There's a difference in alerting the consumer, which is credit monitoring, and there's an alert for the member who pulls the file.
The $5 alert is legislated in Manitoba and Ontario, and we offer it across the country. When an institution pulls that file they're mandated to receive it in an automated fashion. They would get an alert from Equifax that would read something like, “Please contact John Russo at this number before granting credit.”
Under the legislation, they then have to take reasonable steps to make sure they are dealing with John Russo and not John Fraudster, who is impersonating me. That's mandated by legislation.