Speeches by Hoare.

“The Secretary of State makes a compelling argument on the merits of breakfast for many of our young children and the benefits that it has for learning. Can she say a word or two on two points? First, will she answer the question being raised in the secondary sector about future funding beyond the agreed time period? Se…”

“The hon. Gentleman makes an interesting point. I think the trend has been pretty clear, and the goalposts have moved. From late 2008 or 2009 through to about 2015 or 2016, I think the Government could and should have been much tougher and more exacting, but we are where we are. I take his point and I understand it, but…”

“The hon. Lady is right. She allows me to pause to pay tribute to the Post Office and to members of the Association of Convenience Stores, which have stepped in to provide some level of service in those areas where the banks have gone. That brings me to one of my key asks of the banks, and the Minister as well. Yet agai…”

“I will, but I just want to make the point that was well made by my constituent in her email. She is a customer of Lloyds in Blandford and she does online banking, but during the storm, her digital services were down. She needed to do some important banking and had no way of doing it. She asks how her 92-year-old mother…”

“My right hon. Friend is absolutely right. When a bank closed in my constituency on an earlier occasion, I remember it telling me, “If customers need to talk to an actual person, they could use the branch in Poole.” I explained that that was right, but it would take two days out of the week, because those customers woul…”

“Let me make a little progress and I will give way first to my hon. Friend and then to the hon. Gentleman. At the heart of everything this place does, we must think about social inclusion and trying to deliver services that meet the needs of a wide range of our population. According to Age UK, four in 10 adults over the…”

“I am grateful to my hon. Friend. His constituency, and indeed a lot of our coastal communities, will have that profile of constituents that is older and more settled, and they will want to see things delivered in the way that they are used to. That does not mean that they shun change completely, but they do have a legi…”

“Let me just finish this point. That was the first promise, but it seemed to disappear quite quickly. Then the Post Office came in, and then there seemed to be an over-reliance on building societies. I notice that Nationwide—I think it is Nationwide; I could be wrong—is saying in its television advertisement that it ple…”

“I agree absolutely. A more sensitive and refined definition of the hub-and-spoke model is also needed. If we look at the resident catchment of a market town, we can construct a compelling argument that a proposal for a hub does not stack up, but we must add in the thousands of people who live in the villages that look …”

“Let me give way to my hon. Friend from Surrey and then I will give way to the hon. Lady.”

“I agree entirely with my hon. Friend who represents Surrey and part of Hampshire. I would be happy for the Minister to write to me on this point if it is easier, but it strikes me that there is scope for a little bit of wiggle room with regard to the Financial Services and Markets Act 2023. The Act did not give the Fin…”

“Let me give way to the hon. Member for North Shropshire (Helen Morgan), then I will give way to my hon. Friend.”

“The hon. Lady is absolutely right. Again, I hope that any of the banks or regulators who may listen in or read the report will understand that this is not an issue that divides by party; it affects constituents across the country irrespective of which party represents them in this place. The key point is to have a prop…”

“I admire my right hon. Friend’s perseverance in ever trying to change the signatory on a charity bank account. People have died of boredom and exasperation trying to do it. A 60-year-old has to turn up with their great grandparents, their first cat and everything else to prove who they are. The fact that the bank has k…”

“Who could refuse?”

“The hon. Lady is right. The cynic might suggest that the opening hours were set in order to try to deliberately reduce footfall—possibly. That might be hugely cynical, and if it is, Madam Deputy Speaker, I will plead guilty as charged.”

“The hon. Lady is again absolutely right. Surely it makes good commercial sense for high street banks, as we used to call them—increasingly, they are not particularly high street banks—to be able to tout their wares to existing or potential customers. That is how to generate business: by having a presence. A hub makes a…”

“I give way to the hon. Member for North Northumberland, which really is a rural area.”

“Congratulations.”

“As I was saying—[Laughter.] I was tempted to scare the House by saying, “Having concluded my opening remarks,” but I think I had better not. If I may, I will address directly the Minister on the Treasury Bench, the hon. Member for Coventry East (Mary Creagh). I want to do so sincerely, because I like and admire her eno…”