Mr. Speaker, the member has talked about Manitoba and the ability of moving forward with its consumer protection act.
What we really have is a payday lending institution that is just completely unregulated. We have certainly heard from members here today about the difficulties this can create. I certainly agree with my hon. colleague on some of the issues that we face, not only in the major centres but in smaller communities too, where the lack of access to banking and banking facilities becomes a bit difficult.
Has the member thought at all about what happens if provinces or territories choose not to regulate? Does the member have any ideas of how that would pan out with one province moving forward with regulations and, for example, the neighbouring province not?