Mr. Speaker, the Minister of Finance has recognized that there are some problems out there with household debt. That is why we acted.
However, we do need to clarify the misinformation that was part of that question. Equifax actually has reported that credit card debt has fallen by nearly 4% in 2012, so it was rather misleading information in the question.
We have also moved four times to tighten mortgage lending and introduced new credit card rules to protect consumers. We are on consumers' side. We are not just trying to frighten them.