This is the first day of testimony, of course, but if this committee sees a consistent theme that clients are walking into banks for some other product or service and are being consistently moved into the mutual fund investments, securities—and they might be legally separate entities, however, they're within the four walls of the bank—this committee will potentially make recommendations of what needs to be done moving forward, even if that is a collaboration with provincial entities.
Especially with consumer literacy, if the FCAC doesn't really regulate or oversee all actions within the bank, then should it not be a recommendation to really work towards essentialized oversight within the four walls of those banks?