Mr. Speaker, what the hon. member is overlooking is that there have already been breaches of the voluntary code of conduct. Yes, there was some reaction, but consumers are still having to pay the brunt of this bill. When small businesses have to start increasing their costs of a product because Visa and MasterCard have decided to increase their use of premium cards, which actually cost businesses more, we all pay.
A voluntary code of conduct does not have enough teeth right now to ensure that the large multinational banks, Visa and MasterCard, are there to protect the interests of small businesses. The voluntary code of conduct does not go far enough. We have already seen on numerous occasions that there have been breaches.
If this is what is happening now, what is going to happen in the future? The government has not corrected this and the voluntary code is not working.