Mr. Paul Joyce:

We said in our opening statement that the sale of loans is "now endemic in the financial system" and "over the past decade, we have had three separate pieces of legislation ...[which are designed to facilitate] the growth of a loan sale and loan servicing infrastructure", although they lead with the term, "consumer protection". We have three separate Acts from 2015, 2018 and 2022. What Dr. Lajoie and Mr. Sreenan are saying about the growth of firms is absolutely right. I refer the Deputy to the list.