Mr. Speaker, one of the main areas we are looking at as far as helping where the economy is concerned is small merchants who really do not know what interchange fees they are going to pay from day to day or from card to card. We need to make sure that the merchants are healthy. Merchants employ people. When people have jobs, they can purchase goods, feed their families, earn a living. That is what we want in Canada. We want people to be able to pay their bills and do it independently.
On the other hand, the member talked about the most vulnerable. One of the areas I think is most important is not to allow credit card companies to prey on vulnerable people by sending them cards they do not qualify for, sending them items they have not asked for or raising limits without having alerted them or asked their permission to raise them. People will often get letters from credit card companies congratulating them because their limit has been raised by $1,000 or whatever. If people have not asked for it, should it actually be extended? That is the type of question we should be asking.