Nous avons conclu que, si l'on recherche le moins de changements possibles, la Loi sur les banques est déjà conçue pour une entité qui a des capacités de gros—elle effectue ses propres transactions et sa propre compensation, ce genre de choses—et qui a aussi des pouvoirs de détail, évidemment, ce dernier élément étant ce qui compte réellement pour le consommateur.
What we found was that if you took a least-change approach, a least-move approach, the Bank Act basically already is designed for an entity that has wholesale capabilities—it does its own transactions and that sort of business, its own clearing—and also has retail powers, obviously, which I think is really what is material to consumers.