Thanks, Mr. Chair.
I'm going to dovetail two questions together.
You mentioned having granular information around banking and I would like to ask you to share that information with the committee. You mentioned that there are some financial institutions that aren't levelling penalties and fees. It would be very useful, I think, for this committee to know who is doing that.
Community Savings Credit Union in New Westminster, B.C. has offered zero per cent on lines of credit because of the pandemic. I'm interested in knowing, on things like lines of credit, whether other banks are doing that. On credit cards, Vancity, the largest credit union in the country, has offered zero per cent on credit cards.
To what extent do you have that granular information available to us so we can actually determine if there are any banks that are following best practices?
Then, in terms of payday loans, does the FCAC have a position on a publicly owned banking institution like the postal banking system so that those communities can actually get service from a banking sector rather than being redlined?