A four-arm comparison shows that retrieval is essential for accurate statutory citation under the Ontario Residential Tenancies Act. The SFT+RAG hybrid model achieves 0.481 exact-match with zero hallucinations, outperforming base and SFT-only models, and matches a pipeline using larger, specialized models without needing more data or larger training sets. Results are based on a small, human-verified real-world evaluation set and are preliminary.