There are many alternative service providers that are happy to transact in Canada, even though there are less merchants. Also, we should know that there are many merchants out of the U.S. or overseas that are looking to enter Canada but don't do so because of the issues of fees and shipping. They find that restrictive.
So it's the ability to have many alternatives competing for the market—not just alternative payments, but more than a few payment processors. For example, on the credit card side, there is Moneris, and it's thin after that, right? Even if we park alternatives for a second, on the credit card side alone there is not enough competition to drop those fees down, so that needs to open up.
On the regulation side, for the debit side there is Regulation E, and for the credit card, as Professor Geist mentioned, there's Regulation Z, and there's Durbin. There are other laws in the U.S. that regulate fraud and risk, etc., so we need that as well.