Mr. Speaker, the Conservative Party recognizes that Canadian families are trying to make ends meet, which is why we have lowered 160 different taxes since we came to power in 2006, giving the average Canadian family over $3,400 a year extra in its pocket at the end of every year, unlike the opposition NDP, which wants to raise taxes and implement a $20-billion carbon tax that would raise taxes on all Canadian families. Instead, what we are doing is taking action to help Canadian families.
We are ending pay-to-pay policies so that customers will not have to pay extra to receive paper bills. We are expanding no-cost basic banking services. We are working with the provinces and territories to crack down on predatory payday lenders by supporting ongoing efforts to make consumer protection regimes more robust. We are empowering consumers by requiring disclosure of the cost of different payment methods. We are taking action to end unjustified geographic price discrimination against Canadians.
These actions build on what we have already done to empower consumers, such as banning negative-option billing for financial products, making mortgage insurance more transparent, shortening cheque holding periods, and much more. The list goes on. What we are doing is helping Canadian families meet the demands of today.