I'll just try to clarify the nature of these amendments, and my colleague can jump in if she wants to.
We're not proposing to set up a new agency through these amendments. Banks are currently required to be members of a third-party dispute-resolution mechanism. Over time it has happened that different banks are members of different third-party outside dispute-resolution mechanisms that have different features and that offer different levels of service, if you will.
What we are proposing to do here is to have essentially a process whereby the existing Financial Consumer Agency of Canada would assess these third-party dispute-resolution mechanisms and make recommendations to the minister as to whether or not they should qualify as acceptable under the Bank Act. So it's not that there is a new agency being created. What we're trying to do is ensure that consumers, regardless of which bank they are banking with, will have access to the same quality of third-party recourse if they have a dispute with their institution.