It's a voluntary code of conduct. Yes, and it at least started to bring some fairness into the system, for example, by allowing merchants to get out of contracts when they change rates, which was not really allowed previous to this, but obviously we need more. We see the rates continue to go up, and we'd like to see more movement by the industry to recognize that this is time to pull back a little bit on increasing rates, going forward.
On October 28th, 2014. See this statement in context.