Thank you, Mr. Chair.
I'd like to welcome all the witnesses and thank them for their testimony.
Professor Elgie, I really appreciated some of the points you raised. Amendments to that effect will certainly come up in the course of the debates that will be held during the clause‑by‑clause study of the bill.
My speaking time is limited and I'd like to ask the FCAC representatives some questions.
Mr. Liedtke, thank you for being here with some members of your team.
First of all, can you tell me how the decision to entrust your organization with responsibility for the framework on consumer-driven banking services came about?