Finance committee  Thank you, MP Hallan. I'll start, and then I'm going to share this one with my colleague Romit. Housing affordability is a top issue and, as an industry representative today, we want to make sure that we're very clear. There are a number of cross-purpose policy and implementation challenges we've experienced that look like they will drive costs up for the end consumer.

Finance committee  Thanks, Romit. Promoting competition and maintaining stability are key goals for a healthy financial sector. In the digital era, this means that smaller innovation-driven companies have a place from which to succeed within the existing financial services ecosystem. It also means that consumers can access all products and services in the marketplace without artificial barriers, gather important data to make informed decisions and be able to control the uses of their personal data.

Finance committee  Thank you, Mr. Chairman and committee members, for inviting us to appear today. I am Tanya Woods, head, government and regulatory affairs, and policy counsel for Questrade Financial Group. Appearing with me today is Romit Malhotra, Questrade Financial Group's chief strategy officer.