I already discussed the sharing of information and the arrests.
I would move in this direction, towards a risk‑based approach. We already do this with fraud. Financial institutions don't like to lose money, of course. They certainly don't want their client members to fall victim to fraud. So we need this flexibility to manage risks, manage fraud and achieve the desired results.
We're part of the dynamics. We welcome today's initiative and the national consultation. We wholeheartedly support the government's commitment to combatting fraud. We must avoid subjecting fraud to an overly rigid regulatory framework. That would be our recommendation, with regard to both fraud and financial crime.