Knowingly making a misstatement when audited increases penalty in British Columbia case.
Bank successfully challenges incompetency ruling.
Licensee not required to pay penalty unless she re-registers.
Clients complain after former licensee presents bill of $938,000 for services rendered.
Former agent, licensed across the country, fined for three transactions made in Manitoba.
Self-disclosure not enough to depart from baseline penalties.
Former licensee claims a medical condition made him forget his incarceration for fraud.