We manage a code of conduct for federally regulated financial institutions.
By the way, feel free to jump in at any time. On day 12, I just want to make sure my answers are fulsome.
We manage a code of conduct. The code of conduct is something that we regulate and supervise very specifically. As Mr. Lofranco said, we investigate any complaints against the code if institutions are not respecting their obligations under the code. That's when we would, for instance, send a notice of non-compliance, or when we might level a fee against a bank that's not behaving and whose market conduct is out of whack with what the code of conduct expects.
The previous commissioners have levelled various non-compliance statements against different institutions and have also used the monetary penalty options on a number of occasions.