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  <loc>http://bcfsa.ca/about-us/news/consumer-alert/update-information-landlord-tenant-and-other-clients-regarding-rescinded-order-urgent-circumstances</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/real-estate-developer-and-director-ordered-pay-nearly-100k-failing-file-disclosure-statement-and</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/new-resource-launched-explain-deposit-insurance</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/real-estate-licensee-suspended-forging-signatures</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/unregistered-mortgage-broker-and-associated-companies-ordered-pay-33500-unauthorized-operations</loc>
  <lastmod>2024-09-11T10:10:51-07:00</lastmod>
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  <loc>http://bcfsa.ca/about-us/news/news-release/real-estate-licensee-issued-suspension-and-14k-fine-providing-false-and-misleading-information-bcfsa</loc>
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  <loc>http://bcfsa.ca/about-us/news/blog/real-estate-inspection-and-appraisal-services</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/bcfsa-issues-200k-penalties-real-estate-licensees-failing-disclose-information-clients</loc>
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  <loc>http://bcfsa.ca/about-us/news/news-release/celebrate-pension-awareness-day-on-february-20</loc>
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  <loc>http://bcfsa.ca/about-us/news/blog/bcfsa-launches-redma-pilot-program-large-developments</loc>
  <lastmod>2025-02-27T09:46:16-08:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-registrations</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-mortgage-broker-regulatory-information/archive-mortgage-broker-regulatory-advisories</loc>
  <lastmod>2026-10-14T14:28:31-07:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-mortgage-broker-regulatory-information/archive-mortgage-broker-regulatory-statements</loc>
  <lastmod>2026-10-14T14:30:52-07:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-mortgage-broker-fee-schedule</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-mortgage-broker-regulatory-information/archive-mortgage-broker-regulatory-guidelines</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-mortgage-brokers-forms</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-continuing-education-mortgage-brokers</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-criminal-record-check-mortgage-brokers</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-brokers-act-archive/archive-legal-update-mortgage-brokers</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/registrations/education-and-registration/becoming-principal-broker</loc>
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 <url>
  <loc>http://bcfsa.ca/industry-resources/mortgage-broker-resources/registrations/education-and-registration/renewing-license-under-mortgage-services-act</loc>
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 </url>
 <url>
  <loc>http://bcfsa.ca/public-resources/mortgage-brokers/find-mortgage-broker/find-individual</loc>
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 <url>
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 <url>
  <loc>http://bcfsa.ca/public-resources/mortgage-brokers/find-mortgage-broker/find-mortgage-brokerage-by-location</loc>
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 <url>
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 <url>
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 <url>
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 <url>
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 <url>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/application-by-credit-union-consent-transfer-incorporation-british-columbia</loc>
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 <url>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/transition-education-requirements</loc>
  <lastmod>2026-10-05T10:18:22-07:00</lastmod>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/application-real-estate-services-act-non-profit-housing-organizations</loc>
  <lastmod>2025-10-07T13:09:34-07:00</lastmod>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/required-form-and-content-licence-applications</loc>
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  <priority>0.5</priority>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/transition-required-form-and-content-licence-applications</loc>
  <lastmod>2025-12-17T16:55:06-08:00</lastmod>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/2026-real-estate-brokerage-data-call-requirements</loc>
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  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/established-filing-requirements-extraprovincial-trust-corporations-authorized-bc</loc>
  <lastmod>2026-05-27T10:33:26-07:00</lastmod>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/mortgage-services-education-requirements-previously-licensed-individuals</loc>
  <lastmod>2026-02-12T15:04:05-08:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/mortgage-services-teams</loc>
  <lastmod>2025-12-18T14:09:35-08:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/transition-education-requirements-previously-exempted-persons-under-mba</loc>
  <lastmod>2026-02-12T15:03:33-08:00</lastmod>
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 <url>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/naming-personal-mortgage-corporation</loc>
  <lastmod>2026-01-22T11:36:04-08:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/credit-unions-issuing-equity-shares-non-members</loc>
  <lastmod>2026-03-03T11:09:51-08:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/conditions-and-restrictions-on-licenses-upon-transition</loc>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/principal-broker-absences</loc>
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  <loc>http://bcfsa.ca/regulatory-statement/mortgage-broker-reporting-requirements</loc>
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 <url>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/content-requirements-mortgage-administration-service-agreements</loc>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/cudic-deposit-data-requirements</loc>
  <lastmod>2026-07-02T10:29:49-07:00</lastmod>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/capital-adequacy-return-car</loc>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/financial-and-statistical-return-fsr</loc>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/disclosures-conflict-interest</loc>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/disclosures-disclosure-remuneration</loc>
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  <loc>http://bcfsa.ca/regulatory-statement/disclosures-information-statement-lender</loc>
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  <loc>http://bcfsa.ca/regulatory-statement/disclosures-representation-and-forms-packages</loc>
  <lastmod>2026-07-15T12:02:42-07:00</lastmod>
  <priority>0.5</priority>
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 <url>
  <loc>http://bcfsa.ca/regulatory-statement/filing-requirements-annual-market-conduct-practices-report-bc-authorized-insurers</loc>
  <lastmod>2026-09-21T11:42:20-07:00</lastmod>
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 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/labour-mobility-requirements-mortgage-services-licensing</loc>
  <lastmod>2026-08-12T16:51:08-07:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/mortgage-services-licensing-education-waivers</loc>
  <lastmod>2026-08-12T16:51:12-07:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/regulatory-statement/educational-requirements-new-licence-or-licence-renewal-0</loc>
  <lastmod>2026-09-15T09:05:37-07:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/industry-resources/real-estate-professional-resources/knowledge-base/toolkits/guide-disclosure-risks-unrepresented-parties-form</loc>
  <lastmod>2023-12-07T11:08:20-08:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>http://bcfsa.ca/industry-resources/real-estate-professional-resources/knowledge-base/toolkits/guide-disclosure-sellers-expected-remuneration-form</loc>
  <lastmod>2023-12-07T10:57:34-08:00</lastmod>
  <priority>0.5</priority>
 </url>
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  <loc>http://bcfsa.ca/industry-resources/real-estate-professional-resources/knowledge-base/toolkits/guide-agreement-regarding-conflict-interest-between-clients-form</loc>
  <lastmod>2023-12-07T11:14:56-08:00</lastmod>
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