Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

What is the benefit of MQCC® Bungay International Technology Currency of Information™ brand of Quality Management Systems and Services; Bungay Logic and Order Conformity Kernel; Cyber/noncyber Harmonized Artificial/non-artificial Intelligence Network: BLOCKCHAIN™ brand of quality managed and quality management goods and services (BlockChainQMS™)?

Built as an application of superordinate and subordinate concepts systems of conformity science ("applied conformity science"; visit www.conformity.org to learn about conformity science); including natural phenomena coined as the Bungay Unification of Quantum Processes Algorithm (BUQPA™), the MQCC™ Bungay Logic and Order Conformity Kernel; Cyber/noncyber Harmonized Artificial/non-artificial Intelligence Network: BLOCKCHAIN™ trademark brand of goods and services is a suite of standards, systems, technology, goods (wares/products) and services (methods) that:

• Helps make the World's Corporation's, Organization's and Individual's (COIN™) who are in governance positions or trade in Commercial and Personal Goods (wares) and Services (methods),  better, safer and more efficient for customers and consumers by preventing $$$ financial, economic or monetary loss caused by:

  • • • Errors

      • Omissions

      • Process breakdowns

      • System breakdowns

      • Organization inefficiency

      • Systems Level inefficiency

      • Miscommunication

      • Fraud

      • Theft

      • Inexperience

      • Untested Competency or Proficiency

      • Negligence

      • Untested Trust

      • Unmitigated or Unmanaged Risk

      • Mismanagement

      • Failure to conform to statutory, regulatory, customer, investor or other requirement

You may learn more about the is best explained at the MQCC™ parent website www.mqcc.org in the section called: 

THE "WHY": A MESSAGE TO YOU: A MESSAGE TO THE WORLD

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

Typical MQCC™ Customers

Typical MQCC™ Customers include: 

• Corporations, Organizations and Individuals (COIN™) 

• Government

• Industry

• Academia

BlockChainQMS™: Typical Roles of Individuals Related to an MQCC™ Customer 

• 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™) 

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

Industry Class/Description of MQCC™ BLOCKCHAIN™ trademark brand of services or goods:

035 Advertising and business 

036 Insurance and financial

041 Education and entertainment

042 Computer and scientific

035 Advice on the analysis of consumer buying habits and needs provided with the help of sensory, quality and quantity-related data  

035 Business services provided to the healthcare industry, namely, the collection, reporting, and analysis of healthcare quality data for business purposes  

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 Collection and analysis of quality metric data for bankers, policy makers, elected officials, lawyers, health care professionals, fiduciary officers of organizations and regulated professionals that are subject to professional liability insurance for business purposes  

035 Conducting employee incentive award programs to promote standards development, quality management and continual improvement  

035 Rating the environmental qualities and impact of consumer products of others for the purpose of making purchasing decisions  

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 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® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems 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™).

MQCC®: Your Source of the MQCC® "UPGRADE ALGORITHM™" brand of quality management systems and services

www.UpgradeAlgorithm.com™

• Conformity Management Services for Corporations, Organizations and Individuals (COIN™) World-wide.

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

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)

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

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

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.

BLOCKCHAIN KEEPS YOU SAFE™

CRYPTO KEEPS YOU PRIVATE™

METAVERSE KEEPS YOU QUALITY™

Get started with MQCC® BLOCKCHAIN QMS™  brand of education, entertainment and quality management systems services today; contact info@mqcc.org.

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>

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)

    • https://www.fsrao.ca/licensing/mortgage-brokerage/about-mortgage-brokerage-and-mortgage-administrator-licences/fsra-approved-errors-and-omissions-insurance-providers

(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

www.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.