Nicholas Mahoney

The Retail Payments Oversight Framework, with respect to market conduct, liability, end-user funds safeguarding, operational risk mitigation, and other provisions. The government's review of the financial sector legislative framework with a focus on the digitalization of money The federal government's review and involvement of open banking in Canada's financial sector, as well as the modernization of federal privacy laws The Canadian Payments Act, with respect to membership, governance, funding, liability, and other provisions, as well as payment system modernization. The association is providing the government with insights about how to ensure its draft regulations to protect consumers from predatory lending don't generate unintended consequences in the market for commercial credit.

Engaging with government to support the timely implementation of the Retail Payments Oversight Framework. Engaging with government to advocate for improvements to Canada's payments system. Engaging government decision-makers to support the implementation of a well-regulated open banking regime in Canada. Advocate for amendments to the Canadian Payments Act to provide greater access to Canada’s payments systems for FinTechs.

Canadian Payments Act and the ongoing consultations of the Payment System in Canada. The participation of new kinds of emerging payment technology companies and payment focused companies in the consultation process. Retail Payments Oversight Framework and the development of draft legislation. ETA is focused on an open and flexible system which has objective risk based rules.

Retail Payments Oversight Framework and the development of draft legislation. ETA is focused on an open and flexible system which has objective risk based rules. Canadian Payments Act and the ongoing consultations of the Payment System in Canada. The participation of new kinds of emerging payment technology companies and payment focused companies in the consultation process.

To engage and advocate for the economic and social benefits of mining to the Canadian economy, including Indigenous economic reconciliation, with investment-friendly policies regarding regulatory system, support for decarbonization, skills training and critical mineral development. To raise awareness with government officials with respect to the Company's development plans for new mining projects in Nunavut, including employment and training, opportunities and benefits for Inuit people and communities, the Company’s consultation and environmental management programs, and additional environmental sustainability opportunities in line with government and Inuit priorities and policies. To raise awareness with government officials with respect to the Company's development plans for mining projects in Ontario and Quebec, including employment and training, opportunities and benefits for Indigenous peoples and local communities, and the Company’s consultation and environmental management programs. To raise awareness with government officials and departments on the need for major infrastructure investment in the Arctic, including high speed internet infrastructure in Nunavut to support industry and community needs and enhance opportunities and economic linkages. To engage and raise awareness with government officials and departments on the need for clean energy infrastructure development in the Kivalliq and Kitikmeot regions of Nunavut. Energy alternatives will significantly reduce the need to rely 100% on diesel generation as the only source of energy in these areas, significantly reducing GHG emissions and improving economic development opportunity for communities and industry.

To raise awareness with government officials with respect to the Company's development plans for new mining projects in Nunavut, including employment and training, opportunities and benefits for Inuit people and communities, the Company’s consultation and environmental management programs, and additional environmental sustainability opportunities in line with government and Inuit priorities and policies. To raise awareness with government officials with respect to the Company's development plans for mining projects in Ontario and Quebec, including employment and training, opportunities and benefits for Indigenous peoples and local communities, and the Company’s consultation and environmental management programs. To raise awareness with government officials and departments on the need for major infrastructure investment in the Arctic, including high speed internet infrastructure in Nunavut to support industry and community needs and enhance opportunities and economic linkages. To engage and raise awareness with government officials and departments on the need for clean energy infrastructure development in the Kivalliq and Kitikmeot regions of Nunavut. Energy alternatives will significantly reduce the need to rely 100% on diesel generation as the only source of energy in these areas, significantly reducing GHG emissions and improving economic development opportunity for communities and industry. To engage and advocate for the economic and social benefits of mining to the Canadian economy, including Indigenous economic reconciliation, with investment-friendly policies regarding regulatory system, support for decarbonization, skills training and critical mineral development.

Obtain repayable and non-repayable contributions towards the implementation of clean technologies for its operations across Canada.

To advocate for the development of a national strategy to support the growth of Canada’s Web3 economy and digital assets. Particularly two projects: 1. Fiat-backed Stablecoins 2. Modernizing Canada's Qualified Investment regime and including digital assets like bitcoin To engage officials with regard to Bill C-249, the Encouraging Growth of the Cryptoasset Sector Act. We are educating MPs and regulators on the crypto industry and specifically why bitcoin, is a unique asset class. We are providing input and feedback to any questions people have on the sector, how it impacts Canadians, and what we are doing as Shakepay to ensure that customer protection is at the forefront. Discussing details pertaining to Canada's open banking framework that will be established under the Consumer-Driven Banking Act (CDB Act), which is part of the Budget Implementation Act, 2024, No. 1 (Bill C-69). Engaging on the draft legislation, introduced by the federal government in April 2024, and discussing issues like accreditation, scope and other items. To engage federal financial sector regulators with respect to the supervision of crypto assets under Canada’s anti-money laundering and terrorist financing regulations.

To engage federal financial sector regulators with respect to the supervision of crypto assets under Canada’s anti-money laundering and terrorist financing regulations. To advocate for the development of a national strategy to support the growth of Canada’s Web3 economy and digital assets.

The Council of Canadian Innovators (CCI) is engaging with government officials to discuss the alignment between CCI’s priorities and the federal government’s efforts to foster innovation in Canada. These discussions focus on ensuring that government programs and policies effectively support high-growth Canadian technology firms and strengthen the country’s innovation ecosystem. Canadian Sovereign AI Compute Strategy: advocacy was focused on bringing domestic firms into the value chain through policies and measures that provide equal opportunity for Canadian Head Quartered companies. Discussion on the intangible economy, SR&ED, and economic growth as it relates to domestic expenditures for intellectual property filing, as well as a focus on small and medium-sized companies. US Trade - discussed Tariffs and handling of Canada US Mexico Trade Agreement. Sustainable Development Technology Canada (SDTC) to establish a sponsorship agreement related to CCI's Board education training program for the intangible economy. Small Business and Tourism, Changes to Canadian Export Program (CanExport) so it allows more technology companies to apply Procurement – Changes to Request for Proposal (RFP) process to break down large bundles into smaller amounts for Medium and Small Business (SMEs) can apply Health Canada: advocate for an increase of resources for Therapeutics Canada for them to speed up processing times and efficiencies within their department; create working groups and framework with industry leaders and health Canada on digital and data health, and create a therapeutics working group with industry and health Canada. Finance – Changes to Scientific research and experimental development (SR&ED) tax incentive program to make the process easier for Medium and Small Business (SMEs) to apply and report on the current program, to further increase the maximum a SME can apply for Export Development Canada (EDC) to establish a sponsorship agreement related to CCI's Board education training program for the intangible economy. Environment and Climate Change Canada, give input and feedback on the PanCanada Framework, Canada-China agreement for scientific and technological cooperation, and the relationship between Carbon Dioxide (CO2) Emitters & CO2 Reducers. Our focus is on involving Canadian high-growth firms in the policies and programs the government is working on regarding climate change and the greening of government. Discussions on international trade, specifically on the North American Free Trade Agreement with respect to data localisation, labour mobility and tariffs. Defence & Security: advocate for a domestic-focused cybersecurity ecosystem that has Canadian companies at the centre of a national cybersecurity defence policy. Citizenship and immigration – Change the current work visa time lines, seek changes to the the Labour Market Impact Assessment for expatiating and a faster process Changes to Industrial Research Assistance Program (IRAP) to make the process easier for Medium and Small Business (SMEs) to apply and report on the current program, to Increase the maximum amount a SME can apply for Canada Revenue Agency (CRA) - changes to (scientific research and experimental development) SR&ED program with how it is administered and reviewed. Discussed companies SR&ED claims and issues with their processing. Business Development Bank of Canada (BDC) to establish a sponsorship agreement related to CCI's Board education training program for the intangible economy.

Efforts to modernize federal privacy legislation and regulate artificial intelligence. An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts and its application to the insurance industry (C-8) Issues relating to emergency preparedness, response and recovery including a National Recovery Strategy, and the creation of a National Emergency Management Agency Expansion of the trade credit insurance market in Canada Proposed public-private partnership with the insurance industry to better protect Canadians in the event of a major earthquake. Issues relating to flooding including the creation of a low-cost high-risk National Flood Insurance program in partnership with the P&C insurance industry. Other issues include flood mapping and infrastructure investment. Developing a national approach and vehicle safety standards for the deployment of connected and automated vehicles Implementation of the National Adaptation Strategy and other issues relating to climate adaptation and including modernization of DFAA, DMAF, and infrastructure investments. Changes to the Minimum Capital Test (MCT) and solvency regulations. Changes to the reinsurance framework. Changes to other guidelines (i.e. Guidelines B10, B13, B15; Guidelines E13, E21, E23, etc.). Implementation of the national auto theft strategy and other solutions to combat the theft of vehicles in (and illegal export of vehicles from) Canada. National Coordination of provincial stolen and wrecked vehicle programs. (Transport Canada), with regard to allowing the exchange of information in order to prevent the fraudulent "re-VINing" of vehicles. This refers to the practice of changing the Vehicle Information Number (VIN) on a stolen or wrecked vehicle, thus facilitating its fraudulent re-sale. Financial sector policy and regulatory changes pursuant to the implementation of the United States-Mexico-Canada Agreement (USMCA), formerly North American Free Trade Agreement.

To engage federal financial sector regulators with respect to the supervision of crypto assets under Canada’s anti-money laundering and terrorist financing regulations. To advocate for the development of a national strategy to support the growth of Canada’s Web3 economy and digital assets. To engage with officials with regards to Bill C-249, the Encouraging Growth of the Cryptoasset Sector Act

Work with the federal government and financial sector regulators on developing clear definitions, categorization and regulatory treatment of crypto assets. To engage federal financial sector regulators with respect to the supervision of crypto assets under Canada’s anti-money laundering and terrorist financing regulations. To advocate for the development of a national strategy to support the growth of Canada’s Web3 economy and digital assets and create an environment where blockchain technology helps to transform the Canadian economy.

Encadrement du secteur financier, notamment dans une perspective d’assurer un marché concurrentiel équitable pour les consommateurs et pour l’ensemble des institutions financières canadiennes Sensibilisation à l’adoption d’initiatives gouvernementales nationales pour contrer le vol de véhicules Promotion de la littératie financière auprès des Canadiens en collaboration avec le gouvernement du Canada. Politiques fédérales en matière d'habitation et de logement Évolution de l'encadrement fédéral sur l'adaptation et la résilience aux changements climatiques Encadrement fédéral en matière de lutte contre le recyclage des produits de la criminalité et le financement des activités terroristes, de même qu’en matière de lutte contre l’évasion fiscale. Développement international, concernant l’accessibilité des services financiers diversifiés aux populations moins favorisées de la planète. Assurance-médicaments, en ce qui a trait aux médicaments onéreux, l’établissement d’un formulaire national et l’accès aux médicaments. Administration des programmes fédéraux d'aide gouvernementale

Tax Regulations, with respect to a prescribed payment card corporation share Policies, rules and codes that affect the payments system and payment networks Canada’s digital economy, with respect to secure and convenient digital identity and authentication solutions

Supporting the development and implementation of policies, programs, and regulatory measures aimed at preventing and combating fraud, scams, and financial crime, including measures that enhance information sharing, consumer protection, and the integrity of Canada’s financial system. Supporting an open and competitive technology environment for mobile payments to maximise consumer choice and strengthen Canada’s participation in the digital economy. Promoting the recognition and adoption of modern digital payments infrastructure as a foundation for Canada’s economic resilience and innovation Supporting the development and adoption of secure, convenient digital verification and authentication solutions to enhance consumer protection and confidence in Canada’s digital economy. Tax Regulations, with respect to a prescribed payment card corporation share Policies, rules and codes that affect the payments system and payment networks

Offering input related to the review of financial institutions policy and Bank Act and/or emerging policies related to the financial technology sector to allow for greater innovation and competition Interest in implementing actions to provide Canadians with more control over their financial health, including financial literacy; establishing an open banking system in Canada. Arranging meetings and outreach with Public Office Holders in relation to Questrade’s goal in helping Canadians become more financially secure, contributing to the affordable housing strategy as a champion and providing the most innovative & cost-efficient online financial and other services.