Without question, it would be operationally challenging and very costly, even if it was possible—because it is not clear whether it would even be possible for an entity to be subject to multiple rules for the same issue across the country—and it certainly wouldn't be in the consumers' interest, either in a province or nationally, not to know what rules apply to them in a specific circumstance. There is no question that it would be difficult.
It's clearly not what the policy intent is. The policy intent from Parliament, historically, has been for banks that are subject to its charter and regulation to follow a certain set of rules and regulations and have a dedicated regulator, as such, and for Canadians, no matter where they are, from coast to coast to coast, to have the same protections that pertain to these issues.
Let me be clear. There are many provincial rules and legislation that fall outside of the scope of this legislation, for example, contract law that doesn't pertain to consumer issues, or business practices that don't pertain to consumers. All those will still apply. All those remedies will still apply, and other provincial legislation will still apply.