Finance committee  Any administrative monetary penalties that we have levied are available on our website. They are publicly disclosed. I do not have a total to provide you.

Finance committee  It's such an interesting area. We would agree that it's an area of concern. I am not aware of any AMPs being levied as a result of redlining. This is not an area that has been elevated to us. Certainly it's on our radar generally, but it's not something we have seen evidence of i

Finance committee  Off the top of my head, I'm sorry, I don't know the average time, but I will say that it's too long. In our industry study that we published in February, I think we were quite clear about that. I don't know the time, but we have made it very clear to the banks that it is too long

Finance committee  Yes, of course.

Finance committee  The data is as good as we can make it, I would say. We have no reason to suspect that it is not accurate. It is reflective of what we see in the traffic at our call centre. We continue to work with the banks to refine the data. What we have shown you is a summary. Of course we

Finance committee  I'm going to ask Teresa if she has some information on an international comparison of fees. As I say, we monitor compliance with the code of conduct, as opposed to setting fees or regulating fees. Just before we see if Teresa has something to add, I'll just say that the relatio

Finance committee  Well, we certainly do see this as a great example of why you should care about your financial resiliency. We've described that as having emergency savings or a cushion, with the ability to withstand unexpected shocks. There could be no better example than this, I would say. It is

Finance committee  I'd just like to clarify the question. Is it on the point about payday loans and the interest rate? Is that the question?

Finance committee  Thank you. We share the concern, which is why we have tried, as graphically as we can, to put that information on our website. It's not just on our website, of course; we share that through our networks and try to get that information out. We do not have authority. That's not p

Finance committee  Perhaps I'll first explain where we fit in the credit card network operators, because it's a complicated area, with many parties. The network operators like Visa, Mastercard and Interac also work with individual parties like the merchants, the banks that issue the credit cards,

Finance committee  We do have a concern about that. We are seeing an increased level in scams. I would guess everyone on this call has had those telephone calls. We have embedded alerts against fraudulent behaviour in our information and have been working to update the information with the Canadian

Finance committee  I don't have particular information about levels or targeting. I would say anecdotally that it would appear as though there has been an increase in these scams and that the response is elsewhere than the FCAC, except to say that we view it as part of our education mandate to try

Finance committee  Sure. We call it the seniors code. It was agreed to last summer, about a year ago now. It was negotiated with the Canadian Bankers Association, and all members of that association have signed on to it. We view that as an excellent first step in recognizing that there are speciali

Finance committee  That's such a great question. Thank you so much. Comparisons are difficult. We do have one international study that compared Canadian 15-year-olds internationally, so we have that, and we scored very high. Ruth will correct me if I'm wrong, but I think we were tied for second.

Finance committee  I'll take that one. Thanks, Ruth. The current situation, of course, is very difficult for all Canadians, and particularly difficult for those who had less financial resilience to start with. This is an area of concern for us. We do not have any particular insight into bankruptci