I would say, just recognizing the limits of my own expertise, that I am here as an expert on financial sector policy, not broader criminal law. I will provide a broad response, since it would be at the discretion of FINTRAC to indicate to law enforcement where it thinks there is a violation or contravention of these provisions. Law enforcement would then exercise its discretion to investigate.
Ultimately, it would be the decision of the relevant prosecution group to pursue those charges. At every step of the way, they would assess the context and use their judgment. At the end of that, there is the judiciary, which would use its discretion at the end of the day.