That is why I raise the issue. There will be consultations on electronic payments, and that question will have to be explored.
The departmental officials said that, given that this was under provincial jurisdiction, since provinces are responsible for consumer issues, it is not possible to have a regulatory code. There can only be voluntary codes because those around the table have to follow regulations that come partly from the federal government and partly from the provincial level.
So this seems to me to be a valid argument. If you want more of a mandatory code, we need to find a solution.