Finance committee  I'm not exactly aware of the specifics that you're referring to. I didn't realize that banks had sold off their credit card operations. Are you aware of any of that? I'm not aware of that, quite frankly.

Finance committee  Indeed it has. That's one that we spend quite a bit of time on, on the consumer education side, trying to remind consumers about how they should deal with their debit cards and their credit cards to reduce the risks of that. The reality is that a large part of that is not consume

Finance committee  The largest part of the behaviour is not something over which consumers have control. Somebody puts a little camera into a machine. It's really beyond the consumer's ability to control. They don't see these things, and so in that sense--

Finance committee  Certainly that happens. That does happen.

Finance committee  No.

Finance committee  That would be the same thing. Because the heading is excluding compliance matters, those again would be really beyond the jurisdiction of the agency. In that case, I'm not sure what it would be. It may be debt collection or debt collectors. I'm not really sure, to tell you the tr

Finance committee  If you are looking at the enforcement side, it is disclosure of different things. We have a variety of regulations. They deal with a variety of products, opening of accounts for example, but they are always at the end of the day about disclosure—clear, complete disclosure. So we'

Finance committee  You're putting me on the spot here, but I'll respond. I think the issue we see is that of course the world changes very quickly. The legislation and the regulations, quite frankly, don't really keep up, and what I would like to see is a more principles-based regime where we don'

Finance committee  Yes, right. There's more to it than that, but that's certainly a big piece right now, and it's a key piece. Actually, I think we're doing very well. We're in the process of taking a product that was developed by British Columbia and turning it into a web-based product so people

Finance committee  Yes. Sorry, you're talking about the number 1,096 on cheques, for example? Is that the one you're talking about?

Finance committee  I would only be guessing. I can't really tell you. What I can say is that one of the things to note about that particular table you're looking at is that these are complaints that do not include compliance matters. So I would be guessing, but I would suggest to you that these are

Finance committee  I'm going to turn that one over. I haven't been there long enough to answer that one directly myself.

Finance committee  Thank you.

Finance committee  I think our processes are exactly as you've described. When we talk about working with the industry, what we have, of course, is a discussion over exactly what the regulation means. I wasn't there at the time, but it was clearly an issue of uncertainty over what exactly the int

Finance committee  Thank you very much for that question. That's indeed a challenge for us, quite frankly. We're a small organization ourselves. What we're trying to do is expand these partnerships. Larger cities obviously tend to have more organized community associations, but we are definitely,