Client Consent for AI Meeting Recording in Canada: A Three-Layer Guide for Advisors

Recording a client meeting with an AI note-taker triggers three separate consent and recordkeeping rules in Canada. Criminal Code section 184 makes the recording lawful when one participant in the meeting agrees. PIPEDA requires the client's meaningful consent to the collection, use, and AI processing of the personal information in the recording. CIRO's books-and-records and supervision rules apply once the meeting output enters the firm's files. Getting one yes from the client at the start of the meeting does not cover all three. This guide walks through each layer and what to say.