Yes, OSFI has a lot of codes of conduct, regulatory requirements and guidelines that are not really voluntary. They're mandatory once they're in force. I can tell you that the climate risk management guideline B-15, which I was very interested in, went through rounds of consultation. Now it's in force, and all financial institutions have to abide by that now, which is great.
To go back to my line of questioning, how is that code of conduct updated? Let's say we want to hold our financial institutions to a higher standard. At this moment in time, I think that all of us around the table are saying, “Hey, there are some things here, and I'm not sure they're being held to the highest standard.” To me, that's not really your role. Your role isn't to change the code of conduct. Your role is to oversee the compliance with that code of conduct, if I'm not mistaken.
However, to change that code of conduct, who is it up to? Is it the Government of Canada?