The concerns of the member for Sherbrooke are quite valid. I remember that it was our concern when we examined the issue of bank mergers in the Standing Committee on Finance a few years ago.
We realize that many of our fellow citizens no longer have access to banking services despite regulations that should oblige banks to allow them to open a bank account. Thus, they find themselves in a parallel market where they are extremely vulnerable. We have some soul searching to do with regard to banking services as public services.