Speeches by Hayes.

“Will the hon. Lady give way?”

“I am very grateful to the hon. Gentleman and I entirely support his argument and his amendment. This is the difference between, in his estimation, accepting a request and promoting a service. Advertising is about the promotion of a service to doubtful, fearful and vulnerable people, and that is precisely what his amend…”

“Will my hon. Friend give way?”

“The reason why what my hon. Friend has said is so important is that it is yet another important safeguard, particularly given that, as we learn from analysis in the impact assessment, much of this is outsourced to private organisations. Those organisations need to be regulated in precisely the way he has described.”

“Will the hon. Gentleman give way?”

“The hon. Gentleman is fast becoming one of my favourites on the Government Benches, among many competitors. The point that he makes is fundamental. If we are going to do this right, we have to do it thoroughly and with independent analysis. Had the hon. Member for Spen Valley (Kim Leadbeater) engaged in pre-legislative…”

“I give way to the hon. Member for North Herefordshire as I cited her.”

“The hon. Gentleman anticipated what I was about to say; I have cited exactly that evidence many times during the debate. We need to look at the experience elsewhere to inform what we do here. We always do that when we pass the right laws in this place. There is worse news than that, because rather than being improved d…”

“I am afraid that I disagree. There are numerous cases where people will be encouraged, and perhaps even forced, to take a decision, when they are coping with illness and at their most vulnerable—when they are frightened, doubtful and distressed, and may be unbalanced. Of course we have to protect against that eventuali…”

“Edmund Burke said: “Bad laws are the worst sort of tyranny.” Over time, I have seen many imperfect measures put before the House—under Governments of all persuasions, by the way—and usually, through scrutiny, they are improved. That is because the parliamentary process works when there is time available, and in particu…”

“That is partly about the specification of need and the quantification of how we meet it. Government can be helpful in that. I first took an interest in the matter as a county councillor more than 30 years ago and then as a shadow Schools Minister more recently—some 20 years ago. The Government can provide support throu…”

“That is the truth that dare not speak its name. It is often the most disadvantaged or poorly educated parents who struggle to navigate a complex system. Middle-class parents are at an advantage—let us face facts—but that is never really recognised, and it needs to be. Those people need support and guidance to navigate …”

“As I expected, my hon. Friend is making a powerful and compelling case. Will she also ask the Minister to address the issue of special needs not being static? Many needs are dynamic—children change when their needs change—and that dynamism needs to be built into the system so that flexible funding can follow need.”

“The point was made earlier about rural areas. My county of Lincolnshire has a sparsely distributed population, which makes travel and access difficult for parents of children with special needs. Will the Minister address that in the new funding formula to ensure that rural areas do not lose out?”

“The clue is in the phrase “banking service”. It is about providing a service to people. As the hon. Member for Lichfield (Dave Robertson) said, banks dignify communities too. This is about personal interactions, trust and building relationships. That is what we do when we go into a bank, and we could never do that in t…”

“My hon. Friend makes a powerful point, and I particularly wish to draw his attention to the plight of blind people. Royal National Institute of Blind People research in 2023 found that 28% of blind and partially sighted people never used the internet, they struggle with ATMs, and they struggle too with travel to banks.”

“That is why the Link criteria need to change, is it not? The trouble is that rural areas are disproportionately damaged by the fact that the population size is not big enough. People cannot get access to banking in The Deepings, Long Sutton, Donington and elsewhere in my constituency. I am sure it is the same in the ho…”

“The hon. Gentleman is becoming an hon. Friend. What happens is that the banks encourage their customers to do things online. You cannot open an account in a branch—where branches still exist—and then say that online banking is replacing face-to-face contact.”

“Before my hon. Friend comes on to those challenges—and I am mindful of the contribution of my hon. Friend the Member for Berwickshire, Roxburgh and Selkirk (John Lamont)—can he tell us whether he is as disturbed as I am by the increasing number of tragic events in which people drown as a result of not being able to swi…”

“In order to help the Minister, because I know she does not have much time, would she agree to meet me offline to discuss that? It would be much easier if I could meet her with a community group from the Deepings, and we can take that forward.”