In terms of our supervisory role at the FCAC, we typically supervise according to the legislation and to the voluntary codes of conducts that are entered into by the industry. In terms of the credit and debit code, all of the payment card network operators are signatory to this code and agree to abide by the code. We monitor compliance with this code.
In the event that we find some issues in terms of their compliance with the code, then we report those breaches of compliance to the Minister of Finance. The Minister of Finance then has the opportunity to decide what he will do. If he finds that the problems are too prevalent, he can regulate at that point.