KEYS

We are always reminding members to watch their keys.

Keys are like gold. Don’t just leave them lying around the dealership during operating hours and definitely secure them after hours.

Keys have always been useful to thieves, even back in the days when you could “hotwire” a vehicle, but today, with all the tech and electronics, you simply can’t drive most of these vehicles without the key.

So if the goal is to get the key, put yourself in the mind of the crook

… don’t make it easy for them.

A recent story out of Oakville reminds us of this the hard way.

A group breaks into a dealership in the early morning hours of a Sunday, pries the lock box open with a crowbar, and grabs keys to $2 million dollars worth of high-end luxury vehicles, reportedly including a Ferrari, Porsches, Mercedes-Benzs, and BMWs.

They were clearly organized and knew where everything was. They had “cased the joint,” no doubt.

We don’t want to rub salt into the dealer’s wounds here, but what if the lockbox was not simply hanging on a wall? What if the keys were locked away in a proper safe whose location was not obvious?

Sure, the bad guys may still have ways to know where the keys are hidden, but a more secure lock-up might slow them down just enough for the police to respond to the alarms that were likely sounding all over the place. Maybe then, they could not just make the cars gone in 60 seconds?

We feel badly for this dealer who clearly did their best, but even that was not good enough when stacked up against organized criminals.

https://tinyurl.com/bddmb44x

WHEN THE RUBBER LEAVES THE ROAD

After media reports sounded the alarm over used tire recycling in Ontario, we started hearing from stakeholders asking the UCDA to join the effort to solve the problem. We asked our members to tell us what they are seeing.

https://tinyurl.com/cfh5kauy

As a result, we have been inundated by UCDA members detailing levels of concern all around the province of Ontario … from tires not being collected, to storage concerns, theft of used tires, fire hazards, environmental concerns, costs and insurance concerns.

Memories are short, but the UCDA remembers the Hagersville Tire Fire in 1990. That fire burned for over two weeks and involved 14 million tires. Firefighters from over 24 different departments risked their lives in dangerous and toxic conditions to fight the blaze at a cost, in 1990 dollars, to Ontario taxpayers of about 20 million bucks. When nearby residents were finally able to return, they, and the first responders, still had to deal with the resulting health problems, poisoned soil and economic fallout for years to follow.

It’s said that changes by the Ontario government to regulations early in 2025, lowering recycling targets from 85% to 65% of used tires collected by weight, may be part of the problem.

Whatever the cause, the collection and recycling of used tires is clearly being impacted, as companies responsible for tire recycling have stopped processing them.

This is creating a backlog in the system.

To assist our members that have repair facilities, sell new tires and collect used ones or deal with third party repairers who may be reluctant to take additional supply, we are joining a coalition of like-minded stakeholders. We wll bring this problem to the attention of those best placed to fix it, namely, the Ministry of the Environment and the recycling regulator, the Resource Productivity and Recovery Authority.

Consumers are asked to pay $5 on every new tire they buy, to ensure the safe and efficient handling of used tires. Since that sends millions towards tire producers, all that remains is to see that it is actually getting done. Sure, dealers could spend money to send these tires to landfill, but what happened to recycling, what happened to environmental concerns and most importantly,

WHAT HAPPENED TO ALL THAT MONEY?

We want to see the law enforced. We will keep members informed as this dynamic story unfolds.

FINTRAC and Money Laundering

FINTRAC applies to dealers who lease or finance in-house, and in a more indirect way, to all dealers who deal with lessors and third party finance.

Effective April 1, 2025 all dealers who finance or lease passenger class vehicles (or other vehicles valued over $100,000) are expected to report to FINTRAC, although enforcement will not begin until 2026.

A financing or leasing entity is a person or entity that is engaged in the business of financing or leasing.

A financing or leasing entity is subject to the Act and associated Regulations when they engage in the financing or leasing of:

  • property for business purposes, other than real property or immovables
  • property valued at $100,000 or more, other than real property or immovables
  • passenger vehicles in Canada

A passenger vehicle is a motor vehicle – other than an ambulance, a hearse, a motor vehicle that is clearly marked for policing activities, a motor vehicle that is clearly marked and equipped for emergency medical response activities or emergency fire response activities or a utility truck – that is designed or adapted primarily to carry no more than 10 individuals on highways and streets.

Enforcement

Enforcement gets real in 2026, so it’s very important for affected dealers to get up to speed on all of this.

The UCDA has provided useful links to guidance and training at: https://www.ucda.org/fintrac/

UCDA / KPMG Training

With respect to training, the UCDA is working with KPMG to design and make deliverable a webinar, template and the opportunity for one on one UCDA special-priced training geared towards small and medium sized dealers, as well as larger operators.

We hope to have this ready for January 2026 and there will be more details to follow.

Less Fraud … More TRUSTii

Following up on our last webinar with TRUSTii in August, we offered another session on December 4th designed to give dealers actionable insights they can implement immediately.

The free webinar helped members discover how to get ID verification right:

  • How to fix gaps in your ID verification process before
  • Ways to reduce fraud and risk in your
  • Best practices for streamlined ID verification

If you missed the webinar, look for it here: https://www.ucda.org/trustii/

The TRUSTii Solution

The solution TRUSTii offers you means, in minutes, any photo ID, drivers licence, Indian Status Card, passport, etc., can be run on the system to check if the photo and ID are real and can be trusted.

All UCDA members can access this affordable tool at: www.ucdasearches.com

UCDA members pay only $3 per completed search ($3.99 to everyone else) for basic ID verification. For an enhanced ID verification search, to search two IDs at one time for example, with more details and prior scan results, the cost is $8 ($10 for non-members).

UCDA Now Offers A Fillable Form

You asked for it, you got it!

We are thrilled to announce the launch of our latest offering—our newest digital Used Vehicle Bill of Sale, designed to make your transactions smoother and more efficient.

This easy-to-use, fillable document is perfect for handling your sales contracts providing members with a professional looking Bill of Sale (BOS).

It only costs $2.49 per bill of sale!

Exceptional value!

KEY FEATURES

Available to all members: Access is provided to members using your dealer number.

USER-FRIENDLY

No more hand bombing multipart bills of sale. Simple to complete and customize to suit your needs. Preview at any time to ensure accuracy then download the final UCDA BOS in Portable Document Format (pdf).

LOGO & DEALER INFORMATION

Your dealership logo, dealership name and address can easily be added to the BOS.

DOES THE CALCULATIONS

Sub-totals and taxes calculated automatically with over-ride capabilities if required.

POWERED BY SUREFIRESOLUTIONS.COM INC:

Provider of SureFire DMS solutions for Automotive, RV, and Marine Dealership operations in Canada. Ensuring reliability and top-notch digital performance. Existing SureFire DMS clients already have this feature included in their subscription.

Don’t miss out on this convenient new tool, crafted to support your dealership. Visit https://bos-used-41566.surefiresolutions.com/ to get started today!

WATCH FOR A DIGITAL WHOLESALE BILL OF SALE COMING IN 2026

Golf Anyone?

It’s still fall, but someone forgot to tell Mother Nature, who seems intent to bring an early taste of winter’s bite to Ontario!

In that spirit, we thought we’d cheer you all up with thoughts of the next summer to come!

And Golf, UCDA Style!!!!

UCDA’s Second Annual Golf Tournament — July 8, 2026

Last year, we raised thousands of dollars for Childhood Cancer and built great goodwill. So get ready to swing into summer — our Second Annual UCDA Golf Tournament is set for July 8, 2026.

We’re thrilled to announce that the tournament will once again take place at TPC Toronto at Osprey Valley, offering a stunning backdrop, having hosted the RBC Canadian Open last year.

Those who attended our First Annual Tournament know the course, and the clubhouse, are outstanding, now you can find out too!

Following the amazing turnout and good time at last year’s inaugural event, we’re excited to bring everyone back together for another day on the greens.

This tournament is equal parts friendly competition and hangout. It’s a perfect time for members, partners, and friends looking to connect, recharge, and maybe show off that one shot they’ll be talking about for months. Who knows, you might even make a deal out there on the links!

Expect great company, top-tier scenery, delicious food, and the usual mix of “wow, nice drive!” and “yeah… let’s pretend that one didn’t happen.”

More details, registration info, and sponsorship opportunities will be rolling out soon.

Mark your calendar and get ready — the 2026 tournament is shaping up to be something special.

www.ucda.org/ucda-golf-tournament/

Grey Case Likely Going To Trial

It looks like the Greys’ are likely to have their day in court with OMVIC on their curbsiding charges.

As reported to Members in previous Front Lines, OMVIC is getting serious about stamping out the illegal practice of nominee buying https://tinyurl.com/3kwkrm74

This is the practice of using unregistered salespeople to buy vehicles, and then flip them to exporters.

Ontario law requires such buyers to be OMVIC registered. Exporters traditionally did not register such vehicles in their name, another violation OMVIC takes issue with.

OMVIC is prosecuting such cases in Ontario courts. As previously reported, there is an interesting case on this subject, called OMVIC v. Grey.

The latest developments in the Greys’ attempt to have the charges thrown out have been met with a strong “no” at the Ontario Court of Appeal (Nov. 6, 2025) and, again, in Superior Court (Nov. 7, 2025).

Both courts are saying this must go to trial in Provincial Offences Court as originally intended by OMVIC.

This is not the end of the saga, but it’s the beginning of the end as the stay on the trial of the charges, granted on April 14th, 2025, pending the appeals, will assumedly now be lifted, unless further appeals are made.

We will continue to follow and report on this important case.

Meanwhile, for an interesting read on how the exporter and nominee “straw buyer” problem can reach into some pretty dark places, including money laundering, organized crime, tax fraud, legal and ethical violations, professional malfeasance and manufacturers’ lawsuits, see this detailed CBC story in November:

https://tinyurl.com/mwx9vfdz

Report Cybercrime and Fraud

November 6, 2025 – Ottawa, Ontario

From: RCMP National Headquarters

The Royal Canadian Mounted Police (RCMP) is announcing the launch of the Report Cybercrime and Fraud website, a new national system for individuals, businesses and organizations to report incidents of fraud and cybercrime.

Administered by the RCMP’s National Cybercrime Coordination Centre (NC3) and the Canadian Anti-Fraud Centre (CAFC), this new system serves as a central repository of fraud and cybercrime reports from across the country.

The information gathered from these reports will help police solve individual cases, disrupt cybercriminal activities, form a more complete picture of how these threats are affecting Canadians and ultimately prevent further victimization.

It is estimated that only 5 to 10% of all fraud and cybercrime incidents are currently reported in Canada, whether due to embarrassment, fear of reputational damage, or a lack of awareness of what resources are out there.

Report Cybercrime and Fraud now offers a centralized, user-friendly system for the victims and witnesses of these crimes. Remember, your report will not only help police respond to your case, but it could prevent others from falling victim.

Report Here

https://reportcyberandfraud.canada.ca/

Full News Release

https://tinyurl.com/584pufh5

UCDA Continuing Education

Education Options

Coming as of January 1, 2026, – OMVIC Certification Course Primer

A workshop for new applicants, to help prepare you to succeed when you take the OMVIC Certification Course required to become a dealer or salesperson in Ontario.

$49.99

Coming in April 2026 – OMVIC CPD Primer

A seminar to review and prepare you to succeed with the OMVIC Continuing Professional Development courses for dealers (every year) and salespeople (every two years). It’s an informal session that can be conducted via Zoom, in person, offsite or at your dealership (for groups). We can focus on topics that are important to you, such as the application of laws, financial responsibility, ethics, and professionalism.

FREE

Coming on January 1, 2026 Key Elements Primer

A seminar designed to help grandfathered registrants or anyone else required to take the Key Elements Course offered at Georgian College.

FREE

All these options can be offered virtually and, where numbers warrant, in-person.

CPD AND KEY ELEMENTS WILL BE FREE TO UCDA MEMBERS

(or salespeople registered to UCDA Member Dealers)

NOTE: Grandfathered Registrants

Take our Key Elements Primer and

  • if you are a UCDA member (or a salesperson of a Member), and
  • if you do not pass your first attempt at Key Elements
WE WILL PAY THE COST OF YOUR RE-WRITE!!!

A Value of $202.86

If you are interested in any of our educational offerings contact

education@ucda.org

or call the office at 416-231-2600 or 1-800-268-2598 and ask for Val or Sukh.

Please visit our website for more information on all of this: https://www.ucda.org/education/ucda-continuing-education/

Indian Status Cards

A “Certificate of Indian Status” card, issued by the Federal Government of Canada, Indigenous Services Canada, is the only form of identification acceptable to exempt a Status Indian from taxes on a vehicle sale or lease.

The holder of such a card only has to pay 5% on the purchase of a motor vehicle from a dealer if delivered at the dealership and will pay no tax ie. 0% if the vehicle is delivered by the dealer to an Indian Reserve. The provincial portion of the H.S.T., which is 8%, is automatically exempt at the point of sale. This applies regardless of where the Status Indian actually lives.

This is what the cards look like, there are 4 kinds you might encounter:

Laminated Certificate of Indian Status

Certificate of Indian Status “All-in-One”

Certificate of Indian Status “Pilot

Project”

Secure Certificate of Indian Status

For detailed rules please visit http://www.ucda.org/DealerInfo/StatusIndianFAQ.aspx or give our Legal Department a call anytime.

Métis and other such Aboriginal ID, membership or association cards are not issued by the Government of Canada and do not exempt the holder from paying H.S.T. on the purchase of a motor vehicle.