From: XXXX Sent: December-04-13 11:50 AM To: Consumer Code / Code consommateur Subject: Financial consumer code consultation I have just one issue: I can pay my bills through online banking and I can get cash from an ATM that is not my bank's. I can even send money to myself (or someone else) via email and transfer funds that way to another bank. But I cannot transfer funds or pay for things like a line of credit between banks. I would like to see banks break this barrier and allow other banks to be added as online payees (if XXXX can do it,why not the XXXX?). Thanks XXXX