That, in the opinion of the House, small- and medium-sized business owners are the driving force of job creation in Canada, and Canadian retailers and merchants pay credit card merchant fees that are among the highest in the world, and therefore the government should take immediate steps to make the cost of living more affordable for the middle class by: ( a) lowering costs for businesses and consumers by reducing transaction fees charged to merchants; and (b) allowing merchants to disclose to the consumer the transaction costs relating to the payment method chosen at the point of sale.