I'll make two points.
The first is that I think it is important that that be included in the responsibilities of the FCAC, the Financial Consumer Agency of Canada, in terms of financial institution conduct and fairness.
Secondly, I'd underscore the opportunity, building from your digital bill of rights and my submission to this committee, the very large opportunity from competition in financial services for Canadians. What I mean is digital competition in financial services, where we have an opportunity to build—appropriately protected by a digital bill of rights, which is why you rightly started there—or use the data that exists in our economy, to use a new central bank digital currency and the opportunities that come from that, to significantly improve competition.
That will have a direct impact, in my judgment, on those credit card fees and banking fees, all the while providing better service fees—