Mr. Speaker, I am not so much critical of the banks, although I have been, for sure. I am more critical of the Conservative government. It had an opportunity. The government said it would act on the opportunity in 2013 to ban pay to pay, and it did not do it. It said it would ban pay to pay in 2014, and the Conservative government did not do it.
Every year that costs Canadians $180 million in pay-to-pay fees, and times two, it is $360 million. That is how much Canadians, including Newfoundlanders and Labradorians, have had to pay because the Conservative government, which is so supportive of this motion, failed to act.