Thank you. That is very clear.
In committee, we can look at whether the bill should be amended to make the body's recommendations more binding. We can discuss it among colleagues.
Ms. De Bellefeuille, I like the idea of aligning the usurious rate set out in the Criminal Code with the Bank of Canada's key interest rate or economic conditions. You referred to the fact that regulatory exceptions to the usurious rate would be maintained. You said that this would enable payday lenders to offer loans.
Can you comment on that and tell us why it should be considered usurious credit?