PICO REGULATORY ADVISORY
Pico Regulatory Advisory provides lawyer-led advisory support for mortgage lenders, administrators, brokerages, MICs, private lenders and financial-services businesses navigating licensing, AML, regulatory examinations, private lending, lending governance and complex legal/compliance matters.
PICO ADVISORY
From licensing and private lending to AML, examinations and governance, Pico brings legal and operating perspective to complex mandates.
LAWYER-LED · CANADA
WHAT PICO DOES
WHO PICO HELPS
Mortgage lenders
Mortgage administrators
Brokerages
MICs and private lenders
Alternative lenders and fintechs
Law firms and external counsel
WHY PICO
David Da Silva is an Ontario barrister and solicitor and financial-services regulatory executive with more than 20 years of experience across mortgage lending, private lending, compliance, AML and regulation. He previously served as a Technical Lead in FSRA’s Compliance Examinations function and has held senior legal, compliance and mortgage-lending leadership roles in the Canadian mortgage sector.
Practical judgment across mortgage law, regulation, compliance and lending operations.
Ontario Barrister & Solicitor
Former Ontario Mortgage Brokerage Regulator
Experience across mortgage lending, regulation, legal and compliance leadership
SERVICES
Legal, regulatory and compliance support built for mortgage businesses.
Focused advisory for lenders, administrators, brokerages, MICs, private lenders and financial-services businesses across Canada.
01 Mortgage Licensing & Market Entry
Business-model characterization, licensing strategy, provincial expansion and regulator communications.
02 Mortgage Lending Advisory
Lending-policy support, underwriting controls, product governance, broker-channel risk, servicing issues and regulatory alignment.
03 Regulatory Examinations & Remediation
Examination readiness, findings response, remediation plans and governance uplift.
04 AML / FINTRAC for Mortgage Businesses
AML program design, business risk assessments, training, effectiveness reviews and control improvement.
05 Private Lending, MICs & Investor Suitability
Suitability frameworks, disclosure, conflicts, governance, administrator/lender issues and private-mortgage risk.
06 Fractional Legal & Compliance Leadership
Senior legal, regulatory and compliance support for lenders, administrators, MICs, fintechs and brokerages.
THE REGULATORY LENS
The Regulatory Lens is Pico’s commentary series on mortgage regulation, private lending, AML, licensing and regulatory risk.
01 · SUITABILITY
02 · SUITABILITY
03 · REGULATORY PERIMETER
04 · LICENSING
A Mortgage Administrator’s Licence Is Not a Licence to Lend Mortgages
05 · COMPLIANCE LEADERSHIP
Compliance Is Not a Cost Center
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CONTACT
For advisory, fractional or referral inquiries:
Ontario, Canada · Advisory mandates across Canada.