Information & Ethics committee  Yes, that's where I had mentioned earlier Credit Canada Debt Solutions, a not-for-profit organization. You'll see their billboards on buses and in various mail-outs. They have commercials out and it's to help those consumers around financial literacy if they need information. The

Information & Ethics committee  I just wanted to add that I currently sit on the board as well for Credit Canada Debt Solutions, so we are working with consumers when they are in debt situations.... How do we help them consolidate? Education and financial literacy are big components of that.

Information & Ethics committee  I might just add that what we're also seeing with organized crime is that different crime groups who would compete in certain areas are actually collaborating. There could be some groups who are actually good at obtaining the identities. There are other groups of organized crime

Information & Ethics committee  John, just to add to that, like inquiries are also lumped together. So for instance, if I'm looking to purchase a home and I'm applying for a mortgage, and within a period of time, if I'm going to multiple lending institutions to apply and get the best rate for that mortgage, tha

Information & Ethics committee  I just want to add that we'd like to see some reform. It would also be in terms of the penalties to organized...and crimes. I know that these identity theft crimes oftentimes are viewed as white-collar crimes, and we'd very much like to see stiffer penalties to criminals in this

Information & Ethics committee  The only thing I would add is that oftentimes it's very difficult to quantify the numbers, because, as John mentioned, with these fictitious identities they build up their credit profile over time. Then there's a term that industry uses called “they bust out” when they have an al

Information & Ethics committee  I was going to add that it's not always a data breach. Sometimes it's rogue employees, or it could be dumpster diving. There could be less-sophisticated to the more-sophisticated data breaches. There are various ways that data could be compromised.