Yes, so the first was firm and reasonable controls on the actual amount of additional charges. So I will look for that.

As the Minister knows, it is a much more expeditious, faster process if those can be in first rather than coming to committee to, again, identify them later and go back, a time-consuming approach. The new law is meaningless, however, without enforcement, Mr. Speaker.

We learned in recent media reports that MACA officials don’t monitor lenders’ practices to prevent abuses. People being ripped off have to use the courts, which is difficult, costly, and, for most people, impossible. I’m sure the Minister recognizes this, that the clients often do not have the sort of capacity required, and that’s the same reasoning for how they are being taken advantage of.

So will the Minister commit to placing a high priority on bringing this forward before the end of the 16th Assembly, legislation that is clearly enforceable and the enforcement requirement to back it up is there? That may take approaching the people rather than waiting for complaints. Thank you.