Mr. Ed Farrell:

When CP88 starts it will be a matter for the regulator. As of now, it is in the legislation, but it will be different when CP88 starts. That is the reason for the recommendation in the commission report to the effect that the investments credit unions are allowed to undertake should include social and community investments. That recommendation from the commission report found its way into the 2012 Act.

However, it has not found its way into the proposed regulations. If they start in January, it does not include the community social investment.