As we mentioned before, it would be quite helpful to consumers to have a one-stop shop. It may not always be clear to lawmakers, but consumers often don't know who is responsible for helping them, depending on the credit product they have. If their credit product is federally regulated, they have access to federal protections, but if it's not and they only have access to provincial consumer protections, they are not necessarily credit card targeted or written with credit cards in mind.
Often, it's only when you have a problem that you realize you don't know where to go, or maybe you're being sent between different places. An out-of-the-box idea would be that if you have an issue with your credit card, there is one place to go to and one place that will answer your questions.