Thank you, Mr. Chairman, and thank you, everyone, for coming this evening.
Just so we're clear, we're obviously dealing with the Bank Act today, but there is legislation dealing with Canadian payments. I think it's called the Canadian Payments Act. Is that an accurate statement?
I'm interested in the discussion we had earlier today about electronic fund transfer and a review of what could be happening there. I know there's U.S. legislation. That is something that could happen at another time, not related to this Bank Act, and could possibly be included in legislation other than this Bank Act.
Would you agree with that comment? Or what's happening in that area?