Mr. Speaker, I thank my hon. colleague for his question, which gives me a chance to remind him of the history behind this.
The Marcotte decision called on the federal government to clarify its position on consumer protection with respect to financial institutions. That is exactly what we did. We modernized and simplified the rules in order to protect Canadian consumers. Provisions on access to basic services, provisions on business practices, and provisions for greater clarity, that is exactly what consumers in Quebec and across the country asked for, and that is exactly what we gave them.