As a first-time fintech founder preparing an MSB registration for a Canada–West Africa remittance corridor, I booked a one-hour consultation with Harrison at Substance Law, and it reshaped my entire regulatory roadmap. In sixty minutes he clarified our registration scope under both FINTRAC and the RPAA, corrected several assumptions that would have cost us months of unnecessary sequencing, and flagged an instrument we thought was mandatory but wasn't saving us real money before we spent it. What impressed me most: he answered follow-up questions by email with the same precision as the paid hour, delivered the referrals he promised the same day, and was refreshingly candid about industry realities and even about where his own services might not be the cheapest option. That kind of honesty builds trust. For any money services business navigating Canadian registration, this is exactly the specialist you want in your corner. Highly recommended.

Yves Kouassi, CEO, IvoryBridge Inc. (Edmonton)

Great services! Mr. Harrison was very helpful, he doesn’t rush you, takes his time explaining, and is very accommodating. Recommend his services to anyone that needs it.

I had a great experience working with Harrison at Substance Law. He helped me with a legal opinion for my startup, covering several complex regulatory issues related to payments, privacy, banking data, and the structure of the platform.

What I appreciated most was how practical and clear his advice was. He didn’t just explain the law — he helped identify structures that could actually work in the real world and was very straightforward when something needed to be changed or clarified.

He was also responsive, professional, and took the time to correct misunderstandings before they became bigger issues in the development of the product.

I would highly recommend Harrison to founders or businesses looking for clear, commercially minded legal advice, especially when dealing with fintech, payments, or regulatory matters.

5 stars.