In National or International Commerce, Does "Good Quality" Matter to You?
Remember the last time you ordered something, convinced by a vendor that the quality of their product or service was good. After receiving the goods or services, you discover the quality was nothing near what you expected and your trust was lost. For example, many consumers feel that the Canadian (and global) finance sector has a similar problem. Studies show that a significant number of Canadians (and global consumers) are dissatisfied with their current experience with their existing banking and finance providers; from customer service to failing to meet customer requirements. Implementing a Registered Quality Management System, built from the ground up, applying seminal "BlockChain" principles first discovered by the founder of MQCC, Anoop Bungay, pursuant to development of a "peer to peer electronic finance system" in the early 2000's , solves the problem of poor quality and loss of trust.
Welcome to MQCC™: The Future of Global Commerce™
Where Quality Lives™.
Registered to National (Canada) & International Standards for Quality Management: "Risk Reduction, Accountability, Transparency and Efficiency through Certified Quality Management".
MQCC: Pan-Industry, Quality, Conformity, Control Systems & TechnologyThe Money Quality Conformity Control Organization (MQCC™) [incorporated as MortgageQuote Canada Corp.] is the world leader in providing real-time transparent, accountable and efficient, OSFI/OSC(Canada), SEC®/OCC (USA), FCA/PRA (UK)) and Other Regulatory Body (IFAC/IIROC/RECA/FICOM/FSCO/MSC - Canada & International), certifiably statutory-, regulatory- and process- (SRP™) conformity, operational, reporting & audit technology to the banking & finance sector; to help businesses and organizations be more efficient and improve customer satisfaction.
In 2006, MQCC™ developed what is today, [excerpt from page 1 of this website]: the world's first internationally recognized, pan-industry, pan-functional, energy-efficient, resource-efficient, quantum computing-ready, platform agnostic (technology neutral) , bespoke, unified, defense standard, military/law enforcement-grade, turn-key, plug 'n play (PnP), end-to-end (E2E), interoperable, "secure, risk-based meta-operating system" designed to provide real-time assurance of statutory, regulatory and process conformity for any public sector (GOVERNMENT), private sector (regulated and non-regulated COMMERCE) and non-government organization (NGO). A functional system built in accordance to the MQCC Automated Artificial Algorithmic Intelligent (AAAI™) brand of pioneering self-learning, "systems-level AI". MQCC systems are founded upon seminal standards and seminal MQCC "principles of 'BlockChain'" which establishes "at-a-glance" levels of trust, accountability, transparency, responsiveness and efficiency. Empirical longitudinal studies, 12 years of annual systems audit by independent auditors and 12 years of continual registration to the National and International Quality Management System standard of 119 countries: ISO 9001:2015, empirically proves that MQCC systems and technology provide immediate benefits, may be rapidly deployed, may be scaled to any size entity; and result in increased revenue and profitability; increased cost savings; and reduced risk of loss and expenditure. Celebrating over 19 years of successful scientific-method-based primary research, discovery, development, commercialization, litigation testing, regulatory audit, regulatory scrutiny and regulatory recognition (through registration to National and International Quality Management System Standards), continual operation and continual improvement.
Patent-pending and proprietary, continually improving, world-class MQCC systems and technology creates measurable levels of efficiency, quality, trust & confidence for the three critical risk management functions of a regulated and non-regulated financial sector company: "Macro" functions: Business (Operations), Enterprise (Conformity) and Governance (Audit); and "Micro" functions: processes. All within a transparent, "BlockChain" principles-based, proof-of-work" organization conformity meta-operating system consisting of integrated internal controls for risk management, governance, legal and operational processes.
In good company. MQCC™ is the only organization in Canada's finance sector, whose risk based, unified Quality Management System technology is built on Standards that are both: recognized by 163 countries, including the Canadian Federal Government and all finance sector regulators; and registered thereto, by an Accredited Certification Body: "to safeguard consumers and users of [financial] products and services ..."
MQCC: Making the Difficult Easy Since 2006™.
Origins in Finance from 2001-2006, to present-day.
The original need/challenge/problem solved by Mr. Anoop Bungay, Founder of MQCC™, was to create an environment that makes your financial processes, "safe", "reliable" and "good" for:
This resulted in the development of a regulatory-recognized, regulator audited, unified Quality Management System (uQMS™) which was designed to enable acontinual statutory and regulatory conformity and to prevent statutory and regulatory nonconformity events, for the following scope: "provision of mortgage banking ("lending" in Canada) and mortgage brokerage services".
As improvements were continually discovered, the MQCC uQMS™ evolved into a sub-system within an overarching system of organization conformity and control, MQCC OCOS™ (also known as the brand name: "Archangel™").
At the MQCC™ Finance Division, "We do what we say and say what we do"; this approach "Makes Banking, Finance & Investing Better" Better."
MQCC™ Organization Information
Domiciled in Canada (domicile.mqcc.org) with divisions that operate at global, regional and country levels; government and non-government levels primarily within the following North American and International Equivalent, Industry Classes:
MQCC: Safer, Better and More Efficient Organizations & Processes.
Incorporated in 2006 and developer of the world's first "Principles of BlockChain"-based, commercialized, regulatory recognized, litigation tested, systems and technology.
Continually registered to an ISO 9000 Quality Management System standard since May 9, 2008 to the National and International standard of 119 countries, MQCC is also the word's most trusted "BlockChain" company.
Empirically Tested, Empirically Trusted™
MQCC Systems and Technology may be influenced by, compliant with, or registered to the:
of the following International Organizations (not a complete list):
World Trade Organization (WTO)
Organisation for Economic Cooperation and Development (OECD) & Group of Twenty (G20)
Group of Seven (G7)
The Digital 9 (D9)
United Nations (UN)
International Organization for Standardization (ISO)
MQCC.org - National, International Standard-based Global Network Integration into Canada
Integration Hierarchy is Equivalent and Applicable to 119 Countries
ISO Full Member Countries: visit MQCC.org Countries (Register with website to see)
Integration Hierarchy is Equivalent and Applicable to 119 Countries
Quality Starts at the Top: Parliament of Canada
Cabinet Directive on Regulation
In accordance with the Government of Canada's Treasury Board Cabinet Directive on Regulation ((Governor in Council, also known as Treasury Board Part B) acts as the Queen’s Privy Council for Canada in its role in approving: regulatory policies, regulations, most orders in council); Her Majesty the Queen in Right of Canada, published July 13, 2018, there are four guiding principles to Canadian federal regulatory policy (which affects other jurisdictions, including provincial, municipal and international).
Below are some excerpts from the Directive and Policy documents including: references to standards and international standards, international best practices, risk, absence of scientific certainty (the pioneering work of Mr. Anoop Bungay in the discovery, study and commercialization of "conformity science" (www.conformity.org), and sub-branches including the "principles of 'BlockChain'" are academically peerless, yet proven through over a decade of commercialization and continuous registration to ISO 9001:2000, ISO 9001:2008 and ISO 9001:2015) and effectiveness are included in the following sections, subsections, paragraphs:
5.0 Development of regulations:
5.2.6 Incorporation by reference
In accordance with the Government of Canada's Treasury Board Policy on Regulatory Development;
See Canada & Other National Governments (Government and Public Policy) page to learn more.
Quality Starts at the Top for Organizations: see Top Management Leadership & Commitment: Quality Starts at the Top (Register to read this)Regulatory Bodies include:
Additional Governing Legislation
In accordance or reference to the following Canadian legislation and related international agreements or treaties:
The Office of Consumer Affairs (OCA) promotes the interests and protection of Canadian consumers. Well-informed and confident consumers help stimulate competition and innovation in the Canadian marketplace.
Standards are technical specifications or other criteria that a product, process or service must meet. Standards provide information to consumers, manufacturers and retailers, and enhance safety, reliability and performance of the products, processes and services consumers use. Standards assure consumers about reliability or other characteristics of services provided in the marketplace. Standards also give consumers more choice by allowing one firm's products to be substituted for, or combined with, those of another.
To be credible, standards must have certain attributes:
[Our partners and clients include] National and International Standards Organizations
Standards are developed by Canada's standards development organizations (SDO) and submitted to the Standards Council of Canada (SCC) to see if they meet the criteria to become a National Standard of Canada (NSC). These criteria state the standard must: be developed by consensus of a balanced committee of stakeholders, undergo public scrutiny, be published in both official languages, be consistent with or incorporate existing international and pertinent foreign standards. Also, National Standards must not act as a barrier for trade.
On April 18, 2016, the Standards Council of Canada (SCC) has approved ISO 9000, ISO 9001 and ISO 14001 as National Standards of Canada (NSC). ISO 9000 and ISO 9001 standards help businesses of all sizes be more efficient and ensure their products and services meet customer requirements. ISO 14001 provides practical tools to help businesses manage their environmental responsibilities.
ISO 9000, ISO 9001 and ISO 14001 were all published as National Standards in Canada by CSA Group [a SDO].
A component of ISO 9000 and ISO 9001, ISO 9001:2015 is an international standard developed by the Geneva, Switzerland-based International Organization for Standardization (ISO) and conformity to the standards provides you, the consumer, with the following benefits:
There are very high standards to earn certification to ISO 9001:2015. An organization must volunteer to be audited twice per year by auditors; the MQCC's external auditor is duly accredited by the Standards Council of Canada (SCC).
ISO 9000, ISO 9001 adopted as an Organizational meta-Operating Standard for MQCC™ in 2006 and registered thereto, consecutively, each year from 2008 to today
The MQCC™ is no startup. Incorporated as MortgageQuote Canada Corp. in 2006 and continuously registered for certification to an ISO 9001 Quality Management Standard since May 9, 2008 a few years after MQCC™ adopted the ISO 9001 Quality Management Standards as a company Quality Management Systems standard The MQCC is in its 3rd generation of Quality Management System, having improved the MQCC processes from 2007 (ISO 9001:2000), to 2008 (ISO 9001:2008) and 2015 (ISO 9001:2015).
The Standards Council of Canada (SCC) is a federal Crown corporation. Its mandate is to promote efficient and effective standardization in Canada.
SCC reports to Canadian Parliament through the Minister of Innovation, Science and Economic Development Canada and oversees Canada's national standardization network. As Canada's member body to the ISO in Switzerland, it has the responsibility for overseeing the work of some registration and maintenance agencies in Canada. Learn about SCC
When was the last time you saw a finance sector company with the following logo on it's website? You haven't.
The CSA Group publishes the National Standard for Quality Management for the Standards Council of Canada.AllCanadians know the CSA Group logo and they trust CSA Group for: "it's knowledge and expertise encompass standards development; training and advisory solutions; global testing and certification services across key business areas including hazardous location and industrial, plumbing and construction, medical, safety and technology, appliances and gas, alternative energy, lighting and sustainability; as well as consumer product evaluation services."
For the first time in Canadian history, a finance sector company, namely the MQCC™, is registered to the National Standard published by CSA Group, for the scope of mortgage banking (lending in Canada) and mortgage brokerage operations.
For decades, CSA Group has been the de facto steward of the renowned ISO 9000 series of quality assurance standards. Today, on behalf of the Standards Council of Canada, we hold the secretariat for ISO/TC 176, the international committee that maintains the ISO 9000 series for global use.
Nigel H. Croft: Chairman of ISO's Technical Committee TC 176/SC 2: Comments
ISO 9001:2008 (2015), Quality Management Systems – Requirements, is undoubtedly the best known ISO standard. It is widely used as a basis for independent (“third-party”) certification to demonstrate that an organization has a quality management system (QMS)enabling it to consistently meet customer, statutory and regulatory requirements, and build confidence.
That confidence is reinforced when the competence of the certification body is attested by an accreditation body – typically there is only one recognized accreditation body per country. Accreditation bodies may in turn choose to participate in multilateral recognition arrangements, under the coordination of the International Accreditation Forum (IAF), to facilitate international trade.
Nigel H. Croft on 9 September 2011
What's the bottom line on ISO?
ISO's work makes a positive difference to the world we live in. ISO standards add value to all types of business operations. They contribute to making the development, manufacturing and supply of products and services more efficient, safer and cleaner. They make trade between countries easier and fairer. ISO standards also serve to safeguard consumers and users of products and services in general - as well as making their lives simpler. Source: ISO.org/Faq's &iso_9000_selection_and_use-2009.pdf
MQCC™ Origins: Let's Start with the Finance Sector
Whether you are a consumer or a public sector, private sector or non-government entity, in global commercial trade generally, and the finance sector specifically, many "vendor organizations" [grocery stores, hot dog stands, hospitals, banks, government departments and agencies] claim to offer a quality product or service in their websites and marketing material. Since 2008, the Money Quality Conformity Control Organization MQCC™ [a division of MortgageQuote Canada Corp.,] is the only finance, technology and consulting organization of it's kind, able to prove it offers quality through application of the "principles of BlockChain".
MQCC is able to demonstrate to General Public, Consumers, Customers, Prospective Customers, Industry, Regulators, Regulatees, Investors, Shareholders, Stakeholders, Legislators & Government that MQCC is not just adhering to good practice, the MQCC has developed systems and technology to "prove it". The world's first "BlockChain quality management system" was built by MQCC and became certified to ISO 9001:2000 on May 9, 2008. The system is trademarked as MQCC Unified Quality Management System (uQMS™ ) and is designed to assure good practice. Over 12 years of commercialization, litigation testing, system audits by independent auditors and continuous certification to ISO 9001:2015, proves that MQCC systems and technology works.
The MQCC "BlockChain quality management system" uQMS™ is certified to the International Certified BlockChain Quality Management System (CBQMS™) standard [published by the International Organization for Conformity (IOC) and MQCC] and operates within an overarching system of control designed for complex and critical macro- and micro processes, namely, the MQCC organization conformity operating system (OCOS™). MQCC OCOS™ in turn, is built in accordance to the MQCC BlockChain Conformity Management System (BCMS™) standards. A series of standards that - among other things - define the architecture and tokenization protocols that overlay and integrate the MQCC system with an internal or external sub-system on an pan-functional and pan-industry basis.
MQCC OCOS™ underlying structure is built upon "proof-of-work" artificial intelligence (AI) technology [BlockChain Zero One™] - based upon pioneering research, discovery, development and commercialization of the "principles of BlockChain", first identified by Mr. Anoop Bungay, Founder of MQCC pursuant to the need to develop a "peer to peer electronic finance system" between 2001 and 2005.
The Quality Management System component of MQCC OCOS™ is certified to meet both the rigorous 'National Standard of Canada' for Quality Management Systems, published by the CSA Group (Canadian Standards Association) and the 'American National Standard' (ANS) for Quality Management Systems published by ANSI (American National Standards Institute). The Standard is recognized and trusted by Canadians, American's and consumers in over 119 countries including UK & AU.
As of May 9, 2019 - the intellectual property and underlying suite of MQCC BlockChain™-based systems, sub-systems and technology celebrates over 12 years of continuous registration to ISO 9001:2015 and its predecessor standards. No other finance, technology and consulting sector organization in Canada or the world is able to make this claim.
In the world of ever increasing investor and consumer uncertainty, those governments and finance sector companies that are able to certifiably demonstrate that their domestic and industry operations are designed to provide safe, reliable and good products and services, will be pacesetters for the future.
MQCC™ is dedicated to "best practices"; the integrated MQCC™ unified Quality Management System uQMS™ (aka "MQCC BlockChain QMS™) allows us to manage all aspects of every transaction and meet our commitments to clients in a disciplined and professional manner. With MQCC™, you get to Trust the Process, not the Person™. Is your bank or financial institution able to say that ? If not, why not?
The Future of Commerce; the Future of Finance.™
Here are some names of businesses that shareholders and stakeholders wish had effective, certifiable quality management systems in place:
Principal Group (Canada)
Canadian Commercial Bank (Canada)
Tower Mortgage Ltd. (Canada)
Lehman Brothers (USA)
Home Capital Group Inc. (Canada and USA)
Royal Bank of Scotland
The MQCC™ suggests the following: do not become a customer, investor-shareholder, officer, director or stakeholder in a credit intermediation business unless the management and directors are able to demonstrate that the credit department (lending) has implemented an effective, certifiable quality management system (risk management system). In an industry based upon obligations, both to the regulatory bodies and general public, you owe it to yourself.
Investors-Shareholders Learn more here:Top Management (including Governing Bodies (ie: Board of Directors)) Leadership & Commitment: Quality Starts at the Top (Register to read this)
Why can't - or won't - other financial sector companies who trade in mortgages, loans, investments or related products be registered to a Quality Management Standard in order to protect their shareholders, customers and stakeholders?
After you learn about us and what we have done to help bring safety, reliability and goodness to Canada's finance sector, why not ask your current financial services provider (mortgage lender, investment advisor, wealth manager) the following:
"What has your company done to make your financial products and services safe, reliable and of good quality?"
Members of the Canadian Securities Administrators
Ontario Securities Commission (OSC) Comments
Regarding Participants in the Finance Sector:
“Strong compliance systems are critical to investor protection and market confidence,” said Jeff Kehoe, Director of Enforcement at the OSC. “We expect registrants to have effective controls in place to deal fairly with clients [....], and to correct non-compliant conduct in a timely manner.” Source
Certified to the National Standard of Canada for Quality Management, MQCC™'s technology certifiably solves this problem for OSC (and all securities regulated) organizations.)
What the Founder of MQCC™ Says:
From an investor point of view; incorporating in 2006, history proves that MQCC compounded annual growth rate of Annual Percentage Rate (APR), since 2009 - wholly 2 years after certification to an ISO 9000 family of Quality Management System standard is over 34%. Indeed, average nominal face rates range from 8% , 12%, 15%, 18% and more, with monthly payments paid to you. Further, in matters of Private Equity Mortgage (PEM®) brand of direct lending investment products and services, when it comes to an investor's principal investment, the worse does not "lose money, they gain real estate".
Further; invest some of your surplus, accumulated wealth in mortgages and generate better annual yields - with far less risk - than the market. As of September 30. 2015; over 10 years, S&P 500 has a NET TOTAL RETURN of 6.12%. Credit Suisse says between 3-6% on average, per country, over 100 years. See attached Report (Research Institute).
"Given that MQCC™ is certified to the National Standard of Canada for Quality Management, the empirical studies that form the basis of our technology and prove the levels of cost savings, revenue increase and profit increase for a finance sector organization, cannot be overlooked."
Mr. Anoop Bungay
Founder, President, CEO & Chairman; MQCC™
How much money is Quality Management able to save or earn, for an organization? Registered Users may Learn about our benefits and See the Benefits and Calculate for yourself or for your firm
To learn more about the problem in the finance sector that MQCC™'s devotion to Certified Quality Management-in-Finance, solves, please visit
Email to be Registered User
"Where Quality Lives" is a trademark of MQCC™.
The MQCC™'s Business Enterprise Quality Management System is Registered to the Canadian Equivalent of ISO 9001:2015 published by:
Canada's National Standard for Quality Management ISO 9001:2015
CSA Group: "Helping improve the safety and quality of the products and services that touch your life."
After reading all of the foregoing, ask yourself: Who would YOU trust your money with?
MQCC™: A new system, a new standard, a new benchmark in Canadian and global finance.
Yes, there is a "better way" to trust & confidence in Finance; the MQCC™ approach is your "better way".
The domain MQCC.org is the primary information page for the Money Quality Conformity Control Organization, MQCC™ incorporated as MortgageQuote Canada Corp., headquartered in Calgary, Alberta, Canada and trading in up to 119 countries. MQCC™ is an organization classified by the United Nations (UN), Department of Economic and Social Affairs (DESA), Statistics Division (UNSD) International Standard Industrial Classification of All Economic Activities (Revision 4) involved in the following industry classification sections or classes:
- Section J (Information and communication)
- Section K (Financial and insurance activities
- Class 6492 > credit granting; money lending outside the banking system
- Class 6619 > activities auxiliary to financial service activities; activities of mortgage advisers and brokers
- Section M (Professional, scientific and technical activities) This section includes specialized professional, scientific and technical activities. These activities require a high degree of training, and make specialized knowledge and skills available to users
- Section N (Administrative and support service activities)
- Section P (Education)
- Section S (Other service activities)
The North American Industry Classification System (NAICS) equivalent classification to the UNSD Classes is:
- non-depository credit intermediary
- mortgage and non-mortgage loan brokers
Similar industry equivalencies exist in all countries who participate in the United Nations.
Subject to the jurisdiction, from a governance (statutory or regulatory) perspective, MortgageQuote Canada Corp. MQCC™ business activity, namely, real-estate-secured (mortgage) intermediary activity, are deemed to be:
- a regulated activity
- non-regulated activity
- regulatory exempt activity
- free trading activity
In its country of origin, Canada, MortgageQuote Canada Corp. MQCC™'s real-estate-secured (mortgage) intermediary activity is regulated by three provincial or territorial jurisdictions:
- Alberta - regulated by the Real Estate Council of Alberta (RECA)
- British Columbia - regulated by the Financial Commission of British Columbia (FICOM)
- Ontario - regulated by the Financial Services Regulatory Authority (FSRA fka FSCO) (FSCO #12279)
MortgageQuote Canada Corp. MQCC™ may trade in other Canadian provincial or territorial jurisdictions, subject to statutory or regulatory requirements or exemptions.
In Canada, education in private equity mortgage (PEM®) subject matter, competency and proficiency credentialing is an unregulated activity. Providing advice respective specific financial transactions, might be subject to regulatory oversight.
Canada Provincial Mortgage Broker Regulators: (RECA - Alberta)(FICOM - BC)(FSCO Ontario - Brokerage License #12279). Non-Canada Residents and international visitors, please read "Website Terms of Service", below. All items with a ® or ™ symbol or, some items in UPPER CASE are registered or unregistered (common law) trademarks of MortgageQuote Canada Corp. (MQCC™) or licensed by same. Some third party trademarks are used pursuant to nominative fair use principles. See Intellectual Propertyfor full details. Deconstruction of a Claim (Internal Use Only). MQCC™Data Artifacts, Privacy (PIPEDA), Data Security, Website Terms of Service, Legal, Disclosures: Statements, Consumer Electronic Message Preferences (CEMP). Money Quality Conformity Control Organization is a registered or unregistered trademark of MortgageQuote Canada Corp. All MQCC Systems, Technologies, Services and Products conform to WFT™ MQCC BlockChain Technology.
© 2006-2020 MortgageQuote Canada Corp. MQCC™ "Proud Sponsor of the Canadian Dream"®. All rights reserved. Patent Pending. An ISO 9001:2015 Registered Company.