Thank you.
Mr. Marion, there's a news story this morning talking about how the Toronto-Dominion Bank had to pay a $6.5-million fine for cheating—that's the word the article uses—thousands of credit card customers for decades. The article talks about the Financial Consumer Agency of Canada and that it might be a little weak.
Has your department undertaken any sort of review or provided any advice to the government about strengthening regulatory oversight in these areas, particularly through mandate reviews at the Bank of Canada, OSFI or the FCAC?