I believe that the Canada Mortgage and Housing Corporation is playing its role. Of course, the various roles played by the various crown corporations can always be improved. Our second recommendation is very significant with respect to accountability mechanisms that financial institutions need to build in to their own lending accountability criteria when assessing a borrower's ability to pay back credit.
If you will, Mr. Chair, I will mention briefly that in January, 14,024 Canadian families were unable to make a mortgage payment. This represents an increase of 29% relative to October. Therefore, 3,158 families were unable to pay back their mortgage loan.