Thank you, Mr. Chair, and my thanks to the witness for attending today. I apologize for the lateness because of the vote.
We heard a bit about the dispute resolution services. Some new consumer protection is being brought into this act. For instance, the maximum fine of $200,000 is being brought up to $500,000. I know some people say this is not enough, but it is increasing the fine by two and a half times. There is the government cheque-cashing policy, which is important for the unemployed, aboriginals, and seniors. There are improved confidentiality information services. There are new operational efficiencies, which we hope will bring in some customer service. We also have some new credit card rules, including consent for limit increases, which I know is a common complaint, with full disclosure to consumers who hold those cards. And there is a code of conduct for the credit and debit card industry, which hits on fairness, service, and competition.
If I'm not wrong, these changes were brought about because some of your groups brought forward complaints from consumers. Would that be fair to say?