Information & Ethics committee  With regard to the cases in Canada and the standards, 12 months is a standard that has been set, yes.

Information & Ethics committee  It has been used in other organizations. The courts have opined on it. You saw it with regard to Home Depot in terms of the class action there. It has been an acceptable norm in the industry and in industry practice for many years.

Information & Ethics committee  In terms of the actions.... I can't opine in terms of the standard. Each organization's breach and situation is different. We're willing to work with all Canadian consumers who have been impacted. Given the scale of the 19,000 who have been impacted here in this country, with our

Information & Ethics committee  For example, in the credit card space, there are additional safeguards for PCI compliance. We went through that in 2015 at Equifax Canada. That PCI remediation and enrichment process helped in Canada. It encrypted our data. We tokenized our data for credit cards.

Information & Ethics committee  The PCI standard policy and procedures organization.

Information & Ethics committee  For credit card information. Then there are other standards that we're regulated under, such as consumer reporting legislation, for example, which dictates where our information is stored, how it's accessed, and how we update it. There's consumer reporting legislation that dictat

Information & Ethics committee  In regard to the first part of your question, Ms. Fortier, in terms of regaining trust, we've met with most of our members, if not all, in terms of answering their questions. We met with the CBA, the Canadian Bankers Association, to ensure that their members were fully informed.

Information & Ethics committee  Sure. I can't speak to our competition's, TransUnion Canada's, revenues. There are some smaller credit bureaus, but the two major ones in Canada are Equifax Canada and TransUnion. In the U.S., Mr. Kent, as you are probably aware, there are three: Experian, TransUnion, and Equifax

Information & Ethics committee  Equifax has been around for 118 years. We fulfill a service in the community in terms of allowing people to open up small businesses or apply for their first college or university loan. We help facilitate that, and we are just one small part in that ecosystem.

Information & Ethics committee  As I mentioned in my opening statement, within 24 hours either Ms. Bernier, as our counsel, or I had contacted each of the various privacy commissioners across Canada. The OPC has an open investigation, and we are working diligently with them to answer any and all questions they

Information & Ethics committee  Yes, and we have retained counsel to defend Equifax Canada based on the claims of the class action both here and in the United States.

Information & Ethics committee  I can't even opine in terms of the.... I don't know what the backlogs or the courts are like these days. I haven't been in private practice for 10 years now. It's based on court volumes, so I wouldn't even want to fathom a guess on how long it would take to run through the courts

Information & Ethics committee  Thank you for that question, Ms. Fortier. In terms of monitoring the dark web, we are monitoring the dark web for any suspicious traffic to ensure that your information is not being traded online. Canadians can be assured that we're looking out for those 19,000 to ensure that t

Information & Ethics committee  Toni, do you want to take the second part of the question first?

Information & Ethics committee  That's the reason we're following our U.S. counterpart in terms of the lock and unlock feature of the credit file that we're rolling out next year for all Canadians in addition to the credit monitoring, where you have alerts and triggers to notify you every time somebody has touc