Merchants have already sued Credit card networks for alleged conspiring with banks to fix high swipe fees, fees which are charged to businesses when consumers pay with credit or debit cards which the Canadian government, Finance Minister Joe Oliver , Joe.Oliver@parl.gc.ca, claims are among the highest in the world. Credit card networks and Banks also are allegedly conspiring to fix borrowing fees, which leads to the high consumer borrowing costs! Canadian, Consumers do need real protection now, ASAP