Mr. Speaker, I thank my hon. colleague for his question and his patience.
Consumers do need to make choices, and it is very difficult sometimes. He is quite correct. There is a plethora of information and small print, so it is really hard for the average person to sort that out. Therefore, it is important that governments take the opportunity, when they can, to make it easier for consumers for their own protection.
We do not regulate the day-to-day operations of banks, but we have obtained commitments from the banks to end pay-to-pay practices.
In terms of legislation or bringing it into law, or whatever needs to be done by the House to do that, as a general statement we would all like government to move more quickly. However, when one is not in government, it is always moving far too slowly. Even when one is in government, it moves more slowly than I would like in many areas. That is a function of the realities of government, the realities of bureaucracy, the realities of working to put it all together.
Yes, I agree that we should move as quickly as we can. We made the commitments and we intend to follow up on them.