Finance committee  I only wanted to say that when we had our seminar or colloquium in Montreal, Ira Rheingold, who was one of the speakers, said credit is a product that is sold to consumers and it is not a contract between the parties. Disclosure is therefore no substitute for clarity and caveats.

Finance committee  I want to comment, as a returning Canadian. I'm just speaking as an individual now. I was gone for 20 years, and when I came back my impeccable credit history from Lloyds Bank--which is now Lloyds Bank of Westminster, as opposed to plain old Lloyds Bank--and the UBS, in Switzer

Finance committee  Thank you. These observations on the government support programs for the Canadian financial sector and on the finances of individual consumers lead us to offer three recommendations. In order to help build consumer confidence, we recommend that the Government of Canada take ca

Finance committee  We will get that to you tomorrow morning.

Finance committee  I might add, Mr. Wallace, that we are having a conference next month on consumer indebtedness.

Finance committee  No, it will be in Montreal. We shall be very happy to invite you to come.

Finance committee  Option consommateurs has worked on this for eight years.

Finance committee  In the future, instead of a class action suit filed in provincial court, it is likely that the new procedures set out in the bill will be applied. We are proposing that the clause in the former Bill C-19 be inserted immediately before clause 74.19 and that clause 74.19 be subseq

Finance committee  Good evening. Thank you, Mr. Chair, members of the Standing Committee on Finance, Mr. Clerk of the Committee and the staff of the committee, for inviting me to appear before you this evening to discuss Part 12 of Bill C-10, that is the proposed amendments to the Competition Act.