Madam Speaker, I thank the member for York South—Weston for his attention today during this debate. He has asked many questions.
The first part of the question was about how simple banking fees affect consumers, whether it is the cost of mortgages, fees on a chequing account or ATM fees. Those are consumer-driven costs and are not covered by this Bank Act review. Consumers have the choice to go from bank to bank to find out what the fees are.
The other part had to do with whether the banks can put mortgages and other lending into one pile. Some of the act does cover how the banks deal with mortgages in that way. It certainly is a reason for review every five years. If new items like this do come up, they could be reviewed.