Merci.
The other question I have is once again about the lack of clarity or the arbitrary nature of certain definitions.
Reading this, I can see that it would require the bank to make available low-cost or no-cost options, without really defining what that means. “No cost” is pretty clear, but what does “low cost” mean? It's not clear.
The other notion that I can't really find a clear definition on is that it provides for limits on the length of time that the bank can hold funds deposited by cheque, but once again it doesn't say how much or for how long.