Speeches by Hoare.

“Labour Members may speak of their support and passion for small business, but they never speak of their experience of setting up and running one. There is very limited experience of that on the Labour Benches. Does my hon. Friend agree that that is part of the problem? Having never set up and run a business, they have …”

“Q13. I hope the Prime Minister knows that when he travels to Washington to meet the former leader of the free world, he does so with the hopes and prayers of this House and the country; probably no more serious a meeting could be taking place. While the subject of Ukraine will clearly dominate, will he undertake to rai…”

“I do not say this flippantly, but I almost fear that we are in danger of discussing how to deal with the legacy of the Troubles for longer than the Troubles actually went on themselves. That points to some of the intractability of some of the issues at hand. Ms Kilpatrick, you said that there was nothing wrong with wha…”

“Almost on that point, Mr Speaker, what an abdication of responsibility and duty it is that not a single member of the Reform party is able to ask a question of the Prime Minister this afternoon on these precious issues of defence and security. They are treated with a very different level of seriousness by Members on th…”

“I will, although the hon. Gentleman is neither retired nor elderly.”

“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…”

“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…”

“For a second time, of course.”

“The hon. Gentleman is absolutely right. In many respects—[Interruption.] I am beginning to get paranoid; I hear voices. He is absolutely right to make the point that he does. I pay tribute to how the Post Office has stepped up. Very often, in providing that sort of transactional bank service, it has supported the conti…”

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

“I am grateful to my hon. Friend, because again she enhances and underlines the argument that I have been deploying, and for which colleagues across the House have been kind enough to add their support. I suppose my annoyance is that the people who write the policies, whether they are the regulators or those in the bank…”

“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…”

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

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

“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 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…”