Mr. Speaker, the tool we will be providing to the provinces and territories will enable them to set their own maximum rates.
We have a very good system in Quebec, and credit unions are firmly established in both rural and urban communities.
We do not have this problem in Quebec, and I think that is because the banking and credit union services provided by Desjardins are closer to the people. I hope that banking services that meet the people's credit needs will develop in other provinces.