Tiff Macklem

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.

To discuss measures to stabilize the business and operations of Home Trust Company and the housing market in Ontario.

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 effective Artificial Intelligence regulation to balance risks and foster innovation 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 Proceeds of Crime (Money Laundering) and Terrorist Financing Act and Regulations with respect to a number of issues including identification requirements Providing input on federal budget measures that may impact the banking sector. PIPEDA discussion seeking workable, practical approaches in the reform of PIPEDA Supporting the development of an innovative efficient, and secure payments ecosystem that benefits consumers Providing input on the development of the Consumer-Driven Banking Framework Working with government to protect Canadians against fraud and scams General information regarding financial institutions and an introduction to Citi Canada Discussion relating to housing finance framework, including reforms to expand housing supply, mortgage underwriting regulations and covered bonds. Providing inputs on Basel III Implementation with respect to capital floor phase-in and risk weights. 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 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 regarding the safe and reliable operation of Enbridge’s liquids pipelines, natural gas pipelines, and utilities and power assets. Discussions regarding projects, expansions, optimizations, and changes to tolling arrangements relating to Enbridge’s liquids pipelines, natural gas pipelines, and utilities and power assets. Discussions regarding policy developments on Indigenous engagement, consultation and economic inclusion. Discussions regarding market access for energy products, maintaining the integrated North American energy market, Canada-U.S. trade and cross-border issues and Canadian energy exports to other jurisdictions. Discussions regarding climate policies and initiatives, including the federal carbon charge, the Clean Fuel Standard, methane regulations, and the output-based pricing system, as well as policy supports for innovations that reduce greenhouse gas emissions (including Renewable Natural Gas, Compressed Natural Gas, CCUS, hydrogen and power-to-gas). Discussions regarding Canadian competitiveness, including on regulatory efficiency, as it pertains to environmental assessments and climate policies and taxation. Discussions and feedback regarding regulatory efficiency, including environmental assessments, the federal carbon charge, the Clean Fuel Standard, methane regulations, Clean Electricity Regulations, and the output-based pricing system.

Loi sur les banques - Dispositions ayant trait à l’organisation, au fonctionnement et à l’encadrement de l’écosystème des coopératives de crédit fédérales en vue de favoriser une concurrence accrue dans le marché canadien. Encadrement du secteur financier, notamment dans une perspective d’assurer un marché concurrentiel équitable pour les consommateurs et au bénéfice de la croissance de 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

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

Discussing encouraging the federal government to work with the provinces to break down interprovincial trade barriers as they relate to labour and credentials Discussing promotion of trades to youth, including marketing programs, advertisements, trade shows, working in collaboration with schools and the provinces. Discussing labour mobility policy in Canada, ensuring workers have the correct certification to work throughout the country. Discussing enhancing credentialing to enable faster and more streamlined certification for new Canadian workers. Discussed program structure and policy direction of the upcoming workforce alliances and the sectorial workforce innovation fund initiatives Advocated for opportunities within Canada's manufacturing sector to support future infrastructure initiatives in housing and/or public works projects. Discussing issues within Quebec's manufacturing sector, including Temporary Foreign Workers. Advocating for improvements to Canada's trade-enabling transportation infrastructure. Advocating for specific implementation measures related to recent policies or measures outlined in the latest budget process. Advocating for Health Canada-related policies that impact manufacturing. Advocate for support for Canada's steel industry Matters related to advancing female workforce in the manufacturing industry. Matters related to the renewal of CUSMA. Matters related to military and defence procurement Discuss the upcoming priorities of the RNNR Committee and its impact on the industry Advocate for policies to enhance Canadian manufacturing productivity Plastic issues as they are related to waste, pollution, health, single-use plastics, sources of plastic waste, government-industry cooperation in reducing plastic pollution, strengthening sustainable economies, protecting the environment, plastic registry, PFAS, etc Matters related to the impacts of rules limiting the intake of temporary foreign workers on manufacturing business. Matters related to upcoming RNNR Committee priorities on energy, forest, minerals and metals, and earth sciences sectors, and the impacts on the industry. Advocating for extension of existing IRCC pilot programs Matters related to trade with USA as they related to trade policies, tariffs, trade agreements, regulatory reform, retaliatory measures, tariff policy, remissions/relief policies considered by the federal government, provincial impact of implementing tariffs, etc. Matters related to the expected impact of US tariffs on manufacturing sectors and discuss funding opportunities for BuyCanada and BuyOntario Campaigns. Matters related to EI, worksharing program Critical minerals issues as they are related to barriers to extraction and processing, environmental impacts, social impacts, technological challenges, limited energy options, etc. Advocate for assistance to manage the frequent disruption of critical transportation infrastructure due to trade conflict and better financial support for trade corridors and a flexible regulatory approach for trucking regulations, renewal of iZEV program, removal of the luxury tax which impacts aircraft manufacturing Advocate for supply chain issues as they related to transportation and logistics, labour shortages/strikes, rising fuel and energy costs, regulatory changes such as ESG compliance laws, broken supply chains due to transportation barriers/strikes and long wait times for materials, etc. Advocated for broad supports to Canada's manufacturing sector to cope with U.S. trade developments. This includes relief for technology investment, on-the-job training, excise duty, broad red tape reduction, using both grants (e.g. SIF) and taxation (e.g. capital gains, corporate tax, excise duty). Advocate for Labour and skills shortages, support for workforce development training and education Advocate for the simplification, modernization and harmonization of the Canada's border regulations, including Beyond the Border. Advocate for reform to the Tempo

Discussions with officials on the audit of CPA infrastructure. Discussions with officials with regards to cruise tourism. Seeking changes to the Canada Marine Act. Discussions with officials with regards to the Ports Canada Conference. Discussions with officials with regards to Canada and U.S. trade and Trump trade measures. Discussions with officials with regards to border security. Discussions with officials with regards to trade relations between Canada and the United States of America. Supply chain fluidity and the role of the National Supply Chain Office in supply chain challenges. The provision of border services by CBSA at sufficient levels to support new and existing trade. Meeting Canada's supply chain infrastructure deficit and how it will be financed and funded. Seeking funding from Transport and Finance. Influencing the National Supply Chain Strategy by submitting detailed recommendations. Seeking changes to the Marine Transportation Security Regulations (MTSR) to improve security capabilities of port authorities. Privacy and Access to Information: Ensuring a fair and competitive framework for ports as commercially viable entities. National Trade Corridors Fund: Seeking funding for port infrastructure needs, also seeking funding under NTCF or other programs for decarbonization and deferred maintenance of infrastructure. Impact assessments: seeking clarity and precision on timelines for reviews. Environment and Energy: promoting ports as an environmentally progressive transport hubs integral to global supply chains and regional economic development.

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

INTERNATIONAL TRADE: Legislative proposals, regulations, policies or programs related to Canada's international trading and investment relationship with foreign markets. WORLD TRADE ORGANIZATION: Input to federal deliberations regarding international negotiations to implement the Doha Round of trade liberalization U.N. CONVENTION ON CLIMATE CHANGE: Input to federal deliberations on ongoing international negotiations respecting the Convention, as well as decisions about implementation of Convention provisions in Canada TRANS-PACIFIC PARTNERSHIP: Input to federal consultations re Canada's entry into the Trans-Pacific Partnership; and consideration of Canadian interests with respect to increasing economic ties with several nations of the Asia-Pacific, including trade in goods and services, foreign investment protections, intellectual property, immigration, labour mobility, etc. TELECOMMUNICATIONS POLICY: Federal policy and rules related to provision of telecommunications services in Canada, including competition among service providers, access to wireless spectrum, ownership and foreign investment, and access by new entrants SECURITY AND PROSPERITY IN NORTH AMERICA, with respect to rules governing the flow of goods, services and people across the border; cooperation among agencies in the three countries to streamline and harmonize rules and regulations governing the conduct of business; policies to enhance energy trade and energy security SCIENCE AND TECHNOLOGY POLICY: Input regarding policies that can support research and development of new science and technology and the broader adaptation of advanced technologies across the Canadian economy PUBLIC SERVICE: Rules and regulations governing the conduct of public servants in their relations with corporations and business associations, processes for consulting with business on the impact of new laws and regulations governing the conduct of business in Canada POST-SECONDARY EDUCATION: Rules governing federal-provincial financing arrangements for post-secondary education; and development of acceptable national standards for graduate degrees in various disciplines PARLIAMENTARY REFORM: Input regarding changes to rules governing Parliament; Senate reform NORTH AMERICAN LEADERS' SUMMIT: Input to the federal government regarding policy priorities for the annual summit of the leaders of Canada, the United States and Mexico NORTH AMERICAN FREE TRADE AGREEMENT: Amendments, sub-agreements and regulations governing trade relations between Canada, the United States and Mexico; with respect to the enhanced trade in goods and services, regulation of investment between countries, admittance of qualified immigrants and recognition of professional credentials for employment purposes NORTH AMERICAN DEFENCE: Input regarding the North American Aerospace Defence Command (NORAD) and other means to enhance collaboration among governments regading defence of the North American continent NORTH AMERICAN COMMISSION ON ENVIRONMENTAL COOPERATION: Input to federal deliberations regarding possible enhancement and coordination of environmental standards among Canada, the United States and Mexico NATIONAL SECURITY POLICY: Input regarding policies that Canada's national security policies and regulations impacting the private sector. NATIONAL SECURITIES REGULATOR: Supporting efforts by the federal government to work with the provinces and establish a single national regulatory authority for the regulation of corporations which issues shares to the public LOBBYING ACT: Regulations governing the conduct of lobbyists and their relations with the federal government with respect to the rules regarding communications and meetings between senior public office holders and corporations and organizational lobbyists INVESTMENT CANADA ACT: Regulations and policies with respect to the foreign ownership of Canadian companies; takeovers of Canadian companies by foreign corporations or state entities, thresholds that trigger review

To discuss the withdrawal notices issued by CPA Ontario and CPA Quebec.