People have the notes in front of them, I assume.
Are there any questions?
Hearing none, I thank you very much.
We're calling up part 4, division 10. We're going out of order here at the request of officials, so we'll go to part 4, division 10, financial consumer protection framework. The witnesses will give us the clauses we need to look for in the bill.
Ms. Ryan is director general, financial institutions division, financial sector policy branch. Mr. Girard is the Director, Consumer Affairs, Financial Institutions Division. Mr. Saeedi is the Economist, Consumer Affairs, Financial Institutions Division. Ms. Goulard is the Deputy Commissioner, Financial Consumer Agency of Canada.
Welcome, all. The floor is yours.