Witnesses: Canadian Bankers Association: Warren Law, Senior Vice-President, Corporate Operations and General Counsel; Ron King, Chief anti-laundering laundering, Scotiabank. Office of the Auditor General of Canada: Douglas Timmins, Assistant Auditor General. Canada Revenue Agency: Elizabeth Tromp, Director General, Charities Directorate, Legislative Policy and Regulatory Affairs Branch; Donna Walsh, Director, Review and Analysis Division, Charities Directorate, Legislative Policy and Regulatory Affairs Branch; Denis Meunier, Director General, Enforcement and Disclosures Directorate, Compliance Programs Branch. Western Union: Brian Fox, Regional Vice-President Canada. Canadian Life and Health Insurance Association Inc.: Jean-Pierre Bernier, General Counsel. Office of the Superintendent of Financial Institutions Canada: Nicolas Burbidge, Senior Director, Compliance Division. Federation of Law Societies of Canada: James Varro, Policy Counsel, Anti-Money Laundering Committee. Canadian Bar Association: Ron Skolrood, Chair, Constitutional and Human Rights Law Section; Tamra L. Thomson, Director, Legislation and Law Reform. Investment Dealers Association of Canada: Lawrence N. Boyce, Vice-President, Sales Compliance and Registration. Senate: Hon. Jerahmiel S. Grafstein, Chairman, Banking, Trade and Commerce Committee.