Speeches by Grady.

“Since I spoke, the police have explained more clearly some of the stuff that happened last night. Glasgow central mosque sits in the heart of my seat, and is somewhere that many Muslim brothers and sisters go to pray, as I am sure will visitors in Commonwealth games teams. That mosque had to be locked last night. Peopl…”

“Since I spoke, the police have explained more clearly some of the stuff that happened last night. Glasgow central mosque sits in the heart of my seat, and is somewhere that many Muslim brothers and sisters go to pray, as I am sure will visitors in Commonwealth games teams. That mosque had to be locked last night. Peopl…”

“I could not agree more with my hon. Friend. The number of volunteers speaks eloquently to the generosity of spirit in Glasgow, across Scotland and across our family of nations. We are excited to welcome great sportspeople. I look forward to the return of a great Australian swimmer, Lakeisha Patterson, who is one of the…”

“It is a pleasure to serve under your chairship, Mr Twigg. I thank my hon. Friend the Member for Glasgow West (Patricia Ferguson) for securing this debate. A wonderful servant of the people of Glasgow, she is the embodiment of Glaswegian and Scottish values of public service that are shared across our family of nations.…”

“Do the Government have an open mind on further intervention if a voluntary approach does not work?”

“That is very helpful, but I am genuinely trying to get to the heart of this issue. We had a very interesting discussion with Ms Pritchard from the FCA. What I took from her evidence is that no financial institution is under an obligation to serve customers if it is going to be loss-making. The FCA’s consumer duty canno…”

“And without Government intervention, the market will not provide this because these customers are simply not sufficiently profitable to serve.”

“The strategy relies heavily on voluntary commitments. I just want to explore that a bit, if I may. What some bankers have explained to me is that they accept that customers need help with their money, face-to-face banking, motor insurance and contents insurance. They accept that these are essential products. The hard f…”

“Minister, this is not the end, which is good news. I am delighted to hear that. Would you be able to write to the Committee, reflecting on the sorts of things you might explore to ensure that HMT is properly informed about consumer voices in the future, such as through calls for evidence and so on, as you develop this …”

“One of the criticisms that has been made is that there was no general call for evidence. This Select Committee has had a very successful call for evidence in the context of student loans. If we could go back in time, would a call for evidence have been a good idea to get a wider set of consumer voices?”

“That is a very timely question about credit unions. The Select Committee visited Glasgow last year, where we met representatives of the BCD Credit Union in Bridgeton, which is one of the excellent community credit unions. The concern of the Committee in visiting Glasgow was to make sure that some of the poorest consume…”

“I look forward to hearing about that, Dame Meg.”

“Is the Treasury going to step back at some point and look at how the system has worked to delay it so long?”

“I mean the overall system and whether we can deal with these things more expeditiously in the courts.”

“Just stepping back on the motor finance saga, we have already had extensive litigation, including on various common law principles. We now have a judicial review, which could, of course, go to the Court of Appeal or even the Supreme Court on a point of law. This is taking a long time. Consumers are not getting money to…”

“If I paraphrased your answer, would it be broadly as follows: the FCA cannot force financial institutions to provide basic core financial products to people, but the Government would do well to consider some sort of mandating or social tariff, if you like, for core financial products, or some solution along those lines…”

“Some of these things, such as a bank account or contents insurance for a flat, are basic financial products that everyone needs to participate in society, just like electricity, gas and food, in a way. The consumer duty means you cannot mandate anyone to provide products to customers, in particular if a product is unaf…”

“My constituency has very high levels of poverty. If a firm excludes certain consumers because they are higher risk or less profitable, does that engage with consumer duty?”

“I should declare that I have a relative who works for a large mutual. I suspect that the timetable you have set out does not take into account the fact that the judicial review could then go to the Court of Appeal if it is a point of law, and then the Supreme Court, so this could take even longer. Does this not emphasi…”

“I welcome the Foreign Secretary’s statement. Though I appreciate that the ban on trade with illegal settlements may be complicated, it is our moral duty to overcome those complications. Conflict creates very serious issues for some of the poorest countries in the world, which cannot withstand the energy and food crisis…”