Before moving to the discussion of the substance in these amendments, it is important to appreciate two things, first, the history of the payday lending industry in Canada, including the impact it is having on communities across our country; and second, an overview of the questionable practices which have served as a clarion call to action and which forms a basis as to why these specific amendments are proposed.
Avant de m'attarder sur la substance de ces modifications, j'aimerais aborder deux points: premièrement, l'histoire de l'industrie des prêts sur salaire au Canada et son incidence sur les collectivités de tout le pays; et, deuxièmement, les pratiques douteuses qui ont été une sonnette d'alarme et qui justifient ces modifications.