# Manitoba Financial Services Agency


## Posts

- [Investor Warning: CSA Impersonation Scams](https://hykaz.net/investor-warning-csa-impersonation-scams/): The CSA is warning the public about false documentation circulating that uses CSA branding as part of a scheme that promises to recover investor funds lost due to fraudulent activities.
- [CIRO Cybersecurity Incident](https://hykaz.net/ciro-cybersecurity-incident/): The CSA, the umbrella group of 13 provincial and territorial securities regulators, is aware that the Canadian Investment Regulatory Organization (CIRO) has identified additional individuals whose personal information was affected by a recent cybersecurity incident.

## Pages

- [Fees](https://hykaz.net/real-estate/registration/fees/)
- [Who Should Register](https://hykaz.net/real-estate/registration/who-should-register/): Persons looking to provide real estate services in Manitoba must be registered under The Real Estate Services Act unless they qualify for an exemption under the Act or the Real Estate Services Regulation.
- [Forms](https://hykaz.net/law/fees-and-forms/forms/)
- [Fees](https://hykaz.net/law/fees-and-forms/fees/): These fees are for some of the more common applications and filings.
- [Fees & Forms](https://hykaz.net/law/fees-and-forms/)
- [FAQs](https://hykaz.net/real-estate/faqs/): Below are answers to our most frequently asked questions. We’ll update this section as new questions arise.
- [Notices, Policies & Directives](https://hykaz.net/real-estate/notices-policies-directives/): This section contains notices sent to the industry that provide information about upcoming events, clarification on industry practice and regulatory requirements, and policies issued by the Commission.
- [Compliance](https://hykaz.net/real-estate/compliance/)
- [Registration](https://hykaz.net/real-estate/registration/): Explore this section to learn about the requirements for individuals or companies pursuing registration in real estate, property management, private sales, and mortgage brokering.
- [Real Estate](https://hykaz.net/real-estate/): As the independent office that protects home buyers and sellers by promoting fair and efficient business practices, the Real Estate Division registers real estate brokerages, property management brokerages, salespersons, representatives, and mortgage brokers and sets the registration and business practice requirements for all registrants in the province of Manitoba.
- [Forms](https://hykaz.net/securities/issuers/forms/)
- [Fees](https://hykaz.net/securities/issuers/fees/): This section summarizes the Manitoba Securities Commission (MSC) fees related to issuers and insiders.
- [Exempt Distributions](https://hykaz.net/securities/issuers/exempt-distributions/): This section explains the exemptions available to enable distribution of securities without a prospectus.
- [Insider Trading Reporting](https://hykaz.net/securities/issuers/insider-trading-reporting/): This section explains the ongoing filing obligations of insiders of a reporting issuer (such as directors and senior officers) as well as insider-related filings by a reporting issuer.
- [Corporate Finance](https://hykaz.net/securities/issuers/corporate-finance/): This section explains how an issuer may become a reporting issuer (usually through a prospectus), a reporting issuer’s ongoing filing obligations (continuous disclosure), and the impact of a reporting issuer’s failure to file continuous disclosure (a cease trade order).
- [Reporting Issuers List](https://hykaz.net/securities/issuers/reporting-issuers-list/): This section briefly explains what is included in the reporting issuer list and how you can retrieve.
- [Other Regulated Entities](https://hykaz.net/securities/market-oversight/other-regulated-entities/): Under The Securities Act (Manitoba) and The Commodity Futures Act (Manitoba), the MSC has the statutory power to recognize or exempt exchanges from the recognition requirement found in the Act.
- [SROs and Investor Protection Funds](https://hykaz.net/securities/market-oversight/sros-and-investor-protection-funds/): Self-regulatory organizations (SROs) represent their members and regulate the operations, standards of practice, and business conduct of their members.
- [Compliance Resources](https://hykaz.net/securities/compliance/compliance-resources/): Occasionally, we host compliance forums and other events for chief compliance officers and other compliance staff of registered firms.
- [Compliance Reviews](https://hykaz.net/securities/compliance/compliance-reviews/): Compliance staff have the authority to conduct reviews of registrants, including portfolio managers, exempt market dealers, investment fund managers, and scholarship plan dealers, registered in Manitoba to determine if a registered firm is complying with securities legislation.
- [Ongoing Registrant Requirements](https://hykaz.net/securities/compliance/ongoing-registrant-requirements/): Registered firms have various ongoing requirements.
- [FAQs](https://hykaz.net/securities/registration/faqs/): Every individual who applies for registration through the National Registration Database is assigned a unique NRD number. This number does not change.
- [Search Registration](https://hykaz.net/securities/registration/search-registration/): It is important that businesses and the public be able to search for the registration status of people working in Manitoba in securities, real estate and financial institutions.
- [Forms](https://hykaz.net/securities/registration/forms/): This section contains the forms necessary to comply with the Securities Commission’s policy and legislation concerning securities and commodities.
- [Fees](https://hykaz.net/securities/registration/fees/): Fees are to be paid by electronic funds transfer through the National Registration Database (NRD).
- [How to Register](https://hykaz.net/securities/registration/how-to-register/): Once a firm has determined which category of registration it wishes to apply under, it must complete and file Form 33-109F6, Firm Registration.
- [Who Should Register](https://hykaz.net/securities/registration/who-should-register/): Individuals applying for registration must select one or more registration categories. All individual registrations must be sponsored by a registered firm.
- [Issuers](https://hykaz.net/securities/issuers/): The Manitoba Securities Commission works to ensure that investors have access to timely, accurate and complete information so they can make informed decisions about their investments.
- [Market Oversight](https://hykaz.net/securities/market-oversight/): The Oversight area is responsible for the oversight and regulation of various market entities involved in the operation of both securities and derivatives markets in Manitoba.
- [Compliance](https://hykaz.net/securities/compliance/): Compliance is responsible for the direct oversight of firms and individuals registered in the categories of portfolio manager, investment fund manager, exempt market dealer and scholarship plan dealer.
- [Registration](https://hykaz.net/securities/registration/): The Manitoba Securities Commission is the independent office that protects investors and promotes fair and efficient business practices in Manitoba.
- [Enforcement](https://hykaz.net/enforcement/): The Manitoba Securities Commission conducts enforcement actions to protect the public and facilitate confidence in markets.
- [Committees](https://hykaz.net/about/about-committees/): The Real Estate Advisory Committee established by Manitoba Regulation 593/88 under The Real Estate Brokers Act recommends real estate projects to the Commission for funding from the interest the Commission receives from real estate brokers’ trust accounts.
- [Corporate Policy](https://hykaz.net/about/corporate-policy/): The Manitoba Financial Services Agency is committed to ensuring equal access and participation for people with disabilities.
- [Financial Institutions](https://hykaz.net/about/about-regulated-industries/about-regind-financial-institutions/): The Financial Institutions Regulation Branch (FIRB) provides regulatory oversight to the insurance sector, credit unions and caisses populaires and trust and loan companies operating in Manitoba, and ensures adequate standards are maintained to protect the public.
- [Real Estate](https://hykaz.net/about/about-regulated-industries/about-regind-real-estate/): The real estate division is responsible for administering The Real Estate Services Act and The Mortgage Brokers Act.
- [Regulated Industries](https://hykaz.net/about/about-regulated-industries/)
- [Securities](https://hykaz.net/about/about-regulated-industries/about-regind-securities/): The Manitoba Securities Commission, a division of the Manitoba Financial Services Agency was structured in its present form in 1968 as set out in The Securities Act.
- [Strategic Plan](https://hykaz.net/about/strategic-plan/): The MFSA operates through two divisions, namely The Manitoba Securities Commission and The Financial Institutions Regulation Branch.
- [Mission and Vision](https://hykaz.net/about/about-mission-and-vision/): The Manitoba Financial Services Agency seeks to foster a better financial future for all Manitobans through responsive regulation that promotes fairness, honesty and openness within Manitoba’s financial services and real estate sectors.
- [Hearings & Proceedings](https://hykaz.net/law/hearings-and-proceedings/): Hearings are held when Manitoba Securities Commission Staff bring forward allegations of violations of the legislation the Manitoba Securities Commission enforces.
- [Investor Alerts](https://hykaz.net/media-centre/investor-alerts/): Canadian Securities Administrators issue Investor Alerts to warn the public about activities that are illegal or pose a risk to the general public.
- [Financial Institutions](https://hykaz.net/firb/): The Financial Institutions Regulation Branch of the Manitoba Financial Services Agency was established in 2000.
- [Securities](https://hykaz.net/securities/): The securities division of The Manitoba Securities Commission protects investors and promotes fair and efficient capital markets throughout the province by conducting operations including registrations, processing of applications and prospectuses, preparing matters for the referral to the Commissioners and conducting investigations, prosecutions and other hearings.
- [Contact Us](https://hykaz.net/contact/): Ring bell for service from 12 p.m. – 1 p.m. daily.
- [Media Centre](https://hykaz.net/media-centre/): Stay up to date with news releases and notices from the Manitoba Financial Services Agency (MFSA).
- [Home](https://hykaz.net/): We acknowledge we are gathered on Treaty 1 Territory and that Manitoba is located on the Treaty Territories and ancestral lands of the Anishinaabeg, Anishininewuk, Dakota Oyate, Denesuline and Nehethowuk Nations.
- [About MFSA](https://hykaz.net/about/): The MFSA is a Special Operating Agency (SOA) of the Manitoba Government that reports to Cabinet through the Minister of Finance.
- [Mail Disruption Notice](https://hykaz.net/mail-disruption-notice/): Manitoba securities and real estate law contains various requirements in respect of filing of documents with the Manitoba Securities Commission and delivery of documents to securityholders.
- [Financial Institutions](https://hykaz.net/industry-contacts/financial-institutions/)
- [Real Estate](https://hykaz.net/industry-contacts/industry-contacts-real-estate/)
- [Securities](https://hykaz.net/industry-contacts/industry-contacts-securities/): North American Securities Administrators Association, Inc.
- [Real Estate Services Act](https://hykaz.net/real-estate/real-estate-services-act/): The Real Estate Services Act provides a new regulatory framework for Manitoba’s real estate industry.
- [Sitemap](https://hykaz.net/sitemap/)
- [Accessibility Policy and Commitment](https://hykaz.net/accessibility-policy-and-commitment/): At Manitoba Financial Services Agency (MFSA), we are committed to ensuring equal access and participation for all people, regardless of their abilities.
- [FAQ](https://hykaz.net/faq/)
- [Real Estate Service Standards](https://hykaz.net/real-estate/registration/real-estate-service-standards/): Manitoba legislation requires registrants to submit renewal applications a minimum of 30 days before their current registration expires.
- [Financial Institutions](https://hykaz.net/media-centre/educational-resources/multimedia-resources/edures-financial-institutions/)
- [Real Estate](https://hykaz.net/media-centre/educational-resources/multimedia-resources/edures-real-estate/)
- [Securities](https://hykaz.net/media-centre/educational-resources/multimedia-resources/edures-securities/): Not sure what to ask your financial adviser? Are you thinking of retiring and want to know how to protect your money?
- [Questions](https://hykaz.net/questions/)
- [Industry Contacts](https://hykaz.net/industry-contacts/)
- [Land Acknowledgement](https://hykaz.net/land-acknowledgement/): The Manitoba Financial Services Agency is located on original lands of Anishinaabeg, Cree, Oji-Cree, Dakota and Dene peoples, and on the homeland of the Métis Nation.
- [Legal](https://hykaz.net/legal/): Our website is a non-commercial public service.
- [Social Media Policy](https://hykaz.net/social-media-policy/): Manitoba Financial Services Agency (MFSA) maintains its social media sites (the “Social Media Sites”) including, but not limited to, “X” (Twitter), as a public service for information purposes only.
- [Privacy Policy](https://hykaz.net/privacy-policy/): The Manitoba Financial Services Agency (MFSA) is committed to respecting privacy and protecting personal information.
- [Financial Institutions](https://hykaz.net/media-centre/educational-resources/financial-education/financial-professionals/finpro-financial-institutions/): When it comes to insurance, working with insurance professionals is essential to protect yourself, your assets, and your loved ones.
- [Real Estate](https://hykaz.net/media-centre/educational-resources/financial-education/financial-professionals/finpro-real-estate/): Working with a real estate, mortgage, or property management registrant can be a valuable and rewarding experience when navigating the complex world of buying or selling properties, getting a mortgage or managing property.
- [Securities](https://hykaz.net/media-centre/educational-resources/financial-education/financial-professionals/finpro-securities/): An adviser can help you:set your goalsbuild a planchoose suitable investmentstrack your progressadjust your plan, when neededYou can look to an adviser for answers to your questions about investment products and strategies.
- [Financial Institutions](https://hykaz.net/media-centre/educational-resources/fraud-prevention/scams/scam-financial-institutions/): Exaggerating the losses in an insurance claim or claiming a loss on something that was never owned can be considered insurance fraud.
- [Real Estate](https://hykaz.net/media-centre/educational-resources/fraud-prevention/scams/scam-real-estate/): Mortgage fraud occurs whenever someone lies about or fails to disclose an important fact in order to facilitate obtaining a mortgage loan.
- [Securities](https://hykaz.net/media-centre/educational-resources/fraud-prevention/scams/scam-securities/): Investment fraud can happen to anyone, even the financially savvy.
- [Public Search](https://hykaz.net/media-centre/educational-resources/fraud-prevention/public-search/): To undertake a public search, click here.
- [Scams](https://hykaz.net/media-centre/educational-resources/fraud-prevention/scams/)
- [Alerts](https://hykaz.net/media-centre/educational-resources/fraud-prevention/alerts/): Canadian Securities Administrators issue Investor Alerts to warn the public about activities that are illegal or pose a risk to the general public.
- [File a Complaint](https://hykaz.net/media-centre/educational-resources/fraud-prevention/file-a-complaint/): All complaints are thoroughly reviewed to determine if an investigation is warranted.
- [How to Protect Yourself](https://hykaz.net/media-centre/educational-resources/fraud-prevention/how-to-protect-yourself/): Protecting oneself from investment fraud involves several key steps.
- [Red Flags of Fraud](https://hykaz.net/media-centre/educational-resources/fraud-prevention/red-flags-of-fraud/): Investment fraud is a serious crime that can cause significant financial losses for individuals and organizations.
- [Multimedia Resources](https://hykaz.net/media-centre/educational-resources/multimedia-resources/)
- [Fraud Prevention](https://hykaz.net/media-centre/educational-resources/fraud-prevention/): Scam artists are clever. Take some time to learn about the common scams that circulate in the financial services sector.
- [Financial Basics](https://hykaz.net/media-centre/educational-resources/financial-education/financial-basics/): Why is it that people spend more time buying a new car or planning a vacation than planning for their financial future?
- [Financial Professionals](https://hykaz.net/media-centre/educational-resources/financial-education/financial-professionals/): Many people turn to a financial professional to help simplify their life and reach their financial goals.
- [Financial Education](https://hykaz.net/media-centre/educational-resources/financial-education/)
- [Compliance Reviews](https://hykaz.net/real-estate/compliance/compliance-reviews/): Compliance staff have the authority to conduct reviews of registrants, including real estate brokerages, property management brokerages, mortgage brokers, and restricted mortgage brokers registered in Manitoba to determine if a registered brokerage is complying with real estate or mortgage legislation.
- [Ongoing Registrant Requirements](https://hykaz.net/real-estate/compliance/ongoing-registrant-requirements/): Registered brokerages have various ongoing requirements.
- [CSA](https://hykaz.net/csa-news-and-reports/)
- [Educational Resources](https://hykaz.net/media-centre/educational-resources/): Whether you want to invest your money, understand your pension, buy a house, purchase insurance or protect yourself or a loved one from financial fraudsters, managing your money can be complicated.
- [Research](https://hykaz.net/mfsa-reports/research/)
- [Annual Reports](https://hykaz.net/mfsa-reports/annual-reports/): The Manitoba Financial Services Agency produces an Annual Report to inform the public and its members of its progress, programs and performance throughout the past year.
- [Strategic Planning](https://hykaz.net/mfsa-reports/strategic-planning/): The MFSA operates through two divisions, namely The Manitoba Securities Commission and The Financial Institutions Regulation Branch.
- [Statistics](https://hykaz.net/enforcement/financial-loss-claims/financial-loss-claims-statistics/): In some situations, an investor loses money because of the illegal or improper conduct of a market participant.
- [Financial Institutions](https://hykaz.net/enforcement/public-search/financial-institutions/): Please click here to search the Insurance Council of Manitoba registrant database.
- [Real Estate](https://hykaz.net/enforcement/public-search/real-estate/): Individuals looking to provide real estate, property management, or mortgage services in Manitoba must be registered with the MFSA.
- [Securities](https://hykaz.net/enforcement/public-search/securities/): Securities industry professionals are required to register with the securities regulator in each province or territory where they do business.
- [Disciplined List](https://hykaz.net/law/hearings-and-proceedings/disciplined-list/): The Disciplined List is intended to assist the public and the securities industry in conducting due diligence.
- [Completed Hearings](https://hykaz.net/law/hearings-and-proceedings/completed-hearings/): This page contains orders, rulings and decisions issued by the Manitoba Securities Commission relating to exemptive relief, cease trade orders, enforcement proceedings and other matters.
- [Hearing Schedule](https://hykaz.net/law/hearings-and-proceedings/hearing-schedule/): The following is a list of hearings that have been scheduled under The Securities Act or The Commodity Futures Act.
- [Pre-Hearing Procedures Policy](https://hykaz.net/law/hearings-and-proceedings/pre-hearing-procedures-policy/): This Policy describes the procedures for pre-hearing matters before the Commission excluding ex parte matters.
- [Financial Institutions](https://hykaz.net/enforcement/investigations/file-a-complaint/complaint-financial-institutions/): If you have a complaint against an insurance company, you can file a formal written complaint with the Financial Institutions Regulation Branch (FIRB).
- [Real Estate](https://hykaz.net/enforcement/investigations/file-a-complaint/complaint-real-estate/): mail – 500 – 400 St.
- [Securities](https://hykaz.net/enforcement/investigations/file-a-complaint/complaint-securities/): Prior to filing a complaint you should determine if the individual and company are registered.
- [FAQs](https://hykaz.net/enforcement/investigations/investigations-faqs/): MFSA staff cannot provide you with legal advice and will often refer individuals to their legal counsel.
- [Complaint Form](https://hykaz.net/enforcement/investigations/complaint-form/): Download the complaint form here.
- [File a Complaint](https://hykaz.net/enforcement/investigations/file-a-complaint/)
- [Process](https://hykaz.net/enforcement/investigations/investigations-process/): All complaints are thoroughly reviewed to determine if an investigation is warranted.
- [Financial Loss Claims](https://hykaz.net/enforcement/financial-loss-claims/): Under The Securities Act (Manitoba), legislation permits individuals to make a claim for Compensation for Financial Loss to recover financial losses up to $250,000.
- [Public Search](https://hykaz.net/enforcement/public-search/): Before entering into a financial transaction such as investing money, purchasing a home or buying insurance it is important that you undertake research into the company or individual you are thinking of dealing with.
- [Investigations](https://hykaz.net/enforcement/investigations/): The Manitoba Financial Services Agency investigates complaints involving activities related to The Securities Act, The Commodity Futures Act, The Real Estate Services Act and The Mortgage Brokers Act.
- [Research](https://hykaz.net/csa-news-and-reports/csa-reporting/research/): Research published before 2012 is available in the Archives section of the CSA Research page.
- [Reports](https://hykaz.net/csa-news-and-reports/csa-reporting/reports/)
- [CSA Business Plan](https://hykaz.net/csa-news-and-reports/csa-reporting/csa-business-plan/): For achievement highlights and interim progress reports, visit our Reports page.
- [CSA Numbering System](https://hykaz.net/law/law-instruments/csa-numbering-system/): The Canadian Securities Administrators (“CSA”), follows a system in which securities regulatory instruments are assigned numbers which indicates the kind of instrument it is and the subject matter of the instrument.
- [Unpaid Orders](https://hykaz.net/law/law-instruments/unpaid-orders/): The Manitoba Securities Commission (MSC) may issue orders against individuals or companies who have contravened The Securities Act or The Commodity Futures Act.
- [Acts and Regulations](https://hykaz.net/law/law-instruments/acts-and-regulations/): The Acts and accompanying regulations are available online free of charge on The Manitoba Laws website at www.gov.mb.ca/laws.
- [Rules, Instruments and Policies](https://hykaz.net/law/law-instruments/rules-instruments-and-policies/): The Manitoba Securities Commission has the authority to enact Rules and Policies. The Rule-Making Procedure Regulation came into force on January 1, 1998.
- [Notices](https://hykaz.net/law/law-instruments/notices/): The Manitoba Securities Commission issues notices to advise the financial industry and the public about regulatory developments.
- [Orders and Exemptions](https://hykaz.net/law/law-instruments/orders-and-exemptions/): This section contains orders the Manitoba Securities Commission has issued under The Securities Act (Manitoba) and The Commodity Futures Act.
- [CSA Reporting](https://hykaz.net/csa-news-and-reports/csa-reporting/): The Canadian Securities Administrators (CSA) is the umbrella organization of Canada’s provincial and territorial securities regulators whose objective is to improve, coordinate and harmonize regulation of the Canadian capital markets.
- [CSA News](https://hykaz.net/csa-news-and-reports/csa-news/): News Releases issued by the CSA can be found on their website by navigating to this page.
- [MFSA](https://hykaz.net/mfsa-reports/)
- [News and Reports](https://hykaz.net/media-centre/news-reports/)
- [Request for Comments](https://hykaz.net/law/requests-for-comments/): The Manitoba Securities Commission issues notices to advise the financial industry and the public about regulatory developments.
- [Law & Instruments](https://hykaz.net/law/law-instruments/): This section provides legal information, including policies, notices, rules, and laws.
- [Law](https://hykaz.net/law/): The legal department at the Manitoba Financial Services Agency provides legal support on matters related to registration, compliance, investigative and enforcement functions.
- [Forms](https://hykaz.net/firb/cooperatives/forms/): Complete your application online then print and send.
- [Starting a Cooperative](https://hykaz.net/firb/cooperatives/starting-a-cooperative/): Please refer to Manitoba Economic Development and Training for information on how to start a cooperative.
- [Filing Offering Statements](https://hykaz.net/firb/cooperatives/filing-offering-statements/): Cooperatives raise capital for their development and operations by offering to sell securities to co-op members and non‑members.
- [Forms](https://hykaz.net/firb/trust-loan/forms/): Complete your application online then print and send.
- [Fees](https://hykaz.net/firb/trust-loan/fees/)
- [Trust and Loan Corporations](https://hykaz.net/firb/trust-loan/trust-and-loan-corporations/): DISCLAIMER: This list is provided for the convenience of the public.
- [FAQs](https://hykaz.net/firb/credit-unions/faqs/): How do I know if a credit union or caisses populaire is registered?
- [Forms](https://hykaz.net/firb/credit-unions/forms/): Complete your application online then print and send.
- [Fees](https://hykaz.net/firb/credit-unions/fees/): j) for a certified or photo copy of i.
- [Credit Unions](https://hykaz.net/firb/credit-unions/credit-unions/): DISCLAIMER: This list is provided for the convenience of the public.
- [FAQs](https://hykaz.net/firb/insurance/faqs/): How do I know if the company I want to buy insurance from is licensed?
- [Forms](https://hykaz.net/firb/insurance/forms/)
- [Fees](https://hykaz.net/firb/insurance/fees/): The fee payable for an initial licence is reduced by half if the licence application is made after June 30 in any year.
- [Filing Requirements](https://hykaz.net/firb/insurance/filing-requirements/)
- [Insurance Companies](https://hykaz.net/firb/insurance/insurance-companies/): DISCLAIMER: This list is provided for the convenience of the public.
- [Annual Reports](https://hykaz.net/firb/insurance/annual-reports/): The reports for Financial Institutions’ other activities are included in the annual report for the Department of Finance.
- [Cooperatives](https://hykaz.net/firb/cooperatives/): Effective May 1, 2020, the Companies Office became responsible for the registry of cooperative corporations (co-ops) in Manitoba.
- [Trust & Loan](https://hykaz.net/firb/trust-loan/): Financial Institutions Regulation Branch is responsible for administering Part XXlV of The Corporations Act and issuing business authorizations to all trust and loan companies operating in Manitoba.
- [Credit Unions](https://hykaz.net/firb/credit-unions/): Financial Institutions Regulation Branch administers The Credit Unions and Caisses Populaires Act.
- [Insurance](https://hykaz.net/firb/insurance/): Through its administration of The Insurance Act, the Financial Institutions Regulation Branch is responsible for licensing all insurers operating in Manitoba, regulates insurers established in Manitoba and manages consumer and policyholder complaints about insurers.
- [How to Register](https://hykaz.net/real-estate/registration/how-to-register/): The Manitoba Securities Commission administers The Real Estate Services Act.
- [Education Courses](https://hykaz.net/real-estate/registration/education-courses/): In order to become registered in the real estate or mortgage industries in Manitoba there are certain course that you must take that are approved by the Securities Commission.
- [Renewal](https://hykaz.net/real-estate/registration/renewal/): This section contains general information on renewing registrations issued under The Real Estate Services Act and The Mortgage Brokers Act.
- [Forms](https://hykaz.net/real-estate/registration/forms/): This section contains the forms required for various filings under The Real Estate Services Act and The Mortgage Brokers Act.

## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/hykaz.net/mcp)

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