Thank you for the question.
One big area where we're seeing some regulatory changes is around the ability for consumers in Canada to freeze or lock their credit reports so that the credit reports cannot be used for the purpose of applying for new credit accounts. That actually started fairly recently in the province of Quebec with the passage of the Credit Assessment Agents Act.
That is where we're seeing the majority of change in the regulatory environment. I'm not aware of any changes related to the data that is reported to Equifax, specifically relative to credit card products.