Agriculture committee  Mr. Chair and members of the committee, thank you very much for the opportunity to join you here today to talk about some of the initiatives that the Retail Council has undertaken with respect to animal welfare. Just briefly about the Retail Council, we are celebrating our 50th

Agriculture committee  I think there are a couple of aspects to your question. One, I think there certainly is an opportunity for more education, and I think part of the responsibility that everybody who sits at this table and around this room has is to provide education. At the same time, as a retail

Finance committee  Good afternoon, and thank you, Mr. Chairman. I appreciate the opportunity to present to you and your committee today. As many of you will know, the RCC's, Retail Council of Canada's members are small and large businesses across the country and represent more than 45,000 storefr

Finance committee  Certainly, a competitive landscape ensures any savings are passed along to the consumers. I think we've seen that in some of the tariff relief that has been introduced by the government, to draw an analogy. But some of our concerns are.... Indeed, there may be savings resulting f

Finance committee  Certainly in the current environment of a card-not-present transaction where the chip and PIN are not used, that is indeed why there is that premium. We understand that, and we recognize there is that need. But in a mobile environment where there is not that same risk, where ther

Finance committee  That's what we want to ensure. Right now, as mobile penetrates the market, what we're calling for is an update to the code of conduct to indicate that mobile payments would be treated as card-present, not—

Finance committee  At the present time, the members have expressed concern that we don't migrate into that card-not-present arena. As to how they're being applied right now, I'd have to get back to you on that.

Finance committee  The point we're expressing on the difference in fees is that we recognize that in those environments that are not secure there is an increased risk associated with those. But we believe that the associated risk does not transfer into a mobile environment, so because it is an auth

Finance committee  Yes, we are not arguing with the fact that there is an increase with the card-not-present transaction, whether it's the examples that I provided in my opening remarks. The point is the one we made earlier.

Finance committee  I don't have access to the amount of fraud on credit card transactions. I'm not sure if my colleague does.

Finance committee  I think indeed a role the government has is to ensure that. Let me give you an example. With iPhones, you can make web-based transactions on them right now, but you can't make mobile transactions on them. You have probably the biggest player in the smartphone arena and you don't

Finance committee  I would add to that. My short answer also would be yes. In addition, one of the challenges our members are concerned about and are talking to us about is that right now Interac is not issued by all banks in a mobile form. If you don't have what is in many cases the preferred op

Finance committee  The whole complexity issue is one that [Inaudible—Editor].

Finance committee  The concerns we have are similar, that the default must be set by the customer. The phone can't come loaded with the higher cost of the premium cards. I think co-badging is a bit of a different issue within the mobile environment because, as I mentioned, Interac Flash is not cu

Finance committee  Our council's response was one of confirmation. I think the tribunal did come forward indicating that the business practices currently in the marketplace were having a negative impact on competition. They ruled that in the strict guidelines of what the act currently has they did