FSRA's current CE cycle has more moving parts than a single number: two separate components, hour totals that change by licence class, and a rule about which past cycles' records still need to be kept.
This checklist breaks it into the order a licensee would actually work through it, from confirming which hours apply to a specific licence class through to record retention after the deadline passes.
Step 1. Confirm which CE components apply to you
Every Ontario licensee — Level 1, Level 2, and broker — owes two separate components: Conduct CE, which is FSRA-accredited coursework, and Professional CE, 10 hours of broader professional development that isn't itself FSRA-approved course by course. Both are required; neither substitutes for the other.
Step 2. Check your Conduct CE hour requirement by licence class
| Licence class | Conduct CE hours |
|---|---|
| Mortgage Agent Level 1 or Level 2 | 5 hours |
| Mortgage Broker | 7 hours |
Conduct CE for this cycle is accredited through Canadian Mortgage Brokers Association—Ontario, Mortgage Professionals Canada, and the Real Estate and Mortgage Institute of Canada.
Step 3. Complete the 10 hours of Professional CE
All licensees need 10 hours of Professional CE, regardless of licence class — on top of, not instead of, Conduct CE. Qualifying topics include legal and regulatory matters, ethics, mortgage fraud, client needs analysis, brokerage operations, cybersecurity, and risk management.
Sales techniques, recruiting, office or computer skills, management training, company-specific product training, volunteering, networking, and language courses are explicitly excluded — hours spent there won't count.
Step 4. Hit the March 31, 2026 deadline
Both Conduct CE and Professional CE are due by March 31, 2026. Courses completed between April 1, 2024 and March 31, 2026 count toward this cycle. CE is only required for renewals falling in even years — 2026, 2028, 2030, and onward.
Step 5. Avoid the categories that don't count
- →A course where the required details can't be supplied to FSRA
- →A course registered for but not actually attended
- →Hours claimed for acting as the instructor
- →Repeating a course without new content
- →A course that was failed
Step 6. Keep records for four years after the cycle
Professional CE records must be retained for four years prior to the current licensing cycle — CE completed for the March 31, 2026 deadline needs to be kept until March 31, 2030. Principal Brokers tracking this across a whole team should read it alongside the Principal Broker supervision obligations, and for the full explanation behind every line of this checklist, see FSRA's CE requirements, explained.
Freeing up the hours to actually sit through 15 hours of CE without falling behind on files is its own problem — Treadstone's fulfillment work with Canadian mortgage professionals and the Canadian Mortgage Underwriting Course waitlist both help close that gap.