12 These Regulations come into force on January 1, 2011.
2 These Regulations do not apply in respect of an institution that has obtained mortgage insurance from an insurer if neither the institution nor any of its affiliates charges borrowers an amount for that insurance.
3 Any information that is required to be disclosed by an institution under these Regulations must be disclosed in language, and presented in a manner, that is clear, simple and not misleading.
1 The following definitions apply in these Regulations.
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