There's certainly, as you said, a lot of interest in this territory. It's something that has interested a wide range of people.
OSFI, for better or worse, has no mandate in this area. We have no competence and no mandate because we're a prudential regulator and not a market conduct regulator. So we have had really no involvement in looking at the desirability of particular solutions or anything like that.
I'm well aware that there are ongoing discussions between the federal government and provinces about issues such as the ones you mentioned: opening up the Criminal Code, and are there other things that could be done? Are there more adequate forms of self-regulation with oversight by a consumer-type regulator, such as the FCAC has done federally or other groups do provincially, to look at voluntary codes and see how they're being adhered to? There is a range of issues out there. My office has no involvement in that. If we were asked to, obviously we would, but I'm not really competent to....
I'm well aware that those discussions are ongoing.