Mr. Speaker, there is an important aspect to this issue.
There are 46 municipalities in my riding of Laurentides—Labelle. The majority of them are small municipalities that are far from major highways. There are often no financial institutions in those areas. The banks have centralized their operations where it is the most cost-effective to consolidate services. There is not even an ATM in Mont-Saint-Michel, where I am from. The owner of the corner store helps people out and allows them to make a withdrawal with a debit card. People often live an hour away from their financial institution. When they have access to an ATM, it is most likely not their bank's ATM.
Could my colleague explain some of the problems that can cause?