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UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs.PENSION FORMS
PENSIONS AND RETIREMENT INSURANCE AGENT LISTING · FCNB PORTAL Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs.PENSION FORMS
PENSIONS AND RETIREMENT INSURANCE AGENT LISTING · FCNB PORTAL Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and CONTACT | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Toll Free: 1-866-933-2222. Monday to Friday. 8:30 AM to 4:30 PM. Email: info@fcnb.ca. Online Service. SUBMIT A COMPLAINT. Find resources and information to guide you through using our online portal in the Self-Serve Portal FAQs section. CONSUMER PROTECTIONS As a consumer, you should expect to be treated fairly and honestly by the businesses you buy from. You should also feel confident when you make a purchase. FCNB is New Brunswick’s consumer protection watchdog. Through licensing, regulation, enforcement, and administration, we help maintain a fair marketplace while educating consumers and businesses about their rights and responsibilities. BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.PENSION FORMS
Financial and Consumer Services Commission. 225 King Street, Suite 200. Fredericton, NB E3B 1E1. FCNB also provides prescribed forms under the Pension Benefits Act to be submitted to third parties. Some of the forms require that the signature be notarized prior to submitting the form. Please note that the signature may be takenbefore a
INSURANCE | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Insurance is a tool for protecting yourself from financial loss. It’s a contract in which you pay a fee to an insurance provider, and in return, you receive a payment in the event of an insured loss. It can help reduce financial hardship and cover the cost of unexpectedevents such
SECURITIES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES The Securities Division administers the Securities Act through the regulation and oversight of registrants, securities issuers, and self-regulatory organizations. It reviews offering documents, continuous disclosure documents, and exemption applications to MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. NEW BRUNSWICK SECURITIES COMMISSION Career Opportunity FCNB is a leader in integrated financial and consumer services regulation. FCNB’s mandate is to protect consumers and enhance public confidence in the financial and consumer marketplace through the provision CRYPTO ASSETS AND CRYPTOCURRENCY What are Crypto Assets? Crypto assets are purely digital assets that use public ledgers over the internet to prove ownership. They use cryptography, peer-to-peer networks and a distributed ledger technology (DLT) – such as blockchain – to create, verify and secure transactions. They can have different functions and characteristics: they may be used as a medium of exchange; a way tostore
PROPOSED RULES AND CHANGES Following are the proposed rules and changes currently out for comment—organized by industry. If you wish to be notified when information becomes available for each sector, please subscribe to receive email updates for regulatory notices. NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs.PENSION FORMS
PENSIONS AND RETIREMENT INSURANCE AGENT LISTING · FCNB PORTAL Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs.PENSION FORMS
PENSIONS AND RETIREMENT INSURANCE AGENT LISTING · FCNB PORTAL Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and CONTACT | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Toll Free: 1-866-933-2222. Monday to Friday. 8:30 AM to 4:30 PM. Email: info@fcnb.ca. Online Service. SUBMIT A COMPLAINT. Find resources and information to guide you through using our online portal in the Self-Serve Portal FAQs section. CONSUMER PROTECTIONS As a consumer, you should expect to be treated fairly and honestly by the businesses you buy from. You should also feel confident when you make a purchase. FCNB is New Brunswick’s consumer protection watchdog. Through licensing, regulation, enforcement, and administration, we help maintain a fair marketplace while educating consumers and businesses about their rights and responsibilities. BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment.PENSION FORMS
Financial and Consumer Services Commission. 225 King Street, Suite 200. Fredericton, NB E3B 1E1. FCNB also provides prescribed forms under the Pension Benefits Act to be submitted to third parties. Some of the forms require that the signature be notarized prior to submitting the form. Please note that the signature may be takenbefore a
INSURANCE | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Insurance is a tool for protecting yourself from financial loss. It’s a contract in which you pay a fee to an insurance provider, and in return, you receive a payment in the event of an insured loss. It can help reduce financial hardship and cover the cost of unexpectedevents such
SECURITIES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES The Securities Division administers the Securities Act through the regulation and oversight of registrants, securities issuers, and self-regulatory organizations. It reviews offering documents, continuous disclosure documents, and exemption applications to MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. NEW BRUNSWICK SECURITIES COMMISSION Career Opportunity FCNB is a leader in integrated financial and consumer services regulation. FCNB’s mandate is to protect consumers and enhance public confidence in the financial and consumer marketplace through the provision CRYPTO ASSETS AND CRYPTOCURRENCY What are Crypto Assets? Crypto assets are purely digital assets that use public ledgers over the internet to prove ownership. They use cryptography, peer-to-peer networks and a distributed ledger technology (DLT) – such as blockchain – to create, verify and secure transactions. They can have different functions and characteristics: they may be used as a medium of exchange; a way tostore
PROPOSED RULES AND CHANGES Following are the proposed rules and changes currently out for comment—organized by industry. If you wish to be notified when information becomes available for each sector, please subscribe to receive email updates for regulatory notices. NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it CONSUMER PROTECTIONS As a consumer, you should expect to be treated fairly and honestly by the businesses you buy from. You should also feel confident when you make a purchase. FCNB is New Brunswick’s consumer protection watchdog. Through licensing, regulation, enforcement, and administration, we help maintain a fair marketplace while educating consumers and businesses about their rights and responsibilities.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs. MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. PENSION TRANSFERS AND WITHDRAWALS If you leave a job and end your membership in a pension plan before retirement, you have the choice to keep any vested pension funds you have accumulated held in the pension, or to have the value transferred to another pension plan, to a locked-in retirement savings arrangement, or to have a deferred life annuity purchased for you. Vesting in a pension plan occurs at a minimum on five years of INSURANCE NOTICE: APPROVAL OF STANDARD AUTOMOBILE The Superintendent of Insurance has approved the N.B.P.F. No. 9 standard insurance policy for use by Transportation Network (Ride Sharing) Companies effective 1 March 2021. A Transportation Network Company (TNC) connects passengers with TNC drivers to provide pre-arranged transportation services for compensation, exclusively through a transportation network. NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it CONSUMER PROTECTIONS As a consumer, you should expect to be treated fairly and honestly by the businesses you buy from. You should also feel confident when you make a purchase. FCNB is New Brunswick’s consumer protection watchdog. Through licensing, regulation, enforcement, and administration, we help maintain a fair marketplace while educating consumers and businesses about their rights and responsibilities.INSURANCE LICENCES
Insurance Licences. Any person who carries on the business of an insurance agent, broker, adjuster, or damage appraiser in New Brunswick, whether or not that person is a resident of the province, must have a valid licence issued under the Insurance Act of New Brunswick. This applies to all insurance business, whether it is donein person, in
NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021.VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs. MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. PENSION TRANSFERS AND WITHDRAWALS If you leave a job and end your membership in a pension plan before retirement, you have the choice to keep any vested pension funds you have accumulated held in the pension, or to have the value transferred to another pension plan, to a locked-in retirement savings arrangement, or to have a deferred life annuity purchased for you. Vesting in a pension plan occurs at a minimum on five years of INSURANCE NOTICE: APPROVAL OF STANDARD AUTOMOBILE The Superintendent of Insurance has approved the N.B.P.F. No. 9 standard insurance policy for use by Transportation Network (Ride Sharing) Companies effective 1 March 2021. A Transportation Network Company (TNC) connects passengers with TNC drivers to provide pre-arranged transportation services for compensation, exclusively through a transportation network. BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment. SECURITIES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES The Securities Division administers the Securities Act through the regulation and oversight of registrants, securities issuers, and self-regulatory organizations. It reviews offering documents, continuous disclosure documents, and exemption applications to PENSIONS AND RETIREMENT There are many ways to save for retirement, including various pension plans. Some of these pension plans apply to all New Brunswickers, and are operated by the Canadian government. Others are benefits that some employers offer their employees. If your employer does not offer a pension plan, you should consider alternative ways to save for retirement—such as RRSPs or other investments. MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time.REPORTING FRAUD
Report fraud immediately using the FCNB “Submit a Complaint” tool. It will accept your report, or point you to the proper organization for your report—depending on the type of fraud you’ve experienced. Report it no matter what If you’re a victim of fraud or suspect you may be, report it immediately. If you’re seeking compensation, it’s important to file a complaint as quickly as CRYPTO ASSETS AND CRYPTOCURRENCY What are Crypto Assets? Crypto assets are purely digital assets that use public ledgers over the internet to prove ownership. They use cryptography, peer-to-peer networks and a distributed ledger technology (DLT) – such as blockchain – to create, verify and secure transactions. They can have different functions and characteristics: they may be used as a medium of exchange; a way tostore
COOPERATIVES
The Financial Institutions Division is responsible for the regulation and the incorporation of cooperatives in the province, according to the Cooperatives Act of New Brunswick. Before starting your cooperative, you may want to consult with professional advisors SELLING REAL ESTATE IN NEW BRUNSWICK Selling real estate: Good things to know. Selling real estate—in New Brunswick that’s most often a home—is a big transaction. You’ll want to be sure that your finances, your home, and your schedule are in order. It can be complicated and time-consuming, so most people who sell a home in New Brunswick do it with the help of an agent. REAL ESTATE PORTAL QUICKSTART GUIDE 1 Introduction This is a quickstart guide for real estate salesperson, manager or agent users of the FCNB Portal (https://portal.fcnb.ca). It provides a brief introduction to the main features of the portal as it PORTAL PENSIONS USER GUIDE 2 Introduction This is a guide to using the online portal of the Financial and Consumer Services Commission (FCNB) for Pensions andrelated filings.
NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it SECURITIES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICESBC SECURITIES COMMISSIONCALIFORNIA SECURITIES COMMISSIONCANADA SECURITIES COMMISSIONCANADA SECURITIES COMMISSIONSECURITIES COMMISSION OF THE BAHAMASSECURITY COMMISSION MALAYSIA The Securities Division administers the Securities Act through the regulation and oversight of registrants, securities issuers, and self-regulatory organizations. It reviews offering documents, continuous disclosure documents, and exemption applications to NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021. PENSIONS AND RETIREMENT MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. GUIDE TO BUYING A HOME IN NEW BRUNSWICK For most people in New Brunswick, a home is the largest single purchase or investment they will make. So it’s important to fully understand, and think through, every stage of the purchase decision—from finding the right house at the right price, to finding the right mortgage at the right rate, to finding the best insurancefor your needs.
PENSION TRANSFERS AND WITHDRAWALS If you leave a job and end your membership in a pension plan before retirement, you have the choice to keep any vested pension funds you have accumulated held in the pension, or to have the value transferred to another pension plan, to a locked-in retirement savings arrangement, or to have a deferred life annuity purchased for you. Vesting in a pension plan occurs at a minimum on five years of INSURANCE AGENT LISTING · FCNB PORTALFNCB ONLINE BANKING SIGN IN Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Expertise from the subject matter experts at New Brunswick’s Financial and Consumer Services Commission. FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. SIGN IN · FCNB PORTALSIGN IN · FCNB PORTALFORGOT YOUR PASSWORDHOMEHELPVIEW OUR GUIDESREQUEST SUPPORT Sign In. ©2016 FCNB. Help and support: Consult our FAQ | Submit asupport request.
UNCLAIMED PROPERTY
Unclaimed Property. It’s money that could be yours. Every year, thousands of dollars go unclaimed in New Brunswick, forgotten in credit union accounts, uncashed cheques, security deposits and more. Under new legislation, New Brunswick businesses and entities holding this money will work with FCNB to return it SECURITIES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICESBC SECURITIES COMMISSIONCALIFORNIA SECURITIES COMMISSIONCANADA SECURITIES COMMISSIONCANADA SECURITIES COMMISSIONSECURITIES COMMISSION OF THE BAHAMASSECURITY COMMISSION MALAYSIA The Securities Division administers the Securities Act through the regulation and oversight of registrants, securities issuers, and self-regulatory organizations. It reviews offering documents, continuous disclosure documents, and exemption applications to NEW BRUNSWICK LIF MAXIMUM YEAR 2021 New Brunswick LIF Maximum Year 2021 Please find below a table for the maximum percentage for annual withdrawals from a Life Income Fund (LIF) in New Brunswick, during the year, 2021. PENSIONS AND RETIREMENT MORTGAGES | NEW BRUNSWICK FINANCIAL AND CONSUMER SERVICES Mortgages—the fundamentals A mortgage is a loan that can help you finance the purchase of your home. Technically speaking, a mortgage is a legal agreement in which property is used as security for the repayment of a loan. If all of the terms of the mortgage are met, the borrower will own the property outright by the end of the specified period—usually 25 years, but it could be less time. GUIDE TO BUYING A HOME IN NEW BRUNSWICK For most people in New Brunswick, a home is the largest single purchase or investment they will make. So it’s important to fully understand, and think through, every stage of the purchase decision—from finding the right house at the right price, to finding the right mortgage at the right rate, to finding the best insurancefor your needs.
PENSION TRANSFERS AND WITHDRAWALS If you leave a job and end your membership in a pension plan before retirement, you have the choice to keep any vested pension funds you have accumulated held in the pension, or to have the value transferred to another pension plan, to a locked-in retirement savings arrangement, or to have a deferred life annuity purchased for you. Vesting in a pension plan occurs at a minimum on five years of INSURANCE AGENT LISTING · FCNB PORTALFNCB ONLINE BANKING SIGN IN Insurance Agent Listing. Below is a list of persons currently licensed under the Insurance Act. To view details for a particular person, click the details button to the right of the person’s listing. To sort by column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the Search box and FCNB SELF-SERVE PORTAL FCNB Self-Serve Portal. This portal is a simple and efficient way to apply for licensing or registration and make filings for various sectors regulated by FCNB. If you’re not familiar with this portal, first read our Portal Basics page. The FCNB Portal help page features resources to guide you through the various aspects of using our portal CONSUMER PROTECTIONS As a consumer, you should expect to be treated fairly and honestly by the businesses you buy from. You should also feel confident when you make a purchase. FCNB is New Brunswick’s consumer protection watchdog. Through licensing, regulation, enforcement, and administration, we help maintain a fair marketplace while educating consumers and businesses about their rights and responsibilities. BUYING A VEHICLE IN NEW BRUNSWICK Buying a new (or new-to-you) vehicle is a major purchase and an exciting experience often wrapped up in a surprising amount of emotion. For many people, their vehicle is more than a tool to get from A to B. They’re often an expression of personal style, a bit of a status symbol, and represent freedom. Of course, it’s important to remember that’s it’s also a major financial commitment. PENSIONS AND RETIREMENT There are many ways to save for retirement, including various pension plans. Some of these pension plans apply to all New Brunswickers, and are operated by the Canadian government. Others are benefits that some employers offer their employees. If your employer does not offer a pension plan, you should consider alternative ways to save for retirement—such as RRSPs or other investments.PENSION FORMS
Financial and Consumer Services Commission. 225 King Street, Suite 200. Fredericton, NB E3B 1E1. FCNB also provides prescribed forms under the Pension Benefits Act to be submitted to third parties. Some of the forms require that the signature be notarized prior to submitting the form. Please note that the signature may be takenbefore a
VEHICLE OWNERSHIP
The decision to purchase a vehicle is a big financial commitment. The cost of owning a vehicle does not end when the sticker price is paid. You also need to consider regular maintenance such as oil changes, repairs, registration, insurance, inspections, fuel, parking, and other related costs. GUIDE TO BUYING A HOME IN NEW BRUNSWICK For most people in New Brunswick, a home is the largest single purchase or investment they will make. So it’s important to fully understand, and think through, every stage of the purchase decision—from finding the right house at the right price, to finding the right mortgage at the right rate, to finding the best insurancefor your needs.
PROPOSED RULES AND CHANGES Following are the proposed rules and changes currently out for comment—organized by industry. If you wish to be notified when information becomes available for each sector, please subscribe to receive email updates for regulatory notices. CAREER OPPORTUNITY: SUMMER STUDENT Your career at FCNB is enriched with daily opportunities to learn, innovate, and grow professionally in a supportive, stimulating, and flexible workplace. We offer a competitive total compensation package and exciting opportunities for professional development. We support our employees in maintaining their professional designations and provide technical updates on a continual LIST OF LIRAS, LIFS & ANNUITIES · FCNB PORTAL List of LIRAs, LIFs & Annuities. Below is a list of financial institutions authorized to sell respective contracts under the Pensions Benefits Act (S.N.B. 1987). To sort by a column, click on the applicable heading for the column to be sorted. To search the list, enter a search term in the search box. To filter for one type ofcontract, enter
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UNCLAIMED PROPERTY
REGULATED INDUSTRIES FCNB is responsible for the regulation and enforcement of securities, insurance, pensions, credit unions, trust and loan companies, co-operatives, mortgage brokers, pay day lenders, real estate and a wider range of other consumer legislation. We regulate 34,000 industry participants who make their living working with New Brunswickers’ money. These industry participants handle more than $30 billion of New Brunswick consumers’ money. Questions about your industry’s regulations and legislation? Proposed rule changes? Looking for bulletins and notices? If you operate a business in, or work in, one of these regulated industries, here’s where you’ll find answers. -------------------------FOR INDIVIDUALS
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Securities Regulatory Instruments COVID-19: Latest regulatory developments in response to COVID-19. Readmore.
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BEWARE OF COVID-19 SCAMS Fraudsters and scammers have found ways to exploit the COVID-19 pandemic. Recognize the red flags.Learn More
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The Canadian Securities Administrators has extended their comment period until July 20 on proposed changes to tackle financial exploitation and diminished mental capacity of older and vulnerableclients.
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