Finance committee  Sure. Thank you, Commissioner. We do oversample target populations in order to identify challenges for vulnerable groups. That is a regular way that we collect research data. Sometimes it's difficult because of small population size, but we do tend to oversample so that we have

Finance committee  No, we do collect provincial data and territorial data, but sometimes we have to aggregate it on a regional basis. In terms of specific vulnerable subgroups, we will tend to oversample rural Canadians, for example, or indigenous communities so that we have enough to report on spe

Finance committee  I have that. In terms of the overall population, 2% of Canadians used a payday loan over the previous 12 months. Then you will see that percentage rising for a specific vulnerable subgroups. For example, in low-income households, 4% of low-income households used payday loans. Amo

Finance committee  I could speak to the demographics that are struggling to make ends meet. Based again on our Canadian financial capability survey, people struggling to meet their financial commitments or falling behind on bill payments are most likely to be under the age of 65, individuals with i

Finance committee  I don't have that information with me, but I can certainly provide it.

Finance committee  Thank you, Mr. Chair. Results from our 2019 financial capabilities survey indicate that nearly three-quarters of Canadians have some type of debt outstanding or used a payday loan at some point over the previous 12 months, and almost 31% believe that they have too much debt. We

Finance committee  Nearly three-quarters of Canadians have some type of outstanding debt or used a payday loan. If you would like, I could provide you with more specific data on payday loans specifically.