I think it would help the committee to understand our role in this space. That might help with your deliberations moving forward.
We have a critical role to play with respect to the protection of consumers and the protection of merchants. In the world of payment networks, we supervise compliance with the code. The code has many provisions that represent market conduct obligations. Our supervision is direct to the payment card network operators. Those payment card network operators have an obligation to ensure proper market conduct practices downstream, as we call it.