Mr. Speaker, we want good things to come from the government, but the bill does not do it. The bill does not deal with the fact that credit card interest rates are one of the biggest scourges in this land. There are credit card interest rates of 30% and 40%, yet the prime rate is around 1.5% or 2%. The rest of it is pure profit. There are systems in our country that actually pick on the poor and vulnerable. Nothing in the bill would deal with those issues.
The bill, apparently, would simply create an office. Without any of the other things in the recommendations, it will not accomplish what we want it to accomplish.