One of the things about the CCCFA legislation is that it requires institutions to develop a responsible lending code, which is subject to Ministry of Business, Innovation and Employment (MBIE) and Commerce Commission oversight. So MBIE will be the principal entity, but the Commerce Commission will have an oversight role as well. Under this bill, which is another piece of legislation proposed by Dr David Clark, institutions will also be required to agree a code of conduct—so very similar to what's required under the CCCFA requirements. But this one will need to be approved by the Financial Markets Authority. So what we're seeing now with this piecemeal, ill-thought-out strategy—if there is such a thing—is that over time, and over recent time, the Labour Government has put in a whole stack of regulations and pieces of legislation that are now potentially leading to quite significant conflicts. Where you're talking about two sets of codes, now overseen by different organisations—who's going to have priority? Which one should a financial institution be more responsible for, or to have greater regard for?