a component of "good science," in part because it increases the likelihood that substantive flaws in methodology will be detected.[131] See J. Ziman, Reliable Knowledge: An Exploration.[132]
A Global Misunderstanding is Not Surprising
A Global Misunderstanding is Not Surprising
This global misunderstanding is not surprising because the objects or phenomena conceptualized as ‘BlockChain’, distributed/decentralized ledger and related ideas are commonly understood to have emanated from a set of programmatically coded rules that appeared deus ex machina, out of nowhere, in the form of an executable, alpha-state, experimental software program written in the computer language of C++, to create “peer-to-peer electronic cash system” for the transfer of payments, in January 8, 2009[133]. And over the course of seven (7) years, slowly and recently, captured the attention of the world, most notably in 2017[134]. And because the nebulous history of the “peer-to-peer electronic cash system”, most people were afraid to go near it.
With this book, the “world” will learn that when this independently created[135] “peer-to-peer electronic cash system” appeared, it actually or ostensibly become nothing more than subordinate routine or a subsystem of a larger, pre-existing, commercially available, peer-to-peer electronic finance system-network[136], [137] which was over five (5) years old by January 8, 2009. Further, six (6) months earlier (on May 9, 2008), the pre-existing peer-to-peer electronic finance system-network quality management subsystem earned registration to the globally trusted and respected, rigorous National and International Quality Management System (QMS) standard of at least 119 countries, namely ISO 9001:2000[138]. The QMS was independently audited by members of two of the most prestigious organizations of their kind: the internationally respected and trusted International Accreditation Forum (IAF); and, the equally respected and trusted: American National Standards Institute (ANSI), ANSI National Accreditation Board (ANAB) based in the United States[139].
Finally, the pre-existing, peer-to-peer electronic finance system-network is built on a combination of principles and rules that meet or exceed various recommended, endorsed or established requirements, guidelines and best practices by the World Trade Organization (WTO), the Organisation for Economic Co-operation and Development (OECD) and the United Nations Chief Executives Board for Coordination (CEB), International Organization for Standardization (ISO)[140].
The purpose of this document is to introduce the “world” to the origins of the Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"; from at least as early as 2001 to present day (2019); and to show you how simple it is, how powerful it is, how stable it is and how comprehensive it must be, in order to effectively function.
Finally, the rules that created peer-to-peer electronic cash system, unlike the principles that create the peer-to-peer electronic finance system-network, are subject to change and already have changed. There are new forms of peer-to-peer electronic cash systems being created every day. What has not changed, are those things that are largely unknown: the “Principles” that created the world’s first peer-to-peer electronic finance system-network or correctly known as:
The world’s first system-network for trading in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; transacted on a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow basis.
When it comes to the difference between rules and principles, the United States of America President Franklin Delano Roosevelt said it best during his Radio Address to the Young Democratic Club (and the youth of the Republican party[141]) of America on August 24, 1935:
Rules are not necessarily sacred; principles are[142].
Finally, while there are many reasons this book is being written today - and remember - MQCC and Bungay International Inc. have been commercially doing peer-to-peer finance for over 17 years; ask yourself, would you have paid attention 10 years ago? MQCC was around then. What about five (5) years ago? MQCC was around then. Now that some of you have made money, the majority of you have most likely lost money, take the time to find out what the principles underlying the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" are; what they have done (created a frictionless system of trust (SOT™)); and what more they will do.
Don’t Worry: Journalists or Members of the International Federation of Journalists (IFJ), Members of the International Science Council (ISC), Members of the Bank for International Settlements (BIS) and Members of the International Organization of Securities Commissions (IOSCO) also Unrecognized the Very Public Origins
Don’t Worry: Journalists or Members of the International Federation of Journalists (IFJ), Members of the International Science Council (ISC), Members of the Bank for International Settlements (BIS) and Members of the International Organization of Securities Commissions (IOSCO) also Unrecognized the Very Public Origins
A look through the articles registry in the Appendix of this book: MQCC™ Global Public BlockChain/Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Knowledge Register of Articles & Entities (Responses) will show you that the mundane origins of “electronic peer-to-peer finance”, “blockchain”, “utility token”, “securities token” is largely unrecognized. The goods news with inventing the world’s first "BlockChain" principles (commercially identified by the trademark “Principles of ‘BlockChain’™”)-based commercial business is that all claims are (among other things) traceable, verifiable and immutable.
Some notable misunderstandings:
Not recognizing that “pool-to-peer” (also known as ‘crowdfunding’[143]) business model companies are not “peer-to-peer” business model companies because the former trades in what are largely regulated securities and the latter trades in what are largely non-regulated securities[144].
Once it made sense of “what was going on” the United States Securities Commission (SEC®) immediately grasped the understanding of the securities-regulated activity of “pool-to-peer” lending companies passing off (presenting themselves in a misdescriptive or deceptively misdescriptive manner[145]) as “peer-to-peer” lending companies, immediately invoked corrective action as early as November 24, 2008 through cease-and-desist orders.[146]
Pooled funds in the form of payment dependent notes[147] or similar financial instruments do not meet the generally accepted definition of what is a “peer-to-peer” financial instrument[148] in terms of ingredient, quality, characteristic, function, feature, purpose, or use[149].
Regrettably, the moniker of “peer-to-peer” continues to be used, which is one of the reasons for writing this book; to officially correct the public record on the difference between “pool-to-peer” and “peer-to-peer”.
And this correction matters more than you think because the world’s first peer-to-peer electronic finance system-network became registered to the National and International Quality Management System standard ISO 9001:2000[150] on May 9, 2008[151], seven (7) months before the SEC® shut down an actual or ostensible “pool-to-peer” business company passing off as a “peer-to-peer” business model company.
The implication is clear: to be registered as an ISO 9001:2000 company, means that your business model conforms to applicable statutory, regulatory, process, customer and stakeholder requirements, so any company that does not fit the profile cannot be classified as the same. On May 9, 2008, MQCC became the de facto benchmark for all aspects including Quality Management Systems, of peer-to-peer electronic finance. Inclusive of its subordinate concepts: “Bungay Unification of Quantum Processes Algorithm”, also represented,commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"; “Distributed/Decentralized Ledger”; “Utility Tokens”; “Securities Token”; “Intellectual Property Tokens”; “Quality Tokens”; “Proof of Work”; “Proof of Record” and more[152].
Registration of the MQCC peer-to-peer electronic finance-network to ISO 9001:2000 on May 9, 2008 actually or ostensibly transformed MQCC to the global de facto benchmark for all aspects including Quality Management Systems, of peer-to-peer electronic finance-network in at least 119 countries for:
Standards-based consumer expectations
Government-regulatory best-practice
Commercial best-practice
because the ISO 9000 family of Quality Management System standards are adopted as National Standards in at least 119 countries, including, Canada, USA, Australia, UK, China, India, Russia, Finland, Peru, Nigeria, Saudi Arabia, Botswana, Malaysia, Fiji[153].
Indeed regulatory bodies including securities regulators like the United States Securities and Exchange Commission and the Canadian Members of the Canadian Securities Administrators are encouraged by their respective federal governments. For example:
United States of America
...with the approval of the National Technology Transfer and Advancement Act (NTTAA) of 1995 (Public Law 104-113), federal agencies [Authors note: like the SEC® - A member of the International Organization of Securities Commissions (IOSCO)[154]] are encouraged to utilize voluntary consensus standards where feasible and to participate as appropriate in voluntary consensus standards development activities.[155]
Canada
Pursuant to Canada’s Cabinet Directive on Regulation[156], Sub Clause[157] 5.2.5 regulatory cooperation: assessment should also include a review of work undertaken by international standard development organizations for possible incorporation by reference.
Which is consistent with the Canadian Federal Legislation: Standards Council of Canada Act[158] which involves Ministers from all Canadian Provinces and Territories.
And consistent with the Canadian Free Trade Agreement (CFTA)[159] whose goal is to align regulatory frameworks between federal-provincial-territorial bodies.
And finally the Cabinet Directive on Regulation becomes implemented in real-world practice in Canada with bodies like the financial regulatory members of the Canadian Securities Administrators[160], whose members consist of members of the International Organization of Securities Commissions (IOSCO) and whose goals under the Provincial/Territorial Memorandum of Understanding Regarding Securities[161] include:
work closely together to develop and sustain a provincial/ territorial framework for securities regulation that inspires investor confidence and supports competitiveness, innovation and growth;
commitment to explore, on an ongoing basis, new opportunities to strengthen the Canadian securities regulatory framework.
The Bank of Canada published a report on December 14, 2015, over seven (7) years after the United States Securities and Exchange Commission SEC® recognized that companies are actually or ostensibly passing off as peer-to-peer lenders by engaging in the “business of loans” capitalized through pooled financial instruments like payment dependent notes; and these companies are actually or ostensibly NOT “peer-to-peer” entities, but rather “pool-to-peer” (pooling funds from the public market) and therefore subject to securities regulation; which, necessarily, a correctly identified “peer-to-peer” investor-lender, is not. This position that “pool-to-peer” is the same as “peer-to-peer” was further confirmed by US SEC® Commissioner Luis A. Aguilar in a speech entitled The Important Role of Immigrants in Our Economy at the 2013 Annual Gala, Georgia Hispanic Chamber of Commerce, Atlanta, Georgia on May 18, 2013[162]; Commissioner Aguilar expressed his personal view[163] that:
Currently, crowdfunding [Pool-to-Peer] may not be used to sell company shares in the United States. Under current laws, that would be a public offering and would require registration with the SEC, a process that, admittedly, can take time and money, but is designed to inform and protect investors. With the following very important footnote:
To the extent properly structured, the business of “peer-to-peer” lending (a form of crowdfunding for debt capital) may be conducted in the U.S. without registration under the Securities Act of 1933 or the Securities Exchange Act of 1934.
Although you can see that Commissioner Aguilar also did not recognize that the term “peer-to-peer” is not synonymous with the term “crowdfunding” given the prior litigation history of the SEC® on the matter. No problem; once again, this is why (among other reasons) this book is written; to correct current misunderstanding and prevent future misunderstanding.
Now, back to the Bank of Canada, a member of Members of the Bank for International Settlements (BIS)[164].
Disclaimer: the Author, Anoop Bungay and MQCC™ Money Quality Conformity Control Organization incorporated as MortgageQuote Canada Corp. have a direct and indirect relationship with one another because of the following:
On Thursday, October 20, 2016, MQCC invited the Bank of Canada through its Agency Operations Centre division Management to Join the Certified Quality Management-in-Finance Association CQMFA™ (CQMFA.org) founded by MQCC; more about this in a later section.
The Bank of Canada - at a divisional level - is registered to the risk-based Canadian National Standard[165] and International equivalent Quality Management System Standard ISO 9001:2015, just as MortgageQuote Canada Corp. is registered to the same risk-based International Quality Management System Standard ISO 9001:2015, but for a different scope.
The Bank of Canada scope of ISO 9001:2015 registration covers “Processing and distribution services.”[166]
The MortgageQuote Canada Corp. scope of ISO 9001:2015 registration covers “Provision of mortgage banking (“lending” in Canada) and mortgage brokerage services.”[167]
The Bank of Canada switched one of its vendors of third-party services, to one that has a pre-existing, long-standing relationship with MortgageQuote Canada Corp. End Disclaimer].
To start with it is not unreasonable to think that central bankers most likely do not follow the enforcement actions of other non-central bank financial regulators ie: the United States Securities and Exchange Commission SEC®; with this in mind, consider the following; in a December 2015 report entitled Financial System Review[168] authored in part, by the Governor and Deputy Governor. Regrettably and most likely unintentionally, even as late as 2015, there remained a global misunderstanding of the very private and free-trading origins[169] of 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; this misunderstanding is perfectly highlighted by the following two points:
Peer-to-peer (P2P) lending is the practice of individuals lending money to other individuals through websites[170].
Authors note: Correct.
In Canada, P2P lenders first appeared in late 2014[171].
Authors note: Incorrect.
Coincidentally, the Bank of Canada is based in Canada’s capital city, Ottawa; in the province of Ontario, where MQCC has been trading in the Ontario-government-regulated business of peer-to-peer (p2p) lending and investing services as PrivateLender.org: Canada’s Private Lending Network™ since at least as early as January 7, 2009[172].
The International Science Councils ISC[173] associate body: the International Council for Scientific and Technical Information ICSTI[174] as late as 2018 hosted a knowledge seminar[175] entitled Blockchain’ (sic) for Science. The Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" were described by the ISC/ISCTI as:
This first complimentary online seminar in the ICSTI 2018 Webinar series, takes an in-depth look at the opportunities and potential changes in the world of scholarly communication that may be stimulated by Blockchain.
Authors note: This book is an “in depth” look at the historically accurate origins, real opportunities and real change in the world of scholarly communication because the Bungay Unification of Quantum Processes Algorithm also represented, commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" helped to disintermediate the global academic community by going directly from discovery to commercialization and subsequent International Standards registration while bypassing traditional Scholarly Communicative methods.[176]
Blockchain is the technology behind Bitcoin and offers a peer-2-peer network for Trust that potentially can disintermediate traditional brokering authorities like banks, notaries, perhaps even publishers?
Authors note: (Edited) Regulatory-integrated, commercial applications of goods (products) and services (methods) of the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™", are not a technology[177]; and the “peer-2-peer network for Trust” does not potentially disintermediate traditional brokering authorities like banks, notaries, perhaps even publishers (and even traditional brokers of knowledge: Scholars), the “peer-2-peer network for Trust” does actually disintermediate traditional brokering authorities like banks, notaries, publishers and the traditional brokers of knowledge: Scholars.
As for the Journalists and sub-members of the Members of the International Federation of Journalists (IFJ); read the Appendix of this book entitled: MQCC™ Global Public BlockChain/Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Knowledge Register of Articles & Entities (Responses) and see some of the articles (which you will need to find on your own), and see for yourself how Journalists have also misunderstood the origins of “peer-to-peer” finance, the non-novel (exact) conformity science, subordinate concept system: Bungay Unification of Quantum Processes Algorithm also represented commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" and related topic matter.
Yours sincerely emailed a large number of journalists over the years; most notably in an omnibus notice sent to some leading journalists and academics which may be seen in Volume 1:Issue 1 of the International Journal of Conformity Science IJCS™ at ijcs.mqcc.org and is entitled:
Introduction to MQCC.org and Clarification of a Journalistic Descriptive Claim regarding 'the "World's First" RE: An Application of the Trademark "Principles of 'BlockChain'™" in Commerce". April 9, 2005 Free Trading Securities of a Financial & Electronic Nature, Begins.[178]
The implication of this section of the book is clear; most world leaders, scientists, thinkers and business leaders have gotten this wrong; at the highest levels. Do not worry if your current understanding of the world of “peer-to-peer finance”, Trademark "Principles of 'BlockChain'™", “utility token”, “security token’”, “conformity token”, “distributed/decentralized ledger”, “system of trust”, “ISO 9000” is not consistent with historical evidence and is quickly becoming deconstructed; while the commercialized phenomena is over 14 years old, the “world” only started getting interested in earnest, less than (5) years ago. A person cannot become even a Medical Doctor in five (5) years; so there is lots of time to learn. This book is one step in a “global corrective action” that started years ago by yours sincerely, but no one paid attention. Another reason, among many, that this book is written.
The “World” is “Inefficiently Expending” Valuable Money and Precious Time on an Incorrect Understanding: Walk don’t Run
The “World” is “Inefficiently Expending” Valuable Money and Precious Time on an Incorrect Understanding: Walk don’t Run
“Inefficiently Expending” is polite term. Over a period of less than five (5) years[179], globally, hundreds of millions of dollars of government, sovereign, private company and retail investor wealth and valuable personal time is hastily expended because of a fear of missing out (‘fomo”) and an incorrect focus on “technology” not “principles”. And worse; because trusting members of Top Management[180] of organizations[181] (CEOs, Presidents, Boards of Directors), Major Shareholders, Shareholders and retail investors are being bombarded with investment opportunities, technology upgrade opportunities or innovation consulting from people who are either “self taught”[182], or have limited or no credentialed or practical experience in matters related to the subject matter of this book, including items listed in MQCC Table 1.
You are not Learning about Baking, Buying A Loaf of Bread or Investing in a Bakery: Not Wholly Visible
You are not Learning about Baking, Buying A Loaf of Bread or Investing in a Bakery: Not Wholly Visible
Have you ever seen a “BlockChain”? Have you ever touched a “binary digit securities token”? Have you ever seen all the places where a distributed ledger is actually located?
The subject matter of this book or First Edition authoritative encyclopedic reference, includes information on the origin of the discovery of “BlockChain” principles [non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"], “digital assets”, “utility tokens” and some of the items listed in MQCC Table 1. These items are not visible to you; you cannot wholly “see”, “hold” or “touch” a “BlockChain” or related terminological items, in specie or in their real, precise, or actual form[183]. The implication is clear: if you cannot visualize an item or concept then you cannot, in a simple manner, determine if the item or concept conforms[184] to your requirements as a customer, shareholder, investor, regulator, public official, policymaker, or prospective party. So, what do you do? As a start, do what yours sincerely learned to do: ask lots of questions and then implement a process of precise measurement, testing and control protocols.
What are the right questions and the precise measurement, testing and control protocols? Well, this book is only meant as an introductory authoritative encyclopedic reference, not the "main textbook"; whose working title is: Theories, Principles, Protocols, Laws, Math and Litigation-Tested Applications of the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"from August 14, 2001 to Present Day; which is not yet completed and will be much bigger than this book and will come one day (not sure when); nonetheless, the rest of the sections of this authoritative encyclopedic reference will give you an excellent idea; or, you can always contact MQCC and request a personal consultation - which is another reason for writing this book - to let you know MQCC is open for business to license its over 19 years of intellectual property, systems, technology, services and products.
A Defense-Standard, Military-Grade Problem Demands a Defense-Standard, Military-Grade Solution
A Defense-Standard, Military-Grade Problem Demands a Defense-Standard, Military-Grade Solution
In the early 2000’s when setting up the system, it was quickly discovered that when it comes to non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; transacted on a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow basis, Bungay International Inc. (BII) is dealing in Top Secret, classified information. Specifically, what is called today: Personally Identifiable Information (PII)[185]. This why international structures were created:
PrivateLender.org: Canada’s Private Lending Network™/®
PrivateLenderCheck.org
MQCC.org Money Quality Conformity Control Organization
OSBSO.org: Office of the Shadow Banking System Ombudsman/person
And more. See Image A.
Image A: (next page)
Source MQCC Twitter Account (@mymortgagequote)
Visit www.mqcc.org to learn more about the international structures created.
And this is why there was a need to model best practice of organization and information command, control and quality (CCQ™) from the world’s best regulations and standards for command, control and quality, including but not limited to:
United States Department of Defense (DOD)
United States General Services Administration (GSA)
National Aeronautics and Space Administration (NASA)
International Standards Organization (ISO)
Learn from the Best: Seminal Experience Matters
Learn from the Best: Seminal Experience Matters
How do you deal with concepts or innovations that are not wholly visible? Learn from the experts whom yours sincerely learned from: the United States Department of Defense (DOD), General Services Administration (GSA) and National Aeronautics and Space Administration (NASA). These three globally respected organizations collaborated to develop a nice terminology that best describes items that are not wholly visible, like the subject matter of this book, namely, the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"; and the Birth of Binary Digit, Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Securities and Related Financial instruments also known (because of the manner in which they are delivered) as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Securities and Related Financial Instruments; “Principles of ‘BlockChain’”-based, Regulatory-Integrated, Risk-Based Systems, Technology, Services and Products; including many of the items listed in MQCC Table 1; the terminology is:
Complexity
Complex items have quality characteristics, not wholly visible in the end item, for which contractual conformance must be established progressively through precise measurements, tests, and controls applied during purchasing, manufacturing, performance, assembly, and functional operation either as an individual item or in conjunction with other items[186].
If you are a public official, policy maker, regulator, member of an organization Top Management, shareholder, investor, business owner or retail investor and you want to purchase or invest in non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" related matter, then how do you really know what you are getting if:
What you are learning, buying or investing in, is not wholly visible.
You - as the buyer or investor - did not establish contractual conformance through implementation of precise measurement, testing and control protocols.
People in leadership roles in the world do not have this precise, defense standard, military grade level of understanding because nobody, other than yours sincerely is talking like this. And why is that? Most likely because nobody, other than yours sincerely established the internationally accepted global standards and benchmark for trade related to non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™".
Internationally Accepted Global Standard and Benchmark for Consumer Expectations: MQCC is the de facto Global Standard
Internationally Accepted Global Standard and Benchmark for Consumer Expectations: MQCC is the de facto Global Standard
Why? Because yours sincerely:
First discovered the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" through a natural process (between at least as early as August 14, 2001 and April 9, 2005; then,
Abstracted and developed a Concept System for the non-novel (exact) conformity science, subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" and its superordinate domain of science: Conformity Science; then,
Researched the non-novel (exact) conformity science, subordinate concept system: Bungay Unification of Quantum Processes Algorithm also represented commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" using the scientific-method; then,
Developed the non-novel (exact) conformity science, subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™"; then,
Commercialized the non-novel (exact) conformity science, subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" at least as early as April 9, 2005 at www.privatelender.org; then,
Created a commercialized non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments business tokenization system to be transmitted over a global computer network as least as early as April 9, 2005[187].
Created a commercialized Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments business tokenization system to be transmitted over a global computer network at least as early as April 9, 2005[188].
Registered a subordinate Quality Management System consisting of
Vocabularies
Terminologies
Ontologies
Systems Architecture
Reference Models, Reference Architectures, Reference Implementations
Related Intellectual Property
to the International Quality Management System ISO 9001:2000, ISO 9001:2008 and ISO 9001:2015[189].
Maintained over 12 years of continuous registration to ISO 9001:2000, ISO 9001:2008 and ISO 9001:2015 from at least as early as May 9, 2008 until present day (September 2019)[190].
Satisfied over 12 years of independent audit from members of the internationally respected and trusted of American National Standards Institute (ANSI), ANSI National Accreditation Board (ANAB) based in the United States[191].
Satisfied over 12 years of independent audit from members of the internationally respected and trusted of International Accreditation Forum; with global members[192].
Satisfied over 12 years of independent audit from members of the internationally respected and trusted of United Kingdom Accreditation Service (UKAS), based in the United Kingdom of Great Britain and Northern Ireland[193].
Created a commercialized trademark “Principles of ‘BlockChain’™”-based system-network that conforms to the National Standard of at least 119 countries[194].
Created a commercialized trademark “Principles of ‘BlockChain'™”-based system-network that meets or exceeds recommended guidelines established by the World Trade Organization (WTO), the Organisation for Economic Co-operation and Development (OECD) and the United Nations Chief Executives Board for Coordination (CEB)[195].
Litigation tested the commercialized trademark “Principles of ‘BlockChain’™” by some members of the International Conference of Legal Regulators, successfully.
Satisfied Repeated Regulatory Audits
Satisfied Repeated Regulatory Scrutiny
This is an incomplete list.
A global corrective action must take place and this book is one step of the corrective action process. Note to the world: Stop wasting your time and money.
The good news is that the current state of common understanding (though more or less nonconforming) is less than a few years old (maybe 3) - see MQCC™ Global Public BlockChain/Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Knowledge Register of Articles & Entities in the Appendix, so it is not late to implement global corrective action.
Regulatory Missing Link: MQCC MOS™ (Meta-Operating System)
Regulatory Missing Link: MQCC MOS™ (Meta-Operating System)
As explained to the Royal Society of UK on August 29, 2019[196];
The Royal Society Fellows will also discover that yours sincerely defined a new field of study, named: Conformity Science. You may learn about this new field of study at www.conformity.org. A field of study that is recognized and appreciated by regulatory bodies as "the missing link" between regulatory and regulatees for the benefit of the public whom both serve.
While the origins of the non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm and commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" are rooted in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; transacted on a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow basis , because this business is non-regulated or regulatory exempt, free trading, Bungay International Inc. and MQCC needed to create its own:
Private standards
Private regulations
Private enforcement mechanisms
Cross-cutting[197] protocols to integrate with third-party regulatory requirements
An easy-to-use, cost effective, scalable system with global access
A risk-based approach to reduce, mitigate or eliminate risk which is the effect of uncertainty[198].
A private, globally accessible network consisting of a federation of systems (FOS)[199] that consists of heterogeneous organizations that function decentrally and autonomously, trademark registered by its brand-class DHAO™[200]. MQCC System-Network™[201] DHAO™ entities function independently within their own industry-specific, system of systems (SOS) constituency; using a common (uniform), consensus-based set of principles and continually improving rules which function in an interoperable, technology-neutral, single architectural framework designed to work with protocol-based integrations so that each DHAO™ in the MQCC System-Network™ functions in a manner that conforms to statutory, regulatory and system requirements at all levels (top - down[202]) and all phases (end-to-end).
Organizational level
Professional level
Employee level
For example:
USA DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT[203]
Organization for Economic Co-operation and Development OECD Common Reporting Standards[204]
Canadian Interest Act[205]
From as early as August 14, 2001, yours sincerely, Bungay International Inc. and MQCC are currently or were previously, deemed to be regulated entities because some facets of Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow finance had regulatory obligations. The implication is clear: the Bungay International Inc. and MQCC System-Network™ needed to interoperate with regulatory systems; which it has done successfully for over 14 years.
This concept being described involved into a higher-order; trademark “Principles of ‘BlockChain’™”-based, inherently technology-neutral, risk-based, regulatory-integrated, defense-standard, military-grade, command, control, quality (CCQ™[206]) operating system built on a knowledge kernel[207] (MOS™[208] Kernel) that itself, is built on the seminal “Principles of ‘BlockChain’”; and marketed to regulators and regulatees throughout the world under the trademark brand-class name MQCC MOS™[209] integrates with all lower-order, technology-specific operating systems (OS) and the hierarchy looks like this:
Higher Order Operating System (OS)
Trademark “Principles of ‘BlockChain’™”-based, Inherently Technology-Neutral, Risk-Based, Regulatory Integrated, Command, Control, Quality, MQCC MOS™ Brand Operating System
MQCC MOS™/® OS (www.mqcc.org)
Lower Order Operating System (OS)
Non-Inherently Technology-Neutral, Defense-Standard, Military-Grade, Regulatory-Integrated, Command, Control, Quality Operating System
MICROSOFT® OS (www.microsoft.com)
APPLE® OS (www.apple.com)
ANDROID® OS (www.android.com)
LINUX® OS (www.linux.org)
Regulating the Regulators: How the Trademark “Principles of ‘BlockChain’™” helped a Private Regulator Teach Public Regulators that “It Can Be Done”
Regulating the Regulators: How the Trademark “Principles of ‘BlockChain’™” helped a Private Regulator Teach Public Regulators that “It Can Be Done”
On July 2019, the United States Department of Treasury, Office of Inspector General (OIG)[210] Council of Inspectors General on Financial Oversight[211] published a report entitled: Top Management and Performance Challenges Facing Financial-Sector Regulatory Organizations (July 2019)[212]
The purpose of the report was to:
...identify cross-cutting Challenges faced by Financial-Sector Regulatory Organizations.
The utility of non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™", in their commercially available form developed by MQCC, when properly understood and applied, empower regulatory organizations to manage challenges in a manner that is better, safer and more efficient; to paraphrase the words of the internationally respected Canadian Federal Crown Corporation: Standards Council of Canada (SCC)[213].
Remember, though a private entity, MQCC is itself actually or ostensibly a private regulatory body with self-regulating protocols to govern the non-regulated or regulatory exempt, free trading facets of all transactions; and the applicable class of participants involved in each transactions:
Investor
Lender
Applicant
Borrower
Credit Intermediary (if applicable)
For the benefit of reducing, mitigating or eliminating risk for:
All participants listed above and,
Public Official
Regulators
Professional Liability Insurers
Affected Stakeholders
In the July 2019 report, the Council of Inspectors General on Financial Oversight identified seven challenges facing the Financial-Sector Regulatory
Organizations including the below items with arrows. The list items with diamonds show the brand of the MQCC system, technology, service or product that addresses this need.
Enhancing Oversight of Financial Institution Cybersecurity
MQCC MOS™; risk-based, meta-operating system of overarching command, control, quality.
MQCC CYBERLOCKCHAIN™[214] Protocol (complying with the NIST[215] Cybersecurity Framework Core)
Managing and Securing Information Technology at Regulatory Organizations
MQCC CYBERLOCKCHAIN™ Protocol
Sharing Threat Information
MQCC Federation of System (FOS) Communication Network; for both public and private transmissions.
Ensuring Readiness for Crises
MQCC MOS™; risk-based, meta-operating system of overarching command, control, quality.
Strengthening Agency Governance
MQCC MOS™; risk-based, meta-operating system of overarching command, control, quality.
Managing Human Capital
MQCC MOS™; risk-based, meta-operating system of overarching command, control, quality.
Improving Contract and Grant Management
MQCC MOS™; risk-based, meta-operating system of overarching command, control, quality.
The MQCC’s Suite™ of Trademark “Principles of ‘BlockChain'™’’-based systems, technology, services and products are empirically proven to effectively tackle the problems. You could call the MQCC System a “regulatory operating system”, but it is better to call it a “regulator-regulatee operating system” - if anything.
By this moment, you should be getting the idea why this introductory book is over 300 pages; remember, over 19 years of history of a business and field of study (conformity science) never before seen, working together to serve the public. And from what you are gathering by now, Bungay International Inc. and MQCC commercialized the “ trademark Principles of ‘BlockChain'™" first and commercialized trademark “Principles of ‘BlockChain'™” right.
The corollary is that the trademark “Principles of ‘BlockChain’™” (and the superordinate and subordinate concepts ie: distributed/decentralized ledge, utility token, securities token) did not first appear deus ex machina, out of nowhere, in the form of a peer-to-peer electronic cash system without thought, explanation or consideration; rather, the “Principles of ‘BlockChain’” (and the superordinate and subordinate concepts ie: distributed/decentralized ledger; utility token, securities token) were formed from research commencing as early as August 14, 2001 and commercialized least five (5) years earlier at www.mortgagequote.ca a website registered October 10, 2003[216] and later at www.privatelender.org, a website registered on April 9, 2005[217]. And the reason that most people don’t know is because - something that the International Science Council (council.science) assumed was just a potentiality[218] - the world’s first network for trust actually, successfully and sustainably, over the course of nearly 20 years, disintermediated the “world”.
The "main textbook" whose working title is: Theories, Principles, Protocols, Laws, Math and Litigation-Tested Applications of non-novel (exact) conformity science subordinate concept system: Bungay Unification of Quantum Processes Algorithm commercially represented by the trademark source identifier: "Principles of 'BlockChain'™" from August 14, 2001 to Present Day is not yet completed and will be much bigger than this authoritative encyclopedic reference; but truth be told (pardon the pun) focus at the MQCC Head Office is licensing the MQCC Systems, Technology, Services and Products to its “highest and best use”, which means to Heads of States, governments, regulatory bodies, and the Top Management of regulated entities. And by now, you should be realizing why a practitioner in the subject matter of conformity science and the trademark “Principles of ‘BlockChain’™” requires at least four (4) years of formal training to achieve an undergraduate level of knowledge, and two (2) to four (4) more years of study for graduate, doctoral and post-doctoral research.
Banks, Regulators, Professional Liability Insurers, Credit Intermediaries, Investors and Investees have Benefitted from MQCC and it’s trademark “Principles of ‘BlockChain’™”-Based System and the “Token Concept”: So Can You
Banks, Regulators, Professional Liability Insurers, Credit Intermediaries, Investors and Investees have Benefitted from MQCC and it’s trademark “Principles of ‘BlockChain’™”-Based System and the “Token Concept”: So Can You
Over the past 14 years and longer, banks, regulators, professional liability insurers, credit intermediaries, investors and investees have unknowingly or knowingly (the majority are unknowing), benefitted from the MQCC™ trademark “Principles of ‘BlockChain’™” based systems, technology, products and services as follows:
Reduction in risk due to conformity to statutory and regulatory requirements.
Trading in Personal (peer/private/secret/non-public) Financial Data in a token environment via a global computer network on a peer-to-peer basis (utility token).
Trading in non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial in a token environment via a global computer network on a peer-to-peer basis (free trading securities token).
What is a “token”
What is a “token”
ISO/IEC 2382:2015(en) published by the International Organization for Standardization (ISO) and the International Electrotechnical Commission (IEC)[219] indicates that the term and definition of token was standardized in 1992 within the document published as ISO /IEC 2382-25:1992[220]. The current standardized definition is:
In a local area network, specified group of bits serving as a symbol of authority passed successively from one data station to another to indicate the station temporarily in control of the transmission medium.
Note 1 to entry: All information is conveyed by frames. Some frames contain a token and no user data, others contain data and no token.
Binary Digit Financial Information Delivered via Token System: What 19 Years of Experience Shows
Binary Digit Financial Information Delivered via Token System: What 19 Years of Experience Shows
Binary digit (electronic) financial information for a lending system comes in several classes based upon the type of lender[221]:
Bank/Non-Bank (Regulated)
Private Individual or Private Company (Non-Regulated)
Representing several origination-classes of money/wealth[222]:
Pooled (Syndicated/Regulated) Funds
Non-Pooled (Peer/Non-Regulated) Funds
Utility Token (and types)
The first non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading, Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow binary digit utility token consisted of information representing loan application details (personally identifiable information PII) and was sent via email from Bungay International Inc. to an investor-lender at some point between August 14, 2001 and April 9, 2005. In most of the world, generally speaking, an organization must be licensed by a regulator to trade in loan applications where the loan is secured by real estate[223].
This is called a utility token because the information transmitted does not include evidence of an acceptance of a financial obligation; the token only contains personally identifiable information PII.
Other types of utility tokens include:
Intellectual Property Tokens
Quality Tokens
Conformity (Active, Enforced Compliance) Tokens
Securities Token
The first non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading, Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow binary digit free trading securities token consisted of information representing the details of a signed, legal binding document accepting the terms of a financial debt (personally identifiable information PII) and was sent via email from Bungay International Inc. to an investor-lender at some point between August 14, 2001 and April 9, 2005. In most of the world, generally speaking, an organization must be licensed by a regulator to trade in loan applications where the loan is secured by real estate[224].
This is called a securities token because the information transmitted includes evidence of an acceptance of a financial obligation in addition to personally identifiable information PII.
Depending on the jurisdiction, the sender or the recipient or both may be subject to regulatory oversight, which is why it is in a class of its own.
MQCC markets its financial products globally under the trademark brand-class BIT BRAND™ financial services; and the binary digit loan system, technology, services and products for loans (secured, and unsecured) is marketed under the registered trademark brand name: BITMORTGAGE™/®.[225]
Education Accreditation and Quality Assurance
Education Accreditation and Quality Assurance
Meets or Exceeds United States Department of Education DOE Quality Standard Requirements for Accreditation and Quality Assurance at both an "Institutional" level and "Specialized/Programmatic" level
Meets or Exceeds United States Department of Education DOE Quality Standard Requirements for Accreditation and Quality Assurance at both an "Institutional" level and "Specialized/Programmatic" level
Continuously Registered to the United States Federal Standard for Quality Management ISO 9001:2000; ISO 9001:2008 and the risk-based, ISO 9001:2015
Continuously Registered to the United States Federal Standard for Quality Management ISO 9001:2000; ISO 9001:2008 and the risk-based, ISO 9001:2015
Read the seminal textbook; available at Amazon® and GOOGLE PLAY® Textbooks: Author: Anoop Bungay
Teaching Harvard: & All Higher-Level, Accredited/Accredited Class®, Regulated, Vocational, Academic, Research, Development (HARVARD) Class Organizations
Learn more about the importance of Accreditation and Quality Assurance here
ONE WORLD. ONE BLOCKCHAIN.™
ONE WORLD. ONE BLOCKCHAIN.™
Visit www.BlockChainStandards.net and www.FinanceStandards.net to learn more.
Celebrating over 21 Years of Discovery, Commercialization, Regulatory-Integration, National and International Standardization
2001 - 2021+
EYES OPEN™ trademark brand of Learning, Education, Training (LET) and Testing/Accreditation Program for members of the legal profession and judiciary.
EYES OPEN™ trademark brand of Learning, Education, Training (LET) and Testing/Accreditation Program for members of the legal profession and judiciary.
An initiative 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.
There is a litigation-tested, regulatory-recognized, regulatory-scrutinized, commercialized, de facto standard and industry standard for standard for what constitutes the nature, quality, characteristics, function, purpose, form, and extent of "BlockChain"; here is where you learn it.
From its military-grade, defense-standard, central banking standards, developed between 2001 and 2005 and commercialized on April 9, 2005; and registered to United States and international equivalent National and International Standards in upto 118+ countries at least as early as May 9, 2008; learn how the concept system was discovered, developed, commercialized, regulatory-integrated, National and Internationally-standardized and continually improved for the past 21 years from the First Observer and Creator, Mr. A. K. (Anoop) Bungay.
A FATHER OF BLOCKCHAIN® and FATHER OF CRYPTO® registered trademark brand of educational services.
A FATHER OF BLOCKCHAIN® and FATHER OF CRYPTO® registered trademark brand of educational services.
OECD best practice
United Innovation Network
Commonwealth
United States Department of Education Quality Standards Met or Exceed
US - UK - Canada Expert Witness Standard
Creator of the worlds' first blockchain bitcoin company
litigation tested
regulator-scrutinized
original and originating standard
Nature, Quality, Characteristics, Extent, Function, Feature, Purpose, Use, Genus established based upon different KAU Knowledge of Activity Units and Skills, training and accreditation required.
Conforms to and, is continuously insured by errors and omissions, professional liability insurances since at least as early as September 16, 2006 (incorporation of MQCC®)
What Is in a Word; Generic (blockchain) vs Trademark (BLOCKCHAIN®)
What Is in a Word; Generic (blockchain) vs Trademark (BLOCKCHAIN®)
Correct, Proper and Functional: Nature, Quality, Character/Characteristics, Extent, Feature, Function, Purpose
Correct, Proper and Functional: Nature, Quality, Character/Characteristics, Extent, Feature, Function, Purpose
BLOCKCHAIN® Trademark DEFINITION
BLOCKCHAIN® Trademark DEFINITION
Meta ♦ Quality ♦ Conformity ♦ Control Organization™ (MQCC®.org); a MortgageQuote Canada Corp. Initiative - BlockChain Definition.pdfHistory of Hedge™
History of Hedge™
Proof of Anti-Hedge Nature, Quality and Character; Proof of MQCC® as an Effective Hedge Against Inflation for over 20 Years
MQCC® Quantum AI SystemsNet™ presents: Official Authentic Original OAO™: CRYPTDO™ brand crypto; BITCOIN™ Utility NonFungible Token Service; BITCOIN™ brand, BITMORTGAGE® Free-Trading Securities NonFungible Token: Nominal Annual Return and USA CPI as % (InflationHedge AI™ Service for NonCorrelated Digital Assets and Digital Debts (www.noncorrelated.org))
MQCC® Quantum AI SystemsNet™ presents: Official Authentic Original OAO™: CRYPTDO™ brand crypto; BITCOIN™ Utility NonFungible Token Service; BITCOIN™ brand, BITMORTGAGE® Free-Trading Securities NonFungible Token: Nominal Annual Return and USA CPI as % (InflationHedge AI™ Service for NonCorrelated Digital Assets and Digital Debts (www.noncorrelated.org))
TRUE CRYPTO RETURNS™ -- TRUE BITCOIN RETURNS™
TRUE CRYPTO RETURNS™ -- TRUE BITCOIN RETURNS™
www.TrueCryptoReturns.com -- www.TrueBitCoinReturns.com -- www.HistoryOfHedge.com (History of Hedge™)
MQCC™ METAVERSE™ Official Authentic Original OAO™ BlockChain™ BITCOIN™ CRYPTDO™ brand crypto; P2P Wealth Returns™ % vs. Year (2003 - 2022+) - No Public-Zero Beta™ Stable Returns
MQCC™ METAVERSE™ Official Authentic Original OAO™ BlockChain™ BITCOIN™ CRYPTDO™ brand crypto; P2P Wealth Returns™ % vs. Year (2003 - 2022+) - No Public-Zero Beta™ Stable Returns
Zero Public Market Volatility
Zero Public Market Volatility
Source: BITCOIN ECO™: www.bitcoin.eco
MQCC™ METAVERSE™ Official BlockChain BITCOIN CRYPTO™ P2P Wealth Returns™ Cumulative Principal vs. Year (2003 - 2021+)
MQCC™ METAVERSE™ Official BlockChain BITCOIN CRYPTO™ P2P Wealth Returns™ Cumulative Principal vs. Year (2003 - 2021+)
Source: BITCOIN ECO™: www.bitcoin.eco
Notes:
Visit MQCC Doubling Calculator™ www.doublingcalculator.com to learn more.
1. Canadian Dollars
2. % Returns are before MQCC Asset Owner and MQCC Intellectual Property Rights Licensing Fees
3. Canadian Dollars
4. Primarily Fully Secured, free trading, non-public market, primary, direct, land title-secured securities
5. Primarily 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 (visit www.ip2pfa.org to learn more.
History of World-wide Disclosure
History of World-wide Disclosure
www.DisclosureOfBlockChain.com
Scroll through the list below.
The Rt Hon. Lord Woolf (UK); the future of Law, Science (information technology, conformity, BlockChain), Governance, Finance, Society & realization of the Immediate Benefit Systems & Technology (IBS&T™) "Distinguishing Mark" developed by MQCC
The Rt Hon. Lord Woolf (UK); the future of Law, Science (information technology, conformity, BlockChain), Governance, Finance, Society & realization of the Immediate Benefit Systems & Technology (IBS&T™) "Distinguishing Mark" developed by MQCC
The Rt Hon. the Lord Woolf; Message respecting "realization of a vision" - 1996 to 2019
The Rt Hon. the Lord Woolf; Message respecting "realization of a vision" - 1996 to 2019
From: Anoop Bungay <anoop.bungay@mqcc.org>
Date: Wed, Jan 2, 2019 at 6:20 PM
Subject: The Rt Hon. the Lord Woolf; Message respecting "realization of a vision" - 1996 to 2019
To: <contactholmember@parliament.uk>
The Right Honorable Lord Woolf
The Right Honorable Lord Woolf
Harry Woolf
Harry Woolf
Crossbench - Member of the House of Lords
Crossbench - Member of the House of Lords
Parliamentary Contact
Parliamentary Contact
House of Lords, London, SW1A 0PW
House of Lords, London, SW1A 0PW
Tel: 0207 219 5353
Tel: 0207 219 5353
Fax: 0207 219 5979
Fax: 0207 219 5979
Email: contactholmember@parliament.uk
Email: contactholmember@parliament.uk
Dear Lord Woolf,
Dear Lord Woolf,
In 1996, your study respecting "Access to Justice" envisioned a future that, for the past 15 years has become a reality. Little might you have known that the technological innovations you foreshadowed not only have materialized, but have evolved beyond expectation. Imagine a world where consumers of legal services are be able to retain the services of a lawyer (barrister or solicitor) and enjoy the comfort of knowing that the legal professional works within a system that assures all "statutory, regulatory and process" requirements are continuously maintained - for the benefit of the consumer, the regulator and the courts. A system designed to to reduce professional liability claims against the lawyer for reasons of error, omission or regulatory nonconformity. Most importantly, this system that is being described to you, meets your "test" for what an "immediate benefit" system should look like.
In 1996, your study respecting "Access to Justice" envisioned a future that, for the past 15 years has become a reality. Little might you have known that the technological innovations you foreshadowed not only have materialized, but have evolved beyond expectation. Imagine a world where consumers of legal services are be able to retain the services of a lawyer (barrister or solicitor) and enjoy the comfort of knowing that the legal professional works within a system that assures all "statutory, regulatory and process" requirements are continuously maintained - for the benefit of the consumer, the regulator and the courts. A system designed to to reduce professional liability claims against the lawyer for reasons of error, omission or regulatory nonconformity. Most importantly, this system that is being described to you, meets your "test" for what an "immediate benefit" system should look like.
You are receiving this message from myself because you need to know that what you envisioned, both technology-wise, and by virture of your understanding of the importance of distinguishing "immediate benefit" systems and technology versus long term systems and technology, is very important.
You are receiving this message from myself because you need to know that what you envisioned, both technology-wise, and by virture of your understanding of the importance of distinguishing "immediate benefit" systems and technology versus long term systems and technology, is very important.
The article below entitled: "The Rt Hon. Lord Woolf (UK); the future of Law, Science (conformity; blockchain), Finance, Society & realization of the Immediate Benefit Systems & Technology (IBST™) "Distinguishing Mark" developed by MQCC", succinctly describes how your vision was realized.
The article below entitled: "The Rt Hon. Lord Woolf (UK); the future of Law, Science (conformity; blockchain), Finance, Society & realization of the Immediate Benefit Systems & Technology (IBST™) "Distinguishing Mark" developed by MQCC", succinctly describes how your vision was realized.
Thank you for allowing me to share this with you, and Happy 2019 New Year to you and yours.
Thank you for allowing me to share this with you, and Happy 2019 New Year to you and yours.
Yours Sincerely,
Yours Sincerely,
/s/
/s/
Anoop Bungay
Anoop Bungay
Calgary, Canada
Calgary, Canada
The Rt Hon. Lord Woolf (UK); the future of Law, Science (conformity; blockchain), Finance, Society & realization of the Immediate Benefit Systems & Technology (IBST™) "Distinguishing Mark" developed by MQCC
The Rt Hon. Lord Woolf (UK); the future of Law, Science (conformity; blockchain), Finance, Society & realization of the Immediate Benefit Systems & Technology (IBST™) "Distinguishing Mark" developed by MQCC
Introduction
In 1996, under appointment by the Lord Chancellor of the House of Lords in the United Kingdom (UK), The Rt Hon. the Lord Woolf (Harry Kenneth Woolf), presented a final report respecting "Access to Justice"[1]. This report became the basis for the introduction of Civil Justice Reforms throughout England and some Commonwealth nations.
Lord Woolf "stressed the importance of the role of information technology (IT) in supporting the implementation of [his] more general recommendations.[2]" Including the need to address consider costs, infrastructure and strategy when sensibly investing in appropriate technology to[3]:
streamline and improve existing systems
streamline and improve existing processes
increase cost savings
improve quality
enhance productivity
While Lord Woolf recognized that IT, itself, could become "a catalyst for radical change"; he also expressed that planning an IT strategy necessitated a need to "distinguish between those systems which can be implemented quite quickly, bringing immediate benefits, and those which are far longer term ventures[4] (seven to 10 years out[5])."
How does one know if a system or innovation has the distinction of being an "immediate benefit"?
The MQCC Immediate Benefit Systems & Technology (IBST™) Designation
MQCC is pleased to announce the introduction of the MQCC Immediate Benefit System & Technology (IBST) designation (distinguishing mark).
The MQCC Immediate Benefit Systems & Technology (IBST™) Logo
The MQCC IBST™ distinguishing mark (logo) enables prospective and existing organizations who use MQCC systems and technology (government, regulatory and corporate clients) and their respective customers; to quickly identify (on a "prima facie" or "at-a-glance" basis), that MQCC Immediate Benefit Systems & Technology are implemented.
Further, the MQCC IBST™ distinguishing mark provides validation that MQCC systems and technology (direction/purpose, standards, parameters, guidelines[6]) meet the two most important characteristics identified by Lord Woolf, namely[7]:
quick implementation
realization of immediate 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 IBST™ 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 IBST™ designation.
A pan-industry solution: Beyond Law and beyond the "The Future" envisioned by Lord Woolf
In his final report, Lord Woolf envisioned a future consisting of systems and technology where a judge would be able to access historical and current validated [pursuant to court protocols] information (data) related to a particular matter (case or subject), in an electronic format, from anywhere; retrieved from "some central location"[8].
Originally designed for financial and legal purposes; applying the seminal principles of "blockchain" (www.blockchainprinciples.org), MQCC systems and technology expands Lord Woolf's vision beyond the finance and legal sector to all other industry sectors (pan-industry application); as defined in the International Standard Industrial Classification of All Economic Activities Revision 4 [9].
Further benefits of the application of the principles of "blockchain", allows for improvement to Lord Woolf's original vision. Namely, historical and current validated [pursuant to MQCC Artificial Algorithmic Intelligent (AAI™) brand of self-learning artificial intelligence (AI) protocols [10]] information (data) related to a particular matter (case or subject), in an electronic format, from anywhere; may now be retrieved from (and updated to) a decentralized location (ledger-based system)".
Tokenized Law; Tokenized Commerce
One of the greatest benefit to-date of MQCC IBST™ is the ability to bring transparency, accountability, trust, quality and continual improvement to all aspects of an organization's operations; especially those organizations what are subject to regulatory oversight which require evidenced-based proof of conformity to statutory, regulatory and process (SRP™) requirements. This is accomplished through integration of proprietary, MQCC token-based algorithms within an overarching system of control and multi-discipline convergence of disparate scientific and business principles.
Empirically Proven, Litigation Tested (by Legal Regulators), International Acceptance
Since May 9, 2008, continuously registered to the National and International Standard of 119 countries, ISO 9001:2015 (and it's preceding standards: ISO 9001:2000 and ISO 9001:2008), the core kernel of any MQCC IBST designated system (and technology) is trusted by technical (scientific, engineering) professionals, on a global basis.
Registration to ISO 9001:2015 provides "prima facie" or "at-a-glance" empirical proof that MQCC's core operating system "does what says and says what it does".
The MQCC core operating system is successfully litigation tested by member bodies of the International Conference of Legal Regulators (ICLR).
What is MQCC?
The Money Quality Conformity Control organization (MQCC) is developer of the world's first internationally recognized, defense standard, military/law enforcement-grade, turn-key, plug 'n play (PnP), end-to-end (E2E) "secure, risk-based meta-operating system" built in accordance to the MQCC Artificial Algorithmic Intelligent (AAI™) brand of self-learning artificial intelligence (AI) systems standards and pioneering MQCC "blockchain" principles; designed to assure statutory, regulatory and process conformity of a regulated organization (regulatee) within any industry sector. Celebrating over 15 years of successful litigation-tested, regulatory recognized, continual operation.
A complete list of the features, benefits, characteristics and quality of MQCC systems and technology may be found at www.mqcc.org.
[1] Great Britain: Lord Chancellor's Department: Woolf, Harold; Access to Justice: Final Report (Great Britain: Stationery Office Books, 1996-07)
[2] ibid. Section VI; Chapter 21; Para 1.
[3] ibid.
[4] ibid.
[5] ibid. Section VI; Chapter 21; Para 36.
[6] ibid. Section VI; Chapter 21; Para 35.
[7] ibid. Section VI; Chapter 21; Para 1.
[8] ibid. Section VI; Chapter 21; Para 22.
[9] USA: United Nations;
International Standard Industrial Classification of All Economic Activities Revision 4 (USA: United Nations, 2008)
[10] www.mqcc.org
On Tue, Dec 25, 2018 at 9:23 AM Anoop Bungay <anoop.bungay@mqcc.org> wrote:
Lord Woolf
Lord Woolf
Harry Woolf
Harry Woolf
Crossbench - Member of the House of Lords
Crossbench - Member of the House of Lords
Parliamentary Contact
Parliamentary Contact
House of Lords, London, SW1A 0PW
Tel: 0207 219 5353
Fax: 0207 219 5979
Email: contactholmember@parliament.uk
Dear House of Lords,
My name is Anoop Bungay and I am a UK National, living in Canada, who seeks to send an email message to Lord Woolf respecting developments in technological transformations in reference to "Access to Justice"; and how Lord Woolf's vision, respecting the need to "distinguish between those systems which can be implemented quite quickly, bringing immediate benefits, and those which are far longer term ventures." has not only been realized but celebrates over 10 years of registration to the rigorous UK Quality Management System National Standards published by the British Standard Institute.
Kindly provide your's truly with a contact email for Lord Woolf; or instructions on how to reach out to Lord Woolf.
Merry Christmas,
Anoop Bungay
Calgary, Canada
--
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
President
MQCC™
The First Name in Global Blockchain Conformity Systems & Technology™
Developer of Blockchain Zero One™
Education * Conformity* Finance
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Sincerely yours,
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