Thanks very much to the witnesses. Thank you, Chair.
I'd like to bring us back to the topic of data in the era of great interest in protecting public privacy.
I'll get us there in this way. About six months ago I visited the cyber centre of excellence in Vancouver. It's embedded in Mastercard. It's a centre that this government invested about $50 million in. They're devising techniques and algorithms that will help to identify fraud during transactions.
I learned things. For example, in cases of ported or cloned phones, Mastercard can tell, if I normally type holding my phone this way, that someone's pretending to be me because they're holding it another way. They know if I hold it this way, flat instead of up, and how hard I'm pushing on the keys, or whether I'm using two thumbs or one finger. Some of the techniques that are emerging to figure out if the right person is on the other end of that phone are incredible. That's the bank and credit card perspective.
Then there are the vendors. The vendors are also party to fraud. They're creating profiles on all of us—what time we shop, what we buy and all of those kinds of things.
There are really three parties. There are consumers, banks and vendors involved in many of these things, and everybody has data. There's all this data being generated.
Perhaps I'll begin with Mr. Mecher.
In your experience, are there adequate feedback mechanisms or data sharing between the RCMP, CRTC, banks and vendors? Are we doing a good job there? Is there required reporting? Is it required to have fraudulent transactions reported to the RCMP? Is it voluntary by the banks?
Can you say anything on the discussion of data sharing in the era of the protection of personal privacy?