From:	XXXX
Sent:	February-27-14 2:28 PM
To:	Consumer Code / Code consommateur
Subject:	Canada's Financial Consumer Protection Framework: Consultation Paper

Hi there,

In response to your solicitation for comments, I would like to offer this:

Recently, both my credit cards were renewed, and the renewed cards have the PayWave tap-to-pay 
feature on them. I don't want this feature; I think it's stupid and dangerous. Both of the issuing 
companies have told me that they are unable to supply cards which do not have this feature. 
I believe the feature should be optional, and all credit card issuing organizations should be required to 
provide an option for a card which cannot be used in this way (in other words, which requires a PIN for 
all transactions, however small).

Best regards,
XXXX