Paul Chilcott

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.

Visa Canada conducts infrequent communication with the Office of the Privacy Commissioner and Industry Canada regarding privacy matters related to payment systems, and policies concerning privacy generally. Disscuss opportunities for greater government acceptance of Visa products. Discuss potential cost savings for government disbursement programs with the elimination of cheques and their replacement with electronic payments. Discuss policy options and industry evolution with respect to the Department of Finance's ongoing review of Open Banking, also know as Consumer Directed Finance. Discuss implementation and clarifications of the Code of Conduct for Credit and Debit Card Networks, including potential future amendments to the Code. Discuss government programs to promote Financial Literacy and Financial Inclusion. Discuss financial sector policy matters, in particular: privacy legislation; payments system developments; government policies related to payments, e-commerce and data security; Bank Act legislative and regulatory changes.

Discussions around defence spending and the Defence Investment Agency as it relates to financial institutions Stablecoin Act in respect to the government's strategy on digital assets Providing input on federal budget measures that may impact the banking sector Income Tax Act as it applies to corporate taxation, personal taxation, registered saving products, investment, and competitiveness. Data and artificial intelligence policy, as it relates to financial institutions. Discussions on how to mitigate tariff risks and ensure the financial sector’s views are properly captured in trade dialogues. Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations, with respect to a number of issues including identification requirements Financial Institutions, with respect to the Canadian regulatory framework. Financial Institutions with respect to the review of the global and Canadian regulatory framework. Financial Institutions, as it relates to consumer protection Legislation and regulation as it relates to data policy and governance issues International Trade, with respect to the Government of Canada's international relations strategy as it relates to the government's diplomatic and trade relations with Latin America and specifically the Pacific Alliance. Financial Institutions with respect to Environment, Social and Governance issues (ESG). Financial Institutions, with respect to small business banking Financial institutions, as it relates to housing Cyber Security policy as it applies to Financial Institutions Agricultural Support Programs in respect to lending programs

The financial sector regulatory framework as it relates to Retail Payment Activities Act, payment processing, consumer-driven banking and data security. Square Canada, Inc. seeks to collaborate with policymakers and Canada’s financial services industry to think beyond what’s established and help remove barriers that keep people from having equal access. Square Canada, Inc. also seeks to discuss challenges confronting Canadian small and medium size businesses and consumers in the digital economy.