Good afternoon, everyone. I call this meeting to order.
Welcome to meeting number 139 of the House of Commons Standing Committee on Industry and Technology.
Before we get started, I would ask everyone to read the cards on the table for guidelines for the use of earpieces and microphones. The purpose of these directives is to protect the health and safety of everyone, but especially of our interpreters, whom we thank for their work.
Pursuant to the motion adopted on Thursday, September 19, 2024, the committee is resuming its study of credit card practices and regulations in Canada.
I want to welcome and thank the witnesses who are taking part in today's meeting.
We have two representatives from the Competition Bureau Canada. First of all, we have Krista McWhinnie, who is the deputy commissioner of the monopolistic practices directorate. With her is Bradley Callaghan, who is the associate deputy commissioner of the policy, planning and advocacy directorate.
We also have two representatives from the Financial Consumer Agency of Canada. First, we have Frank Lofranco, deputy commissioner, supervision and enforcement branch. He is accompanied by Supriya Syal, deputy commissioner, research, policy and education branch.
Finally, we have two representatives from the Public Interest Advocacy Centre. First of all, we have Geoff White, executive director and general counsel. With him is Aya Alshahwany, who is an articling student.
Welcome.
As you know, you have five minutes for your opening remarks, and then we'll open the floor for a discussion.
Without further ado, I'll start with the Competition Bureau of Canada for five minutes.