Canada's core AML and counter-terrorist financing statute, supervised by FINTRAC. Its foreign money services business regime is what catches non-Canadian fintechs and crypto firms serving Canadian customers, and virtual currency dealers have been reporting entities since 2020. The Act has been amended repeatedly between 2024 and 2026, including a new administrative monetary penalty framework in force from 26 March 2026, so confirm the current obligations before relying on any summary.