Supriya Syal

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 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

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 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.

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

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.

Housing policies and CMHC programs National Security/Security in respect of its implications for financial institutions. Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations with respect to the proposed changes Personal Information Protection and Electronic Documents Act (PIPEDA) as it applies to the banking industry’s collection, use, disclosure, and protection of personal information Payment Clearing and Settlement Act as it applies to the five year financial system review Office of the Superintendent of Financial Institutions Act as it applies to regulation and compliance Investment Canada Act as it applies to competitiveness Income Tax Act as it applies to corporate taxation, investment, competitiveness and registered savings products Financial Consumer Agency of Canada Act as it applies to consumer protection Employment Equity Act as it applies to banks as employers Competition Act as it applies to banks and competitiveness Canadian Payments Association Act as it applies to the five year financial system review Canada Small Business Financing Act as it applies to credit for SMEs Canada Labour Code as it applies to banks as employers Canada Deposit Insurance Corporation Act as it applies to the five year financial system review Bankruptcy and Insolvency Act in respect of its implications for banks Bank of Canada Act as it applies to the five year financial system review Bank Act and other financial services legislation as they apply to financial institutions in the context of the five year financial system review Anti-Spam legislation as it applies to anti-spam requirements

Discussions on strategies to mitigate tariffs and navigate review of CUSMA Responding to inquiries and speaking with government organizations about global banking and impacts on Canada Responding to inquiries and speaking with government organizations about global banking and impacts on Canada General discussions regarding Anti-Money Laundering and Proceeds of Crime and the PCMLATF legislation General discussions, information regarding foreign interference and the OSFI Integrity & Security Guideline General discussions about climate change and government policy

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

Telecommunications regulatory proceedings at CRTC Broadcasting regulatory proceedings at CRTC Bill C-69, Budget Implementation Act 2024, No. 1, in regard to Division 37 of Part 4 - Telecommunications Act changes. Bill C-56, An Act to amend the Excise Tax Act and the Competition Act, in relation to grocery market conditions and competitive conditions in other federally-regulated areas, such as telecommunications, airlines and banking. Bill C-360, An Act to establish a national strategy to reduce the amount of wasted food in Canada - regarding the entire bill. Bill C-322, An Act to develop a national framework to establish a school food program - regarding the whole bill. Bill C-288, An Act to amend the Telecommunications Act (transparent and accurate broadband services information), in respect of broadband speed advertising and other consumer rules under the Telecommunications Act. Bill C-27, Consumer Privacy Protection Act, in respect of this bill's modification to consumer privacy standards under PIPEDA. Bill C-26, An Act respecting cyber security, amending the Telecommunications Act and making consequential amendments to other Acts, in respect of consumer confidentiality, privacy and other matters. Bill C-252, An Act to amend the Food and Drugs Act (prohibition of food and beverage marketing directed at children), in respect of food retailing restrictions and advertising. Bill C-244, An Act to amend the Copyright Act (diagnosis, maintenance and repair), in respect of consumers' right to repair.

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.