Industry committee  First of all, MasterCard, or Maestro, doesn't transfer personal data outside of Canada. That's fundamental. We're subject to PIPEDA, just as anybody else is. And keep in mind that Interac sends transactions across the border through its alliance with NYCE.

Industry committee  Not to my knowledge. I've worked at MasterCard for 14 years, and it's always been allowed.

Industry committee  In fact, that's one of the proposals we put before the CFIB.

Industry committee  As I stated earlier, there are some very good reports on that. We'll make sure they're submitted to the clerk. I think they were given to every member of Parliament. One more needs to be updated. The general data shows that rewards went down, interest rates went up, fees went up

Industry committee  Absolutely.

Industry committee  Quite the contrary. I do think there has been a breakdown in disclosure and education. And I think we need to make it clear that our debit proposition is flat fee and lower than Interac.

Finance committee  First of all, MasterCard, or Maestro, doesn't transfer personal data outside of Canada. That's fundamental. We're subject to PIPEDA, just as anybody else is. And keep in mind that Interac sends transactions across the border through its alliance with NYCE.

Finance committee  Not to my knowledge. I've worked at MasterCard for 14 years, and it's always been allowed.

Finance committee  In fact, that's one of the proposals we put before the CFIB.

Finance committee  As I stated earlier, there are some very good reports on that. We'll make sure they're submitted to the clerk. I think they were given to every member of Parliament. One more needs to be updated. The general data shows that rewards went down, interest rates went up, fees went up

Finance committee  Absolutely.

Finance committee  Quite the contrary. I do think there has been a breakdown in disclosure and education. And I think we need to make it clear that our debit proposition is flat fee and lower than Interac.

Industry committee  There are 2.4 million merchants in Canada, to use Mr. Blouin's figure. There are only 600,000 who accept MasterCard; 75% don't accept MasterCard, which means that, yes, you can run a viable business without accepting MasterCard. There is a difference between need to accept and

Industry committee  I couldn't agree with you more, and I think that's one of the breakdowns we want to address. I think that while we meant well by our customized report, apparently it's not working as well as we thought. And focusing not only on transparency of interchange, but understanding the a

Industry committee  Yes. I heard the Retail Council mention charities. As far as I know, they don't represent any. The only thing we've ever heard from charities is that credit cards represent a higher level of donation and a higher level of fulfillment—fulfillment being the most important.