AML Compliance Toolkit · Canada

What could weak AML compliance cost your business?

Since March 26, 2026, FINTRAC can issue penalties up to 40 times higher than before. Tick the gaps that apply to you and see your possible penalty exposure in seconds.

About your business

Penalty limits depend on who is penalized and when the violation happened.

You are

A business An individual

Violations happened

After Mar 26, 2026 Before

Yearly gross revenue (optional)

Monthly revenue at risk (optional)

Compliance program gaps

Every business covered by the PCMLTFA must have these five parts in place. Each missing part can be a separate violation.

Reports not filed

Enter how many reports were missed. Each missed report can count as its own violation.

How this works

This tool shows the legal maximum. FINTRAC decides the real amount case by case. It looks at how much harm the violation caused, your compliance history, and, under the new rules, your ability to pay. When a business completely fails an obligation, FINTRAC has said it will generally apply the maximum available penalty. Serious cases are also published on FINTRAC's website.

Maximum per violation, old rules: minor $1,000; serious $100,000; very serious $500,000 for businesses ($100,000 for individuals).
Maximum per violation, new rules: minor $40,000; serious $4,000,000; very serious $20,000,000 for businesses (about $4,000,000 for individuals).
For businesses under the new rules, the total for multiple violations is capped at $20 million, or 3% of gross global revenue if revenue is above $20 million.
Tiers follow classifications used in published FINTRAC penalty notices. The new framework may move some compliance program violations to "very serious."

This is an educational estimate, not legal advice. Sources: FINTRAC penalty framework changes, FINTRAC modernization updates.