Confidently Compliant
Regulatory and compliance requirements are constantly evolving and can carry significant impact. With more than 30 years of experience in Canada’s investment industry, LTM Canada removes uncertainty by going beyond pro-active monitoring to actively supporting our clients and helping shape the regulatory environment.
Built for Canada’s Tax and Reporting Complexity
LTM Canada works closely with the Canada Revenue Agency (CRA) and Revenue Québec (RQ) to ensure the platform is current and updates are implemented in a streamlined, repeatable manner that minimizes risk.
Unitrax® is purpose‑built to handle regulatory nuance including configurable functionality to enable filings across account and product types spanning Securities and Insurance wealth.
Continuous Alignment with Industry Regulators
Canada’s insurance and investment ecosystems are governed by multiple federal and industry‑specific regulatory bodies. These organizations regularly create and publish guidelines, advisories, and best‑practice recommendations that directly impact fund manufacturers, insurers, MGAs, and dealers.
We proactively work with our clients to help shape policy direction and deliver compliance solutions that are a source of operational advantage.
Continuous Client Engagement on Regulation and Compliance Changes
Beyond regulatory bodies, LTM Canada actively engages with our user community at leading industry organizations such as Fundserv, the Securities and Investment Management Association (SIMA), the Canadian Life and Health Insurance Association (CLHIA), and the Canadian Association of Independent Life Brokerage Agencies (CAILBA).
LTM Canada also hosts regulatory working groups to actively assess legislative updates, evaluate client and industry impact, and determine the most efficient path to compliance so your Transfer Agency Operations remain compliant.
This ongoing dialogue ensures our platform continuously anticipates federal and provincial budget changes, emerging policy direction, and evolving operational realities, positioning your organization to lead through change, not simply respond to it.
Effective January 1, 2026, Total Cost Reporting (TCR) information must be calculated and disclosed on client statements, alongside enhanced year‑end reporting requirements for Insurance Wealth products.
Our Precision TCR+™ Enhanced Statement Reporting solution was developed in close collaboration with clients, regulators, and industry stakeholders
The result is a compliance‑ready solution that:
- Meets new regulatory requirements with minimal operational overhead
- Delivers clear, meaningful information to advisors and investors
- Supports transparency without adding complexity
Unitrax® is continuously enhanced to ensure adherence with CRA mandated requirements and timelines. The platform automatically recognizes the line of business being administered and reports the appropriate information to the CRA through XML filing. Unitrax® also provides client-configurable due diligence reporting, enabling organizations to tailor report content and delivery frequency to their specific needs.
Every organization operates within its own governance model, business processes, and efficiency framework. Unitrax® enables organizations to meet all CRS reporting requirements through a fully configurable and customizable module. This means complete, end-to-end compliance, alignment to your operating model, and audit ready reporting.
Unitrax® supports a wide range of product types, including:
- Segregated Funds
- Mutual Funds
- Guaranteed Investment Certificates (GICs)
- Daily Interest Investments (DII)
- Payout Annuities
- Alternative Investments
- Guaranteed Withdrawal Benefits (GWB) & Guaranteed Investment Accounts (GIA)
- Pooled Funds
- Limited Partnerships
- Linked Notes
- And more
Each investment vehicle has built-in configuration rules managed through Unitrax’s Investment Product Management (IPM) module. Organizations can design, create, and efficiently manage their product shelf while adhering to regulatory and internal business rules.
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