Speeches by McDonagh.

“We have spoken about the public’s lack of faith in the financial industry and how broad your work is both on the side of the banks and financial institutions, and on the individual consumer. Can those two things not be combined in one agency? Is the FCA more interested in regard to car finance in the long-term interest…”

“Thank you. Finally, on burial plans, can I ask you about the 70,000 people who paid in for those in advance because they are very serious, thrifty people who did not want to be a burden on their families or the state, and now find themselves without a paid-for burial? Do you think, looking back, that there is any way y…”

“But you have these two countervailing forces. You have the banks, which are institutions we all rely on. We want them to have good and healthy futures via, potentially, hundreds of thousands of consumers who were treated badly and the scepticism that arises that the number has to be big on the consumer side to force an…”

“Would you not agree that the banks are wrong to claim that they are being punished retrospectively given that the FCA’s framework had been in place for many years?”

“Can I just raise with the Committee one of the more outlandish stories that I have heard about car finance? I understand that when you were going to buy a Porsche—I am sure the Committee will be well aware of the process—the waiting list was so long that you could find your way up the list if you bought a particularly …”

“There are two quite small areas that I see coming up where people pay in advance for services, and they relate to money providers such as companies like Wise and currency providers. Do you have any concerns that those consumers are adequately protected?”

“There is a huge contrast in the areas that you cover from international pension funds to vulnerable consumers. How well, in general, are firms dealing with those financial services consumers who might be thought to be vulnerable? Where do you have particular concerns?”

“We have been talking about access to cash and using cash for quite a few years now. What seems to precipitate it is reports in the media, particularly at the BBC, about the increasing numbers of people using cash in order to help them budget their way through the cost of living crisis. In your experience, in all your a…”

“I do not want to stray on to another section, but I was particularly taken by something that you said, Mr Delnevo, about council sports and swimming pool facilities that simply do not take cash, when the need of some of the groups you represent and care for to access that ability to exercise and feel good about themsel…”

“I thank the Member for his intervention and I am sure that the Minister will take it up in his contribution. However, at the moment the Member in charge has the floor.”

“I will call Liz Jarvis to move the motion and then call the Minister to respond. As is the convention for 30-minute debates, there will not be an opportunity for the Member in charge to wind up. I call Liz Jarvis to move the motion.”

“I remind Members that should they wish to contribute to the debate they should bob.”

“They need anonymity as well to shield what they are spending on.”

“You would need quite a lot of cash to go to GAIL’s, wouldn’t you? [Laughter.]”

“Should the Government legislate, regulate or issue guidance?”

“UK Finance’s most recent payments market report found that, for some people, digital budgeting tools are supplanting cash budgeting. Are there any barriers preventing some sections of society from being able to take up these tools? Are financially vulnerable people who rely on cash to budget experiencing inequality in …”

“I beg to move, That leave be given to bring in a Bill to make provision about the liability of practitioners, and of the organisation which employs the practitioner, where a practitioner prescribes an unlicensed medicine to or carries out a non-standard treatment on a person who is terminally ill; to make provision abo…”

“Order. This is Sarah Dyke’s debate, and she can conduct it as she wishes, but it seems to me that it may be more appropriate to ask for a longer debate because of the number of interventions she is accepting and the difficulty that may cause the Minister in responding.”

“Order. I apologise for interrupting the shadow Secretary of State, but I am looking at the time. I am sure hon. Members would like to hear from the Minister.”

“Order. I apologise, but could the hon. Member please explain briefly what his intervention is?”