Band council resolution (BCR)
Indigenous RightsA formal decision passed by an elected band council, similar to a bylaw. BCRs are often required for housing loans on-reserve, land designations, and accessing certain federal programs. If you are applying for on-reserve financing, expect to need a BCR.
Read more about this →Related terms
-
Ministerial Loan Guarantee
A federal guarantee that backs loans for on-reserve housing when land cannot be used as collateral (because reserve land cannot be seized under Section 89). Without this guarantee, most banks will not lend for on-reserve homes. Your band council must pass a BCR to support the application.
-
On-reserve
Living or working on land designated as a reserve under the Indian Act. Your location matters for finances because it affects tax exemptions (Section 87), access to housing programs (Ministerial Loan Guarantees), and property protections (Section 89).