Thank you.
I'll start by expressing some regret that the House business that has caused delays for the committee has made it impossible for the witness from Campaign 2000 to be with us at the moment, and I'll say thank you again to our other witnesses for their availability and their willingness to stick around despite those unforeseen delays.
To the witnesses from FINTRAC, you said that in some of the cases you identified that appeared to involve suspicious activity connected to CERB, one of the indicators was accounts to which people were depositing CERB payments under many different names. I'm wondering about this when we talk about a CERB repayment amnesty for low-income folks. We know that if somebody has stolen someone's identity in order to claim CERB...or in some cases, there were stories about people who went into seniors' blocks and told them that they were eligible—when in fact they weren't—and who were taking a certain amount of their CERB payment as a kind of fee for “helping” them access a government program. I'm using air quotes there because obviously that was fraudulent activity.
Do you believe that a repayment amnesty for low-income folks might help them be more upfront and forthright with government about what happened to them and how it happened, in order to catch some of the real fraudsters who were clearly taking advantage of people?