The only area of duplication that we're dealing with, in our view, at least in Bill C-12, is mandatory enrolment. Again, mandatory enrolment is important. It's important that FINTRAC know its reporting entity base, but our members already have a strong relationship with FINTRAC and are already well known to FINTRAC. All of the relevant information is already collected and maintained by OSFI.
It is a duplication to have our members register both with FINTRAC and with OSFI. This is the only area where we see a need for a minor technical amendment to avoid duplication, but again, we do not want our comments to be confused with not supporting mandatory enrolment.