First it's difficult for me to comment on a complaint that has been filed with the agency. Under the establishing legislation, the commissioner must treat all information in the agency's possession as confidential. So, the information we have received from Mr. Bouchard and the bank are confidential.
In my opening comments, I explained that there were two parts to consumer protection. On one hand, there is the regulatory system, under the FCAC, and on the other, the consumer and small business complaint resolution mechanism. It is the policy of the agency to always explain its mandate and the mandate of the Ombudsman for Banking Services and Investments to consumers. So, it is up to consumers to choose the best process for them.