The second issue raised by Senator McDowell related to whether the cost of these levies could be passed on to the consumer if they were excessive. It is important to point out that a specific cap on the amount of levies that can be applied to the credit unions is included in the legislation. That amount cannot exceed the cost of their regulation under the Credit Union Act 1997. That is the maximum cost that can be imposed on the credit unions. It is important that this protection is written into the legislation.