If a lender takes an application over the telephone or via its website, or obtains an application indirectly through a mortgage broker, how can the lender comply with the requirement to provide the special information booklet at the time of application?

The Act does not contemplate these matters. It is the Director's opinion, however, that lenders taking applications over the telephone should provide the special information booklet at the earliest possible time following the receipt of an application. Additionally, it is the Director's opinion that lenders taking mortgage loan application information via the lender's website should provide the special information booklet in an electronic format not later than immediately following the receipt of a mortgage loan application.