More specifically, have any penalties been imposed by the Financial Consumer Agency around the practice of redlining? I know you're aware of it, but this is for the public who are tuned in to the finance committee.
Redlining is a practice that the banks use to basically exclude a group or exclude a whole community from having access to loans. Often it's in communities that have to go to payday loans as a result. Payday loans, as we have seen, have absolutely scandalous interest charges that make it difficult for people, particularly indigenous people and particularly single-parent families, to ever get out of the debt load.
Is there a list of administrative penalties that have been levied against banks on redlining? Is it your sense that redlining continues as a practice, or are you confident that it is being used less often?