Thank you.
We've heard a lot of testimony at this committee on a recent housing study about how CMHC policies are adding red tape, costs and delays.
One example that I'll bring up was from Ontario Aboriginal Housing Services, which said that CMHC's requirement for new housing to be built in excess of local building codes adds 7% to 8% to the total cost. It seems like there are a lot of different policies that have been developed at CMHC for people who are accessing funding for housing built above building codes.
Where did this come from? Was this from some type of mandate or direction given by the minister's office, or were these internal policies that were all developed by bureaucrats, by staff, at CMHC?