Thank you, Mr. Chair. I fully agree with your last comment.
Mr. Vronces, I agree completely with you that it's urgent for the government to regulate the open banking system. You've been asking for it since 2016, and the government responded in 2018 by demonstrating its intent to move forward. However, as you pointed out, it was all repeatedly delayed afterwards.
The previous group of witnesses included representatives of the Financial Consumer Agency of Canada, the FCFA. They told us that the government had informed the FCFA that it would be responsible for the framework just before the budget was tabled.
Does that look totally extemporaneous to you?