Mahi Sall, Advisor, Fintech-Bank Partnerships, Payments and Financial Inclusivity
January 25th, 2023
Mahi Sall is the CEO & Founder of FinXpair, a Berlin-based strategic advisory boutique firm focu[...]
Category Archives: Cyber Security, Hacks, Fraud Alerts, Risks
Ransomware Grew 45% H1 2023 Targeting Smaller Organizations
Cyber Security | Sep 27, 2023
Image: Wikimedia Commons/BlueBreezeWiki
The cyber landscape in 2023 has witnessed a significant surge in ransomware attacks, with small businesses becoming the primary targets.
According to a report from Infosecurity Magazine, ransomware attackers are increasingly targeting smaller, less defended organizations. There was a 47% increase in new victims in the latter half of 2022, with many of these being small businesses with less mature cyber postures.
Specifically, 57% of the victims of the LockBit gang, known for high-profile attacks on the Royal Mail and Taiwan Semiconductor Manufacturing Company (TSMC), were small businesses.
Many of these groups are moving away from traditional encryption-based attacks. Instead, they threaten to expose and publicize sensitive information, shifting from ransomware to pure extortion tactics.
See: Small Businesses Incur Greatest Loss of Cyber Attacks | 67% Suffer Repeat Attacks Within 12 Months
Ransomware by the Numbers
- In the first half of 2023, there was a 45.27% global increase in ransomware victim organizations, totaling 2,001.
- During the same period, the sectors most targeted by ransomware were banking, retail, and transportation.
- LockBit, a dominant ransomware since 2022, primarily targeted IT, finance, and professional services.
- Nearly 50% of all ransomware victims were US-based organizations, a significant increase of 69.94% from the second half of 2022.
- LockBit was responsible for 26.09% of all ransomware attacks, and in 2022, they accounted for one in six attacks on US government offices.
- BlackCat and Clop followed LockBit, accounting for 10.59% and 10.09% of ransomware attacks, respectively.
To counter these threats, Trend Micro recommends:
- Enabling multifactor authentication (MFA) for added security.
- Regularly backing up data and storing backups in diverse formats and locations.
- Keeping systems updated to patch vulnerabilities.
- Verifying emails before opening them to prevent phishing attacks.
- Following established security frameworks like those from the US National Institute of Standards and Technology (NIST) and the UK National Cyber Security Centre (NCSC).
See: Blakes: Cybersecurity Trends in Canada: A 2023 Perspective
The ransomware landscape in 2023 is evolving, with attackers shifting their focus to smaller businesses and adopting new tactics. Organizations must remain vigilant, adopt robust cybersecurity measures, and prioritize incident response and recovery to mitigate the impact of these threats.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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How to Safely and Securely Store Your Digital Files
Sep 22, 2023
Image: Unsplash/Viktor Talashuk
Gone are the days when you’d need huge filing cabinets and boxes of paperwork. These days, most people store documents and files through digital means, either saving them directly onto their device, using external storage or uploading them to the cloud. This is much easier and saves costs on paper, but is it safe?
While storing files on your computer is certainly easier, there are data security issues to consider. Not only that but having only digital copies of your documents could mean you run into issues if you ever lose your device or your storage becomes corrupted. However, there are ways you can safely store them and not have to worry.
Backing Up Data
One of the most important things you can do to ensure your digital files are safe is to back them up regularly. Whether you save all your files to the cloud, your device or an external storage unit, you should always back them up with at least one other copy in another location. This way, you prevent loss of data due to memory issues, lost devices or other problems.
If you do run into issues with memory, it’s not necessarily the end of the world. SD card data recovery has become a lot easier. However, making backups will still save you a lot of stress and worries should you ever have a problem. You can back up physical documents this way too, ensuring that you always have a copy ready if you need it.
Using Encryption
Encryption helps keep your data secure, preventing it from being misused if it falls into the wrong hands. Whether you’re looking to protect personal and private information, financial records or client data, you should always use encryption to prevent unauthorised users from accessing it. Although it sounds complex, encrypting your files has never been easier.
There are lots of data protection tools that do it for you, and all you need to do is safely store the password or mnemonic phrases. You can use encryption to secure the local files on your computer, tablet or phone, and it’s possible to set it up on external hard drives and USB drives too. If you’re using a cloud data system, ensure that it encrypts your files for an added layer of protection.
Be Aware of Privacy
When using the web, it’s easy to get carried away sharing information and giving apps and programs access to our files. If you’re worried about data security and protecting your digital documents, you should also be concerned about online privacy. This is especially true when you’re using free services, which often make their money by collecting data on users and selling it to ad companies.
You can stay safe and keep your documents secure by being more mindful of which apps and services you use. Check what kind of permissions you’ve given to applications on your devices, and ensure you’re not giving away all of your data. Always read through the full terms and conditions of any service you use too.
Secure Your Internet Connection
Using your device on an insecure network may result in your data being accessible to other people, which is definitely something you want to avoid. You should secure your home WiFi network and generally avoid using open networks. However, you can still use an open network safely if you know how to create an encrypted tunnel between your device and the hotspot.
While it’s rare to face attacks through WiFi networks, it’s best not to take the risk, especially if you’re worried about personal documents. As long as you use a secure connection, you should be able to safely and securely protect all your files without having to worry about losing them.
Why Data Security is Important
Data security means protecting your data from unauthorised usage. Whether it’s your personal data or you run a business that collects customer data, it’s incredibly important to secure it safely. Failing to secure it could mean your personal banking information and identity are at risk of being misused. If you run a business and fail to take data security seriously, you could face major fines.
In the modern world, cyber attacks have become more frequent as criminals look to profit from digital technology. If left unsecured, your personal data could be sold or ransomed for money. Even if you might think your personal data isn’t very interesting, you never know how it may be used against you if it falls into the wrong hands.
See: Small Businesses Incur Greatest Loss of Cyber Attacks | 67% Suffer Repeat Attacks Within 12 Months
You can secure your data correctly by focusing on physical, network and system security. This means having special measures in place to restrict physical and online access to your files. You can use stronger passwords, encryption and firewalls to improve security.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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MGM Resorts Faces Major Ransomware Attack in Las Vegas
Cybersecurity | Sep 18, 2023
Image: Unsplash/David Vives
MGM Resorts fell victim to a debilitating ransomware attack. The impact was widespread, affecting several of its properties, notably the iconic MGM Grand and Bellagio casinos in Las Vegas.
The recent cybersecurity breach at MGM Resorts has sent shockwaves throughout the industry, raising concerns about the vulnerability of even the most fortified systems.
The Incident and Perpetrators
- MGM Resorts, one of the largest casino owners in Las Vegas, fell victim to a significant cybersecurity attack. The first signs of the attack emerged on a Sunday evening, with guests experiencing difficulties accessing their rooms due to disabled mobile apps and digital key cards. The ramifications extended to ATMs, cashier offices, parking systems, and even slot machines.
- While the recovery process has been arduous, with MGM's digital platforms still facing issues days after the attack, the perpetrators remain a topic of debate. A group named ALPHV has claimed responsibility, citing a targeted approach via LinkedIn. However, another faction, Scattered Spiders, is also under suspicion.
- Videos circulated on social media showed video slot machines that had gone dark, and some customers reported that their hotel room cards weren't functioning. By the following Friday, booking capabilities were still down, with MGM Resorts offering penalty-free room cancellations through September 17th.
See: Small Businesses Incur Greatest Loss of Cyber Attacks | 67% Suffer Repeat Attacks Within 12 Months
- Among the affected was FTC Chairwoman Lina Khan, who, along with about 45 other guests, had to manually write down their credit card information when checking into the MGM Grand Hotel due to the reservation system's shutdown. This incident raised concerns about the protection of consumer data, especially when such high-profile individuals are involved.
Implications and Response
- The MGM breach wasn't an isolated incident. By the following Thursday, Caesars Entertainment, the world's largest casino owner, confirmed it too had been hit by a cybersecurity attack.
- While MGM Resorts' systems were still down, Caesars reported that its casino and hotel computer operations weren't disrupted. However, the company couldn't confirm the security of personal information of its vast customer base following the data breach. This series of attacks has shattered the public perception that casino security is impenetrable, requiring an "Oceans 11"-level effort to defeat.
- The financial impact can be calculated based on lost revenue and increased costs - one report calculates approximately $650k lost per hour.
- The nature and scope of the attack might indicate significant issues in the company's control system. Concerns include how so many systems were vulnerable to a single attack, potential failures in authentication procedures, and the inadequacy of backup systems and business continuity plans.
- The MGM incident has sparked discussions on the materiality of such breaches. From a quantitative standpoint, businesses need to evaluate the financial repercussions, considering lost revenues and additional costs. On the qualitative front, the nature and extent of the attack can indicate significant systemic issues that stakeholders should be made aware of.
- While the Securities and Exchange Commission's (SEC) new rules on cybersecurity attack disclosures were not applicable to this incident, they are set to be enforced by year-end, making this event all the more significant.
Lessons for the Future
The recent cyberattacks on MGM Resorts and Caesars Entertainment highlight the evolving challenges in the realm of cybersecurity. As technology continues to advance, so do the tactics and strategies of cybercriminals. The hospitality industry, with its vast troves of personal and financial data, remains a prime target. It's imperative for businesses to continually update and fortify their cybersecurity measures, ensuring the safety and trust of their patrons.
See: Zurich CEO: Cyber Attacks May Become ‘Uninsurable’
- The interconnectedness of modern systems and the risks associated with a single point of failure.
- The importance of stringent authentication procedures to prevent social engineering attacks.
- The critical role of backup systems and business continuity plans in ensuring operational resilience.
The incident emphasizes the need for businesses to adopt a proactive approach to cybersecurity, continually evaluating and updating their measures in line with evolving threats.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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SEC Accuses Binance.US of Not Cooperating With Investigation as Executives Exit
Crypto | Sep 15, 2023
Image: Unsplash/Loic Leray
Binance.US grapples with heightened SEC scrutiny and internal upheavals, marking a tumultuous phase for the leading crypto exchange
- The U.S. Securities and Exchange Commission (SEC) has accused Binance.US of not cooperating in an ongoing probe.
- The SEC alleges that the company's staking, clearing, and brokerage services violate federal securities law.
- The regulatory body is particularly concerned about Binance.US's use of Ceffu, a custody service offered by Binance's international arm. This, according to the SEC, violates a previous agreement intended to ensure that only local U.S. staff have access to funds.
Executives Exit and Internal Changes
- Adding to the complexity, key risk executives are leaving or recently exited Binance.US. company:
- Krishna Juvvadi, the head of legal;
- Sidney Majalya, the chief risk officer;
- This comes on the heels of the departure of Binance.US CEO Brian Shroder, who left the company amid layoffs of roughly a third of its workforce.
- Norman Reed, Binance.US's chief legal officer and general counsel, will step in as interim CEO.
- Reed is an alum of the SEC, having spent six years as special counsel in its market regulation division.
- His appointment follows Brian Brooks, who left the role citing differences over strategic direction.
See: SEC’s Sealed Court Filing Raises Eyebrows for Potential Binance Setback
The regulatory challenges facing Binance.US are a microcosm of the broader issues affecting the cryptocurrency industry. As the SEC tightens its grip, the company is undergoing significant internal changes, including executive departures and layoffs.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Are Your Mobile Transactions Secure?
Security | Sep 7, 2023
Image: Unsplash/Christiann Koepke
With more Canadians, especially the Gen Z demographic, opting for smartphone payments over traditional credit cards, the need for robust security measures has never been more paramount.
Mobile payments are not just a fleeting trend; they're here to stay. Recent survey results by Interac indicates a staggering 53% increase in debit mobile transactions in just one year. Furthermore, predictions suggest that in the near future, two-thirds of Canadians will find it commonplace to leave their homes without a physical wallet.
Crypto wallets and payments are on the rise too. There are a plethora of choices to suit varied needs from Trustwallet to MetaMask (Ethereum), or Coinbase Wallet (good for beginners) to crypto.com's wallet for connecting to the decentralized finance ecosystem.
Top Ways Hackers Try to Access Your Data
Here's a breakdown of the top 5 ways hackers can access your data and how you can shield yourself:
- Near Field Communication (NFC) Interception:
- How Hackers Access: Many mobile wallets use NFC and tokenization to exchange information between your phone and the payment terminal. A hacker needs to be in close proximity to intercept this data.
- Protection: Ensure your mobile wallet uses strong encryption. Only use wallets that generate a randomized sequence of numbers for each transaction, making it useless for hackers even if intercepted.
- Malicious Apps and Malware:
- How Hackers Access: Downloading malicious apps can introduce malware that exploits vulnerabilities on your phone and steals your payment information.
- Protection: Be judicious about the apps you install. Stick to trusted sources and avoid downloading unnecessary apps. Regularly update your phone's software to patch any security vulnerabilities.
- Unsecured Wi-Fi Networks:
- How Hackers Access: Conducting transactions over unsecured Wi-Fi networks can expose your data to hackers lurking on the same network.
- Protection: Always disconnect from unsecured Wi-Fi networks when making transactions. Use your mobile data or a trusted, secured network. Consider using a VPN service on iPhone or Android for an added layer of security.
- Phishing and Social Engineering Schemes:
- How Hackers Access: Cybercriminals often use deceptive tactics to trick individuals into revealing sensitive information, such as passwords or credit card details.
- Protection: Be wary of unsolicited messages or emails asking for personal information. Always verify the source before clicking on any links or downloading attachments. Educate yourself about common phishing tactics.
- Physical Access and Screen Snooping:
- How Hackers Access: If your phone is stolen or lost without proper security measures, it can be a goldmine for hackers. Additionally, prying eyes can steal your password or pin as you enter it.
- Protection: Always lock your phone with a strong password or biometric authentication. Be mindful of your surroundings and shield your screen when entering sensitive information.
See: Amazon’s Biometric ‘Pay-by-Palm’ Technology (Amazon One) is Rolling Out to All Whole Foods Stores by End of Year
Best Practices and Precautions
For Fintech Innovators:
- Digital Hygiene: Ensure that your mobile payment apps emphasize the importance of strong passwords and multifactor authentication.
- Educate Users: Regularly update users about potential threats and how to avoid them. This could be in the form of in-app notifications or emails.
- Continuous Monitoring: Implement real-time monitoring of transactions to detect and prevent any suspicious activities.
For Users:
- Avoid Public Charging Stations: These can sometimes be used to upload malware onto your phone. Always use personal chargers or invest in secure cables that only allow power to enter your device.
- Secure Wi-Fi Connections: Always ensure that your transactions are conducted over a secure network. If in doubt, switch to your wireless carrier's data.
- Monitor Your Transactions: Regularly check your transaction history for any discrepancies. Many digital wallets offer real-time notifications for every transaction, enabling users to spot unauthorized activities instantly.
See: Autonomous IoT Transactions and Micropayments
In closing, never forget the mantra 'Not your keys, not your crypto'. While the shift towards mobile transactions offers unparalleled convenience, it also brings forth new security challenges. By staying informed and adopting best practices, both fintech innovators and users can ensure that their transactions remain secure in this digital age.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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OSFI’s Expansion of Power to Supervise Non-Financial Risks for FRFIs
Regulation | Sep 7, 2023
Image: Unsplash/Brxxto
OSFI Signals New Regulatory Steps for Financial Institutions' Integrity and Security in Letter to Industry
The Office of the Superintendent of Financial Institutions (OSFI) recently announced its strategic roadmap to bolster the integrity and security of Canada's federally regulated financial institutions. This move, set to reshape the financial landscape, emphasizes the importance of both financial and non-financial risk management.
- Broadened Mandate: In June 2023, Parliament expanded OSFI's mandate, emphasizing the need for financial institutions to have robust policies and procedures against potential threats, including foreign interference.
- Annual Examinations: OSFI will conduct yearly examinations of these institutions to ensure they are equipped against threats to their integrity or security.
- Transparent Reporting: An annual report detailing these examinations will be presented to the Minister of Finance, reinforcing transparency and accountability.
- Future Guidelines: OSFI has outlined a timeline for discussions with stakeholders, the release of draft guidelines on operational risk, resilience, integrity, and security, culminating in the final guideline's release in January 2024.
See: Consultation Until Sep 20, 2023: OSFI Proposes New Guidelines for Crypto-Asset Exposures in Canada
Next Steps
- Engage and hold initial discussions with stakeholders in September 2023.
- Issue a revised draft guideline on operational risk and resilience (E-21) for consultation from September 2023 to February 2024.
- Issue a draft guideline on integrity or security for consultation from October 2023 to November 2023.
- Release the final guideline on integrity or security in January 2024.
As OSFI continues to prioritize the security and integrity of Canada's financial institutions, these new provisions signify a proactive approach to risk management. Financial entities and stakeholders should anticipate a more rigorous and transparent regulatory environment, ensuring the continued trust and confidence in the Canadian financial system.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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When Your Car Knows More About Your Love Life Than You Do!
Data Privacy | Sep 7, 2023
Image: Unsplash/Matthew Sichkaruk
A recent study by the Mozilla Foundation has unveiled some eyebrow-raising facts about modern cars. While we've all been busy worrying about our smartwatches and doorbells spying on us, our cars have silently revved up their data collection game.
Picture this: You're cruising down the highway, wind tousling your hair, belting out your favorite tunes, and feeling the freedom of the open road. But wait, did your car just wink at you? Well, not quite, but it might as well have, given how much it knows about you!
The Data-Driven Drive
According to the study, every single one of the 25 car brands researched collects more personal data than necessary. That's a whopping 100% for those who love stats! And it's not just about how often you skip that '80s playlist or your penchant for midnight drives. Some of these brands are diving deep—like, really deep. While modern cars are becoming increasingly intelligent and connected, it's essential to ensure they're also adequately insured. If you're in Toronto, you can get competitive car insurance quotes toronto to safeguard your vehicle.
Every car brand researched collects more personal data than necessary.
- Car companies have vast opportunities to collect data, surpassing even smart devices and cell phones.
- They can gather information from car interactions, connected services, car apps, and third-party sources like Sirius XM or Google Maps.
- The data collected can range from medical and genetic information to details about one's "sex life", driving habits, locations visited, and music preferences.
Love on the Road?
Now, here's where it gets juicy. Nissan, in its infinite wisdom, thinks it's essential to know about your "sexual activity." Yes, you read that right. Your car might just be your biggest gossip buddy! And not to be left behind, Kia chimes in with its interest in your "sex life." One can't help but wonder if they're planning to launch a dating app integrated into the dashboard -> Find love on the go with CarDate!
See: Insurance Industry Sitting on Treasure Trove of Big Data, As Regulators Wrestle Data Privacy
And if that wasn't enough, six car companies have expressed their desire to know about your "genetic information" or "genetic characteristics." Perhaps they're contemplating a new matchmaking feature: "Drive with someone who shares 99.9% of your DNA!" (Disclaimer: Not recommended for those looking to expand their gene pool.)
Sharing is Caring?
84% of these brands are more than happy to share your personal data with service providers, data brokers, and other unknown businesses. So, while you thought you were having a private moment singing that romantic ballad, there's a good chance a data broker somewhere is nodding along with you. And 76% say they can sell your personal data. To whom, you ask? Well, that remains the million-dollar (or perhaps, given the data, the billion-dollar) question.
Taking Control (Or Not)
While 92% of the brands give drivers little control over their data, Renault and Dacia seem to be the knights in shining armor, allowing drivers the right to have their data deleted. But let's face it, in a sea of data-hungry sharks, two fish don't make much difference.
Manipulating Consent
- Car companies often assume consent based on the use of their vehicles or services.
- Subaru, for instance, assumes that passengers have consented to data collection just by being inside a connected car.
See: The Formation of the Canadian Digital Regulators Forum and its Impact on the Digital Economy and Consumer Privacy
- Some brands, like Tesla, offer an opt-out from data collection but warn that it might reduce the car's functionality or even render it inoperable.
- Some companies, like Nissan, place the onus on the car owner to inform other users or passengers about the car's privacy policies.
Data Hubs on Wheels
Cars today are more than just vehicles; they're data hubs on wheels. And while advancements in technology can enhance our driving experience, there's a fine line between useful and just plain creepy. So, the next time you're in your car, remember to keep your secrets close and your data closer. And maybe, just maybe, avoid any risqué conversations unless you want your car to play matchmaker on your next road trip!
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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