Finance committee  The costs are not regionally neutral. The costs are spread across the country. Alberta may have a lower risk than B.C. does, but it's the same cost to refinance a home—an uninsured mortgage, too—or to purchase a home with 20% down or more, for somebody from British Columbia as it

Finance committee  I can take that question if you like. In most cases, it is common knowledge or common behaviour for government to consult the industry. I can speak on behalf of Mortgage Professionals Canada, which has been a witness at this committee before. On a regular basis, they were consul

Finance committee  In Alberta, no, but we work very closely with our national association and yes, they are usually consulted.

Finance committee  Absolutely. I can speak on behalf of Albertans. My colleague Katie testified that for the past two years Alberta has been suffering. Unlike the rest of Canada, we were a hot market for many years, and for the past two years we've seen the complete opposite, a reversal of our fort

Finance committee  I was explaining why we should be consulted.

Finance committee  I still feel that you can speak to associations in confidence. Even if you need to close the meeting, I still feel that you need to be able to consult professionals. We are experts in our field, and we're here for a reason.

Finance committee  It was communicated to the broker industry through an email to the industry.