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"Point in Time" Regulation Content

Securities Act

Rule 45-501 (BC): Mortgages

B.C. Reg. 189/2000

NOTE: Links below go to regulation content as it was prior to the changes made on the effective date. (PIT covers changes made from September 19, 2009 to "current to" date of the regulation.)
SECTIONEFFECTIVE DATE
Section 1 September 28, 2009
Section 3 September 28, 2009
January 11, 2015
March 1, 2021
Section 4 September 28, 2009
May 5, 2015
March 1, 2021
Section 4.1 March 1, 2021
Section 5 March 1, 2021
Section 5.1 March 1, 2021
Section 5.2 March 1, 2021

 Section 1, definition "syndicated mortgage" BEFORE amended by BC Reg 226/2009, effective September 28, 2009.

"syndicated mortgage" means a security that provides an investment arrangement in which a person participates, together with others, as a mortgagee through the acquisition of a portion of a debt obligation that is secured by a mortgage.

 Section 3 BEFORE re-enacted by BC Reg 226/2009, effective September 28, 2009.

 Restriction on exemption under section 46 (e) of the Act

3  Unless the purchaser of the securities is an institutional investor, the exemption under section 46 (e) of the Securities Act does not apply to a person making a trade of a security if

(a) the security is a debt obligation that is secured by a mortgage, or other encumbrance, on property that is not real property, or

(b) the security is a syndicated mortgage.

 Section 3 BEFORE amended by BC Reg 238/2014, effective January 11, 2015

Syndicated mortgages — registration not required for trades to institutional investors

3   Despite section 8.12 (3) of National Instrument 31-103 Registration Requirements and Exemptions, the dealer registration requirement does not apply in respect of a trade in a syndicated mortgage made to an institutional investor.

 Section 3 BEFORE re-enacted by BC Reg 49/2021, effective March 1, 2021.

Syndicated mortgages — registration not required for trades to institutional investors

3   Despite section 8.12 (3) of National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations, the dealer registration requirement does not apply in respect of a trade in a syndicated mortgage made to an institutional investor.

[en. B.C. Reg. 226/2009, Sch. D, s. 2; am. B.C. Reg. 238/2014, App. D, s. 5.]

 Section 4 BEFORE re-enacted by BC Reg 226/2009, effective September 28, 2009.

 Restriction on exemption under section 75 (a) of the Act

4  Unless the purchaser of the securities is an institutional investor, the exemption under section 75 (a) of the Securities Act does not apply to a person making a distribution of a security described in section 46 (e) of the Securities Act if

(a) the security is a debt obligation that is secured by a mortgage, or other encumbrance, on property that is not real property, or

(b) the security is a syndicated mortgage.

 Section 4 BEFORE amended by BC Reg 67/2015, effective May 5, 2015.

Syndicated mortgages — prospectus not required for distributions to institutional investors

4   Despite section 2.36 (3) of National Instrument 45-106 Prospectus and Registration Exemptions, the prospectus requirement does not apply in respect of a distribution of a syndicated mortgage to an institutional investor.

[en. B.C. Reg. 226/2009, Sch. D, s. 3.]

 Section 4 BEFORE re-enacted by BC Reg 49/2021, effective March 1, 2021.

Syndicated mortgages — prospectus not required for distributions to institutional investors

4   Despite section 2.36 (3) of National Instrument 45-106 Prospectus Exemptions, the prospectus requirement does not apply in respect of a distribution of a syndicated mortgage to an institutional investor.

[en. B.C. Reg. 226/2009, Sch. D, s. 3; am. B.C. Reg. 67/2015, Sch. B, s. 1 (h).]

 Section 4.1 was enacted by BC Reg 49/2021, effective March 1, 2021.

 Section 5 BEFORE re-enacted by BC Reg 49/2021, effective March 1, 2021.

Exemption from registration and prospectus requirements

5   Sections 34 and 61 of the Securities Act do not apply to a trade in a qualified syndicated mortgage if, before the agreement of purchase and sale is entered into, the purchaser is provided with the form of investor disclosure required by the Mortgage Brokers Act.

 Section 5.1 was enacted by BC Reg 49/2021, effective March 1, 2021.

 Section 5.2 was enacted by BC Reg 49/2021, effective March 1, 2021.