Michael Savage

[Bank Act, October 6th, 2005]

Mr. Speaker, some people have referred to this bill as housekeeping, but I can see some members actually get choked up about it. I think that demonstrates the importance of what we are doing here.

I do not know if I have specific recommendations about how to deal with the regions. What I do have are concerns.

I must say that I feel well served as a citizen of Canada by our banking institutions and I feel very well served, individually, by the relationship that I have with my own banker, Dave MacIntosh, and the Scotiabank in Dartmouth and by the banking institutions in Nova Scotia.

However, I do believe that the centralization, particularly of decision making, of the banks has taken away the traditional banker and small businessperson relationship, where the small businessperson could come in, the banker would know that person, would know what he or she did in the community, would know his or her reputation, and would understand his or her involvement in important community activities. The banker would know the business, and know the ups and downs and the cycles of the business.

I believe we have lost that to some extent with the centralization of decision making. The loan limits that bank managers are allowed to approve at the local level has changed dramatically and I think that is a concern.

Now, fortunately, under the wisdom of the government and agencies such as the Atlantic Canada Opportunities Agency, we have been able to support small and medium sized enterprises and build the economy of Atlantic Canada and, in some cases, have gone where the banks have not gone. As well, we have had the credit unions, which are strong across the country but not quite as mature in Nova Scotia as in some of the western provinces, step in and do a very good job as well.

My recommendation to the banks would simply be to not forget that the regions of Canada provide an awful lot of support, a lot of those 600,000 employees that the hon. member mentioned before. I would also say that, for example, Scotiabank, in whatever changes it has made in Nova Scotia, has never laid off or told a person that he or she no longer had a job. So I think there is a corporate responsibility there as well.

My concern is with the centralization of decision making which should reside in the regions where people know the businesses and the individuals involved.

[Bank Act, October 6th, 2005]

Mr. Speaker, I appreciate the opportunity to speak to Bill C-57 which introduces a new governance framework for the financial services sector. Other colleagues have spoken quite eloquently about how important this bill is to bring governance standards for the financial institutions up to date. This proposed legislation would give financial institutions and their stakeholders the governance tools that they need to allow them to continue to play a key and leading role in Canada's economy. It addresses concerns that many Canadians have about corporate governance.

The financial services sector not only plays a vital role in the economy but also in the financial lives of Canadians, whether it is banking, insurance, financing, investing or financial planning. Every day across the country consumers, businesses and governments depend on the products and services provided by financial institutions. Community groups, arts and culture groups, amateur sports groups across the country also depend on these institutions. We need look no further than the CIBC run for the cure this past weekend to see how important our financial institutions are. In my own province of Nova Scotia we are proud to be the home of Scotiabank which is a leader in corporate responsibility.

I would like to focus my remarks today on the federal legislation and the initiatives the government has introduced that are designed to make the financial services sector more competitive and to enhance consumer protection. The process of implementing the new policy framework began in 1996 with the establishment of the MacKay task force on the future of the Canadian financial services sector. In September 1998 the task force presented the government with its report which was then reviewed by two parliamentary committees.

The committees in turn conducted extensive public consultations and presented the government with their recommendations. This consultation process eventually led to Bill C-8, which in 2001 introduced legislation to reform the policy framework for Canada's financial services sector. That contained a number of measures that focused on four main areas, one of which was to empower and to protect consumers.

Perhaps the most important initiative for consumers that sprung from this legislation was the establishment of the Financial Consumer Agency of Canada in 2001. This agency was established to consolidate and strengthen oversight of consumer protection measures in the federally regulated financial sector as well as to educate consumers. While some consumer protection activities existed before that, they were dispersed among a large number of federal entities making the complaint process more arduous and less responsive to the needs of Canadians. The FCAC consolidated those services.

Hon. members may also be aware of the ombudsman for banking services and investments, OBSI, which was established in 2002. The OBSI is an independent organization that investigates consumer complaints against financial service providers including banks and other deposit taking organizations, investment dealers, mutual fund dealers, and mutual fund companies. It provides prompt and impartial resolution of complaints that customers have been unable to resolve satisfactorily with their own financial services provider. For the first time in Canada customers of banking and investment services now access comprehensive and effective complaint resolution through a single ombudsman.

The OBSI is independent of the financial services industry. To ensure its independence, the ombudsman reports to a board of directors of which a majority of the directors are independent of the financial services industry. The bottom line is that consumers have benefited from the changes in the financial services sector. With new competitors in the marketplace, increased competition among existing institutions and more innovative products and services, consumers now have more choices in deciding who fulfills their financial needs.

Small and medium sized businesses too in some cases have benefited from increased choice among financial service providers. To ensure that there is better information on the financing needs of small and medium sized enterprises and the availability of financing to meet those needs, the government undertook a comprehensive program.

That program was to assist in the development of effective public policy; to promote greater awareness among small businesses of the sources and types of financing available; and to foster a more complete understanding among financing providers of the financing needs of small and medium sized businesses.

I would not suggest that I am entirely delighted with the way that all financial service institutions have responded. I think, particularly in regions of Canada like Atlantic Canada, that we could do a lot better in terms of decision making as well as presence in those regions, but we have come a long way in a lot of areas.

Although the government has introduced consumer safeguards, we have also been mindful not to place too high a regulatory burden on financial institutions. The government is equally committed to providing a policy environment that is fair and balanced.

It is important to mention that the framework for the Canadian financial services sector enacted by the government is not a static process. Rather, it is dynamic, reacting quickly in this world with the rapid pace of globalization and technological innovation that has become a daily reality for businesses in Canada.

Indeed, the policy framework for the financial services sector should be dynamic, flexible and fair. The framework provides that flexibility in three ways. It maintains, first, the long standing practice of ensuring regular updating of the regulatory framework by including an automatic five year review in the legislation, one being scheduled in 2006. This is a practice that sets Canada apart from virtually every other country in the world.

Second, as has been frequently done in the past, the government is prepared to revisit this legislation prior to the five year review if it proves necessary in order to ensure that the framework keeps pace with the rapidly changing marketplace. Finally, the legislation allows for matters of implementation to be dealt with through regulation.

What we have is a balanced framework, a regulatory approach that is well thought out and efficient, with important consumer protection measures. Both aspects are conducive to the growth and success of Canada's financial institution.

One would ask, how does Bill C-57 fit into the big picture? I believe that government policies will continue to evolve over time, so that we can keep pace with the new economy, new innovations and new technology. Bill C-57 is part of that evolution.

The proposals contained in the bill will update and modernize the framework for the financial services sector. It has broad support among stakeholder groups in the country and I believe among Canadians. I urge and expect all members will support Bill C-57.

[Health, September 27th, 2005]

Mr. Speaker, my question is for the Minister of Health.

The Prime Minister and the premiers signed the $41 billion 10 year agreement on health care one year ago this month. Reducing wait times was a centrepiece of that agreement and very important to the many Canadians and their families on those waiting lists.

Can the minister tell the House whether all parties will meet the December 31, 2005 wait times deadline?

[Canadian Broadcasting Corporation, September 26th, 2005]

Mr. Speaker, for the past six weeks the management of CBC has locked out 5,000 employees. This lockout is not only affecting workers and their livelihoods but the longer the situation is allowed to continue the more the future of the CBC is called into question.

Like other members, I have requested that the heritage committee call before it members of senior management of the CBC in order to explain to Parliament why CBC workers continue to be locked out and also to explain their mandate for the corporation as they see it. As well, some of us have also indicated that we will refuse to do CBC interviews as long as the lockout continues.

Many of us now believe the public has a right to know what is really going on. The CBC that Canadians trust is in danger of slowly disappearing. The CBC is not just another corporation, not just another service to the public, but a symbol of our country, indeed a value that we need to sustain.

I call upon the CBC management to act in good faith and to end the lockout.

[Civil Marriage Act, June 28th, 2005]

Mr. Speaker, one of the mistakes members opposite often make is to think that the extension of rights to others diminishes their own. That is not the case. Equality is not like a swimming pool with only a certain amount of room in it. If we want to have a metaphor for equality, have the metaphor of a candle: we light another candle and provide more light in the room.

We are providing new opportunities to Canadians. There are a great many heterosexual Canadians who cannot have their own children. They are adopting and finding other ways of having children. I can only speak on behalf of somebody I know personally, my godchild Rosie, who has two mothers. I do not think they are better than a heterosexual parent, but nobody will tell me that they are worse than a heterosexual parent.

The ability to parent a child is not exclusive to heterosexual or homosexual parents. There are people of all sexual backgrounds who can be quality parents for children. This extends that right to more Canadians.

[Civil Marriage Act, June 28th, 2005]

Mr. Speaker, I think it is the first time that I have had a question from the member in the House of Commons. I do not question the hon. member's sincerity. I also have no doubt about the hon. member's commitments or rights. I wish him well in his crusades. He obviously is a person of great passion. If rights are particularly important to him, I would suggest that he take advantage of this bill. If he is not voting on those other ones tonight, he should vote on this one tonight.

We all know that justice delayed is justice denied. Martin Luther King once said that a right delayed was a right denied. We can right a right tonight and vote for that right.

[Civil Marriage Act, June 28th, 2005]

Mr. Speaker, I am delighted with the news you have just given us about the passing of Bill C-43 with customary speed by the Senate. That is great news for the province of Nova Scotia as well as Newfoundland and Labrador, more than fulfilling the Prime Minister's commitment of last year.

I am honoured to speak to Bill C-38, an act to extend the right of civil marriage to gays and lesbians. I will be splitting my time with one of my favourite parliamentarians, the member for Winnipeg South Centre.

The vote that we will take tonight in just a few hours will provide equality under the law for all Canadians, those men and women, our brothers and sisters, our friends and those whom we love. This vote represents one of the most clear opportunities we are likely to have to declare our faith in the Charter of Rights and Freedoms and to support our values of inclusion, justice and dignity.

None of us here have taken this responsibility lightly. Each of us have our own reasons to vote as we see fit. I can only affirm for my part the belief that one's human dignity is non-negotiable. Our responsibility here today is to acknowledge that reality, so that through our actions as legislators we might recognize that which we all know to be true, that gays and lesbians are fully equal and that Parliament will do the right thing, in my view, this evening.

On March 21 I spoke to the issue of civil marriage and outlined my views. Today I would like to speak about the process that we have undertaken since then, having been a member of the legislative committee dealing with civil marriage, as well as the ongoing discussions and interactions I have had the opportunity to have with my constituents.

Many people have opposed the bill and many have provided reasons as to why we should not vote on the bill tonight in a positive way. I would like to address a few of those issues.

First, some have suggested that we are rushing the bill through. I think the record will show that this is not the case at all. Indeed, some members opposite have, on the one hand, suggested that we are wasting our time on this issue because there are more important issues to deal with, as if equality is not an issue of national importance. Yet on the other hand there are members who have said that this is so important that they would like even more debate.

I believe there has been more than a healthy debate in this country, going back for years. Certainly, we have had ample witnesses appear before the legislative committee and they have expressed their views. How many more bills have had this much attention? I do not think very many. The suggestion that somehow we are rushing this through rings hollow in light of that debate.

Second, an issue that has been of particular concern to me is that it has been suggested that we should not allow this law to pass because people of faith oppose the bill. In fact, we just heard the previous speaker. He is a man whom I respect and whom we know has faced certainly challenges, but has come here to cast his vote. I respect that. But to suggest that the Prime Minister does not live his faith is outrageous. It is outrageous and outdated.

As a member of the legislative committee on civil marriage, we have heard representatives from many religions. We have heard from Catholics, Evangelicals, Sikhs, Jews, Muslims and members of the United Church. There is no unanimity on this issue. Some are against the legislation and some support it.

In fact, in our committee work we heard very positively on this bill from the Unitarian Church, some Sikhs, Rabbis and from the United Church. My own faith is rooted in Catholicism. I was raised by parents who taught me that the gospel message was about love and peace through a living faith.

I support the right of those who, because of their faith, oppose this legislation, but not all people of faith have that same view. In the end we would do well not to assume any one of us have an exclusive domain on what constitutes good morals or family values.

I agree personally with the moderator of the United Church when he suggested that supporting same sex marriage is not an abandonment of faith, but an embracing of faith. This view, expressed in simple terms, captures my own approach. I have not compromised my faith in supporting this legislation. I have embraced it.

Another question raised to exclude gays and lesbians from civil marriage was that only two other countries have adopted such legislation. Why would we want to be among the first countries to do so? My answer is, where do we want to be when it comes to embracing equality and recognizing the rights of individuals? Should we strive to be in the middle of the pack or to be the last nation dragged in?

Canada takes great pride in being the first nation to have officially adopted multiculturalism as a policy. There were many opposed to that, but we look back on that with pride and as a turning point for Canada, and that is a good thing.

We are a leader in many other areas: eliminating third world debt and patenting drugs for HIV-AIDS. The fact that we are among the first is not something we should hide. It is something we should celebrate.

Another reason we have heard not to support this legislation is that gays and lesbians do not even want this. So if they do not want it, why are we putting it forward. We have had people in committee tell us that gays and lesbians do not want to be married, but there are many heterosexuals who do not want to be married either. I do not think anyone would suggest that they should not have the right.

A number of gays and lesbians have fought very hard for that right, to have their marriages recognized as equal to those of other Canadians. I salute them. I salute their fight. I salute their courage including people like the former member for Burnaby—Douglas. Today when we vote on this issue, I will be thinking of them including my sister Jane, her partner Vicki, my godchild Rosie and her sister.

Some people feel that religion will be compromised, that religion trumps equality is what we hear. In a truly civilized society religion and equality do not compete. They co-exist easily and they complement each other. No church has been forced by the Government of Canada to marry or not marry people. That has not happened. The Catholic Church, for example, can decide who can enter into the sacrament of marriage. It alone determines who is married in the Catholic Church. That is how it should be. That is how it is. That is how it will continue.

We have even heard some people suggest that our health care will be compromised if we extend the right to marry to gays and lesbians. We have heard if we allow gays and lesbians to marry there will be an increase in all kinds of diseases and HIV-AIDS. The people who suggest that have no idea what the bill is about. The bill is not about sex at all. It is about love and commitment. Anyone who suggests that allowing gays and lesbians to marry, that it will lead to a dramatic increase in levels of sexual activity, should check with their heterosexual colleagues who may be married. They may be disabused of that theory.

We have gone well beyond the issue of whether it is right or wrong for homosexuals to have sex. A great Canadian once said, “the state has no place in the bedrooms of the nation”. We have moved beyond the morality of that issue. This is not about sex. This issue is about love and commitment, and the recognition that gays and lesbians are equally qualified and equally capable of making a commitment to each other. The moral aspect is an issue we decided in this country a long time ago.

The next argument is that we should have a national plebiscite. If we had a national plebiscite on whether women should have voted, imagine the result considering that those who would have been deciding that would have been men. Or if they had a plebiscite in states like Alabama or Mississippi on whether blacks should have the vote, they still would not.

When it comes to an issue like this, the majority cannot determine the rights of the minority. Alongside the plebiscite argument are people who say we should listen to the voice of the people in our ridings and vote the way they want us to vote. I decided on this issue some time ago.

In fact, it is an issue I have supported and ran on in the last campaign when this was an issue. Rights and justice cannot be subject to a poll. Equality does not find its legitimacy in meaning through a referendum. That is not the Canadian way. I have met and spoken with hundreds of my constituents, both for and against. I have never refused a meeting with anyone because they had a different point of view and I have valued every opinion I have heard.

Today we will vote on the issue of civil marriage, Bill C-38. Today we will decide if gays and lesbians will have equal access to civil marriage as do other Canadians. This week, as we celebrate Canada Day, is a very appropriate week to vote on this issue. On Canada Day we celebrate the best of Canada, the diversity of Canada, a nation of equality, a nation of strength, a nation of compassion, a nation that believes we are stronger together than we are apart, and a nation where we celebrate equality.

Being equal does not mean that we are all the same, far from it. From those who were born here from our founding peoples, to people who came here hundreds of years ago, to people who have just recently chosen to come to this nation, we celebrate our differences. We do not all look the same. We do not all go to the same church. We do not all speak the same language. We do not all eat the same food. We are different. We celebrate those differences because those differences make us stronger. We not only encourage but celebrate those differences.

Today in this chamber we will celebrate the diversity of Canada once again. We will send a statement to the world that in Canada gays and lesbians will not be considered second class citizens. They will not be offered marriage lite; they will be offered full marriage.

When members of this House from all sides look back on this day in years to come, I believe they will see this as one step of the many steps that Canada has made to be a world leader in recognizing that one of the great privileges of freedom is equality. I am proud to support this bill.

[Forestry, June 28th, 2005]

Mr. Speaker, yesterday a fire hit the eastern shore of the Halifax regional municipality. The fire was fueled by leftover debris from hurricane Juan, debris that cannot be transported due to the quarantine zone that was established in 2000 by the CFIA as a result of the brown spruce longhorn beetle.

We were lucky yesterday. No lives were lost and damage was limited. Yesterday was a warning of what could happen if solutions are not found to the huge problem that exists for woodlot owners and residents inside that zone.

I have raised this issue in the House. It is imperative that all levels of government work together to solve this issue immediately. I have seen the damage firsthand and it is devastating. On top of the financial hardship, there is the danger of this debris as well. Broken branches, tree stumps and logs litter these properties, providing a hazard to everybody, especially children.

We must ensure that this problem is not compounded by personal tragedy such as a major fire. We need to get the wood out of the quarantine zone. We need to do it immediately. We all play a part.

[Civil Marriage Act, June 28th, 2005]

Mr. Speaker, I enjoyed my colleague's speech very much. I also enjoyed sitting on the civil marriage committee along with him and many others. I have to add my voice of commendation for the way that you, Mr. Speaker, chaired that committee and particularly the way you managed the relationship between the member for Provencher and the member for Hochelaga, which I thought showed great sensitivity.

I am proud to be standing here today in the House, proud that tonight we will indeed provide equality to gay and lesbian Canadians, something that they deserve and something whose time has come.

One of the issues that we heard a lot from witnesses in committee was about the changing roles of marriage and how marriage has changed. We have heard here today some concern from opposition members that marriage has not changed, that this is too dramatic a change. We all recall that not that many years ago blacks and whites did not marry, and Anglicans and Catholics did not marry. Marriage is an evolving process.

One of the concerns that people brought forward to the committee and other places was that Bill C-38 might lead to things such as polygamy. I wonder if the hon. member might be able to reassure Canadians that they do not have to worry about polygamy in the near future.

[High School Graduation Ceremonies, June 27th, 2005]

Mr. Speaker, over the past few days, students from four high schools in my riding of Dartmouth--Cole Harbour have attended graduation ceremonies, like their many counterparts across Canada.

This is a time of change and a time of promise for these students. I congratulate them on their success and thank their teachers for their energy and dedication to teaching.

I was disappointed that I was unable to attend the ceremonies due to responsibilities here in Ottawa. One of my favourite things to do as an MP is to visit local high schools, to engage in conversations on many subjects and to learn from students their views on such areas as equality, justice and the environment.

It is young people like Craig Jennex, valedictorian from Prince Andrew High, who spoke very eloquently and who reflected on what lies ahead for the students. Many people have commented to me on his speech and how inspiring it was, as well as student leaders like Patrick Connor and Shauna Marsh.

There will be challenges and opportunities for these students. There will be the cost of tuition and the barriers it creates for many, but as they embark on their challenges, all of us here are reminded of our duty to ensure that all Canadians have opportunities to succeed. It also reminds us to congratulate those who have reached this milestone in their lives.