Publication of Regulatory Actions

1. Introduction

As the regulator for B.C.’s financial services sector, BCFSA takes Regulatory Actions, including issuing Notices of Hearing and Decisions, as needed.

The publication of Regulatory Actions on the BCFSA website, or in reports or publications distributed publicly, supports transparency, compliance in the financial services sector, and the effectiveness of related disciplinary processes. Any such publication will be in accordance with the provisions of applicable legislation, regulations, and rules.

2. Purpose

The purpose of this Administrative Process is to describe when and how BCFSA publishes Regulatory Actions, including Notices of Hearing and Decisions, on the BCFSA website, or in reports or publications distributed publicly.

3. Definitions

“BCFSA” means the BC Financial Services Authority, established under the

Financial Services Authority Act.

“BCFSA Legislation” means the following legislation administered and enforced by BCFSA:

• CUIA;
• FIA;
• FSAA;
• IA;
• ICCA;
• MBA;
• PBSA;
• RESA;
• REDMA; and
• SPA.

“CanLII” means the Canadian Legal Information Institute website.

“CIRDA” means the Canadian Insurance Regulators Disciplinary Actions website.

“Decision” means a decision, direction, order or ruling (or reconsideration of a decision, direction, order or ruling), or a summary thereof, including reasons where available, made by the Registrar or Superintendent that determines, assesses, imposes, or revises, as applicable:

• liability for non-compliance with regulatory requirements;
• penalties for non-compliance with regulatory requirements;
• suitability for licensing or registration;
• orders in urgent circumstances respecting licence conditions and suspensions;
• orders to freeze property;
• a claim for compensation from the special compensation fund under RESA;
• costs; and/or
• conditions and restrictions on licensing or registration.

“FIA” means the Financial Institutions Act.

“FOIPPA” means the Freedom of Information and Protection of Privacy Act.

“FSAA” means the Financial Services Authority Act.

“FST” means the Financial Services Tribunal under the Financial Institutions Act.

“IA” means the Insurance Act.

“ICCA” means the Insurance (Captive Company) Act.

“MBA” means the Mortgage Brokers Act.

“Notice of Hearing” means a notice, issued by the Registrar or Superintendent, of a hearing to be conducted under BCFSA Legislation.

“PBSA” means the Pension Benefits Standards Act.

“Personal Information” has the meaning given to that term in FOIPPA.

“REDMA” means the Real Estate Development Marketing Act.

“RESA” means the Real Estate Services Act.

“Registrar” means the Registrar of Mortgage Brokers, or their delegate.

“Regulatory Action” means action taken by the Registrar or Superintendent under BCFSA Legislation:

• with respect to non-compliance with regulatory requirements;
• in response to a request for a hearing by an applicant for licensing or registration to determine suitability for licensing or registration, or to vary or rescind an order in urgent circumstances or property freeze order; or
• in response to a claim for compensation from the special compensation fund under RESA,

and includes, among other things,

• the issuance of a Notice of Hearing,
• a Decision,
• the acceptance of an undertaking,
• the entering into of a voluntary compliance agreement, or
• an alternative complaint disposition (for example, a letter of advisement).

“SPA” means the Strata Property Act.

“Superintendent” means the Superintendent of Financial Institutions, the Superintendent of Real Estate, and/or the Superintendent of Pensions, as applicable, or their respective delegates.

“Third Party” means a person that is not the subject of the relevant Regulatory Action, including a Third Party Participant, but not including a BCFSA-regulated entity that employed or engaged a person that is the subject of the relevant Regulatory Action at the time of the conduct in question.

“Third Party Participant” means a Third Party whois alleged, or has been found, to have collaborated in or facilitated the non-compliance with BCFSA Legislation that is the subject of a Regulatory Action.

4. General

All individuals who engage in program and service delivery for BCFSA should ensure they are familiar with this Administrative Process and that the guiding principles are followed when determining how Regulatory Actions, including Notices of Hearing and Decisions, are published.

Authority

This Administrative Process is intended to align with authorities set out in BCFSA Legislation.

BCFSA Legislation differs across the segments included in the B.C. financial services sector. Segment-specific information and requirements are set out in section 7.

Freedom of Information and Protection of Privacy Act

Some of the Regulatory Actions published by BCFSA will include personal information, as defined in FOIPPA. FOIPPA permits the disclosure of personal information only in certain circumstances, including:

• Where the disclosure, in respect of a licence, a permit, or any other similar discretionary benefit reveals the beneficiary’s name, discretionary benefit granted, duration, and any applicable conditions or restrictions;
• For the purpose for which the information was obtained or compiled, or for a use consistent with that purpose within the meaning of consistent purpose;
• Where the Third Party has consented, in writing, to the disclosure of their personal information;
• Where the disclosure is made in accordance with an enactment of British Columbia or Canada that authorizes or requires the disclosure;
• Where the information is made available to the public under an enactment that authorizes or requires the information to be made public; or
• For the purposes of licensing, registration, insurance, investigation, or discipline of persons regulated by governing bodies of professions or occupations.

Investigation Information

BCFSA does not generally publish information about an investigation that is closed with no resulting Regulatory Action. BCFSA also does not publish information about an investigation while it is ongoing, unless there is an imminent risk of harm to the public (e.g., order in urgent circumstances, freeze order). This is because:

• Confidentiality reduces the risk that an investigation may be compromised if disclosure is made before the investigation is complete; and
• Confidentiality also minimizes potential harm to the reputations of those to whom the investigation relates if no enforcement action is taken.

Publication in Reports, Databases, or Media Releases

In accordance with this Administrative Process, BCFSA may publish Regulatory Actions including Notices of Hearing and Decisions on its website, or in reports or publications distributed publicly.

Many Decisions published on the BCFSA website, or in reports or publications distributed publicly, are concurrently published on CanLII. Decisions relating to the insurance company segment are also published on CIRDA. CanLII and CIRDA are publicly available and searchable for free, contributing to open and transparent access to jurisprudence in Canada. All Decisions and other Regulatory Actions published on CanLII and CIRDA are subject to CanLII’s and CIRDA’s respective policies and procedures.

Where Regulatory Actions are published on the BCFSA website, or in reports or publications distributed publicly, third parties, such as internet search engines, media outlets and private individuals, often index and/or copy that content for the purposes of reposting on other websites or making the information available through internet searches. BCFSA does not control the availability of content published on other websites, or the duration of any search engine’s reporting of that content.

BCFSA may also issue a media release, place a paid advertisement, and use other methods of publication and notification when it determines that such actions would be in the public interest, including but not limited to a lengthy suspension, large fine, licence cancellation, order in urgent circumstances, or order to freeze property. The Communications Team is accountable for overseeing any enhanced publication measures that BCFSA may take in relation to a Regulatory Action including providing statements to media or making BCFSA staff available to speak to media.

5. Guiding Principles

BCFSA will consider the following guiding principles when determining how information regarding Regulatory Actions should be published.

I. A consistent and clear approach enhances fairness.

• A clear, consistent, and public approach to the publication of Regulatory Actions ensures that regulated segments know in advance when and how enforcement information will be made public and ensures that regulated entities and individuals are treated consistently and fairly.

II. Publication promotes transparency and accountability within regulated segments.

• Regulated segments will have a greater understanding of legal and compliance obligations, as well as potential consequences for failing to meet them. Transparency promotes accountability by ensuring the public and the regulated segment are aware of potential Regulatory Action, which can also act as a general deterrent to misconduct.

III. Publication promotes public confidence in the financial services sector and in BCFSA as a modern, effective, and efficient regulator.

• Public confidence is enhanced when there is knowledge and understanding that legal requirements for the financial services sector are enforced, appropriate actions are taken, and appropriate penalties are assessed for non-compliance.

IV. Transparency and accountability must be balanced with the privacy of individuals and the protection of personal information.

• While publicizing Regulatory Actions serves a strong purpose in ensuring that the public and regulated segments are aware of obligations and potential consequences, there are also privacy considerations for protecting the personal information of individuals. At all times, privacy legislation and guidance must be considered when publicizing Regulatory Actions.

6. Publication of Regulatory Actions

The publication of Regulatory Actions, including Notices of Hearing and Decisions, is subject to the following:

• Any segment-specific practices (see section 7); and
• Any redaction or anonymization made in accordance with Appendix A: Redaction Guidelines.

As a general practice across the financial services sector, BCFSA will make the following information publicly available and searchable on the BCFSA website or in reports or publications distributed publicly:

• Notices of Hearing

Unless the Registrar or Superintendent orders otherwise, BCFSA hearings are open to the public and Notices of Hearing are published on the BCFSA website.

• For more information on public attendance at hearings, please see the BCFSA website: https://www.bcfsa.ca/public-protection/hearings.
• A Notice of Hearing will be removed from the BCFSA website once the matter has been disposed of through withdrawal/discontinuance, by a hearing, or by consent.

• Decisions, whether resulting from a hearing, made by consent, or uncontested, including, but not limited to:

• Discipline orders;
• Registration and compliance orders;
• Orders in urgent circumstances; and
• Administrative penalties.

The above Decisions will generally be published in perpetuity. However, BCFSA retains discretion to individually assess publication according to the criteria below.

Subject to the discretion of the Registrar or the Superintendent or their respective delegates, BCFSA will generally not publish Regulatory Actions relating to alternative complaint dispositions (for example, letters of advisement).

Where necessary, published documents are redacted to remove certain information before posting online (see Appendix A for Redaction Guidelines).

Commonly redacted information includes:

• Personal Information of Third Parties (e.g., witnesses), except Third Party Participant Personal Information disclosed under certain circumstances;
• Bank account details of both individuals and businesses; and
• Property addresses or other property identifiers.

There may be exceptional circumstances where BCFSA, licensees, registrants, or Third Parties have identified a concern with the publication or non-publication of a Regulatory Action. In these circumstances, BCFSA will take an approach that promotes public transparency but weighs the benefits of transparency with any potential harm. When making discretionary decisions about publication, the Registrar or the Superintendent, or their respective delegates will consider the following:

• To what extent is there a public interest benefit to transparency (e.g., accountability, specific or general deterrence)?
• Are there any potential harms in publication that could not be mitigated through redaction or anonymization (e.g., harm to personal privacy or to a Third Party’s interests, or undue prejudice to a party or a witness)?
• Would publication reduce or enhance the efficacy of a particular Regulatory Action?
• Would publication impact procedural fairness?
• Has the matter been resolved with the reasonable expectation of the parties that the resolution will not be made public?

Subject to requirements under legislation, as part of exercising its discretion, BCFSA may decide:

• To publish information to either the general public or to specific segment participants;
• To release full or redacted information, including information about Third Parties;
• To delay publication of information if publication may impact procedural fairness in a separate matter; or
• Not to publish any information.

Discretionary decisions about publication (e.g., redaction or anonymization) will be made by the Superintendent or Registrar, or their delegates. Where an oral or written hearing was held before a BCFSA Hearing Officer, including a hearing for a reconsideration of administrative penalties, the Hearing Officer who presided over the matter is the delegate who will make decisions about publication where possible, subject to direction by the Registrar or Superintendent.

7. Segment-Specific Policies and Practices

This section sets out the segment-specific policies and practices. For more detail on segment specific timelines for publication, see Appendix B.

As set out in section 6, above, where necessary, published documents are redacted to remove certain information before posting online in accordance with the Redaction Guidelines in Appendix A, subject to the discretion of the Registrar, the Superintendent, or their delegates.

Financial Institutions (and Related)

A. Decisions

In the credit union, insurance company, and trust company segments, BCFSA publishes Decisions made under the following provisions of the FIA and the ICCA:

• Penalties for offences (FIA, s. 253);
• Administrative penalties (FIA, s. 253.1);
• Cease orders (FIA, s. 244);
• Orders to freeze property (FIA, s. 245);
• Compliance orders (FIA, s. 246);
• Valuation orders (FIA, s. 247);
• Revocation of business authorization (FIA, ss. 249, 250 – published in Gazette); and
• Notice of conditions, suspension, revocation, refusal to renew, or cancelation (ICCA, s. 11 – published in Gazette).

Per section 6 of this Administrative Process, the foregoing Decisions will be published in perpetuity on the BCFSA website and on CanLII. Decisions relating to the insurance company segment will also be published on CIRDA.

B. Voluntary Compliance Agreements, Undertakings, and Other Enforcement Agreements

BCFSA generally publishes Regulatory Actions taken under the following provisions of the FIA that include consumer-facing market conduct-related concerns or non-compliance with the FIA or CUIA:

• Voluntary compliance agreements (FIA, s. 244);
• Undertakings (FIA, ss. 208 and 244(2)(g)); and
• Other enforcement agreements (FIA, s. 208).

The foregoing agreements and undertakings will be published in perpetuity on the BCFSA website, on CanLII, and, if relating to the insurance company segment, on CIRDA.

Voluntary compliance or other agreements and undertakings made to prevent or rectify potential non-compliance with the FIA or CUIA, rather than to address actual non-compliance, are generally not published. BCFSA’s approach may vary depending on whether the entity that is a party to the agreement, or providing the undertaking, holds a business authorization from BCFSA.

C. Charges and Expenses of Adjusting a Loss Under an Insurance Policy

Subject to the discretionary approach, BCFSA will generally not publish Decisions relating to charges and expenses of adjusting a loss under an insurance policy (IA, s. 147).

Mortgage Brokers

Section 8 of the Mortgage Brokers Regulation states that every direction, decision, order or ruling of the Registrar refusing registration, refusing to renew registration, suspending registration, or cancelling registration shall be made in writing and shall be open to public inspection.

Per section 6 of this Administrative Process, the following Decisions will be published in perpetuity on the BCFSA website and on CanLII:

• Directions on freezing of trust funds (MBA, s. 7);
• Orders relating to compliance (MBA, s. 8); and
• Orders relating to false, misleading, or deceptive statements (MBA, s. 14).

After appropriate redactions, which will generally include anonymization, BCFSA will generally publish the following Decisions due to the public interest benefit of transparency:

• Decisions in which an applicant is refused registration (MBA Regulation, s. 8)

Link to Registrant Search

BCFSA will link all orders relating to compliance made under s. 8 of the MBA to the registrant search function on the BCFSA website for the following duration:

• 10 years for orders involving a suspension of registration; and
• 5 years for all other orders.

Where an order has been appealed to the FST, a notation of the appeal will be added to the registrant search along with a link to the FST webpage that tracks active appeals and decisions.

At the end of the above time periods, the orders will be removed from the registrant search function but will otherwise remain on the BCFSA website in accordance with this Administrative Process.

Pension Plans

In the pension plans segment, BCFSA publishes Decisions when the Superintendent takes any of the following actions:

• Specifies by order a date as the effective date of the termination of a pension plan (PBSA, s. 97(4));
• Issues a direction for compliance (PBSA, s. 113(1)(d) or (2));
• Imposes an administrative penalty (PBSA, s. 116);
• Orders the payment of expenses (PBSA, s. 118(2));
• Withdraws a consent to continuation of pension plan despite cessation of benefit accrual and directs termination of a pension plan (PBSA, s. 95(4));
• Directs the termination of a pension plan (PBSA, s. 98);
• Makes an order splitting liabilities and assets of a pension plan (PBSA, s. 129(9)); and
• Issues a notice of reconsideration (PBSA, s. 126).

Per section 6 of this Administrative Process, the foregoing matters will be published on CanLII and in perpetuity on the BCFSA website.

Real Estate Development Marketing

Section 33 of REDMA requires the following Decisions to be published on the BCFSA website:

• Orders (REDMA, s. 30); and
• Orders in urgent circumstances (REDMA, s. 32).

Per section 6 of this Administrative Process, the foregoing Decisions will be published on CanLII and in perpetuity on the BCFSA website.

Subject to the discretionary approach, BCFSA will generally not publish undertakings made under s. 36 of REDMA.

Real Estate Services

Sections 47 and 53 of RESA and section 4.5 of the Real Estate Services Regulations require the following Decisions to be published on the BCFSA website and in any other method the Superintendent considers appropriate:

• Consent orders (RESA, s. 41);
• Discipline orders (RESA, s. 43);
• Orders in urgent circumstances related to licensees (RESA, s. 45);
• Orders to freeze property (RESA, s. 46);
• Orders respecting unlicensed activity (RESA, s. 49); and
• Orders in urgent circumstances relating to unlicensed persons (RESA, s. 51).

Per section 6 of this Administrative Process, the foregoing Decisions will be published on CanLII and in perpetuity on the BCFSA website.

Section 57.1 of RESA enables, but does not require, the Superintendent to publish a copy of a notice of administrative penalty and the reconsideration decision confirming or cancelling the administrative penalty. The Superintendent will generally publish a notice of administrative penalty in which the total penalty is over $2,500, and related reconsideration decisions, on the BCFSA website in perpetuity and on CanLII. A notice of administrative penalty in which the total penalty is $2,500 or less will generally be anonymized and published on the BCFSA website in perpetuity; and related reconsideration decisions will generally be anonymized and published on the BCFSA website in perpetuity and on CanLII.

After appropriate redactions, which will generally include anonymization, BCFSA will generally publish the following Decisions due to the public interest benefit of transparency:

• Qualification hearings decisions in which an applicant is refused a licence (RESA, s. 13); and
• Special compensation hearings decisions (RESA, s. 63).

Subject to the discretionary approach, BCFSA will generally not publish undertakings made under s. 53.1 of RESA.

Link to Licensee Search

BCFSA will link all consent orders, discipline orders, and administrative penalties over $2,500 to the licensee search function on the BCFSA website for the following duration:

• 10 years for orders involving a suspension of licence; and
• 5 years for all other orders and administrative penalties over $2,500.

Where a discipline order has been appealed to the FST, a notation of the appeal will be added to the licensee search along with a link to the FST webpage that tracks active appeals and decisions.

At the end of the above time periods, the orders and administrative penalties will be removed from the licensee search function but will otherwise remain on the BCFSA website in accordance with this Administrative Process.

Appendix A: Redaction Guidelines

As a general rule, Regulatory Actions should be published in their entirety unless one of the exceptions set out in section I or II below applies. Where an exception applies, only the information within the scope of that exception should be redacted.

As noted in section 6, the Registrar, the Superintendent, or their delegates, as applicable, may make discretionary decisions about redaction or anonymization that differ from the general guidelines set out in this Appendix.

I. Review for sensitive personal information.

In general, sensitive personal information of all individuals (including the licensee/registrant/applicant) should be redacted, unless this information is material to the Decision rendered.

Sensitive personal information includes, but is not limited to:

• Race, ethnic origin, sexual orientation, and religion;
• In some circumstances, detailed information about family structure or work history;
• A stigmatized medical condition;
• Financial information, such as social insurance number, credit card information, income, or bank account details;
• Criminal history; and
• A person’s signature.

II. Consider if names and identifiers should be redacted.

Personal Information of Third Parties, other than Third Party Participants, should generally be redacted from each Regulatory Action prior to publication. Personal Information of Third Party Participants is published in the circumstances set out in the table below. Depending on the type of Regulatory Action (for example Notice of Hearing or Decision), it may also be appropriate to redact the Personal Information of the person that is subject to the relevant Regulatory Action (i.e., complete anonymization). See “Publication and Redaction” table below for guidelines as to when complete anonymization may be appropriate.

Personal Information generally means recorded information about an identifiable individual other than business contact information. Personal Information may include, but is not limited to:

• A person’s business address or place of employment (the city and/or province/territory can be left unredacted);
• Email addresses; and
• Social media account names or login information.

III. Redact the information.

Redactions should generally be made using square brackets:

• Redactions of names: use, for example, [Applicant 1], [Corporation 1]; and
• Redactions of information: replace the text you wish to redact with [redacted].

All signatures should also be redacted from published materials and replaced by the person’s name in quotation marks (e.g., “Jane Doe”).

Publication and Redaction

Type of Regulatory Action	Published on Website	Published on CanLII (and CIRDA if applicable)	Redaction Notes
Notices of Hearing	Yes. A Notice of Hearing will be removed from the BCFSA website once the matter has been disposed of through withdrawal/ discontinuance, by hearing, or by consent.	No	Generally, redaction of Third Party Personal Information, other than Personal Information of Third Party Participants.
Administrative Monetary Penalties (AMP) Appeals/ Reconsiderations	Yes (will generally anonymize when total penalties of $2,500 or less).	Yes, as per Website publication.	Redaction of Third Party Personal Information only. Anonymization when total penalty is $2,500 or less.
Interim Decisions (e.g., regarding procedure, etc.)	Yes. These should be published at the same time as the Reasons and should be attached to the Reasons as an appendix.	Yes. These should be published at the same time as the Reasons and should be attached to the Reasons as an appendix.	Redaction of Third Party Personal Information only.
Qualification/ Suitability Hearing	Yes	Yes	Generally, complete anonymization.
Liability Hearing	Yes	Yes	Redaction of Third Party Personal Information, except that Third Party Participant Personal Information will be published where (1) the Third Party Participant is the respondent in a related Decision and (2) there is no related BCFSA investigation or enforcement proceeding against the Third Party Participant that is ongoing or proposed. If Third Party Participant Personal Information has been redacted, redactions may be removed after (1) a related Decision in which the Third Party Participant is a respondent has been issued and (2) any related BCFSA investigation or enforcement proceeding has concluded. Redactions may be removed whether the relevant Decision was published before or after the effective date of this Administrative Process. Discretionary redaction of highly sensitive Personal Information of registrant/licensee and Third Party Participants, if any.
Penalty Hearing	Yes	Yes	Redaction of Third Party names and Personal Information, except that Third Party Participant Personal Information will be published where (1) the Third Part Participant is the respondent in a related Decision and (2) there is no related BCFSA investigation or enforcement proceeding against the Third Party Participant that is ongoing or proposed. If Third Party Participant Personal Information has been redacted, redactions may be removed after (1) a related Decision in which the Third Party Participant is a respondent has been issued and (2) any related BCFSA investigation or enforcement proceeding has concluded. Redactions may be removed whether the relevant Decision was published before or after the effective date of this Administrative Process. Discretionary redaction of highly sensitive Personal Information of registrant/ licensee and Third Party Participants, if any.
Consent Orders	Yes	Yes	Redaction of Third Party Personal Information, except that Third Party Participant Personal Information will be published where (1) the Third Party Participant is the respondent in a related Decision and (2) there is no related BCFSA investigation or enforcement proceeding against the Third Party Participant that is ongoing or proposed. If Third Party Participant Personal Information has been redacted, redactions may be removed after (1) a related Decision in which the Third Party Participant is a respondent has been issued and (2) any related BCFSA investigation or enforcement proceeding has concluded. Redactions may be removed whether the relevant Decision was published before or after the effective date of this Administrative Process. Discretionary redaction of highly sensitive Personal Information of registrant/licensee and Third Party Participants, if any.
Special Compensation Fund (RESA, s. 63)	Yes. These should be published at the same time as the Reasons and should be attached to the Reasons as an appendix.	Yes. These should be published at the same time as the Reasons and should be attached to the Reasons as an appendix.	Generally, complete anonymization. - Parties receive redacted copy. - Compensation Fund receives unredacted copy.
Special Compensation Fund Reasons (RESA)	Yes	Yes	Generally, complete anonymization. - Parties receive redacted copy. - Compensation Fund receives unredacted copy.
Urgent Orders and Orders to Freeze Property	Yes	Yes	Redaction of Third Party Personal Information, except that Third Party Participant Personal Information will be published where (1) the Third Party Participant is the respondent in a related Decision and (2) there is no related BCFSA investigation or enforcement proceeding against the Third Party Participant that is ongoing or proposed. If Third Party Participant Personal Information has been redacted, redactions may be removed after (1) a related Decision in which the Third Party Participant is a respondent has been issued and (2) any related BCFSA investigation or enforcement proceeding has concluded. Redactions may be removed whether the relevant Decision was published before or after the effective date of this Administrative Process. Discretionary redaction of highly sensitive Personal Information of registrant/licensee and Third Party Participants, if any.
Voluntary Compliance Agreements (FIA, s. 244)	Yes	Yes	N/A – No Personal Information included.
Undertakings (FIA, ss. 208 and 244(2)(g))	Yes	Yes	N/A – No Personal Information included.

Appendix B: Publication Timelines

Website Posting Timeline

Segment	Notice of Hearing	Notice of Administrative Penalty	Consent Orders	Order in Urgent Circumstances	Hearing Decisions
Real Estate	After service/ delivery	After Notice of Dispute period (30 days) has lapsed without request for Reconsideration. Otherwise only after penalty upheld, in whole or part, on Reconsideration.	Immediately	Immediately	Immediately
Mortgage Brokers	After service/ delivery	After Service/Delivery	Immediately	Immediately	Immediately
Financial Institutions (Credit Unions, Insurance Companies, and Trust Companies)	After service/ delivery	After 14 Days when Notice of Dispute has lapsed	N/A	N/A	N/A
Pension Plans	After service/ delivery	After 30 Days when Notice of Objection has lapsed	N/A	N/A	N/A

The BCFSA Legal or Compliance and Enforcement Departments send documented Regulatory Actions, such as Notices of Hearing and relevant Decisions, to the BCFSA Communication Team, which posts those documents to the BCFSA website on Wednesday of each week. Where urgency is noted by the Legal or Compliance and Enforcement teams (e.g., urgent orders), documents (including Notices of Hearing or relevant Decisions) may be posted earlier.