If I could just add clarity, though.... In recognizing that, one of the actions that FCAC has taken in the marketplace is to insist that the service providers, the federally regulated financial institutions, create a low-cost/no-cost account where, for example, people will have no-cost e-transfers with no fees attached.
FCAC is currently working on this with the Canadian Bankers Association and the federally regulated financial institutions, and it will expand the eligibility for these low-cost/no-cost accounts to more Canadians and those who are obviously the most vulnerable to these kinds of fees. It will include more types of transactions—not just e-transfers, but all kinds of online transactions, as well as electronic payments.
There is recognition that we need to look after people when they are unable to avail themselves of those services.