Sebastien Togneri

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.