Thank you, Mr. Chair.
Thank you to all of our witnesses for appearing here today.
Ms. Brisebois and Mr. Oakey, it's interesting that this seems to have gotten lost in the weeds: this was a top-of-mind issue. The changes that we put into Bill C-9 for credit cards slightly over a year ago were a top-of-mind issue. The biggest issue we were dealing with was access to credit for Canadians—for businesses, but also for consumers--and we were running into some challenges. To your credit, you highlighted the concerns of the businesses you represent. We do appreciate the efforts you've put forward.
I guess I'm still a little concerned. The minister is on record--and I'm sure you've heard him say this--that we have put in place a voluntary code, and that if it didn't work, this would be involuntary. I don't know how we can be more blunt, but I'm concerned by a comment you made that your sense is that some are not planning on complying. Have you heard that from your membership?