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searchaux" style="display:none">Act of the Parliament of Canada</div> <p class="mw-empty-elt"> </p> <style data-mw-deduplicate="TemplateStyles:r1257001546">.mw-parser-output .infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><table class="infobox"><tbody><tr><th colspan="2" class="infobox-above" style="background-color: #ededed"><i>Bank Act</i></th></tr><tr><th colspan="2" class="infobox-header" style="background-color: #ededed"><a href="/wiki/Parliament_of_Canada" title="Parliament of Canada">Parliament of Canada</a></th></tr><tr><td colspan="2" class="infobox-full-data"><div class="collapsible-list mw-collapsible" style="text-align: left;"> <div style="line-height: 1.6em; font-weight: bold; font-weight:normal;background:transparent;text-align:center;"><div style="margin: 0 4em"><b><a href="/wiki/Long_title" class="mw-redirect" title="Long title">Long title</a></b></div></div> <ul class="mw-collapsible-content" style="margin-top: 0; margin-bottom: 0; line-height: inherit; list-style: none; margin-left: 0;"><li style="line-height: inherit; margin: 0"> <div class="center" style="width:auto; margin-left:auto; margin-right:auto;"><i>An Act respecting banks and banking</i> </div> </li></ul> </div></td></tr><tr><th scope="row" class="infobox-label">Citation</th><td class="infobox-data">Bank Act<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label">Enacted by</th><td class="infobox-data"><a href="/wiki/Parliament_of_Canada" title="Parliament of Canada">Parliament of Canada</a></td></tr><tr><th scope="row" class="infobox-label">Assented to</th><td class="infobox-data">December 13, 1991</td></tr></tbody></table> <p>The <i><b>Bank Act</b></i> (1991, c. 46) (<a href="/wiki/French_language" title="French language">French</a>: <i lang="fr">Loi sur les banques</i>) is an <a href="/wiki/Act_of_Parliament" class="mw-redirect" title="Act of Parliament">act</a> of the <a href="/wiki/Parliament_of_Canada" title="Parliament of Canada">Parliament of Canada</a> respecting banks and banking. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Bank_Act_(Canada)&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The <i>Bank Act</i> was originally passed in 1871. The terms of the <i>Act</i> provide for a statutory review of the <i>Act</i> on a regular basis to ensure that legislators update the <i>Act</i> in order that it keep pace with developments in the financial system. Historically, this was done on a decennial basis.<sup id="cite_ref-The_Quebec_History_Encyclopedia_2-0" class="reference"><a href="#cite_note-The_Quebec_History_Encyclopedia-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> In 1992, this requirement was changed to every five years. The <i>Act</i> contains a "sunset" clause providing that it and the bank charters provided by it will expire unless the statutory review is conducted every five years. In 2016 the Federal Government proposed a two-year extension<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> to the review deadline. The most recent statutory review of the <i>Act</i> took place in 2019 with the next review scheduled for 2023.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Credit_unions">Credit unions</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Bank_Act_(Canada)&action=edit&section=2" title="Edit section: Credit unions"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2010, the <a href="/wiki/Parliament_of_Canada" title="Parliament of Canada">Parliament of Canada</a> passed amendments to the <i>Act</i> to allow <a href="/wiki/Government_of_Canada" title="Government of Canada">federal</a> credit unions to exist as a new class of financial institution. Credit unions differ from banks in that they are member-owned, democratically controlled and governed by co-operative principles. The <i>Bank Act</i> allows that federal credit unions may either be created by five persons (of which three must be individuals), or through the continuance of one or more credit unions existing within provincial jurisdiction. The provisions came into force at the end of 2012. </p><p>The first federal credit union in Canada was <a href="/wiki/UNI_Financial_Cooperation" title="UNI Financial Cooperation">UNI Financial Cooperation</a> (formerly Mouvement des caisses populaires acadiennes), based in <a href="/wiki/New_Brunswick" title="New Brunswick">New Brunswick</a>, which converted to a federal charter in 2016.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p><p>On June 30, 2017, the <a href="/wiki/Office_of_the_Superintendent_of_Financial_Institutions" title="Office of the Superintendent of Financial Institutions">Office of the Superintendent of Financial Institutions</a> issued an advisory, stating that it planned to enforce the <i>Bank Act'</i>s prohibitions on using the word or verbiage "bank" in connection to any financial service that is not a bank. The terms were required to be removed from websites by the end of 2017, from print materials by the end of June 2018, and from physical signage by the end of June 2019. The announcement was criticised by credit unions, who believed that it would make it difficult to market their services in a comparable manner to banks, as well as the costs of updating marketing materials to comply with the mandate. The OSFI suspended the advisory in August 2017, after the federal government stated that it would review the rules. In February 2018, the <i>Bank Act</i> was amended as a riser to the federal budget, allowing credit unions to use banking vernacular to market their services.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Structure">Structure</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Bank_Act_(Canada)&action=edit&section=3" title="Edit section: Structure"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The <i>Act</i> groups banks in three schedules. Schedule I banks are domestic banks allowed to accept deposits. Schedule II banks are subsidiaries of foreign banks that are allowed to accept deposits through branches in Canada. Schedule III banks are foreign banks with certain restrictions upon the banking business they can conduct in Canada. </p><p>The Canadian banking industry includes 20 domestic banks, 24 foreign bank subsidiaries and 22 foreign bank branches operating in Canada.<sup id="cite_ref-CBA_9-0" class="reference"><a href="#cite_note-CBA-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> <a href="/wiki/ATB_Financial" title="ATB Financial">ATB Financial</a>, a financial institution owned by the <a href="/wiki/Government_of_Alberta" title="Government of Alberta">Government of Alberta</a>, and Canada's many credit unions, are not included in this list. </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Bank_Act_(Canada)&action=edit&section=4" title="Edit section: See also"><span>edit</span></a><span 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a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://laws.justice.gc.ca/eng/acts/B-1.01/FullText.html">"Canadian Department of Justice - Bank Act"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Canadian+Department+of+Justice+-+Bank+Act&rft_id=https%3A%2F%2Flaws.justice.gc.ca%2Feng%2Facts%2FB-1.01%2FFullText.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-The_Quebec_History_Encyclopedia-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-The_Quebec_History_Encyclopedia_2-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://faculty.marianopolis.edu/c.belanger/quebechistory/encyclopedia/BankinginCanada-CanadianBanks-CanadianHistory.htm">"History of the Banking system of Canada to 1948"</a>. The Quebec History Encyclopedia.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=History+of+the+Banking+system+of+Canada+to+1948&rft.pub=The+Quebec+History+Encyclopedia&rft_id=http%3A%2F%2Ffaculty.marianopolis.edu%2Fc.belanger%2Fquebechistory%2Fencyclopedia%2FBankinginCanada-CanadianBanks-CanadianHistory.htm&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.canadianunderwriter.ca/insurance/feds-propose-extension-mandatory-bank-act-review-2019-1004087465/">"Feds propose extension of mandatory Bank Act review to 2019"</a>. March 23, 2016.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Feds+propose+extension+of+mandatory+Bank+Act+review+to+2019&rft.date=2016-03-23&rft_id=https%3A%2F%2Fwww.canadianunderwriter.ca%2Finsurance%2Ffeds-propose-extension-mandatory-bank-act-review-2019-1004087465%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://cba.ca/canada-bank-act-review">"StackPath"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=StackPath&rft_id=https%3A%2F%2Fcba.ca%2Fcanada-bank-act-review&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.fin.gc.ca/n16/16-086-eng.asp">"Minister Morneau Welcomes Canada's First Federal Credit Union"</a>. <i>News</i>. Department of Finance Canada<span class="reference-accessdate">. Retrieved <span class="nowrap">September 7,</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=News&rft.atitle=Minister+Morneau+Welcomes+Canada%27s+First+Federal+Credit+Union&rft_id=http%3A%2F%2Fwww.fin.gc.ca%2Fn16%2F16-086-eng.asp&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://www.cbc.ca/news/canada/nova-scotia/credit-union-bank-act-atlantic-banking-banker-1.4191781">"Why credit unions will no longer be able offer 'banking' services"</a>. <i>CBC News</i><span class="reference-accessdate">. Retrieved <span class="nowrap">July 15,</span> 2017</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=CBC+News&rft.atitle=Why+credit+unions+will+no+longer+be+able+offer+%27banking%27+services&rft_id=http%3A%2F%2Fwww.cbc.ca%2Fnews%2Fcanada%2Fnova-scotia%2Fcredit-union-bank-act-atlantic-banking-banker-1.4191781&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://www.cbc.ca/news/canada/nova-scotia/credit-unions-canada-banking-terms-federal-budget-1.4555579">"Federal budget gives credit unions OK to keep using the word 'banking'<span class="cs1-kern-right"></span>"</a>. <i>CBC News</i><span class="reference-accessdate">. Retrieved <span class="nowrap">March 2,</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=CBC+News&rft.atitle=Federal+budget+gives+credit+unions+OK+to+keep+using+the+word+%27banking%27&rft_id=http%3A%2F%2Fwww.cbc.ca%2Fnews%2Fcanada%2Fnova-scotia%2Fcredit-unions-canada-banking-terms-federal-budget-1.4555579&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation news cs1"><a rel="nofollow" class="external text" href="http://www.cbc.ca/news/business/ottawa-bank-credit-union-terms-1.4244355">"Feds to review whether credit unions can use banking terms following outcry"</a>. <i>CBC News</i><span class="reference-accessdate">. Retrieved <span class="nowrap">March 2,</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=CBC+News&rft.atitle=Feds+to+review+whether+credit+unions+can+use+banking+terms+following+outcry&rft_id=http%3A%2F%2Fwww.cbc.ca%2Fnews%2Fbusiness%2Fottawa-bank-credit-union-terms-1.4244355&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> <li id="cite_note-CBA-9"><span class="mw-cite-backlink"><b><a href="#cite_ref-CBA_9-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://web.archive.org/web/20111211164735/http://www.cba.ca/en/banks-in-canada">"Banks in Canada"</a>. <i><a href="/wiki/Canadian_Bankers_Association" title="Canadian Bankers Association">Canadian Bankers Association</a></i>. Archived from <a rel="nofollow" class="external text" href="https://www.cba.ca/en/banks-in-canada">the original</a> on December 11, 2011<span class="reference-accessdate">. Retrieved <span class="nowrap">December 27,</span> 2011</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Canadian+Bankers+Association&rft.atitle=Banks+in+Canada&rft_id=http%3A%2F%2Fwww.cba.ca%2Fen%2Fbanks-in-canada&rfr_id=info%3Asid%2Fen.wikipedia.org%3ABank+Act+%28Canada%29" class="Z3988"></span></span> </li> </ol></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Bank_Act_(Canada)&action=edit&section=6" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://laws.justice.gc.ca/eng/acts/B-1.01/FullText.html">Canadian Department of Justice - Bank Act</a></li> <li><a rel="nofollow" class="external text" href="https://www.thecanadianencyclopedia.ca/en/article/bank-act">Bank Act</a> at <a href="/wiki/The_Canadian_Encyclopedia" title="The Canadian Encyclopedia">The Canadian Encyclopedia</a></li></ul>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Retrieved from "<a dir="ltr" href="https://en.wikipedia.org/w/index.php?title=Bank_Act_(Canada)&oldid=1254595606">https://en.wikipedia.org/w/index.php?title=Bank_Act_(Canada)&oldid=1254595606</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Help:Category" title="Help:Category">Categories</a>: <ul><li><a href="/wiki/Category:Financial_regulation_in_Canada" title="Category:Financial regulation in Canada">Financial regulation in Canada</a></li><li><a href="/wiki/Category:Canadian_federal_legislation" title="Category:Canadian federal legislation">Canadian federal legislation</a></li><li><a href="/wiki/Category:Banking_in_Canada" title="Category:Banking in Canada">Banking in Canada</a></li><li><a href="/wiki/Category:1991_in_Canadian_law" title="Category:1991 in Canadian law">1991 in Canadian law</a></li><li><a href="/wiki/Category:Banking_legislation" title="Category:Banking legislation">Banking legislation</a></li><li><a href="/wiki/Category:1871_in_Canadian_law" title="Category:1871 in Canadian law">1871 in Canadian law</a></li></ul></div><div id="mw-hidden-catlinks" class="mw-hidden-catlinks mw-hidden-cats-hidden">Hidden categories: <ul><li><a href="/wiki/Category:Articles_with_short_description" title="Category:Articles with short description">Articles with short description</a></li><li><a href="/wiki/Category:Short_description_matches_Wikidata" title="Category:Short description matches Wikidata">Short description matches Wikidata</a></li><li><a href="/wiki/Category:Use_mdy_dates_from_April_2018" title="Category:Use mdy dates from April 2018">Use mdy dates from April 2018</a></li><li><a href="/wiki/Category:Articles_containing_French-language_text" title="Category:Articles containing French-language text">Articles containing French-language text</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> This page was last edited on 31 October 2024, at 19:36<span class="anonymous-show"> (UTC)</span>.</li> <li id="footer-info-copyright">Text is available under the <a href="/wiki/Wikipedia:Text_of_the_Creative_Commons_Attribution-ShareAlike_4.0_International_License" title="Wikipedia:Text of the Creative Commons Attribution-ShareAlike 4.0 International License">Creative Commons Attribution-ShareAlike 4.0 License</a>; additional terms may apply. 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