Finance committee  That's us.

Finance committee  We have oversight. For anything where there's a lack of clarity, we open cases against the institutions. I can certainly follow up with you on that.

Finance committee  Yes, we have oversight on full disclosure of all those fees. We do follow up. We have cases, and we've called them to account.

Finance committee  Yes.

Finance committee  Yes. They have to, at a minimum, pay attention if I get any complaints requesting meetings in the community. This is cause for meetings to be held in the communities. I don't have the power to say, “No, you can't close the branch.”

Finance committee  Payday loans are in the payday loans provincial area. Other than speaking out and reporting out on concerns around them, the power is not there.

Finance committee  I don't know, Mr. Chairman. I hate to tell the honourable member, but actually, when I sat on this committee 30 years ago, we did a very similar thing. There are more choices out there. There is a shift to respond sometimes to drive down a lower rate of interest. There are comp

Finance committee  I think that's really in your hands in terms of the policy and what rate of return is made on cards.

Finance committee  From day one in the annual reports, I've pointed out real concerns about the payday loan crowd. This is a growing and insidious bunch, as far as I'm concerned--just in case you think I don't have an opinion on anything. I believe there's a real requirement for standards and enf

Finance committee  There are a couple of things. First, maybe I'll help you with some questions that you could ask them if they come here. One, what kind of float are they creating in aggregate when they nail the individual consumer and then they float it for 48 hours on overnights? What are they

Finance committee  I have just an awful time; I've been at this for about 25 years, and I cannot quite fathom why there has to be any gap in the electronic systems as they're now functioning and particularly when we move to electronic. Interestingly enough, the proposal on the electronic bill goin

Finance committee  In an interesting way, the proposal on the electronic bill--or whatever it's called--that they're pushing for actually will enhance the settlement, so it should make for fewer excuses. There may be room for a quid pro quo when you get into the discussions that'll evolve out of th

Finance committee  No, we're not mandated to keep track of the openings. I think, going forward, that would be a good question to the institutions, because then you can map where there are some severe impacts in central areas of Winnipeg and cross-compare that to where there may be new outlets. I

Finance committee  We don't name any individual bank under the law, but we certainly could release parts of it. It's on the website, I think.

Finance committee  Well, a couple of things. I don't know what the banks said, but I'll tell you...and by the way, it'll take a year or two, when you're doing new entrants and new products and so on, to have anything substantive. But if there are any gaps or left-out communities or segments of the