Thanks, Mr. Chair.
Welcome back, Mr. Routledge. Thank you for your service to the country and for keeping our financial system safe.
The Competition Bureau has recommended that we consider changing the stress test for people with uninsured mortgages. The government has changed the requirements or at least indicated that those who are insured don't have to do a stress test on renewal, so they can shop around and get a new, lower mortgage rate. Is OSFI considering changes?