Tom Wappel at the Access to Information, Privacy and Ethics Committee

I would like to welcome, from the Canadian Bankers Association, Mr. Warren Law, senior vice-president; Mr. Terry Campbell, vice-president of policy; and Linda Routledge, director of consumer affairs. From the Credit Union Central of Canada, we have Gary Rogers, vice-president of financial policy; and Charlene Loui-Ying, general counsel and government relations officer for the Credit Union Central of British Columbia. Welcome to you all.

You will have an opening statement—two statements, I presume—and then we'll have our usual questioning. We already have some other issues, so we'll see how it goes.

Mr. Law, perhaps you could start.