Mr. Frank Lofranco at the Industry, Science and Technology Committee

I can only speak to the mandate of FCAC.

These are policy decisions that rest within the purview and carriage of the Department of Finance. I can share with you that through our research and our supervisory work, any insights we generate we do share to contribute, some of which come in the form of complaints. In the case of the code, we heard merchants complaining about fees and transparency—