Just to underscore what Mr. Campbell has said, for many, many years we have been pressing the Government of Canada to do something about the problem of identity theft. It's a huge problem. It's growing, and unlike the United States, the Government of Canada has not acted on the problem with respect to addressing it in the Criminal Code. It's interesting when you look at the Criminal Code. There are provisions in the Criminal Code, for example, that deal with sending a telegram under a false name, but there's nothing to deal with e-mails. The fact of the matter is there's no provision in the Criminal Code that specifically addresses the identity theft problem in Canada, and I would urge the Government of Canada to look at this.
The Department of Justice has done at least a couple of consultations. They're inching towards the point where they may be proposing legislative changes to the Criminal Code. It is a significant problem. It's not enough simply to have the Criminal Code kick in when in fact a fraud has occurred. My view and the view of the Canadian Bankers Association is that the Criminal Code should get involved at the point where personal information has been misappropriated, because it's at that point where the trauma has been created for the individuals affected. It's at that point that losses do begin.
It's something that I think the Government of Canada should consider very seriously.