Raquel Dancho

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

Discussions regarding digital policy and legislation, including as it relates to artificial intelligence (AI) and data protection, privacy and reduction of online harms. AI adoption including updating procurement policies. Discuss issues related to international competitiveness of the domestic AI industry. Provide subject matter (AI) expertise to the Canadian AI Safety Institute team where it might be helpful across a number of areas including opportunities for research and safety practices. Discussions with officials regarding the Canada-US bilateral relationship.

Provide subject matter (AI) expertise to the Canadian AI Safety Institute team where it might be helpful across a number of areas including opportunities for research and safety practices. Discussions regarding digital policy and legislation, including as it relates to artificial intelligence (AI) and data protection, privacy and reduction of online harms. Discuss issues related to international competitiveness of the domestic AI industry. Discussions with officials regarding the Canada-US bilateral relationship. AI adoption including updating procurement policies.

Bill C-29 Engagement on 'An Act to establish the Financial Crimes Agency and to make consequential amendments to certain Acts and regulations' as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-31 Engagement on 'A second Act to implement certain provisions of the budget tabled in Parliament on November 4, 2025' as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-22 engagement on 'An Act respecting lawful access', as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-16 engagement on 'An Act to amend certain Acts in relation to criminal and correctional matters (child protection, gender-based violence, delays and other measures). as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-14 Engagement on 'An Act to amend the Criminal Code, the Youth Criminal Justice Act and the National Defence Act (bail and sentencing)' as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-9- Engagement 'An Act to amend the Criminal Code (hate propaganda, hate crime and access to religious or cultural places)', as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. Bill C-2 - Engagement on 'An Act respecting certain measures relating to the security of the border between Canada and the United States and respecting other related security measures', as it relates to legislative changes that might impact policing and core function of RCMP Members, with the purpose of providing information and recommendations to guide future decisions. RCMP Mental Health, in relation to the creation of a strategy, resources or investments. Implementation of inquiry or report recommendations that have examined the RCMP, including the Public Order Emergency Commission, the Mass Casualty Commission Final Report and others. The Royal Canadian Mounted Police Act, in respect to any and all amendments or develoments of regulations that would impact RCMP members. The Royal Canadian Mounted Police Superannuation Act as it relates to pension, disability, health care services, occupational health and safety, employee assistance services and benefits for the purpose of strengthening services and providing recommendations to inform decisions, grant amounts and MOU's. The RCMP's core responsibilities, Federal Policing, Contract and Indigenous Policing and Specialized Policing Services, in respect to promoting investments, resources, modernization and contract renewals. Firearms in Canada, in respect to increased mandates of RCMP Members and the need for additional resourcing or investments.

Engage with government on on building multi residential housing units with the fibre and home security systems of TELUS. Broadband Canada – Connect to Innovate program which is of interest to TELUS, with respect to advancing rural and remote network connectivity in Canada. Engage with government to raise awareness on copper theft and advance policy solutions. Spectrum policy framework as related to incumbent wireless carriers with respect to all technological and financial implications of proposed government policies. Review of the Personal Information Protection and Electronic Documents Act (PIPEDA) as relates to communications service providers’ obligations Replacement Worker Legislation - TELUS is interested in legislation that bans replacement workers during a labour dispute as it would hinder our ability to operate our organization and serve our customers. Regulatory environment affecting the Canadian wireless market, including regulatory framework with regard to the requirements around rural network infrastructure builds, the policy framework around spectrum auction rules and regulations on the purchase of existing Canadian wireless companies. Proposed Digital Economy Strategies with respect to spectrum and environmental policy. Potential Amendments to the Broadcasting and Telecommunication Acts, with respect to streamlining regulation of the broadcasting and telecommunication industry. Policy framework with respect to the relationship between digital/wireless connectivity and climate policy. Policy Framework with regard to the terms and conditions of auction for Spectrum Licenses. Informing Federal officials around TELUS initiatives in the Health Care field and communicating the need for increased cooperation in developing next generation health care services between all levels of Government. Critical infrastructure and cybersecurity - protection of facilities, networks, technology, assets and systems. Copyright regulations and the Copyright Modernization Act with respect to the scheduled five year review. Communicating with the government about adopting digital tools in the agriculture sector. Canadian Radio-television and Telecommunications Commission review of Basic Telecommunications Services Broadcasting Policies Relating to Specialty Television Broadcasting Policies Relating to Conventional Television Bills related to lawful access obligations that will have a direct impact on the Company from a financial and operational perspective, as well as impact on TELUS customers from a privacy perspective, and with respect to obligations imposed on carriers with respect to intercept and subscriber information. As a supplier to the Government of Canada, TELUS regularly engages in discussions related approaches to reduce costs in the procurement of end-user devices, networks and associated support services and solutions.

Advocacy regarding pending CRTC review of Wireless Code Replacement Worker Legislation - TELUS is interested in legislation that bans replacement workers during a labour dispute as it would hinder our ability to operate and provide ongoing service to customers. Providing input to the government for development of an anti-fraud strategy to create an integrated fraud takedown framework. Discussions regarding federal support for science and research talent development, with a focus on creating public-private partnerships that enhance education and training opportunities. These efforts aim to advance social good by increasing the participation of women and marginalized groups in the digital economy and STEM sectors. Developing protocols for Canada’s Greenhouse Gas Offset Credit System Advocacy for potential amendments to the Copyright Act, with respect to updating unclear regulation of Internet Service Providers. Advocacy regarding fibre-to-the-premises wholesale access; including discussions about TELUS' expansion and extended offerings. Advocacy regarding improving resilience and redundancy in TELUS’ network, including the potential to expand remote network connectivity and build out critical infrastructure in the North. Communicating with the government about how to support adopting digital tools in the agriculture sector. Advocacy concerning the development and implementation of national artificial intelligence policies, including but not limited to the Sovereign AI Compute Strategy and the AI Compute Access Fund. Informing officials about TELUS' plans to monetize passive infrastructure. Informing Federal officials about the risks posed by copper theft to public safety and telecommunications infrastructure, and advocating for enhanced collaboration between governments (provincial and federal) and industry to address this growing issue effectively. Advocating for stricter regulations around theft and damage of telecommunications infrastructure through Bill C-26: An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts. Review of the Personal Information Protection and Electronic Documents Act (PIPEDA) as relates to communications and data service providers’ obligations Regulatory environment affecting the Canadian wireless market, including regulatory framework with regard to the requirements around rural network infrastructure builds, the policy framework around spectrum auction rules and regulations on the purchase of existing Canadian wireless companies. Potential Amendments to the Broadcasting and Telecommunication Acts, with respect to streamlining regulation of the broadcasting and telecommunication industry. Policy framework with respect to the relationship between digital/wireless connectivity and climate policy. Policy Framework with regard to the terms and conditions of auction for Spectrum Licences Informing Federal officials around TELUS initiatives in the Health Care field and communicating the need for increased cooperation in developing next generation health care services between all levels of Government. Critical infrastructure and cyber security - protection of facilities, networks, technology, assets and systems. Canadian Radio-television and Telecommunications Commission review of Basic Telecommunications Services Broadcasting Policies Relating to Specialty Television Broadcasting Policies Relating to Conventional Television Broadband Canada – Connect to Innovate program which is of interest to TELUS, with respect to advancing rural and remote network connectivity in Canada. Bills related to lawful access obligations that will have a direct impact on the Company from a financial and operational perspective, as well as impact on TELUS customers from a privacy perspective, and with respect to obligations imposed on carriers with respect to intercept and subscriber information. As a supplier to the Government of Canada, TELUS regularly engages in di

Communicating with the Government of Canada about Bill formerly known as C-27 (Digital Charter Implementation Act, 2022), more specifically the creation of the Artificial Intelligence and Data Act. Communicating with the Government of Canada about Bill formerly known as C-26 (An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts). Work with government to promote and support Canada’s digital economy, including advocating for the development of a high-skilled tech workforce. Seeking government contract with multiple government departments and institutions with regards to Amazon Cloud based solutions and related support services. Seeking to influence policy direction related to cloud based services.

Communicating with the Government of Canada about Bill C-8 (An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts). Communicating with the Government of Canada about Bill C-22 (An Act respecting lawful access) Communicating with the Government of Canada about Bill formerly known as C-27 (Digital Charter Implementation Act, 2022), more specifically the creation of the Artificial Intelligence and Data Act. Communicating with the Government of Canada about Bill C-2 (An Act respecting certain measures relating to the security of the border between Canada and the United States and respecting other related security measures). Work with government to promote and support Canada’s digital economy, including ensuring the availability of a high-skilled tech workforce. Seeking to influence policy direction related to cloud based services. Seeking government contract with multiple government departments and institutions with regards to Amazon Cloud based solutions and related support services.

CFIB supports the principle behind the Canada Jobs Grant but encourages flexibility in its implementation and consideration of small and medium-size enterprises (SMEs)' needs. For example, introducing a permanent refundable tax credits for co-op and internship hires and reducing red tape from programs like Canada Summer Jobs to make it easier for small businesses to continue hiring youth. Advocating on behalf of small and medium-sized businesses to facilitate trade between Canada and other countries (CAN-US tariffs, the Canada-United States-Mexico Agreement, Chinese tariffs). Canadian Federation of Independent Business (CFIB) shares its suggestions for Budget 2026 focusing on: reducing the small business tax rate from 9% to 6% and increasing the small business deduction (SBD) threshold to $700,000 and index it to inflation going forward. Canada is experiencing an “entrepreneurial drought”: a sustained period where business closures consistently outpace new business starts, leading to a shrinking entrepreneurial base and declining confidence in entrepreneurship. CFIB recommends that reversing this trend should be treated as a national economic priority. Sharing small businesses' views on Labour Code changes, impact on small businesses and the need to ensure the fluidity of the supply chain. Sharing survey results on improving CFIA customer service to encourage the review of their operations to better meet the needs of small and medium-size enterprises (SMEs) - reducing red tape and facilitating food mobility within Canada. Sharing data information and recommendations related to the state of small and medium-size enterprises (SMEs) overall and for specific sectors which could also include provincial data. Promoting reforms to the Competition Act that will ensure small businesses have an equitable opportunity to compete in today’s economy, especially as small and medium-size enterprises (SMEs) have noted an increase in large corporate giants within Canada. Shipping costs pose a significant barrier for small business, as such we continue to advocate for favourable shipping rates with carriers (including the cost of shipping along with better service levels and addressing the work stoppage at Canada Post). Presenting the views of small business owners based on our survey data to the Canada Revenue Agency to share ways of improving customer service interactions with small and medium-size enterprises (SMEs) and suggest ways to ease the tax burden on small business owners as well as increase accountability within the agency. CFIB continues to monitor the effects of the Consumer Product Safety Act on small and medium-size enterprises (SMEs) and other issues raised related to the mandate of Health Canada. We also continue to monitor customer service interactions between our members and Health Canada. Any issues are raised with officials. CFIB advocates for simplification to the federal procurement process on behalf of small and medium-size enterprises (SMEs). Lobbying to reduce Red Tape by focusing on removing interprovincial trade barriers, facilitating labour mobility and improving government customer service. This includes providing input for the consultations on the Annual Regulatory Modernization Bill. Goods and Services Tax/ Harmonized Sales Tax Administration with regards to Transitional Rules, Out of Province Sales Rules, Point-of-Sale Rebate, and fillings. Retirement Income Policies, and proposed Canada Pension Plan increases. CFIB is against mandatory increases in Canada Pension Plan, and has provided alternative approaches. CFIB has also shared recommendations to reduce disincentives to work for older workers. Presenting the views of small business owners on infrastructure spending through member survey results, mandate votes and other CFIB research. Offering funding solutions and alternatives to government proposals on transit and infrastructure expansion. Personal Information Protection and Electronic Documents Act (PIPEDA)

Trade Policy -- Special Import Measures Act (SIMA) and Possible new policies or regulations, and international negotiations, affecting Canada's international trade regime and consequences for the steel industry. Fiscal, program, policies, and other measures important to the Canadian manufacturing sector's international competitiveness, trade policies, innovation, including investment support for the steel sector. Federal Budgets as they relate to the steel sector, including measures associated with economic development, industrial competitiveness, innovation, and improving the climate for investment, including tax incentives. Climate change and air pollutant policies and regulations, particularly the development of government regulations pursuant to the Canadian Environmental Protection Act, in relation to climate change/greenhouse gas emissions and air pollutant regulations for industrial sectors. Regulations regarding the management and shipment of waste materials, including the transportation of dangerous goods. Programs and/or fiscal measures to support industrial workforce skills developmant

Border/port security policy, capacity, and federal-provincial coordination to combat auto theft. Ensure connected vehicle security and national security activities meet the intended objectives in a manner that is efficient with fully aligned outcomes with the U.S. Competitive industrial policies and supports such as the Strategic Innovation Fund. Revisions to the Workplace Hazardous Materials information system and inclusion of globally Harmonized System clarification and labelling of chemicals must recognize the integration production facilities and processes in Canada and the U.S. Regulatory requirements for conventional alternative and renewable fuels and associated fuel quality standards to support vehicle emission control technology and vehicle performance. Promote transportation infrastructure and policies to support testing and deployment of evolving vehicle technologies such as connected vehicles and automated vehicles aligned across Canada and with the U.S.; ensure efficient cross-border movement of vehicles for testing. Promote trade infrastructure to support the automotive manufacturing supply chain. Promote enhancements to highway infrastructure, including that for connected vehicle and automated vehicle technologies; transportation and border infrastructure that support the efficient movement of goods in a just-in-time supply chain environment. Ensure efficiencies in reporting fuel consumption data for the annual fuel consumption guide; ensure website and fuel economy labels are consistent with those in the U.S. Trade agreement negotiation and implementation that maximizes commercial benefits and export opportunities. Federal privacy, AI, cybersecurity-related legislation and regulation; Canadian Anti-spam legislation and regulation; Competition Act amendments; related to the development of new advancements in vehicle technology and in-vehicle communication. Ensure regulatory requirements for vehicle safety and supporting programs and policies meet the intended safety objectives and are aligned and synchronized with the U.S. Ensure the requirements of the Chemical Management plan are developed and applied in a manner that achieves the government's objectives and does not disrupt vehicle manufacturing operations and vehicles and new vehicle battery operations. Ensure the implementation of the new Canadian Environmental Protection Act is applied in a manner that does not disrupt manufacturing operations, vehicles, and vehicle battery operations. Ensure the alignment of Canada and U.S. vehicle emission and greenhouse gas standards, for light duty (2025 and beyond), and heavy duty vehicles (2019 and beyond) under the Canadian Environmental Protection Act. Ensure that federal ZEV policies support consumer uptake and demand, and comprehend the integrated nature of the auto industry and the need for alignment with U.S. federal ZEV policies and programs. Ensure that the proposed Clean Electricity Regulations do not impede the uptake and adoption of ZEVs and building out ZEV charging infrastructure. Ensure low EI rates are maintained and do not unreasonable raise the cost of doing business in Canada, or negatively impact competitiveness for new investment Ensure any further review of the Canadian Environmental Protection Act is applied in a manner that achieves the governments objectives and does not disrupt manufacturing operations and vehicles. Ensure an automotive strategy provides for a competitive environment that encourages maintenance of current and new automotive investment. Ensure alignment of Canada U.S. harmonized Tier 3 and beyond vehicle criteria air emission standards and supporting fuel quality requirements Employment and Training maintaining a strong apprenticeships system across Canada for a skilled workforce. Ensure there is an efficient temporary international worker process to allow for specialized expertise that is required for company-specific tasks. Data privacy framework that comprehends the develop

Work with the federal government and financial sector regulators on developing the regulatory framework around the Stablecoin 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.

Work with the Federal government and financial sector regulators on developing the regulatory framework around the Stablecoin Act. 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. 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 counter-terrorist financing regulations.

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.

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.