I'll end on this, Chair.
There may be a market reality to this that the banks are going to hear complaints. Because the person who believes themselves and acts and operates like a Canadian citizen, the first letter they get from the IRS saying they owe back taxes under this new intergovernmental agreement that they have with Canada, that Canadian is going to talk to their bank and say how did they possibly get my banking information in the first place? The bank will say that they passed it on to them under this intergovernmental agreement.
There may be that call-in response within the market, but if it's within our power to do this to notify under these provisions...because you raise—and I think this is fair to raise, and Mr. Keddy has done the same—those clearcut cases: an American citizen living and working in Canada with revenue coming in from some holdings in the States; everybody gets it.
The cases we're concerned with are those people who in all good faith don't file taxes in the States, because they're Canadians and haven't lived there since they were three, but the U.S. government is going to deem them American persons and they will be swept up in this and they will have their information passed on with no notification at all. Those are the folks we should be concerned about, those people who are not dual citizens, who are Canadians.
Again, on these amendments by Madam May, we'll be supportive, because if it's clarity that's being offered and clarification of the case, why not support it?