The Personal Information Protection and Electronic Documents Act (PIPEDA) applies to private sector organizations that operate across provincial or national borders in Canada in the course of commercial activities. Therefore, employees of an airline offering flights across Canada would be subject to PIPEDA because their employer operates in a federally regulated sector involving interprovincial transportation. The other examples given—underwriters for a New Brunswick insurance company, clerks at a Montreal credit union, and the IT department of a provincial government office in Saskatchewan—are subject to provincial privacy laws rather than PIPEDA. In the case of the credit union in Quebec and the insurance company in New Brunswick, provincial privacy laws apply to their operations within the province, and provincial public sector privacy laws cover the Saskatchewan Office of Residential Tenancies.