Thank you very much, Mr. Chair.
My thanks to the three witnesses for giving us such interesting presentations.
Mr. Boscariol, we have only just started our study and already we have begun to become aware of the situation you are describing, that is, the few resources provided to companies. We are not just talking about compiling a list of names, but also about the fact that an instruction guide has not been updated by the Office of the Superintendent of Financial Institutions for more than six years. We are realizing that there are flaws in the system that can even lead to a greater adherence to the established standards, just in order to avoid risk.
You spoke specifically about what the Americans are doing.
Is there a model we could consider that is particularly useful and easily applicable to the Canadian system?