Government Operations committee  We are continuing to flesh out the program design. We are hearing the comments made by folks. That opportunity will be available to property owners without mortgages; that's very clear in the mechanisms being designed so they can also apply as well to mortgage property owners.

Government Operations committee  I can take it.

Finance committee  I'll speak to that. A year ago, we passed legislation with a very broad new consumer protection framework. That did three main things. One was to strengthen the internal practices of banks themselves in dealing with consumer protection issues—for example, requiring them to be

Finance committee  The expert panel that I referred to earlier is preparing a report to the minister. Actually, as we speak, that's in the process of being delivered. The minister will receive that report and determine next steps.

Finance committee  Mr. Chair, I can take that one. As part of our review of the financial sector statutes that we do every five years, we did a comprehensive review. One of our priority areas of recommendation was to provide greater flexibility for banks and FINTRAC to partner, either through outs

Finance committee  It's a function of the observation of vulnerabilities in the economy.

Finance committee  I think that as it's an item not directly linked to the main estimates, I would suggest that we ask OSFI to follow up by providing you with more information on that, on the rationale.

Finance committee  I can offer a comment on the difference between the stress tests. There's a stress test that is applicable for mortgages in the insured space. That has been in place for a number of years.

Finance committee  It really is to ensure that when economic circumstances change, homebuyers can still afford the homes they are in. It's another type of a buffer to support household affordability and prudence in both the lending decisions and the buying decisions of households. B-20 is a stress

Finance committee  Would you be referring to the domestic stability buffer increase recently announced?

Finance committee  There are a lot of acronyms.

Finance committee  I wouldn't think that would be an item for the main estimates, but just on the domestic stability buffer, it is a buffer that the superintendent puts in place to help domestically support systemically important banks and to deal with the range of vulnerabilities in the economy, s

Finance committee  We're in a perfect position as a fast follower, I would say. It was first implemented in the U.K. They've rolled out an open banking framework. Australia, another country with a banking system very similar to Canada's and the U.K.'s, is also moving forward on an open banking mo

Finance committee  I could try, but....

Finance committee  Sorry, do we...?