Sure. There are some minor things that do make it worse. One of them is that there's a deemed delivery rule in this thing now that says that once a bank mails you something, five days later it's deemed that you've received it.
Well, you might not have received it, so that's a weird little one, but the larger issue is that if there is a change such that provinces are shaken out of dealing with banking.... You have a regime in Quebec where you can't exclude liability, yet banks' terms and conditions often exclude liability for many things, so that will be lost to consumers as well.
It's not that we don't want to have a national, federal level playing field and consistent rules for everybody across the country. The trouble is that the level that's being offered in this bill is too low. It could have been higher because we expected a financial consumer code and that's not what we got. We got something quite a bit less.