I don't assume that you are an expert in everything, but I was wondering about it. In my reading of the federal law, I think it is fairly comprehensive for an ombudsman. The ombudsmen do have a greater level of independence. They're not completely chosen by the banks. They can issue rulings in order to force the banks.... Obviously, the banks would like to see some rulings in their favour, but the ombudsmen are also guided by a code of ethics and conduct, and it's their job to look out.
Ombudsmen work for the federal government. They're hired and appointed by, I believe, the Privy Council, but they still criticize us, and that's good.
In a general way, for instance, I remember living in Quebec, where if at the supermarket you were overcharged by accident.... If the ticket price said $12.99 and you got to the cashier and they scanned it as $15, you would actually get the $12.99 minus $10, so really, the object would only cost you $2.99. It was a very advantageous type of consumer protection law.
I was wondering what the differences were in this instance, because I don't know myself. It's just a question of curiosity. There's no right or wrong answer, by the way.