Canada regulates crypto through existing law rather than one crypto act: securities regulators for trading platforms and crypto contracts, FINTRAC for anti-money-laundering, the Bank of Canada and OSFI for payments and prudential rules, Parliament for stablecoins, and privacy law for the AI that now sits inside all of it. This page is the compliance officer's map: the law tracker for status and dates, and the reporting that explains what each change means.
Every tracker entry carries its primary source and a last-verified date. Entries older than 90 days are flagged for re-checking, and corrections are published openly.
Questions people ask
- Is crypto legal in Canada?
- Yes. Buying, holding and selling crypto is legal. Platforms that let Canadians trade must be registered with a securities regulator, and businesses dealing in virtual currency must register with FINTRAC as money services businesses.
- Who regulates crypto exchanges in Canada?
- The provincial and territorial securities regulators, coordinated through the Canadian Securities Administrators. In Ontario that is the OSC; in Quebec, the AMF; in B.C., the BCSC; in Alberta, the ASC. Dealer-registered platforms are also members of CIRO.
- Are stablecoins regulated in Canada?
- Yes. The CSA treats fiat-backed stablecoins as value-referenced crypto assets with conditions for platforms that offer them, and Parliament passed the Stablecoin Act in the Budget 2025 implementation bill. The tracker has the current status and dates.
- Is there an AI law in Canada?
- Not a general one. The Artificial Intelligence and Data Act died with Bill C-27 in January 2025. AI at financial firms is governed through securities law, OSFI's Guideline E-23 from May 2027, privacy law and Bill C-36, which was at second reading in September 2026.