Maybe I can help bring some clarity to that, especially with the credit unions.
They are a big centre in the regime. When we do look at a fine, it starts with a compliance examination. As I said before, we have a risk model that selects entities for a compliance exam to see if they're fulfilling their obligation under the act. That's the extent of it. It's not an investigation.
We look at a scope, a sample. We would look at a particular scope or period of time in the transaction, and at a certain sample, and it's only in cases of very egregious non-compliance.