It's a real challenge. On the one hand, high fees mean that there are going to be more white label or other ATMs; but on the other hand, in inner-city neighbourhoods low-income people end up paying much more for limited-quality services compared to non-low-income people.
I don't think it's a simple answer of having a cap on ATM fees. It goes back to the broader question of how to promote financial inclusion. How do we boost the benefits and reduce the costs to get into the banking system for low-income people? That has to do with setting up pilots like the Community Financial Service Centre in Winnipeg, Pigeon Park Savings in Vancouver, and the Royal Bank's cash and save projects in Toronto. Those kinds of pilots are ways to experiment and learn how to bring low-income people back into the banking sector.