# What disclosures are required for residential mortgage portfolios, especially related to straight switches?

> Federally regulated financial institutions (FRFIs) must publicly report information about their mortgage portfolios every quarter to ensure transparency.

Category: Renewal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/renewal/what-disclosures-are-required-for-residential-mortgage-portfolios-especially-related-to-straight-switches

## Answer
Federally regulated financial institutions (FRFIs) must publicly report information about their mortgage portfolios every quarter to ensure transparency. This includes details like the proportion of insured versus uninsured mortgages and HELOCs, broken down by geographic region.

## Institutional highlights
- More information from lenders helps you understand their mortgage practices.
- Lenders need to share enough details about their mortgages so everyone can see how healthy their business is.
- Lenders who offer mortgages must publish information about them every three months.
- These reports show how many mortgages are insured, how many are not, and where the properties are located.

## Related guide
- https://ratellow.com/guides/renewal-switch-process

## Sources
- OSFI exempts uninsured mortgage straight switches from the prescribed MQR and implements portfolio LTI limits — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/osfi-exempts-uninsured-mortgage-straight-switches-prescribed-mqr-implements-portfolio-lti-limits
- I. Purpose and scope of the guideline — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#1.0
- Mortgage insurance — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.5.1