Mr. Speaker, I want to thank my colleague from Davenport for sharing his precious speaking time with me, because our time is very limited. This is an opposition day and we are dedicating our entire day to this topic. I am sure that he could have shared a number of thoughts from his constituents regarding the problems with these pay-to-pay fees. I want to start by reading the motion, because it is very short and clear:
That, in the opinion of the House, the government should ban all pay-to-pay practices by banks operating in Canada, through the enactment of a mandatory financial code of conduct to protect consumers.
I want to reflect on my 10 years of public life. It has already been 10 years, and I can hardly believe it myself. This fall will mark my fourth election campaign. I have met all kinds of people in these 10 years. Every single day in the past four years specifically, I have taken time to hear from the people of Beauport—Limoilou.
What I find really striking, and I am sure my colleagues have seen this too, is that people are proud of their accomplishments, whether they have raised a family, found a job, bought their first house or owned a house for 20 or 30 years. However, one constant is becoming increasingly obvious: people are complaining more and more about the rising cost of living in general and especially the countless fees they have to pay.
They also talk to us about taxes, but their main issue is the fees they have to pay left, right and centre, fees on all kinds of simple transactions, fees that businesses charge to compensate for declining revenues in highly competitive markets. However, the most offensive fees are no doubt those that make up the enormous profits of huge Canadian companies, particularly our big banks.
I am a long-time observer of the Canadian economy. I have been interested in it for 30 years, and I have seen how admirably stable our chartered banks are. However, I have also witnessed them taking advantage of people over and over, and I believe that governments are complicit because they have not done anything about it for years. That is so disappointing.
My colleague from Davenport chose to target pay-to-pay fees for paper bills. That is certainly the most offensive example of abuse on the part of the big Canadian banks. It is an outright insult to the millions of Canadians who, unfortunately, depend on paper bills. I think it is unfortunate because changes made by big businesses such as chartered banks hold people hostage and force them to change their habits or try to adapt somehow.
I currently have the great pleasure of being a member of the Standing Committee on Finance. However, for all of 2014, I was a member of the Standing Committee on Industry, Science and Technology. I am very proud of having had a front-row seat to and an active role in passing legislation to prohibit these pay-to-pay fees for getting paper copies of telephone, cellphone, or cable television bills, among others.
It was a great victory and we are very proud. We led the charge for a very long time. My colleague from Davenport spoke of our late leader, Jack Layton. I very much remember our campaign all those years ago. Our beloved Jack got in front of an automated teller machine and denounced the ever-increasing fees and the fact that people had to pay to withdraw their own money.
Before I go on, I will provide some very interesting and very important statistics to inform this debate. According to a poll by the PIAC, 33% of respondents said they were not comfortable with the idea of receiving a bill electronically. That is one in three Canadians, which is a rather significant part of the population. According to Statistics Canada, one in five Canadian households do not have Internet, but more importantly, 46% of homes with a household income of less than $30,000 a year do not have Internet. That is almost half of all the lowest-income households. Some 40% of senior Canadians do not use the Internet.
When I went door-to-door, especially as part of our campaign against eliminating door-to-door mail delivery, many people told me they supported the NDP campaign not because they felt uncomfortable or deprived at the loss of home mail delivery, but because they were thinking about their neighbours, namely seniors, households with very young children, people with reduced mobility, or people who do not use the Internet and who will end up paying a heavy price when mail is no longer delivered to their door.
It is the same in this case. Someone like me, a young 48-year old who is comfortable using the Internet, can easily make the transition. That being said, my mother does not even have a cell phone and has never used the Internet in her life. Why should she be charged for a paper invoice? That is outright robbery. My mother is far from being alone; on the contrary, many of her friends of the same or similar age are also entirely dependent on paper. With that in mind, how can a responsible government that respects all Canadians allow people to be cheated in this way, forced to pay $2 for every invoice? It might not seem like a lot, but it is huge. My mother worked for part of her life, but her retirement income is pretty modest. For her, every cent counts. How can we tolerate a government that allows this kind of outright theft? It is stealing.
I am not even talking about other charges that also seem to go up every year, or even twice a year, in the case of transaction fees. Even people who have very little income have to make a few withdrawals or a few transactions from their account. For someone like my mother, having to pay $1 or $1.50 for each transaction and $2 for a paper copy of her statement to see what is happening with her account is, quite frankly, scandalous. Any responsible government should really look at the situation and protect people from this kind of abuse.
That being said, I am very pleased to be able to speak to this issue on behalf of all Canadians, and especially my constituents in Beauport—Limoilou. This is yet another subject that we will be debating in the weeks to come and over the summer.