Credit unions are essentially provincially regulated entities. There is no active legislation in the Northwest Territories or Nunavut for credit unions.
There is the possibility of developing agency-type services, for example, in a cooperative or some other kind of business. We have been looking for many years at how, as a cooperative system, we could support the development of a financial network, a credit union network, to provide community-based financial services. Legislation and capital are some of the challenges we've not been able to overcome in the short term.