The provinces have responsibility for this area right now, from the point of view of consumer protection.
In this case, Manitoba would like to more proactively pursue it. In order to do that, however, as it sets up a framework, it has to make adjustments to the actual fees being charged. The sum total of that may exceed the criminal rate of interest. Therefore, in order to proceed to regulate and apply the framework, which has already been established and is spelled out in a bill awaiting passage at the legislative level in Manitoba, it needs change at the federal level in terms of the criminal rate of interest.