Mr. Speaker, one of the concerns about the bill overall is, as the member has pointed out, that it is very far removed from consumer protection.
One of the things I have always been concerned about over the years because of the riding I represent is protection, particularly for low income people who, in the first place, have difficulty accessing regular services at financial institutions. The protection they have is very minimal.
I just wonder if the member could comment on whether he has had any similar experiences in his own riding where people who are on fixed or very low incomes have a very difficult time with financial institutions and they absolutely need protection.