Mr. Speaker, of course, FCAC provides a very positive role to consumers and the banking institutions. However, we are talking specifically about protecting small businesses and consumers and giving them an avenue to ensure they are not being taken by the banks. It provides those necessary rules and regulations. FCAC is looking at competition and making sure there is fair competition in the market. However, a mistake being made by the bank has nothing to do with the competition aspect. OBSI offers resolution when a bank makes a mistake.
The average small business or consumer does not have the deep pockets to take on TD or RBC, or any one of the large financial institutions. Therefore, the consumers need an organization that has those deep pockets, to challenge these guys in court, if need be, and to make sure there is some fair resolution. That is what OBSI does. That is why the government is dropping the ball in protecting consumers.