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Overseas banking/Canada

AmericasCanadaLicensed-entity research

Laurentian Bank of Canada

Laurentian Bank of Canada (Banque Laurentienne du Canada); as of 2026-10-26, the bank announced that Fairstone Bank plans to acquire all of its issued common shares, subject to completion of the transaction. This refers to the Canadian statutory banking entity, not Fairstone, National Bank of Canada, or the Laurentian brand in general.

Laurentian Bank of Canada is a Canadian statutory banking entity and publicly provides information on personal chequing and savings accounts and business banking packages. Its retail and small-business operations are in a transition period related to a proposed transaction and migration. Public information confirms the existence of a digital account-opening announcement and related products in Canada, but does not confirm that all non-residents or foreign companies can open accounts, nor that Rengangyongsheng (Hong Kong) Limited currently offers appointments for opening an account with this bank.

Regulator
Office of the Superintendent of Financial Institutions (OSFI); a bank transaction announcement separately confirms that the relevant transaction received approval from OSFI and other authorities.
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The legal entity record in Schedule I to the Bank Act (the official page is current as of 2025-12-31), the CDIC member list, OSFI's supervisory scope and the bank's product and transaction pages have been checked. The bank's individual detailed record in OSFI's regulated institution CSV has not been verified. The bank's complete current policies for non-resident individuals, overseas companies, corporate documents, remote witnessing and new account-opening fees/timelines have not been found. The transaction is scheduled to close on 2026-11-01, and the migration expected by year-end has not yet been completed. Post-transaction entity supervision and product transition arrangements still require rechecking.

Research scope and official resources

Topic number:americas-laurentian-bank-of-canada

Selection records list it among the selected large Canadian banks in The Banker Top 1000 World Banks 2026 (Tier 1 capital basis); this is a publicly available institutional screening lead for 2026, not the bank’s specific ranking or a real-time top 100 ranking.

Bank’s official website

Personal Eligibility and Documents

The bank’s official website lists personal checking accounts and high-interest savings accounts, and an announcement in 2023 states that its checking and high-interest savings accounts can be opened digitally through a self-service process, with service coverage across Quebec and other parts of Canada. This is information about products and channels, not a promise of approval for every applicant. The account-opening page available for review does not show a complete, current list of personal eligibility requirements, so this profile does not treat age, residence, identity documents or minimum-balance requirements as verified bank policy. The Financial Consumer Agency of Canada’s general information says that non-Canadian citizens or people living abroad may be able to open a personal account in Canada if they provide appropriate identification, although a bank may require them to appear in person; this is not confirmation from Laurentian Bank that it accepts non-resident applications. Whether Canadian residents can still apply through the current online process, whether non-residents or applicants abroad are accepted, whether a branch visit is required, and which products are available must all be confirmed directly with the bank in writing.

Personal information publicly disclosed or identified

  • The bank’s readable personal product and account-opening information does not provide a complete, current document list. Therefore, the following are only general account-opening preparation recommendations for Canada, not Laurentian Bank policy or a guarantee that the documents will be accepted: in line with general Financial Consumer Agency of Canada guidance, prepare valid original identification, such as identification issued by the Canadian federal, provincial, or territorial government, or a foreign passport. The guidance also lists documents that can be combined, including a recent government notice of assessment, government benefits statement, Canadian utility bill, and bank or credit card statement. Confirm separately how the bank will combine, verify, or accept these documents.
  • For general account-opening identity verification using information such as address and date of birth, you may refer to the two-reliable-source-document method listed by the Financial Consumer Agency of Canada. Whether this applies to the bank’s current online application, and its document validity and translation/certification requirements, has not been publicly confirmed.
  • Self-certification of tax residence and related tax identification numbers should be provided only as required by the bank's actual forms and applicable tax law; CRS/FATCA reporting does not mean that all customers are required to provide a Canadian SIN.

Company eligibility and documents

The official website lists corporate banking packages and states that the bank offers corporate account-related services, but the official materials found in this review do not publish complete eligibility criteria for new corporate accounts or confirm whether overseas-registered entities, companies without a Canadian business address, nonresident beneficial owners, or applicants in particular industries are accepted. Whether businesses in Canada can open new accounts, which business products remain available during a transition period, and whether account opening will be handled by National Bank must be confirmed in writing by the bank’s current Business Centre; the corporate package page must not be interpreted as making accounts available to foreign companies.

Company information publicly disclosed or identified

  • The bank has not published a complete list of documents for opening a corporate account. The following are general preparation suggestions based on FINTRAC entity-identity and beneficial-ownership requirements, not a list published or guaranteed to be accepted by Laurentian Bank: certificate of incorporation/charter or equivalent formation documents; information about directors and authorized signatories; registered and business addresses; an ownership and control chart; and registry or corporate records that can verify this information.
  • General compliance preparation may also include information and addresses for natural persons who directly or indirectly own/control at least 25% of the interest, information on trustees/known beneficiaries/settlor of a trust (if applicable), identification for authorized signatories, and the company’s tax residency declaration and applicable tax number. FINTRAC requires reporting entities, where applicable, to obtain and reasonably verify relevant beneficial ownership information; confirm the specific threshold, document combination, and additional bank requirements with the bank.

Address, tax, and remote / witnessed procedures

Address and tax

General identity-verification information that may be required to open a personal account in Canada includes name, address, date of birth and government-issued identification. The Financial Consumer Agency of Canada lists combinations of documents showing address and date of birth as general methods, but this does not establish that the bank accepts any proof of address for all products. CRS requires Canadian financial institutions to obtain/verify applicable account holders’ tax-residency status and relevant tax identification numbers; the bank’s website states that it records account holders’ tax-residency status and reports information to the CRA where required. An individual SIN is one form of Canadian identification only where applicable. Service Canada explains that the SIN is primarily used for employment and government programs/benefits; this does not support a claim that the bank always requires a SIN to open an account. Companies should prepare tax-residency self-certification and Canadian or foreign tax identification numbers as applicable. The bank’s specific policy on proof of address for non-residents, foreign tax-number formats, mailing addresses or translated addresses has not been publicly confirmed.

Remote / witnessing

The bank’s 2023 announcement stated that it had offered self-service digital account opening for chequing and high-interest savings accounts in Quebec and other parts of Canada. This does not establish that accounts can be opened remotely from anywhere in the world, or that video witnessing, online notarization or witnessing by a third party can replace the bank’s verification. FINTRAC permits reporting entities to use non-face-to-face identity verification methods when requirements such as document certification, validity and matching the individual are met. These are compliance methods, not specific channels Laurentian Bank offers to customers. The bank must confirm in writing any requirements for overseas applications, in-person verification, branches, mail or notarization.

Public process reference

  1. Personal products: A bank announcement previously stated that customers could apply online themselves for a checking account or high-yield savings account. The current account-opening page requirements, identity verification, funding method, and whether applications are still being accepted could not be fully confirmed from the bank information available; contact the bank directly before applying.
  2. Business product: The bank publishes business packages, but no complete public application process for a new business account or application channel for companies abroad was found. Contact the bank’s Business Centre or your existing relationship manager to confirm legal entity eligibility, business scope, signing authority, account-opening documents, in-person requirements and the entity currently handling applications.
  3. The bank’s transaction FAQ, dated 2026-10-05, stated that the transaction was expected to close on 2026-11-01 (subject to the remaining conditions). If completed, retail and SME products and services were expected to migrate to National Bank by the end of 2026. Until the transaction closes, existing customers can continue to use their usual teams and channels. New applicants should confirm which institution will handle their application, whether the product will continue to be available and the migration arrangements; the historical digital account-opening announcement should not be treated as a guarantee of the post-migration process.

Compliance topics, details, and sources

Canadian AML/KYC and personal identity verification

Under Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its regulations, applicable financial entities must verify the identity of individuals or entities according to the business context. Official FINTRAC guidance lists methods such as government-issued photo identification, a Canadian credit file and the dual-process method. Non-face-to-face verification must also confirm the document’s authenticity and validity and match it to the holder; merely viewing identification on video is not sufficient. Laurentian Bank’s actual process for a specific new customer must still be confirmed.

Source:FINTRAC — Methods to verify the identity of persons and entities

Company beneficial owners, control structure and source of funds

FINTRAC guidance requires applicable reporting entities to obtain beneficial ownership information and take reasonable measures to verify it when verifying an entity’s identity. This generally involves individuals who directly or indirectly own/control at least 25%, directors, and the entity’s ownership/control structure; trusts have separate requirements for information about relevant persons. Banks may conduct further checks on business purpose, source of funds and transaction background based on risk; this review did not find a publicly available source-of-funds document list uniformly applicable to all applicants at Laurentian Bank. Answer the bank’s questions truthfully and prepare verifiable materials; do not attempt to evade scrutiny.

Source:FINTRAC — Beneficial ownership requirements ；FINTRAC — Methods to verify the identity of persons and entities

Canadian tax residency status, CRS and FATCA

Canada has implemented CRS (Part XIX of the Income Tax Act). The CRA explains that financial institutions may ask individuals and entities opening new accounts to prove or clarify their tax-residency status and reportable accounts are reported to the CRA under the rules. Canada also implements FATCA (Part XVIII) through an agreement with the United States; this does not mean the United States has joined CRS. Laurentian Bank’s own FATCA/CRS information says that it records account holders’ tax-residency information and reports information to the CRA when legally required; the CRA then exchanges information under applicable arrangements. Which self-certification forms, TINs and controlling-person reporting requirements apply depends on the account type and tax status.

Source:Canada Revenue Agency — Guidance on the Common Reporting Standard ；Laurentian Bank — FATCA and CRS

Canadian sanctions and prohibited-transaction screening

Canada implements sanctions through legislation including the Special Economic Measures Act, the United Nations Act and the Justice for Victims of Corrupt Foreign Officials Act. Persons in Canada and applicable Canadian entities must comply with relevant financial prohibitions, asset freezes and transaction restrictions. Global Affairs Canada recommends consulting the relevant legislation and sanctions lists, and being alert to direct and indirect associations. This file does not represent that any specific applicant or payer has been screened for sanctions, nor does it infer that the bank has accepted an account application.

Source:Global Affairs Canada — Canadian sanctions: Essential information

Deposit protection and transaction transition

The current CDIC member directory lists Laurentian Bank of Canada and, under it, the business names LBC Digital and Private Banking, among others. The directory can verify member status, but should not be used to generalize deposit insurance limits or conclude that all products, entities, and deposits are insured. The bank’s official transaction FAQ states that its retail and SME businesses are intended to migrate to National Bank; the closing date and subsequent migration remain subject to completion of the transaction and customer notification.

Source:CDIC — List of member institutions ；Laurentian Bank — Transaction information and FAQ ；Laurentian Bank — Final Key Regulatory Approvals Received for the Transactions

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide concerns publicly available account-opening preparations for business/SME banking services with Laurentian Bank of Canada; it is not a personal-account checklist. The bank’s public business pages show account and payment services but do not publish a complete new-customer eligibility or document checklist. As of 2026-10-05, the transaction FAQ stated that the transaction was expected to close on 2026-11-01 (subject to conditions), and that retail and SME businesses were expected to move to National Bank at the end of 2026; therefore, the party handling new applications and the products available must be confirmed case by case. The bank has not publicly confirmed eligibility for foreign companies, nonresident controllers, or cross-border applicants.

Date information checked:2026-10-26

Information evidence package

Company standing, business and signing authority

Who it applies to
Company applications; individuals/sole proprietors should not use the company document checklist. The following is preparation guidance, not a mandatory checklist published by the bank.
Documents to Prepare
  • Company certificate of registration/incorporation and searchable current status record; articles of association or equivalent organizational documents.
  • List of directors, officers, and proposed authorized signatories; board resolution or other authorization document specifying the account’s purpose, signing authority, and online banking user arrangements.
  • Registered address, actual business address, and a description of the main business; if an agent is acting on your behalf, prepare the authorization chain and relevant identity documents.
Description
The bank’s business page describes account, transfer, government payment and online banking services, but does not publish rules on account-opening documents, originals/certified copies, translations or validity periods. Prepare verifiable versions of the documents first, then confirm the required format with the team actually handling the application.

Source:Laurentian Bank — Banking solutions | Business banking；Laurentian Bank — Transaction information and FAQ

Ownership, beneficial owners, and control chain

Who it applies to
Applications by companies and other entities; prepare according to entity type, and do not extend the 25% threshold under Canadian rules to all countries or relationships.
Documents to Prepare
  • Prepare a diagram showing each level of direct and indirect ownership/control percentages, ultimate natural-person controllers, and directors, and explain voting rights or other control arrangements.
  • Prepare supporting documents such as the shareholder/securities register, annual filings, formation documents, shareholder agreements, or director records. Where applicable, prepare the trust deed and information about the relevant parties.
  • Prepare name and address information for identifiable beneficial owners; if the structure is complex, organize registration details and shareholding evidence for each entity in the structure.
Description
FINTRAC requires applicable reporting entities, when verifying an entity’s identity, to obtain prescribed information about owners/directors and the ownership, control and structure, and to take reasonable measures proportionate to risk to confirm its accuracy. The specific documents to submit to the bank still need to be confirmed.

Source:FINTRAC — Beneficial ownership requirements

Genuine business, funds and expected transactions

Who it applies to
Company applications; preparation guidance only to help explain the account purpose and transaction background.
Documents to Prepare
  • A brief description of the company, its products/services, key customers and suppliers, countries/regions of operation, and the intended use of the account, such as receiving payments, making payments, payroll, or taxes.
  • Documents that explain the start-up funds or main source of funds, such as capital contribution records, contracts/invoices, financial statements, or statements for relevant accounts. Select documents based on the actual business; this does not mean the bank will necessarily require all of them.
  • Organize the anticipated currencies, main countries of payment, types of counterparties, and approximate transaction patterns. Ensure they are consistent with contracts, invoices, and the scale of the business.
Description
The bank page explicitly lists corporate payment services such as international wire transfers. FINTRAC’s ongoing-monitoring guidance requires reporting entities to assess whether transactions are consistent with known customer information, the purpose of the relationship, and the risk assessment. This supports the reasonableness of preparing background information but does not mean Laurentian has published a source-of-funds document checklist.

Source:Laurentian Bank — Banking solutions | Business banking；FINTRAC — Ongoing monitoring requirements

Due diligence and enhanced verification

Beneficial owner and complex control structures

Basis for Verification
FINTRAC guidance states that corporate verification involves the names of all directors and the names and addresses of persons who directly or indirectly own/control at least 25% of shares or units. Other entities and trust categories are subject to their respective information requirements, and structural information must be obtained and reasonable measures taken to confirm accuracy. Verification measures for high-risk or complex structures should be proportionate to risk; a complex structure is not automatically high risk.
Preparation recommendation
Provide a tier-by-tier ownership chart, percentage calculations, supporting documents such as registration records/shareholders’ agreements, and an explanation of nominee ownership, voting rights, trusts, or other control arrangements. For discrepancies that cannot be explained by a single public register, first organize the reasons they arose and supporting documents.
Scope
Statutory compliance baseline for applicable Canadian reporting entities; not a globally uniform threshold directly applicable to all foreign entities, nor an application form published by the bank.

Source:FINTRAC — Beneficial ownership requirements

Business purpose and background to funds/transactions

Basis for Verification
FINTRAC requires reporting entities to monitor business relationships periodically on a risk basis, update information such as client identification, beneficial ownership, relationship purpose and expected nature, and assess whether activities are consistent with known information; Laurentian’s public materials do not list uniform source-of-funds or source-of-wealth document requirements.
Preparation recommendation
It is advisable to match each source of funds, business model, key counterparty, and purpose of cross-border payments with contracts, invoices, financial documents, or capital contribution records. If expected transactions do not match the documents submitted, prepare an explanation and supporting evidence.
Scope
The foregoing monitoring obligations are regulatory requirements for reporting entities. Customer materials are a preparation recommendation to support due diligence; specific requirements depend on the individual case and the bank's review.

Source:FINTRAC — Ongoing monitoring requirements；Laurentian Bank — Banking solutions | Business banking

Tax Residency Status and Tax Identification Number Information

Basis for Verification
The bank and regulatory sources actually reviewed for this research do not specify the tax self-certification forms, TIN fields, or tax reporting method for controllers applicable to Laurentian’s new business accounts. Accordingly, no particular form or Canadian SIN is identified as a mandatory account-opening document.
Preparation recommendation
First organize the tax residences, applicable tax numbers and places of registration for the entity and relevant individuals. Obtain the bank’s current self-certification form, complete it according to actual tax status, and confirm how to handle a missing or inapplicable foreign tax number.
Scope
Document preparation suggestions and gaps in publicly available information; this is not a complete legal assessment of specific CRS/FATCA reporting obligations.

Source:Laurentian Bank — Transaction information and FAQ

Ongoing maintenance obligations

Keep contact details up to date and monitor migration notices

The bank’s FAQ asks customers to ensure their email and mailing addresses are correct and says they can update them through LBCDirect or by contacting a branch or Business Centre. Until the transaction closes, existing customers can continue using their usual teams and channels. The FAQ says SME business is expected to migrate to National Bank by the end of 2026 years; this is an expected arrangement, not a completed fact. New applicants should confirm who will serve them after account opening, whether they will need to take any action during migration, and keep their contact address up to date.

Source:Laurentian Bank — Transaction information and FAQ

Changes in information, transaction verification, and client cooperation

FINTRAC’s ongoing monitoring obligations are borne by banks and other reporting entities, and include periodic review of client information, beneficial owners, business relationship purpose and consistency of transactions. The frequency is risk-based; the guidance does not prescribe one review cycle for all clients. Account holders are advised to contact the bank proactively when directors, ownership/control, signing authority, business activities or main transaction patterns change, and to retain business records that can explain unusual or cross-border transactions. Specific notification obligations are subject to the account terms and the bank’s requirements.

Source:FINTRAC — Ongoing monitoring requirements；FINTRAC — Beneficial ownership requirements

Please confirm with the bank before booking

  1. Are applications for new Laurentian business/SME accounts still being accepted? If the transaction closes on 2026-11-01, or is subsequently transferred to National Bank, which legal entity and team will handle new applications?
  2. Can Canadian-incorporated companies, foreign-incorporated companies and non-resident beneficial owners each apply? Is a Canadian business address, local signatory or interview required?
  3. Please provide the current account-opening form and document checklist applicable to this entity type, and confirm requirements for originals/certified copies, translations, document validity periods, and signatory verification.
  4. Which tax-residency self-certification and tax identification number fields must be completed? How should a foreign TIN, tax information for controlling persons, or an inapplicable field be handled?
  5. Will the bank ask about PEPs/associated persons, sanctions screening, source of funds/source of wealth, or cross-border counterparties? What information must be submitted, and which aspects of the relevant screening policies and risk acceptance boundaries can be publicly disclosed?
  6. What are the account fees, minimum balance, review timeline, transaction limits, remote application/in-person attendance requirements and arrangements for transferring the account after opening?

Not confirmed by public information

  • The bank’s published business page does not provide complete eligibility conditions for opening a new account, a company document list, authentication/translation standards or processing times.
  • Eligibility for non-resident individuals, overseas companies, foreign controllers, and certain industries has not been confirmed from the bank pages reviewed. Global remote account opening or video witnessing has also not been confirmed.
  • Specific forms for tax self-certification/TIN, PEP and sanctions-screening questionnaires, and the bank’s internal risk appetite and approval thresholds have not been publicly verified; this should not be taken to imply automatic rejection or guaranteed acceptance.
  • Whether a new account can be opened before the proposed migration, and the account contract/service provider and migration steps after the migration, must be confirmed with the bank based on the progress of the transaction. Request the current terms for fees, balance requirements, review time, and limits as well.

Sources & Scope of Verification

  1. Laurentian Bank — Banking solutions | Business banking

    The bank’s business banking services page lists business online banking, government remittances/filings, ATMs, international wire transfers and electronic funds transfers, and notes that personal and SME business will migrate to National Bank. The page does not list complete eligibility criteria or documents for opening a new business account.

  2. Laurentian Bank — Transaction information and FAQ

    The page is marked as updated on 2026-10-05 and states that the transaction is expected to close on 2026-11-01, subject to remaining conditions; retail and SME products and services are expected to migrate at the end of 2026; it also describes service channels for existing customers and how to update email and mailing addresses. This does not prove that the transaction has closed or that new applicants are eligible.

  3. FINTRAC — Beneficial ownership requirements

    FINTRAC’s official guidance lists the beneficial ownership, director and structural information required for different entity types. For corporations, this includes persons who directly or indirectly own or control at least 25%, and requires reasonable measures to confirm accuracy, proportionate to the risk.

  4. FINTRAC — Ongoing monitoring requirements

    FINTRAC’s official guidance states that reporting entities must conduct periodic, risk-based monitoring of business relationships, update identity, beneficial ownership, and relationship purpose/nature information, and assess consistency of transactions. High-risk clients require enhanced monitoring, with the relevant measures and information obtained recorded.

Fees and timelines

Opening fees, monthly account fees, minimum deposits/balances, review times, transfer limits, and post-opening fund restrictions applicable to new applicants have not been confirmed. Official package and rate information is available and varies by product and effective date, but this dossier does not treat dynamic prices shown in search results or figures from other periods as current commitments. Request the account fee schedule and terms applicable on the date of opening.

Limitations and practical considerations

  • Schedule I of Canada’s Bank Act identifies the bank and CDIC member institution; this does not mean that every individual, company or cross-border applicant meets the account-opening requirements.
  • The bank’s public announcement about digital account opening covers Canada, but does not establish that it accepts individuals residing abroad or companies incorporated abroad, or that it offers global video verification, mail-in processing, or third-party witnessing.
  • As of 2026-10-26, the transaction was expected to close on 2026-11-01 and remained subject to outstanding conditions. If completed, retail and SME products/services are expected to transition to National Bank at the end of 2026. Obtain written confirmation regarding new account products, the legal relationship, and the institution that will service the account going forward.
  • This profile is based on publicly available research. It is not account approval, legal/tax advice, or a bank channel for which Rengangyongsheng (Hong Kong) Limited can currently arrange an appointment. Applicants must not be promised that their accounts will be accepted.

Licensing evidence and regulatory verification

A specific legal bank entity has been found: Schedule I on the official Department of Justice page for the Bank Act (page marked as current through 2025-12-31) directly lists “Laurentian Bank of Canada, Quebec”; the current CDIC member-institution directory also lists this legal name. The OSFI page states that it regulates all banks in Canada and links to the “Who we regulate” institutional dataset, but this bank’s individual entry was not verified in that dataset in this review. These records support the entity’s legal bank status and directory listing; they do not verify a separate license number, its license status following completion of the transaction, or that personal or business account applications will be approved.

Office of the Superintendent of Financial Institutions (OSFI); a bank transaction announcement separately confirms that the relevant transaction received approval from OSFI and other authorities. Official registration or record

Information sources

  1. Laurentian Bank — Chequing accounts

    The bank’s current official personal checking account product page supports that the bank publicly offers personal checking accounts and provides access to product information. The page available for review does not show a complete list of application eligibility requirements and therefore does not establish non-resident eligibility or complete account-opening document requirements.

  2. Laurentian Bank — Digital account opening across Quebec and Canada

    The bank’s 2023 announcement stated that chequing and high-interest savings accounts could be opened through self-service digital account opening in Quebec and other parts of Canada. This supports only the channels and regions announced at that time; it does not establish worldwide remote account opening or the new application process following the 2026 transaction migration.

  3. Laurentian Bank — Business packages

    The bank’s business package page publishes business banking packages and terms of use; it does not list eligibility for foreign companies or a complete list of documents for opening a new business account.

  4. OSFI — Banks

    OSFI explains that it regulates and supervises all banks operating in Canada and provides an entry point to its directory of regulated institutions; the overview page itself is not an individual licence record for Laurentian Bank.

  5. Government of Canada Open Data — Who we regulate financial institutions

    The directory page for OSFI’s official regulated financial institutions dataset explains that the CSV resource can be used to verify institutions. The Laurentian Bank record was not extracted from that dataset during this review, so this does not claim that the specific entry was verified.

  6. Justice Laws Website — Bank Act, Schedule I

    Official Department of Justice of Canada Schedule I page for the Bank Act (page states that it is current as of 2025-12-31) directly lists Laurentian Bank of Canada and Quebec; this supports that the specific statutory bank entity was listed in the Schedule, but does not establish its licensing or customer-eligibility status after the 2026 transaction closes.

  7. CDIC — List of member institutions

    The current Canadian Deposit Insurance Corporation member directory lists Laurentian Bank of Canada and, under it, the names LBC Digital and Private Banking, among others; this supports membership status, not any unverified claim about coverage amounts or coverage of all products.

  8. Laurentian Bank — Transaction information and FAQ

    The bank’s transaction FAQ, marked as updated on 2026-10-05, describes the expected transaction closing date, the planned migration of retail and SME services, continued use of existing customer service channels until closing, and the expectation that Laurentian Bank will become a wholly owned subsidiary of Fairstone after closing. This supports the stated transaction transition facts; it does not present future arrangements as completed.

  9. Laurentian Bank — Final Key Regulatory Approvals Received for the Transactions

    2026-08-31 announcement states that relevant regulatory approvals have been obtained and the transaction remains subject to outstanding closing conditions, with closing expected on 2026-11-01 and retail/SME migration expected by year-end. The bank says the transaction received relevant OSFI approval, but this announcement is not a record of an individual licence number.

  10. FINTRAC — Methods to verify the identity of persons and entities

    FINTRAC’s official AML/KYC guidance lists methods and records for verifying the identity of individuals and entities by applicable financial entities, as well as the conditions for non-face-to-face verification; it explains Canada’s compliance baseline and does not replace the bank’s specific account-opening process.

  11. FINTRAC — Beneficial ownership requirements

    FINTRAC’s official guidance explains requirements for beneficial ownership information for entity clients, direct or indirect ownership/control of 25%, directors, verification of structure and recordkeeping. This is general preparation advice for corporate documents, not a bank-specific document list.

  12. Canada Revenue Agency — Guidance on the Common Reporting Standard

    The CRA’s official guidance on CRS under Part XIX of the Income Tax Act explains Canadian financial institutions’ obligations for account tax-residency self-certification, due diligence and reporting, and distinguishes Canada’s CRS regime from the Part XVIII/FATCA arrangements for U.S. accounts.

  13. Laurentian Bank — FATCA and CRS

    Laurentian Bank’s website explains the Canada-US FATCA agreement, Canada’s implementation of CRS, and the bank’s practices for recording account holders’ tax residence and reporting reportable information to the CRA.

  14. Global Affairs Canada — Canadian sanctions: Essential information

    Global Affairs Canada explains the legal basis of Canadian sanctions, financial prohibitions/asset freezes and due-diligence screening principles; this supports the compliance baseline in Canada but does not indicate that screening was performed on a specific customer.

  15. Financial Consumer Agency of Canada — Opening a bank account

    The FCAC explains general rights to open an account, acceptable original identity documents, examples of documents that may be used, and that non-Canadian citizens or people living abroad may be able to open an account but may need to appear in person. This is general Canadian consumer guidance, not a commitment by Laurentian Bank to accept an application.

  16. Service Canada — Social Insurance Number

    Service Canada explains the purpose, privacy, and eligibility requirements for a SIN. This clarifies that a SIN should not be described without substantiation as a document required for every personal account at the bank.