The Borrower's Authorization And Certification Form is a critical document in Canadian lending processes, required whenever a borrower applies for a loan, mortgage, or other credit facilities. This document serves multiple purposes: it provides legal authorization for lenders to verify borrower information, obtain credit reports, and share information with necessary third parties; it captures the borrower's certification regarding the truthfulness of their application; and it ensures compliance with Canadian privacy laws and banking regulations. The form is designed to protect both the lender's interests in conducting due diligence and the borrower's privacy rights under PIPEDA and provincial legislation. It's particularly important in the current regulatory environment where proper documentation of consent and authorization is essential for legal compliance and risk management.
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1. Borrower Information: Full legal name, current address, and other identifying information of the borrower
2. Purpose of Authorization: Clear statement of the purpose for which the authorization is being provided, including the type of loan or credit being sought
3. Credit Check Authorization: Authorization for the lender to obtain credit reports and verify credit history
4. Information Verification Consent: Authorization to verify employment, income, assets, and other information provided in the loan application
5. Information Sharing Authorization: Consent for sharing information with necessary third parties involved in the loan process
6. Borrower Certifications: Declarations regarding the accuracy and completeness of all information provided
7. Privacy Statement: Statement regarding how personal information will be collected, used, and protected
8. Acknowledgment and Signature: Confirmation of understanding and agreement to all terms, with space for signature and date
1. Co-Borrower Information and Authorization: Required when there is a co-borrower on the loan application
2. Business Purpose Certification: Required for business or investment property loans to certify non-consumer purpose
3. Government Monitoring Information: Optional section for demographic information collection, if required by specific loan programs
4. Electronic Communication Consent: Optional authorization for electronic delivery of documents and communications
5. Specific Program Certifications: Additional certifications required for specific loan programs (e.g., government-backed loans)
6. Language Preference: Required in jurisdictions with bilingual requirements or when serving diverse populations
1. Schedule A - Supporting Documentation Checklist: List of required documents that the borrower must provide to support their application
2. Schedule B - Privacy Policy: Detailed privacy policy and information handling procedures, if not included in main document
3. Schedule C - Specific Authorization Details: Detailed list of specific entities and institutions authorized to release information
4. Appendix 1 - Terms and Definitions: Definitions of key terms used in the authorization form, if needed for clarity
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