Compliance

Brampton court hands three curbsiders 21 convictions and $82,500 in fines for unregistered dealing

A Brampton court convicted Anit Singh, Naaz Autos and Kalsi Motor Wholesale on 21 counts of unregistered dealing (July 7, 2026), with $82,500 in total fines.

MVDA s. 4(1) MVDA s. 27 MVDA s. 32

Trinity Auto Brokers keeps its registration through a LAT consent order: conditions instead of a hearing

A LAT consent order (July 6, 2026) settled OMVIC's proposal against Trinity Auto Brokers and Peter Kinal: conditions, a $35,000 letter of credit, a course.

MVDA s. 6(2) MVDA s. 30 O. Reg. 333/08 s. 31 O. Reg. 333/08 s. 52 O. Reg. 333/08 s. 55

OMVIC's Registrar orders Georgetown Kia to cease and retract advertising that understated its own OMVIC fee

OMVIC's Registrar ordered Georgetown Kia to cease and retract false advertising (July 6, 2026) over a $10 OMVIC fee and $100 gas fee added by pop-up.

MVDA s. 28 MVDA s. 29 MVDA s. 9(2) O. Reg. 333/08 s. 36(7)

LAT tells OMVIC to drop proposed conditions on Olschewski after employee fraud sank his dealership

Ontario's LAT ordered the Registrar not to impose six years of conditions on Christopher Olschewski's salesperson registration. Full appellant win.

MVDA s. 6(1)(a)(i) MVDA s. 6(1)(a)(iii) MVDA s. 6(4) MVDA s. 9(5)

OMVIC's Registrar orders CarHub North York Chrysler to cease false advertising over hidden finance fees

OMVIC's Registrar ordered CarHub North York Chrysler to cease false advertising (June 16, 2026) over an $850 finance fee and a $2,350 cash surcharge.

MVDA s. 28 MVDA s. 29 MVDA s. 9(2) O. Reg. 333/08 s. 36(7)

LAT grants Pourtehrani a salesperson registration with conditions after a refusal

Ontario's LAT denied OMVIC's proposal to refuse Ali Mahmood Pourtehrani's salesperson registration, granting it with one year of conditions instead.

MVDA s. 6(1)(a)(ii) MVDA s. 6(1)(a)(iii) MVDA s. 8 MVDA s. 9(5) MVDA s. 4(1)(a) MVDA s. 4(5) MVDA s. 26 MVDA s. 27

OMVIC fines Guelph Hyundai $9,000 for unregistered sales, hidden rental history, and added fees

OMVIC fined Guelph Hyundai $9,000 (May 27, 2026) for unregistered sales, undisclosed daily-rental vehicles, and fees added above the advertised price.

MVDA s. 4(3) Code of Ethics s. 4(2) Code of Ethics s. 5 Code of Ethics s. 6(2) Code of Ethics s. 9(3) O. Reg. 333/08 s. 36(7) O. Reg. 333/08 s. 36(5)

OMVIC fines Impact Auto Auctions $6,500 over a contradictory odometer disclosure

OMVIC fined Impact Auto Auctions $6,500 (May 27, 2026) after it listed a Ford F-350's odometer as Actual while a history report showed a far higher reading.

Code of Ethics s. 4(2) Code of Ethics s. 9(3) O. Reg. 333/08 s. 46

OMVIC fines Orillia Kia $3,000 for selling a demo Telluride as new with a misdated warranty

OMVIC fined Orillia Kia $3,000 (May 27, 2026) after a demo Kia Telluride with 8,232 km was sold as new, misstating the extended warranty's real start date.

Code of Ethics s. 6(2) Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(3) O. Reg. 333/08 s. 40(2) O. Reg. 333/08 s. 42

OMVIC fines Rite Price Auto Sales $8,000 over two total-loss vehicles sold without disclosure

OMVIC fined Rite Price Auto Sales $8,000 on May 27, 2026 for selling two total-loss vehicles without disclosing their history on the buyers' bills of sale.

Code of Ethics s. 4(1) Code of Ethics s. 4(2) Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(3) Code of Ethics s. 9(4) Code of Ethics s. 6(2) O. Reg. 333/08 s. 40(2) O. Reg. 333/08 s. 42

OMVIC fines Stouffville Hyundai $3,500 after a handwritten quote added $262 to the advertised price

OMVIC fined ZAG (Whitville) Sales Limited o/a Stouffville Hyundai $3,500 (May 27, 2026) after a mystery shop quote stacked four fees onto the advertised price.

Code of Ethics s. 4(2) Code of Ethics s. 6(1) Code of Ethics s. 6(2) Code of Ethics s. 9(1) Code of Ethics s. 9(3) O. Reg. 333/08 s. 36(7)

LAT dismisses Compensation Fund claim because a loan refinancing is not a trade

The Ontario LAT dismissed Matthew Hurry's $29,235 Compensation Fund claim on May 25, 2026, ruling that a Jeep refinancing gone wrong was not a trade in a motor vehicle under s. 79(1)(a) of O. Reg. 333/08.

O. Reg. 333/08 s. 79(1)(a) (Entitlement to compensation) O. Reg. 333/08 s. 79(4)(d) (Disentitlement, complicity) O. Reg. 333/08 s. 85 (Hearing by Tribunal) MVDA s. 1 (definition of trade)

OMVIC issues second public warning on Andy Boston Motors in Sault Ste. Marie, signals possible jail time

OMVIC warned consumers a second time on May 20, 2026 that Andy Boston Motors at 257 Trunk Road in Sault Ste. Marie is selling vehicles without registration. The Registrar revoked the business in November 2024 and OMVIC has filed three sets of charges since.

MVDA s. 4(1) (Prohibition on trading without registration) MVDA s. 9 (Notice re: refusal, suspension, revocation) MVDA s. 32 (Offence and penalties) O. Reg. 333/08 s. 29(1) (Display of certificate of registration) MVDA Part VIII (Motor Vehicle Dealers Compensation Fund)

LAT confirms refusal of Fine Auto Sales registration after Consumer Proposal and HST breach

A 2024 Consumer Proposal and unpaid CRA HST breached Khalid Chaudry's 2012 Consent Order. The Ontario LAT confirmed OMVIC's refusal to register Fine Auto Sales.

MVDA s. 6(1)(a)(i) MVDA s. 6(1)(f) MVDA s. 8(1) MVDA s. 9(5)

OMVIC's 2025 numbers: enforcement actions doubled, $1.5M paid from the Compensation Fund

OMVIC's 2025 Annual Report shows proposals to revoke or suspend rose from 34 to 79, ITSOs jumped from 3 to 26, and the Compensation Fund paid $1.5M to consumers.

MVDA s. 9 (Notice re: refusal, suspension, etc.) MVDA s. 10 (Temporary suspension) MVDA Part VIII (Motor Vehicle Dealers Compensation Fund)

OMVIC fines Auto Find $7,000 over deposit dispute, undisclosed private loans, and Range Rover all-in price

OMVIC's Discipline Tribunal fined 1828569 Ontario Inc. o/a Auto Find $7,000 on April 29, 2026 for failing to refund a $2,000 deposit, accepting six undisclosed family loans, and an all-in pricing breach on a Range Rover lease.

MVDA s. 14(3) (Failure to provide information to the Registrar) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 7(1) (Compliance with the law) Code of Ethics s. 8(2) (Respect) Code of Ethics s. 9(1) (Professionalism, no unbecoming conduct) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 31(1)(a) (Notice of new sources of financing) O. Reg. 333/08 s. 36(7) (All-in price advertising) O. Reg. 333/08 s. 38 (Deposits) O. Reg. 333/08 s. 47(7)(c) (Remittance of warranty payment)

OMVIC fines Beattie Chrysler $5,000 after admin, CarFax, and OMVIC fees pushed two used-vehicle sales over the advertised price

OMVIC's Discipline Tribunal fined Beattie Chrysler Dodge Jeep Ram $5,000 on April 29, 2026 after an August 2025 inspection found two transactions where $425 admin, $45 CarFax, and the $12.50 OMVIC fee were stacked on top of the advertised price.

Code of Ethics s. 4(2) (Disclosure and marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 36(7) (All-in price advertising)

OMVIC fines salesperson Joseph Rowe $2,500 for ignoring a Discipline Tribunal education order for nearly a year

OMVIC fined Orillia Mazda salesperson Joseph Rowe $2,500 on April 29, 2026 for ignoring a Tribunal education order, breaching Code of Ethics s. 9(1).

Code of Ethics s. 9(1) (Professionalism)

OMVIC fines Riverside Chevrolet $6,000 after admin and fuel fees on a Buick Encore and Chevrolet Malibu

OMVIC's Discipline Tribunal fined Riverside Chevrolet Buick GMC $6,000 on April 29, 2026 for advertising two vehicles below their selling price by hiding $399 to $699 admin fees, $100 fuel fees, and the $12.50 OMVIC fee outside the listed price.

Code of Ethics s. 4(2) (Disclosure and Marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 36(7) (All-in price advertising)

LAT revokes Car Import Export after dealer let unregistered friend sell cars on his lot

Ontario LAT upheld revocation of a 32-year Hamilton dealer who allowed an unregistered person to sell a vehicle, take $4,500, and never deliver the car.

MVDA s. 6(1)(a)(ii) MVDA s. 9(1)(b) MVDA s. 9(5)

LAT revokes Leon's Fine Cars and Babekov over six suspect vehicle transfers

Ontario LAT upheld revocation of a 24-year dealer after Babekov transferred six luxury vehicles, including a stolen revinned Mercedes G63, into the dealership.

MVDA s. 6(1)(a)(ii) MVDA s. 6(1)(d)(iii) MVDA s. 6(1)(f) MVDA s. 27 O. Reg. 333/08 s. 53(4)

OMVIC fines Aurora Chrysler $3,000 after its own inspection centre certified a Nissan Frontier the MTO later declared unfit

OMVIC fined Aurora Chrysler $3,000 on April 13, 2026 after its inspection centre issued a safety certificate for a Nissan Frontier the MTO declared unfit.

Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 7(1) (Compliance, documents) Code of Ethics s. 9(1) (Professionalism) Code of Ethics s. 9(3) (Professionalism, prevention of error) Code of Ethics s. 9(4) (Professionalism, conscientious service) O. Reg. 333/08 s. 42 para 25 (Material facts in contracts) Sale of Goods Act s. 15 (Implied conditions as to quality or fitness)

OMVIC fines Autohouse Kingston $2,500 over a $12.50 fee, after three written all-in pricing reminders

OMVIC fined Autohouse Kingston $2,500 on April 13, 2026 after a mystery shop found a $12.50 OMVIC fee added above an advertised price, breaching s. 36(7).

O. Reg. 333/08 s. 36(7) (All-in price advertising) Code of Ethics s. 4(2) (Disclosure and marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism, prevention of error)

OMVIC fines Pierson Motors $3,500 after a mystery shop caught a $733.65 markup and a former rental car advertised without disclosure

OMVIC's Discipline Tribunal fined Pierson Motors $3,500 on April 13, 2026 after a September 2025 mystery shop found a 2023 Chevrolet Trail Blazer priced above its advertisement and a 2025 Kia Seltos formerly owned by Enterprise Rent-A-Car listed with no prior-rental disclosure.

Code of Ethics s. 4(2) (Disclosure and marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 36(5)(a) (Daily rental use disclosure) O. Reg. 333/08 s. 36(7) (All-in price advertising)

OMVIC fines Sarnia Hyundai $4,500 after a mystery shop caught fee-stacking on an EV and a salesperson registered to a different dealer

OMVIC fined Sarnia Hyundai $4,500 on April 13, 2026 for fees stacked above an advertised EV price and a trade by a salesperson registered to another dealer.

MVDA s. 4(5) (Salesperson must be registered to the dealer) O. Reg. 333/08 s. 36(7) (All-in price advertising) Code of Ethics s. 4(2) (Disclosure and marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(1) (Professionalism) Code of Ethics s. 9(3) (Professionalism, prevention of error)

LAT confirms refusal of All Gear Auto registration after dealer kept selling unregistered

Ontario LAT upheld OMVIC's refusal to renew a small London-area dealer's registration after disclosure failures, an unbacked free warranty, and continued sales after expiry.

MVDA s. 4(1)(a) MVDA s. 6(1)(d)(iii) MVDA s. 6(1)(f) MVDA s. 30(1) O. Reg. 333/08 s. 42 (paras 19, 21, 22, 23) O. Reg. 333/08 s. 47(1) O. Reg. 333/08 s. 52

LAT preserves Used Car Depot's 30-year registration with conditions instead of revocation

Ontario LAT declined to carry out OMVIC's NOP to revoke a 30-year dealer despite warranty remittance failures, garage-register gaps, and $263K HST debt.

MVDA s. 1(2) MVDA s. 6(1)(a)(ii) MVDA s. 6(1)(d)(i) MVDA s. 6(1)(d)(iii) MVDA s. 6(1)(f) MVDA s. 6(4) MVDA s. 9(5) O. Reg. 332/08 s. 3(1) O. Reg. 333/08 s. 47(7)(c) O. Reg. 333/08 s. 57 HTA s. 60

OMVIC fines Bolton Honda $6,000 for hiding accident history and submitting false records

Bolton Honda sold a total-loss Dodge Challenger without disclosing the write-off, then provided altered documents to OMVIC. The dealer and its GM were fined $6,000.

Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(2) Code of Ethics s. 9(3) Code of Ethics s. 6(2) O. Reg. 333/08 s. 42(19) O. Reg. 333/08 s. 42(21) MVDA s. 27

OMVIC fines CCC Motors $2,500 after $1,011.50 hidden fee on Range Rover

OMVIC fined CCC Motors $2,500 on April 2, 2026 after an October 2025 mystery shop on a 2020 Range Rover found $1,011.50 added above the advertised $45,180 price.

Code of Ethics s. 4(2) (Disclosure and Marketing) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism) O. Reg. 333/08 s. 36(7) (All-in price advertising)

OMVIC fines Gran Turismo $5,000 after father acts as unregistered salesperson

OMVIC fined Gran Turismo Auto Group $5,000 on April 2, 2026 after the salesperson's father handed out his son's business card to OMVIC mystery shoppers.

Code of Ethics s. 4(2) (Disclosure and Marketing) Code of Ethics s. 6(2) (Accountability) Code of Ethics s. 9(1) (Professionalism) Code of Ethics s. 9(3) (Professionalism)

OMVIC fines Hully Gully $5,500 over hidden fees on two Honda motorcycle sales

OMVIC's Discipline Tribunal fined Hully Gully (London) Ltd $5,500 on April 2, 2026 after an inspection found two motorcycle sales overcharged buyers up to $987.60 above advertised price.

Code of Ethics s. 4(2) (Disclosure and Marketing) Code of Ethics s. 6(2) (Accountability) Code of Ethics s. 9(3) (Professionalism) O. Reg. 333/08 s. 36(7) (All-in price advertising)

OMVIC fines Thunder Bay Harley-Davidson $2,500 over $407.50 hidden fee

OMVIC fined Thunder Bay Harley-Davidson $2,500 on April 2, 2026 after a July 2025 mystery shop found a $407.50 fee above the advertised Road King price.

Code of Ethics s. 4(2) (Disclosure and Marketing) Code of Ethics s. 6(1) (Accountability, dealer's duty) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 9(3) (Professionalism) O. Reg. 333/08 s. 36(7) (All-in price advertising)

LAT extends Montero Auto suspension pending NOP hearing over deposit and disclosure complaints

Ontario LAT extended an immediate suspension of Montero Auto Center and Marco Sinagoga while a Notice of Proposal to revoke is heard, citing a $15,000 deposit not held in trust and a Ram with undisclosed engine issues.

MVDA s. 9(5) MVDA s. 10(3) O. Reg. 333/08 s. 42 (para 13) O. Reg. 333/08 s. 58(4)

OMVIC and FSRA warn dealers off Assureway GAP insurance products

FSRA found Assureway Protection Corporation selling GAP insurance in Ontario without a licence. OMVIC reminded dealers of their disclosure and compliance duties.

Code of Ethics s. 4(2) Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(2) Code of Ethics s. 9(4)

OMVIC raises registration fees 2.4% effective May 1, 2026

OMVIC's 60-day notice raises every dealer, salesperson, and branch fee by 2.4% on May 1, 2026. The transaction fee and Compensation Fund fee stay flat.

MVDA s. 6 (Registration) MVDA s. 9 (Renewal)

OMVIC fines Hitech Auto Sale $5,000 for selling two Toyotas without disclosing accident repairs

OMVIC fined Shekedin Shekedin o/a Hitech Auto Sale and Services $5,000 (Feb 13, 2026) for selling two Toyotas without written disclosure of accident repairs.

Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(3) O. Reg. 333/08 s. 42 para 19 O. Reg. 333/08 s. 42 para 25

OMVIC CPD courses launched April 1, 2026 with a new $99 annual fee

OMVIC's Continuing Professional Development courses launched April 1, 2026. Dealers pay $99 annually, salespersons $99 every two years, separate from registration renewal.

O. Reg. 333/08 s. 11 (1.1) O. Reg. 333/08 s. 13 (1.1) MVDA s. 5.1 MVDA s. 6

OMVIC fines Hakim Auto Sales $6,000 for an unsafe rebuilt vehicle and withheld documents

OMVIC fined Hakim Auto Sales $6,000 after selling a certified rebuilt Subaru with obvious defects and failing to give OMVIC the documents it requested.

MVDA s. 14(3) Code of Ethics s. 7(1) Code of Ethics s. 9(1) Code of Ethics s. 9(3) Code of Ethics s. 9(4)

OMVIC's tribunal fines Agincourt Hyundai $8,500 in total after a salesperson's denial 'shaded towards the fantastical'

OMVIC's Discipline Tribunal fined Agincourt Hyundai $5,000 and two staff $3,500 more (penalty reasons January 6, 2026) over a $1,036 all-in pricing breach.

Code of Ethics s. 4(1) Code of Ethics s. 4(2) Code of Ethics s. 6(2) Code of Ethics s. 9(3) O. Reg. 333/08 s. 36(7)

OMVIC fines Hot Wheels Car Sales $10,000 for selling cars with hidden total-loss, theft, and salvage history

OMVIC's Discipline Tribunal fined Hot Wheels Car Sales $10,000 on December 29, 2025 after five vehicles were sold without disclosing accident, total-loss, theft, salvage, or out-of-province history on the bill of sale.

Code of Ethics s. 5 (Disclosure in contracts of sale and lease) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 7(1) (Compliance, current and lawful documents) Code of Ethics s. 9(1) (Professionalism, conduct unbecoming) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 40(3) (As-is sale prohibited where SSC issued) O. Reg. 333/08 s. 42 (Additional information in contracts of sale)

OMVIC fines The Loan Arranger $6,500 for holding $46,433 in customer warranty money past the deadline

OMVIC's Discipline Tribunal fined The Loan Arranger $6,500 on December 29, 2025 after the dealer remitted $46,433 in extended warranty proceeds late over three months, a year after a caution letter on the same rule.

Code of Ethics s. 3(1) (Integrity, financial responsibility) Code of Ethics s. 9(1) (Professionalism, conduct unbecoming) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 47(7) (Remittance of extended warranty proceeds) O. Reg. 333/08 s. 43(3) (Trade-in contract and record requirements)

OMVIC fines Ottawa Chrysler Jeep Dodge $13,000 for six advertising breaches after ignoring a warning letter

OMVIC's Discipline Tribunal fined Ottawa Chrysler Jeep Dodge $13,000 on December 29, 2025 for six advertising breaches across pricing, financing disclosure, and all-in price, four months after a Registrar warning letter on the same rule.

Code of Ethics s. 4(1) (Disclosure and marketing, clear and truthful) Code of Ethics s. 4(2) (Disclosure and marketing, legal decent ethical truthful) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 36(7) (All-in price advertising) O. Reg. 17/05 s. 61 (Cost of borrowing advertising, CPA)

OMVIC fines Yorkdale Fine Cars $5,000 for a hidden rebuilt F150 and ignoring the Registrar, months after dodging revocation

OMVIC's Discipline Tribunal fined Yorkdale Fine Cars $5,000 on December 29, 2025 for selling a rebuilt Ford F150 without disclosure, never transferring it into the dealer's name, and failing to respond to OMVIC, soon after a LAT consent order spared its registration.

MVDA s. 14(3) (Duty to provide information to the Registrar) Code of Ethics s. 6(1) (Accountability, dealer's duty over salespersons) Code of Ethics s. 6(2) (Accountability, salesperson's duty) Code of Ethics s. 7(1) (Compliance, current and lawful documents) Code of Ethics s. 9(1) (Professionalism, conduct unbecoming) Code of Ethics s. 9(3) (Professionalism, prevention of error) O. Reg. 333/08 s. 40(2) para 1 and s. 42(23) (Disclosure of rebuilt classification) Highway Traffic Act s. 11(2) (Transfer of ownership)

OMVIC's 2026 Offsite Trade Permit: what General-class dealers need before tent sales and auto shows

Effective January 1, 2026, General-class dealers apply for OMVIC's Offsite Trade Permit through the portal. Each permit lasts up to 30 days and must be on file two weeks before the event.

O. Reg. 333/08 s. 28(4) (Place of business — trade only from authorised places) O. Reg. 333/08 s. 28(1) (Certificate lists authorised places) O. Reg. 333/08 s. 28(9) (Compliance with municipal by-laws) O. Reg. 333/08 s. 29(1) (Post certificate at each authorised place) O. Reg. 333/08 s. 30(1) (Sign at each place of trade) O. Reg. 333/08 s. 12 (Dealers trading from multiple places)

OMVIC reminds dealers to keep their Person in Charge and business-role records current ahead of CPD renewal cycles

OMVIC's November 14, 2025 dealer bulletin tells registrants to file a Business Change Notice for any change to PIC, director, or officer details before CPD obligations land at renewal. The MVDA gives dealers five days to report officer and director changes.

MVDA s. 23 (Duty of motor vehicle dealers) MVDA s. 24 (Notice of changes to registrar) O. Reg. 333/08 s. 60 (Notification of persons with signing authority) Code of Ethics s. 6(1) (Accountability, dealer's positive duty to supervise)

Once a dealer registers a demo vehicle it is used inventory, OMVIC clarifies

OMVIC's October 2025 bulletin confirmed there is no mileage threshold for demo vehicles. Once registered to the dealer, the vehicle is used and must be sold as used.

Code of Ethics s. 4(1) Code of Ethics s. 4(2) O. Reg. 333/08 s. 40(2) O. Reg. 333/08 s. 42

OMVIC clarifies dealer obligations when selling third-party extended warranties

OMVIC's October 6, 2025 bulletin: a dealer can only sell or facilitate an extended warranty when insured or backed by a Letter of Credit with the Compensation Fund.

O. Reg. 333/08 s. 47(1) (Sale of extended warranties) O. Reg. 333/08 s. 47(3) (Dealer liability when seller out of business) O. Reg. 333/08 s. 47(4) (Contract content for direct sales) O. Reg. 333/08 s. 47(6) (Contract content for facilitated sales) O. Reg. 333/08 s. 47(7) (30-day remittance for facilitated sales)