Perfect. I also hear you well.
Option consommateurs has a mandate to protect and promote Canadian consumer protection in Canada. Our association has been open for 25 years, and we are specialized in, among others, financial services, energy, and business practices.
Option consommateurs is highly preoccupied with what Mr. Douglas Melville mentioned earlier—that the banks not only choose but pay for the dispute resolution business that tries to resolve the complaints that consumers send against them. The lack of independence of such a structure, and the conflict of interest between banks and the business hired to resolve disputes against them by consumers, doesn't guarantee consumer protection in Canada and access to a neutral party.
We're asking the government to enforce that the OBSI become as it was three years ago, before TD quit. After that the Royal Bank quit the OBSI. We're asking the government that all financial institutions that are federally regulated be obligated to offer OBSI for complaint resolution by consumers.
That's our key message. We hope government will understand this, and that it is common sense.
Thank you.