Thank you, Mr. Chair.
I am just wondering if any of your suggestions could be done through regulation instead of amendments, because I'm thinking that regardless of what we come out with in this bill, things are going to change.
Let me give you an example of something I consider spam, which is really irritating in the banking system right now. I go online to access my bank, using my own computer and my own time and paying for the Internet service. I've paid for all of that, but when I go into my account, before I can do anything else, I have to answer a question from my bank about once or twice a month. The bank is basically trying to solicit information from me for other products and services. I have to do that before I can actually go into my own account.
As a customer, I consider that an abuse. As well, it takes my time and it's something I'm not interested in. Even if I respond with, no thanks, what they're doing is testing me all the time on different products and services I might be interested in before I can do my own banking.
So I want to see stuff like that taken care of as well, because you should have the right, if you're going into your own account, not to have to do a survey every single time, especially as you're paying for your computer, you're paying for your time on the Internet, and you're doing the bank's job.
So is there anything right now or any change in what you suggested that could go through regulation as opposed to amendments?