{ "generated_at": "2026-05-01T00:00:00+00:00", "seed": 118400, "source": "financial_crime_policy_2026_promised_vs_delivered", "note": "Forward-looking ledger of Liberal April 2026 financial-crime announcements (federal financial-crime police agency, federal crypto-ATM ban) reframed against the eight-year arc of named gaps (2018 OAG money-laundering finding through 2024 TD Bank guilty plea and 2024-2026 FINTRAC budget cut). Schema is locked: each row tracks announcement -> mandate -> first-named-target -> first-named-prosecution-or-closure. Empty cells are honest cells. Page evolves as chronology resolves.", "schema_version": "1.0", "schema": { "fields": [ "row_id", "year", "announcement", "promised_by", "mandate_published", "first_named_target", "first_named_prosecution_or_closure", "primary_source_urls", "internal_dossier_links", "kind" ], "kind_values": ["finding", "delivered_elsewhere", "concurrent_defunding", "announcement"], "status_values": ["yes", "delivered", "institutional", "in_us", "pending", "opaque"] }, "primary_sources": [ "https://www.oag-bvg.gc.ca/internet/English/parl_oag_201805_01_e_43033.html", "https://cullencommission.ca/", "https://www.oag-bvg.gc.ca/", "https://www.justice.gov/", "https://www.canada.ca/en/treasury-board-secretariat/services/planned-government-spending/government-expenditure-plan-main-estimates.html", "https://www.fintrac-canafe.gc.ca/intro-eng", "https://www.cbc.ca/news/canada/toronto/canada-crypto-atm-ban-scammers-9.7180642", "https://www.cbc.ca/news/politics/liberals-new-police-agency-financial-crime-9.7181929" ], "rows": [ { "row_id": "2018-oag-money-laundering", "year": "2018", "announcement": "OAG Spring 2018 Report 1 — money-laundering enforcement-gap finding", "promised_by": "Office of the Auditor General of Canada (Spring 2018, Report 1); Government response acknowledged enforcement gap.", "mandate_published": "yes — OAG report itself is the published mandate", "first_named_target": "no named target as of 2026-05", "first_named_prosecution_or_closure": "still announcing in 2026 — see 2026-04-28 and 2026-04-30 rows", "primary_source_urls": [ "https://www.oag-bvg.gc.ca/internet/English/parl_oag_201805_01_e_43033.html" ], "internal_dossier_links": ["accountability.html"], "kind": "finding" }, { "row_id": "2022-cullen-commission", "year": "2022", "announcement": "Cullen Commission Final Report (BC) — \"Vancouver Model\"", "promised_by": "Hon. Austin F. Cullen, Commissioner of Inquiry, 2022-06; 101 recommendations accepted in full by BC government — acceptance is not implementation.", "mandate_published": "yes — final report + 101 recommendations published; per-recommendation implementation status (in-force / partial / not-yet) is the open follow-up", "first_named_target": "institutional — BCLC, GPEB, named ministers Coleman/Bond/de Jong", "first_named_prosecution_or_closure": "no criminal conspiracy charged; 2026 federal announcements do not name BC casinos or Vancouver real-estate channel; BC-side status of the 101 recommendations a separate open question", "primary_source_urls": ["https://cullencommission.ca/"], "internal_dossier_links": ["accountability.html"], "kind": "finding" }, { "row_id": "2023-oag-fintrac", "year": "2023", "announcement": "OAG report on FINTRAC (referenced as 2023 / Spring 2024 \"Combatting Money Laundering\")", "promised_by": "Office of the Auditor General; FATF mutual-evaluation echo. Found FINTRAC had not shared enough intelligence with police; real-estate sector lacked tools; reporting entities non-compliant.", "mandate_published": "yes — OAG report enumerated specific gaps", "first_named_target": "no named target — finding addressed FINTRAC capability gaps and bank/real-estate/casino non-compliance generically", "first_named_prosecution_or_closure": "still announcing in 2026 — 2026-04-30 federal financial-crime agency re-promises what FINTRAC was supposed to already do", "primary_source_urls": ["https://www.oag-bvg.gc.ca/"], "internal_dossier_links": ["accountability.html"], "deep_link_status": "pending — OAG search-page URL patterns 404 from external probes", "kind": "finding" }, { "row_id": "2024-td-bank-guilty-plea", "year": "2024", "announcement": "TD Bank guilty plea (US DOJ) — money laundering", "promised_by": "U.S. Department of Justice (October 2024); TD Bank pleaded guilty — largest Canadian bank in history to plead to money laundering. Paid $3B+ in fines.", "mandate_published": "yes — US DOJ filed and concluded", "first_named_target": "institutional — TD Bank named, fined", "first_named_prosecution_or_closure": "delivered IN U.S., not Canada. Canadian regulators (OSFI/FINTRAC) did not detect what US DOJ prosecuted; this is the \"delivered elsewhere\" datapoint that frames the 2026 federal-agency announcement.", "primary_source_urls": ["https://www.justice.gov/"], "internal_dossier_links": ["accountability.html"], "deep_link_status": "pending — DOJ press-release URL probes return 403/404 from external fetchers", "kind": "delivered_elsewhere" }, { "row_id": "2024-2026-fintrac-budget-cut", "year": "2024-2026", "announcement": "FINTRAC budget cut — -15.7% cumulative", "promised_by": "Carney Government, 2024-2026; budget reductions while FINTRAC's mandate (offshore money-laundering tracking) remained on the books. Concurrent with Brookfield-routed pension flows.", "mandate_published": "opaque — defunding executed without a public mandate change", "first_named_target": "no target — this is a removal-of-capacity row, not a new-mandate row", "first_named_prosecution_or_closure": "2026 announcement re-promises capacity that was concurrently being cut — most damning datapoint between the 2023 OAG finding and the 2026 announcement", "primary_source_urls": [ "https://www.canada.ca/en/treasury-board-secretariat/services/planned-government-spending/government-expenditure-plan-main-estimates.html", "https://www.fintrac-canafe.gc.ca/intro-eng" ], "internal_dossier_links": [ "conspiracy-board.html#fintrac_defunding", "budget-2025-analysis.html" ], "deep_link_status": "pending — per-year departmental-plan PDF lookup", "kind": "concurrent_defunding" }, { "row_id": "2026-04-28-crypto-atm-ban", "year": "2026", "announcement": "Federal crypto-ATM ban", "promised_by": "Federal Government, 2026-04-28", "mandate_published": "pending", "first_named_target": "pending", "first_named_prosecution_or_closure": "pending", "primary_source_urls": [ "https://www.cbc.ca/news/canada/toronto/canada-crypto-atm-ban-scammers-9.7180642" ], "internal_dossier_links": [], "kind": "announcement" }, { "row_id": "2026-04-30-federal-financial-crime-agency", "year": "2026", "announcement": "Federal financial-crime police agency", "promised_by": "Liberal Government, 2026-04-30", "mandate_published": "pending", "first_named_target": "pending", "first_named_prosecution_or_closure": "pending", "primary_source_urls": [ "https://www.cbc.ca/news/politics/liberals-new-police-agency-financial-crime-9.7181929" ], "internal_dossier_links": [], "kind": "announcement" } ], "summary": { "row_count": 7, "year_span": "2018-2026", "rows_by_kind": { "finding": 3, "delivered_elsewhere": 1, "concurrent_defunding": 1, "announcement": 2 }, "federal_canadian_criminal_prosecutions_of_named_officials": 0, "load_bearing_rows": [ "2024-td-bank-guilty-plea", "2024-2026-fintrac-budget-cut" ], "thesis_one_line": "Eight years of named gaps; zero federal Canadian criminal prosecutions of named officials; the only delivered enforcement was in U.S. courts; capacity was concurrently being cut while new agencies were being announced." }, "axes_in_scope": [ "money_laundering", "fraud_enforcement", "fintrac_capacity", "financial_crime_policy" ], "page_url": "https://tenet-5.github.io/financial-crime-policy-2026.html", "audit_visible": true }