That's an excellent question. We discussed this about 10 years ago when the legislation was coming out in Ontario with regard to Ontario's Bill 152, where you could put an alert on your file to say, “Please contact Ms. Carol Gray before granting credit.” She could provide her cellphone number so you could access her right away to make sure you were dealing with the right individual.
Why the Province of Ontario at that time shied away from it was because consumers wanted real-time authentication. They want real-time access to credit. Let's say you have a credit freeze on your file and you have an emergency, let's say a car accident, and you have to pay certain charges to fix your car, or you have another unfortunate situation where you need access to funds, access to credit. That freeze would totally put you out of the game in terms of accessing that credit in a real-time fashion. It would slow down the whole access to funds, especially in emergency situations.
You see in the U.S. that some of the states have shied away from that and are actually moving away from the credit freeze concept.