I just want to make sure I understand Mr. Chénier and Mr. McDougall.
What you're saying is that a bank could not charge less than a fair market rate of interest. It doesn't say anywhere that it cannot be 1%, or 0.5%, or 0.75% above prime rate. As long as it's above prime rate, as long as the bank is not lending money without any profit, there's nothing you can do to touch them in terms of this being an illegal loan, right?