Isabelle Jacques

Discussions relating to the legislative, regulatory, and policy developments related to digital currencies and cryptoassets Providing input on the prudential regulation of the banking sector Providing input on amendments to the Bank Act Providing input on federal budget measures that may impact the banking sector Discussions on supporting women’s advancement, career opportunities, and equitable outcomes in the financial services sector Discussing the Accessible Canada Act with the purpose of identifying, removing and preventing barriers for people with disabilities Discussions on strategies to mitigate tariff risks and navigate the review of the Canada-United States-Mexico Agreement Providing input on effective Artificial Intelligence regulation to balance risks and foster innovation Providing input on the regulatory framework to facilitate the process to become a federal credit union and support their operations Discussing plans on the Data Collection Modernization initiative Providing views on the Macroeconomic Stress Test (MST) 2.0 review Discussing Bill C-27 – Digital Charter Implementation Act, 2022, relating to the privacy and artificial intelligence provisions Discussions relating to the efficiency and effectiveness of the financial sector regulatory system Discussions on consumer issues relating to potential postal strike ensuring an appropriate scope of guidance Providing inputs on criminal interest rate as it relates to the calculation of the rate and exclusions Office of the Superintendent of Financial Institutions guidelines with respect to capital adequacy requirements, prudential limits and restrictions, accounting and disclosure, and sound business and financial practices Providing inputs on OSFI regulations and draft guidelines including in connection with culture, integrity and security, third-party risk, and operational risk Providing input on the development of the Consumer-Driven Banking Framework Providing inputs on Basel III Implementation with respect to capital floor phase-in and risk weights Providing inputs on Competition Act amendments Personal Information Protection and Electronic Documents Act (PIPEDA): seeking workable, practical approaches in the reform of PIPEDA Excise Tax Act with respect to Goods and Services Tax (GST) and Harmonized Sales Tax (HST) Support the development of an innovative, efficient, and secure payments ecosystem in Canada that benefits consumers Support the goals outlined in the National Cyber Security Strategy and collaborate with government, including the Canadian Centre for Cyber Security, to strengthen Canada’s cyber resiliency The Access to Basic Banking Services: seeking to clarify appropriate identification for opening accounts and to make account opening procedures more workable U.S. Mexico Canada Agreement (USMCA), trade agreements with other jurisdictions, World Trade Organization rules regarding cross-border trade in financial services Support the Government initiative of modernizing the Employment Equity Act and provide input to further strengthen the Act. Discussion relating to agricultural financing, including the efficient administration of the Advance Payments Program and the Canada Loan Administration Act Discussions relating to the development of Financial Consumer Protection Framework and voluntary commitments to promote protection for consumers Capital markets statutory, regulatory and self-regulatory organization regime applicable to banks as corporate issuers and their provincially regulated subsidiaries that are capital markets participants Discussion relating to housing finance framework, including reforms to expand housing supply, mortgage underwriting regulations and covered bonds Providing inputs on climate standards and disclosures Corporate governance statutory and regulatory regime for banks Canada Labour Code with respect to (i) impact on bank management of human resources, (ii) review of Part III of the Canada Labour Code, (iii) flexible work

Monitoring developments around Finance Canada's assessment of the credit card marketplace and price regulation Monitor developments around Bank of Canada and FCAC regarding Open Banking and Retail Payments System

National Anti-Fraud Strategy and Financial Crimes Agency Act, with respect to timely information sharing across institutions and multi-sector approach to combatting fraud. Prohibiting or Restricting Interlocking Directorates in the Financial Sector Consumer Protection: With respect to workable and feasible amendments to laws/regulations including the Financial Consumer Protection Framework, Bank Act, Consumer Driven Banking. Proceeds of Crime (Money Laundering) and Terrorist Financing Act: With respect to requirements and methods of identification, screening, monitoring and reporting for card products Privacy: Bill 27 Digital Charter Implementation Act and Personal Information Protection and Electronic Documents Act (PIPEDA) with respect to workable and feasible amendments to the law, including breach notification requirements. Payment Card Networks Act in terms of price regulations and other matters impacting merchants. Electronic Documents (Bank and Bank Holding Companies) Regulations: In respect of improving and increasing electronic communications between financial institutions and customers Code of Conduct for the Debit and Credit Industry: With respect to workable and feasible amendments to the requirements, including application of the code

The Proceeds of Crime (Money Laundering) and Terrorist Financing Act, initiatives for enhancement of reporting mandatory information, and risk assessment methodology. The introduction of policies, programs or legislation related to "Open Banking". The Canadian labour force and labour mobility as it relates to the Express Entry program. 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. Canadian Payments Act, as it applies to applicable legislative reviews and the government's Payment's Modernization initiative. Canada Labour Code, Parts II and III Bank Act and regulations, in respect of the five year financial system review, as well as any changes resulting from the review.

Advocate for changes to facilitate adoption of auto features for retirement savings. Advocate for legislative or regulatory changes to allow for automatic features in workplace pension plans. Discussions related to the implementation of CRA Notice 344 Consultation on the National Strategy on mental health of men and boys Discussions related to Bill S-5 Connected Care for Canadians Act. FCAC direction to update complaint-handling information for insurers Discussions related to drug pricing, including decisions, policies and processes of the Patented Medicine Prices Review Board (PMPRB) Discussions related to supply and shortages of drugs in Canada, including the Multi-Stakeholder Steering Committee. Discussions related to regulatory burden, including “cutting red tape”. Impacts on Canadian insurers of proposed U.S. tax measures. Discussions relating to the efficiency and effectiveness of the financial sector regulatory system as it pertains to insurance companies. Discussing plans on the Data Collection Modernization initiative Promotion of a broader range of investments by insurance companies (e.g., farmland, timberland, fintechs) Statutory review of the Insurance Companies Act as it relates to insurance products and investments. Discussions related to the implementation of national pharmacare including bilateral agreements with provinces and territories; the committee of experts on the implementation of pharmacare and the advisory panel on bulk purchasing. Promotion of pension products, including decumulation solutions. Discussions related to the implementation of the Interpretation letter on the Canada health act related to physician equivalent services. Inter-provincial harmonization and trade barriers as it relates to insurance products. Discussions related to the financial sector policy review. Office of the Superintendent of Financial Institutions (OSFI). Guidelines related to risk management, capital and accounting for insurance companies. This includes capital charges for infrastructure investments under the LICAT. International Trade with respect to opening trade relations, regulations, foreign ownership and national treatment in foreign markets, with regards to India, Europe, China, Japan, Trans-Pacific partnership (TPP), Canada-United States-Mexico Agreement (CUSMA), Plurilateral Trade In Services Agreement (TISA) and the World Trade Organization (WTO). Work to ensure that the income tax act does not put insurance companies at a competitive disadvantage. Promotion of risk-based and principles-based regulation for financial institutions regulations. Personal Information Protection and Electronic Documents Act: seeking workable approaches to privacy rules affecting life and health insurers when the Act is updated. Income Tax Regulations (section 6(1)(f) as it relates to income tax withholding on wage loss replacement plans (disability income benefits). Income Tax Regulations, Part XIV. Income Tax Regulations, Part III: Updating income tax rules for life insurance policies. Income Tax Act, Section 146: Retirement income recommendations regarding the treatment of life insurance companies; Section 146.2 (TFSAs); Section 146.3 (RRIFs). Income Tax Act, Part VI as it relates to capital tax on financial institutions. Financing infrastructure projects, as it relates to investments by insurers Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) risk-based guidance as it relates to life insurance Employment Insurance (EI) reform as it relates to disability benefits; and EI Premium Reduction Program issues. Amendments to Proceeds of Crime (Money Laundering) and Terrorist Financing rules as they affect insurance companies

Financial Services Policy in respect to adhering to banking. Cyber Security Policy as it applies to financial institutions Consumer Issues as it pertains to government changes in policies in relation to financial institutions Privacy Act as it applies to the protection of customer and bank information Personal Information Protection and Electronic Documents Act (PIPEDA) Review in respect to providing input on privacy regulations Income Tax Act as it applies to corporate taxation, investment and international taxation. Housing Policy as it applies to financial institutions Diversity and Inclusion Policy as it applies to financial institutions Data Transfer Policy as it applies to financial institutions Climate Change Strategy in respect to government's plans for a strategy on climate change Canadian Payments Association Act in respect to the five year financial system review Canada Labour Code in respect to employment standards Bank Act in respect to the five year financial system review. Agricultural Support Programs in respect to lending programs

The Consumer Driven Banking Act and related regulations as it applies to banks The federal government’s framework for stablecoins and digital assets Canada Deposit Insurance Corporation Act as it relates to banks and the administration of the deposit insurance framework Federal government programs and policies related to Artificial Intelligence regulation Housing finance framework, including reforms to expand housing supply, mortgage underwriting regulations and covered bonds Financial institutions with respect to Canada/US relationship and trade policy Office of the Superintendent of Financial Institutions guidelines with respect to capital, liquidity, and non-financial risk The Canadian Payments Act, as it relates to management of Canada’s payment system and payments modernization The modernization of the supervisory framework for financial institutions as it relates to the responsibility for administering prudential and consumer measures Requirements for financial institutions as they relate to corporate governance rules under the Bank Act Promotion of the importance of a competitive financial sector in achieving improved economic development in Canadian regions Providing inputs with respect to capital requirements as they relate to Basel III and lending for businesses Official languages policy as it relates to financial services. Federal government programs and policies supporting growth for small businesses Federal government programs and policies respecting financing for infrastructure projects Federal government programs and policies on employment and training as they pertain to financial institutions Federal government programs and policies respecting consumers as they pertain to relationships with financial institutions Federal government programs respecting financing for the agriculture industry Federal government programs respecting financial services for Indigenous communities The Bank Act and the National Housing Act as they relate to potential measures affecting housing affordability and lending Promotion of resources to support mental health and well-being of Canadians Promotion of financial services available to finance Canadian infrastructure development; sharing of international best practices with respect to infrastructure policy, particularly in terms of options for project financing arrangements Privacy legislation and acts with respect to the banking industry’s collection, use and protection of personal information Office of Superintendent of Financial Institutions Guidelines regarding accounting rules regulating financial institutions Income Tax Act with respect to corporate income tax, capital tax, international taxation, personal taxation, and registered saving products Impact of federal national security policy as it relates to the banking sector Financial services policy with respect to study of retirement income security Federal government programs and policies to combat financial crimes Federal government programs and policies related to sustainability, natural resources and climate change in support of achieving net zero targets Federal government position with regard to ongoing discussions on international financial regulation reform, as it pertains to Canadian banks Federal government policies affecting Canada’s payment systems as well as access to financial data Bank Act with respect to its impact on financial sector

To engage with officials with regards to Bill C249, the Encouraging Growth of the Cryptoasset Sector Act. To engage federal financial sector regulators with respect to the supervision of crypto assets under Canada’s anti-money laundering regulations. To advocate for the development of a national strategy to support the growth of Canada’s digital economy and digital assets. Financial Services Policy in respect to adhering to banking and treatment of crypto assets. Cyber Security Policy as it applies to financial institutions and crypto assets.

Discussions regarding international recognition and mobility of holders of Canadian Chartered Professional Accountant (CPA) designations. To discuss the withdrawal notices issued by CPA Ontario and CPA Quebec. The progress of free trade negotiations and the implementation of free trade agreements as they relate to the provision of professional services and the movement of businesspeople and service providers. Tax simplification/reform, involving discussions with the federal government to undertake a comprehensive review of Canada's tax system to reduce its complexities and inefficiencies. Representation to government with a focus on enhancing services and tax administration to ensure a well-running tax system for Canada. Recommendations for improvements to regulations affecting the operation of Canada's capital markets and reporting, disclosure and verification of information used by these markets Providing recommendations to the government on a proposed digital services tax. Programs related to the labour market for increased participation and inclusion. Programs related to international education, including recruitment of international students to Canada and delivery of education programs and services to international markets. Programs or services to assist in growing and advancing accounting education, professionalization and standard-setting in developing countries, including federal funding and grants to encourage same. Policy advice regarding skills training and programs to address future labour market needs. Policy advice regarding recruitment and integration of internationally trained professionals. Participation in, input and feedback provided to the Financial Action Task Force’s Private Sector Consultative Forum. Interested in working with the federal government on financial capacity building in indigenous communities through financial literacy and increasing the number of indigenous finance professionals. Interested in working with federal government on programs and other initiatives with regard to financial literacy Federal government budgets with respect to tax and fiscal policy measures. Dual-designation certification program (CMA/CPFA) for public servants. CPFA is a British-based designation that is now offered with CMA to all levels of government in Canada. CMA is a Certified Management Accountant and CPFA is a Certified Public Finance Accountant. Discussion with government officials in the context of the Learning and Development Stakeholder Advisory Group. Discussion with government officials in the context of a planned review of standard setting in Canada. Discussions with the federal government on various aspects of the Income Tax Act to provide technical expertise that will ensure that tax-related legislation achieves its intended purpose and does not inadvertently affect taxpayers that it was not supposed to impact. Discussions with the federal government on various aspects of the Excise Tax Act to provide technical expertise that will ensure that tax-related legislation achieves its intended purpose. Discussions with the federal government concerning Bill C-27, the Digital Charter Implementation Act, 2022. Discussions with the federal government about funding to support standard-setting in Canada through the creation of a Canadian Sustainability Standards Board. Discussions with the federal government about climate related financial disclosures for the purpose of enhancing climate related risk disclosure in both public sector and private sector financial reporting. Discussions with government officials about public sector employment opportunities and international accountancy members and standard-setting bodies. Discussions with government as it relates to the Senate’s internal and external audits and related matters. Discussions with Canada Revenue Agency with respect to education/training for taxpayers/tax practitioners. CPA Canada’s involvement with the Plenary, associated Working Groups and other Comm

Monitor implementation of Payment Card Networks Act with regard to debit and credit cards and other ecosystem developments. Monitor implementation of and compliance with the Code of Conduct for the Credit and Debit Industry in Canada. Monitor developments to immigration policy as it relates to skilled labour. Monitor developments the Payment Card Networks Act with respect to payment card network operators, and any other legislation seeking to amend that Act. Monitor developments relating to the Voluntary Interchange Commitment and other initiatives related to cost of acceptance. Monitor developments relating to international trade discussions, including the Canada-US-Mexico Agreement and WTO reform with respect to data flows and electronic payments. Monitor developments relating to government-supported tree planting programs, Monitor developments relating to Bill C-331 An Act to amend the Canadian Security Intelligence Service Act (duty of candour) Monitor developments regarding Proceeds of Crime and Terrorist Financing Act and regulations with respect to credit card accounts and prepaid. Monitor developments regarding breach tracking and reporting regulations under, and review of, the Personal Information Protection and Electronic Documents Act. Monitor developments associated with global humanitarian aid efforts with respect to financial inclusion and electronification of aid and exploring opportunities for private-public sector partnerships in administering aid. Monitor developments and opportunities regarding greater government use of electronic payments. Seek opportunities for greater usage of products and services by federal government. Monitor development of the Retail Payments Oversight Framework/RPAA with respect to regulation of payment networks. Monitor development of the Government’s innovation agenda with respect to the digital economy and Digital ID. Monitor development of the Digital Charter (Bill C-27) with respect to payments and data. Monitor development of regulations pursuant to the Bank Act with respect to credit card issuer practices. Monitor development of Open Banking consultations and studies. Monitor development of Faster Payments initiatives as the government moves toward payments modernization. Monitor development of cybersecurity policies with respect to payments. Monitor deployments relating to oversight of cryptocurrency. Monitor Bank Act policies with respect to prepaid cards.

Discussions quant au cadre réglementaire applicable aux banques, incluant la Loi sur les banques et les lignes directrices du Bureau du surintendant des institutions financières Loi sur la protection des renseignements personnels, activités liées à la mise en place des dispositions de la loi Discussions relative au cadre de financement du logement, y compris les réformes visant à accroître l'offre de logements, les réglementations en matière de souscription de prêts hypothécaires et les obligations sécurisées Perspectives et politiques relatives à la croissance de l'économie canadienne et aux projets d’intérêt national Révision réglementaire du projet d’acquisition de certains portefeuilles de la Banque Laurentienne dans le cadre de l'acquisition de cette dernière par la Banque Fairstone Fournir des commentaires sur les mesures budgétaires fédérales susceptibles d’avoir une incidence sur le secteur bancaire Discussions concernant la stratégie nationale de cybersécurité du Canada Discussions sur la réglementation visant l'intelligence artificielle Discussions concernant les plans de protection des infrastructures essentielles Discussions concernant le financement des petites entreprises, y compris le Programme de financement des petites entreprises du Canada Fournir des commentaires sur l’élaboration du Cadre canadien des services bancaires pour les gens Discussions sur les stratégies visant à atténuer les risques tarifaires Certains sujets liés à la Loi sur le recyclage des produits de la criminalité et le financement des activités terroristes incluant les exigences d'identification Soutenir le développement d’un écosystème de paiements innovant, efficace et sécurisé au Canada au bénéfice des consommateurs Discussions relatives au développement d'un cadre de protection des consommateurs financiers et engagements volontaires pour promouvoir la protection des consommateurs Discussions relatives au cadre de protection des consommateurs Loi sur l'impôt concernant l'impôt sur les entreprises, l'impôt sur le capital, la taxation internationale, l'impôt personnel et les produits d'épargne enregistrées Collaboration avec le gouvernement pour protéger les Canadiens contre la fraude et les arnaques Commentaires relatifs au plancher de fonds propres de Bâle III Révision réglementaire du projet d’acquisition de la Banque canadienne de l’Ouest Règlement sur le commerce d'assurance, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire Programme des travailleurs étrangers temporaires Loi sur les sociétés d'assurance, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire Loi sur les prêts aux petites entreprises, activité de lobbyisme liée à l'application de la loi en général et plus particulièrement à l'égard des règles concernant le crédit consenti Loi sur les banques, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire et dans l'application des dispositions de la Loi et du Règlement visant les consommateurs dans les opérations bancaires Loi sur le recyclage des produits de la criminalité et le financement des activités terroristes, activité de lobbyisme liées à l'application de la loi de façon générale, et plus précisément en ce qui concerne la révision de la règlementation applicable à la Banque Loi sur la société d'assurance-dépôts du Canada, activités de lobbyisme liées à la mise en oeuvre de la loi de façon générale, et plus précisément dans le cadre de la révision quinquennale de la législation en matière bancaire et dans l'application des dispositions de la Loi et du Règlement visant les consommateurs dans les opérations bancaires Loi sur la société canadienne d'hyp