Mr. Speaker, we have worked hard for a long time to develop the credit card code of conduct. This involved consultations with consumer groups and small business groups. It has been very well received by the various business groups, particularly the small business groups. It is a way of regulating the market in a voluntary way.
We have made it clear that there must be compliance. I am happy to say there has been general compliance. We have had a couple of instances where we have stepped in, but then we have had compliance to the credit card code of conduct.