Finance committee  The funding is defined based on our projected needs and the activities we have outlined in our business plan. The fees that are applied to the institutions are set and invoiced during the fiscal year. Those are the funds we have available to carry out the activities, including co

Finance committee  Yes, but on top of that, the government decided last year to contribute to this effort in order to increase consumers' skills in the financial sector.

Finance committee  We establish the budget.

Finance committee  The area in which we have the most challenge in terms of working with the institutions is disclosure, making sure the disclosure is clear, concise, and in plain language.

Finance committee  That's particularly in credit products—mortgages, mortgage documents, lines of credit, and credit card documents.

Finance committee  There are a couple of issues we've dealt with. We have worked with the industry over the last two years to ensure that any consumer who is bound by a credit agreement is provided with equal disclosure in terms of any costs or fees and any changes to the terms and conditions of

Finance committee  It depends on the year. When the branch closure regulations started up whereby banks were required to give disclosure on closing the branches, you would see in our statistics a balance in terms of not complying with the branch closure regulations. They have adjusted, and that's n

Finance committee  Generally there isn't a trend towards foreign banks. Given the market that the domestic banks have, the majority of the complaints would be centred around the domestic banks.