The way you present it is interesting. You say that the current framework proposed by the federal government is voluntary. Basically, Quebec institutions are being told to voluntarily integrate into the Canadian framework or isolate themselves. That's obviously what we're concerned about.
I agree with you that harmonization is necessary. These laws, regulations and frameworks must be comparable, I agree with you on that. However, there is one thing that worries me, within the federal framework. It must be said that Quebec is generally ahead in many aspects related to open banking. This is particularly the case when it comes to personal data, consumer protection, credit contracts and stress tests to test financial institutions' resistance.
In this context, how could Quebeckers agree to having a framework imposed on them that is, after all, quite weak and poorly regulated? Wouldn't you prefer to work directly with the Quebec government, so that Quebec, as it has done many times in the area of consumer protection or credit contracts, can propose a framework to the federal government that is more adapted to the Quebec situation?