Mortgage brokerage Professional Development Units - PDUs

Professional development is compulsory for representatives wishing to maintain a right to practise issued by the AMF.

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Representatives who do not comply with this requirement may have their right to practise suspended in the sector or sector class for which they are non-compliant.

Obligation to complete PDUs

The purpose of professional development activities is to enable you to maintain and build your knowledge, skills and abilities associated with mortgage broker activities.

In order to meet AMF requirements for mortgage brokerage, you must take part in training activities during each reference period. The reference period runs for 24 months (2 years).

  • Current AMF reference period: May 1, 2024 to April 30, 2026
  • Next AMF reference period: May 1, 2026 to April 30, 2028

Guide for mortgage brokers and responsible officers

For detailed information about the compulsory professional development requirements and how the AMF manages professional development activities, refer to the Guide for mortgage brokers and responsible officers (2024-2026) (pdf - 668 KB)This link will open in a new windowUpdated on July 5, 2022Compulsory professional development in mortgage brokerage – Guide for mortgage brokers and responsible officers (2020-2022)

The rules relating to professional development are set out in the Regulation respecting the compulsory professional development of mortgage brokers This link will open in a new window.

Consult the reference table to find out the number of PDUs required according to the broker's right to practice.

Certificate suspension

Professional development is compulsory for representatives wishing to maintain a right to practise issued by the AMF. Representative who do not comply with this requirement may have their right to practise suspended in the sector or sector class for which they are non-compliant.

The reference periods for accumulating PDUs are as follows:

  • Current period:
    May 1, 2024 to April 30, 2026
  • Next period:
    May 1, 2026 to April 30, 2028

Suspension procedure

If, in the days following the end of the period, you still have not complied with your professional development requirements, a notice preceding issuance of a decision suspending your right to practise will be sent to you 15 days prior to the suspension of your certificate.

You can avoid suspension by:

  • accumulating the missing PDUs before the time period given in the notice preceding issuance of a suspension decision expires
  • submitting an application to withdraw from a sector. The application must be submitted by you and processed by the AMF before the suspension date. If you want to practise in the mortgage brokerage sector again, you will have to apply for reinstatement

If you wish to contest your suspension

You may send your observations and documents to the AMF within 15 days following the date of the notice preceding issuance of a suspension decision.

Via E-Services:

By mail:

Autorité des marchés financiers
Direction de la certification et de l'inscription
Place de la Cité, tour PwC
2640, boulevard Laurier, 4e étage
Québec (Québec)  G1V 5C1

If, 15 days after the notice preceding issuance of a suspension decision is sent, you still have not complied with your PDU requirements, the AMF will send you a suspension decision. A message will also be sent to the firm you are attached to.

You will be required to cease to act as a representative until the suspension is lifted.

  1. You must complete the missing PDUs.
  2. The AMF lifts the suspension of your certificate on the next business day after your non-compliance with the PDU requirements has been remedied.
  3. The AMF sends a letter to you informing you that the certificate suspension has been lifted. A copy is also sent to the firm you’re attached to.