Finance committee  We send those off to the ombuds services. When people come in to complain, in any case, regardless of the complaint for which they're seeking redress, we can't deal with redress for them because we're an enforcement agency. We give everyone who calls with a complaint the appropri

Finance committee  No, we can't. If the complaint is a compliance matter, then we will look at it. But if it is not a compliance matter, then it is out of the jurisdiction of the agency to do anything about it.

Finance committee  Approximately $8 million per year.

Finance committee  Approximately.

Finance committee  For the moment, we must remember that we are really a relatively small organization. Therefore, we have a limited capacity to spend money without spending badly. We are therefore very happy with the money we currently have, and we are in a position to spend it well. We are very h

Finance committee  In actual fact, the fines—and I do not have the specific figures in front of me—would not make a very big difference. The fines are not what is important, it is rather the possibility of increasing our budget by $1.5 million per year in order to be able to put more emphasis on ed

Finance committee  We have not established specific objectives. In fact, I was saying earlier that it is difficult to establish very specific and very measurable objectives in terms of education, in general. Therefore, we have not done that. Would I like to obtain additional funding in the years

Finance committee  We were given $3 million over two years.

Finance committee  In fact, that is exactly the initiative that we are taking currently with British Columbia, that is indeed intended to reach 15, 16 and 17-year-olds. We do believe, like you, that learning at that age has life-long value.

Finance committee  There are major challenges. In British Columbia, schools must offer this type of course, where that is not necessarily the case across the country. As you know, this is a strictly provincial issue. That is why I was speaking earlier on about partners in order to better promote th

Finance committee  No, there is none whatsoever. Their mandate is quite different. We're starting to work together on advertising and consumer education. They don't really have a role in consumer education, but they would like to support the agency's work in that regard. So we're working together,

Finance committee  No. Our mandate was basically carved out from theirs.

Finance committee  Yes. There is a code on debit cards that deals directly with this matter, and if there has been identity theft or that fraudulent activity, basically the institutions hold them harmless.

Finance committee  In those circumstances, at that point in time, it's really beyond.... On a specific case, it's a redress issue. It's really not part of the mandate of the agency, so we ask the consumers to go to the ombudsman services to deal with them and to use that chain.

Finance committee  I will ask my colleague to respond in detail. I know that we collect these fees and that it is not the institutions that set a ceiling.