Financial Sector policies that relate to retail banking products and services offered by CIBC. Policies related to taxation policy and the Canadian Revenue Agency of Canada. Policies that relate to stemming financial crimes in Canada (The Proceeds of Crime (Money Laundering) and Terrorist Financing Act, initiatives for enhancement of reporting mandatory information, financial scams and fraud, and risk assessment methodology). The introduction of policies, programs or legislation related to "Consumer-driven Banking". Policies related to the adoption and development of Artificial Intelligence and related technologies. Legislation and regulations as it relates to Canadas payment system and Payments Canada. Legislation and regulations related to Labour practices. Policies related to Canadian economic growth, and international trade. Policies related to Canada's development of natural resources. Policies related to asset recycling and industry investment in public infrastructure development . Policies and programs that affect the Canadian housing market and lending practices. Policies and programs related to gender diversity, inclusion and accessibility. Personal Information Protection and Electronic Documents Act (PIPEDA), the Privacy Act, and any legislation and associated regulations with regard to privacy and security, identity theft risks, use and protection of information Payment Processing System with regard to rates, fees, oversight of credit and debit procedures Office of the Superintendent of Financial Institutions Act (OSFI) and regulations, in respect of regulatory compliance for banks Immigration policies and programs to address labour shortages and market needs. Bank Act and regulations, in respect of the five year financial system review, as well as any changes resulting from the review.