To distinguish between the current laws as they apply to FINTRAC and Bill C-51, current laws, some of which are being revisited or reconsidered including the dollar threshold, to me are reasonable because reporting to FINTRAC is either on the basis of whether a transaction is suspicious. So we're not tackling or targeting law-abiding citizens. We're targeting suspicious activities or the size of a transaction, which creates a particular risk presumably for, again, suspicious activities. The elimination of the dollar threshold would change the situation considerably in that regard. That's point one.
Point two, Bill C-51 would also change the situation in that rather than targeting suspicious activities or transactions of high amounts, FINTRAC would be able to receive and share information based on whether that information might be relevant to its mandate which is the detection of money laundering and terrorist financing. The objective standards that currently exist would be greatly diminished and would increase the risk, again, that the information of law-abiding citizens would be caught by supervision.