I appreciate your question.
I think you're exploring what happens in situations of non-compliance. There is non-compliance that we do discover among payment card network operators. We discover that through reviews and assessments we do, as well as complaints we receive. In such cases, there is one of two or three options we can pursue. On the one hand, there is the opportunity to enforce compliance with the code by way of what we call a notice of non-compliance. When we issue a notice of non-compliance, it requires remediation on the part of the entity. If there's financial harm to consumers, or in this case merchants, there's an expectation that the financial harm is addressed and the consumer or the merchant is made whole.
Oftentimes, it may be accompanied by an action plan in which the prescriptive steps to undertake the corrective action are identified. We actively monitor action plans in that regard. We do have enforcement authorities in relation to non-compliance among payment card network operators who have signed on to the code.