Mr. Speaker, let us be fair. First, that much-vaunted code of conduct is a voluntary code of conduct.
The big five banks have all said that in a few weeks, middle-class Canadians will face more pay-to-pay fees, and these are even worse than the ones the NDP forced the government to act upon last year. This is a basic issue of fairness. Does the minister really think it is fair that banks charge their customers a fee just to make a mortgage payment, a credit card payment, a student loan payment?
Where is the minister's backbone? Why is he letting the banks get away with it?