Speeches by Yang.

“Mr Rathi, in previous years when the Bank of England base rate was still going up, our predecessor Committee asked why banks were not passing this increase on to consumers in savings but were on mortgages. Do you think that the inverse might be happening now that rates are starting to go down? How concerned are you tha…”

“I thank the hon. Lady for her intervention, and, at this point, refer to my entry in the Register of Members’ Financial Interests and my support from the unionised voices of those who work in the sector to which she referred. I commend the Government’s green prosperity plan to initiate a skills transition, and provide …”

“It is a pleasure to serve under your chairship, Madam Chair. I will talk mostly about new clause 5 on capital gains tax, but, given the remarks by the shadow Minister, I will make a few points on the broader matter and on incentives to start a new business. My constituency of Earley and Woodley in the Thames Valley is …”

“Thank you, Ms Ghani. I apologise for my inconsistent bobbing. I am still learning when to stand up, but what has gone up and stayed up are the record profits of the oil and gas majors. I will start my speech on that topic, and will go on to speak about where those profits have come from and, finally, what the proceeds …”

“You mentioned before the need for financial education and literacy. Is that part of a discussion the FCA is having more broadly within the Government about how to start to include that in schools and in school curricula?”

“When you think about the groups of people who are ready or for whom it might be appropriate to take on more risk, do you have certain demographics or parts of the population in mind? For example, when you talk about equities investment, it brings to mind those who have enough of a lifespan to enjoy the long-term holdin…”

“Mr Alder, I wanted to ask a bit more about the appropriate level of participation for retail investors. In your previous speech, you mentioned that the different investment culture in Hong Kong that you saw was one of much higher retail participation than in the UK. People were much more aware of the market and risks i…”

“Q13. Local councils in my constituency are facing significant financial pressures on special educational needs and disabilities provision. In Wokingham borough, for example, the SEND incidence is twice the national average, yet historically the level of funding has not met the level of need, and that has left families …”

“I want to go back to the point about local authorities and their subcontracted services. I was wondering if, in the panel’s dialogues with local authorities, you have ever had the point made back to you that it is a resource issue for their subcontracted services to accept cash. First, what would you say to that argume…”

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“I want to pick up on the point that you made about car parking. Car parking is an issue that comes up frequently on the doorstep in Earley and Woodley constituency. The Oracle shopping centre in the centre of Reading has a cashless car park, for example. I was wondering whether you or anyone on the panel has had these …”

“I want to broaden out the point beyond leisure centres to public services more generally, including services subcontracted by local authorities. Mr Delnevo, could you give a broad overview of the changes in cash acceptance in this sector and in particular parts of it over the last decade or so?”

“In the way politicians and the Government respond to, for example, constituents or consumer concerns expressed by groups like yours, versus the way that the FCA and other regulators deal with those concerns. Do you see much of a difference in those two areas?”

“On the broader point about how the industry affects lobbying, do you see any difference in the way that the Government—you mentioned politicians, Ms Concha—and, on the other hand, regulators listen to consumer concerns?”

“To get into the particular example of the lowering of the limit for authorised push payment refunds for consumers—for those who have transferred money to fraudsters, essentially—that has now been taken down to about a fifth of what it was, with the limit now £85,000. Does anyone want to comment on that process?”

“It is fair to say that this panel has some differences in view from the previous panel of industry representatives. How well matched do you feel in lobbying power and getting the ear of the regulator, compared with those industry lobbyists?”

“It is fair to say that this panel has some differences in view from the previous panel of industry representatives. How well matched do you feel in lobbying power and getting the ear of the regulator, compared with those industry lobbyists?”

“Just to be clear, to Mr Wright, in those cases, if they were to happen in the next year or so, is your preference that there would be an attitude from the Government and regulators that some people had fallen victim to those problems?”

“To get into the particular example of the lowering of the limit for authorised push payment refunds for consumers—for those who have transferred money to fraudsters, essentially—that has now been taken down to about a fifth of what it was, with the limit now £85,000. Does anyone want to comment on that process?”

“Just to be clear, to Mr Wright, in those cases, if they were to happen in the next year or so, is your preference that there would be an attitude from the Government and regulators that some people had fallen victim to those problems?”