Mr. Speaker, I thank the hon. member for once again raising the same issue that has been answered many times in this House. We are also very concerned about it. Our Minister of Finance has spoken to many of the lending institutions to raise that issue.
However, if the hon. member would wish to pass this on to his constituents, there is actually a group set up to listen to these complaints. It is the Financial Consumer Agency of Canada. It is available to all members and all Canadians online. He could help his constituents instead of asking questions to give them an answer.