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To ask the Chancellor of the Exchequer, what steps she is taking to ensure people with limited or no digital access are (a) aware of and (b) able to respond to the Access to Banking Services Review.
To ask the Chancellor of the Exchequer, what steps she is taking to ensure people with limited or no digital access are (a) aware of and (b) able to respond to the Access to Banking Services Review.
The Government is committed to ensuring that people who need in-person banking, including vulnerable customers and those with specific needs, can continue to access essential services. That is why HM Treasury launched the independent Access to Banking Services Review on 8 June, with the publication of the Call for Evidence, which will run for six weeks and close on 20 July.
The Government is encouraging participation in the Review from the widest possible range of stakeholders across the UK. Awareness of the Review has been supported through publication of the Call for Evidence on GOV.UK, accompanying stakeholder engagement and wider public communications. The independent Chair, Richard Lloyd OBE, is also undertaking stakeholder engagement to gather evidence from consumers, community organisations, charities, businesses and other interested groups.
There are a number of ways for people and businesses across the UK to contribute to the Call for Evidence. Those with no digital access can submit responses via post to:
Access to Banking Services Review
Financial Services Group, 1st Floor
HM Treasury
1 Horse Guards Road
London
SW1A 2HQ
Alongside the online survey, those wishing to submit via email, including supplementary evidence, research or data, can do so at accesstobankingservices@hmtreasury.gov.uk
To ask the Chancellor of the Exchequer, Pursuant to the answer of 9 June 2026 to Questions 6391, 6395 and 6396, what evidence of consumer detriment led her Department to commission the independent Review into Access to Banking Services announced on 14 May 2026; and whether her Department had undertaken...
To ask the Chancellor of the Exchequer, Pursuant to the answer of 9 June 2026 to Questions 6391, 6395 and 6396, what evidence of consumer detriment led her Department to commission the independent Review into Access to Banking Services announced on 14 May 2026; and whether her Department had undertaken...
The Government is aware of the public’s concerns around access to banking services, which are currently not protected in legislation. Whilst there is evidence on a local level of individuals being affected by the closure of bank branches, the Government needs robust evidence from across the UK. The Government therefore commissioned an independent Review into Access to Banking Services. The Review will identify who is affected by changes to access to in-person banking services and how many people are affected. It will also look at what kinds of banking services are important for people to be able to access.
The Review is designed to inform future decisions by the Government and regulators as to whether further action is needed and what this might look like, including through the Financial Services and Markets Bill.
The Government continues to support industry’s rollout of 350 banking hubs by the end of this Parliament. Banking hubs are deployed by industry as a voluntary solution to LINK’s access to cash assessments, though they also provide some banking services.
Over 275 hubs have been announced and over 235 have opened. The commitment to 350 hubs is not a limit, and Cash Access UK will deploy a banking hub wherever LINK, the industry coordinating body responsible for making access to cash assessments, following a community request or branch closure, suggests one is appropriate.
HMT launched the Access to Banking Services Review Call for Evidence on 8 June and will run for 6 weeks, closing on 20 July, inviting input from consumers, businesses, charities, community groups, local authorities and industry across the UK. The evidence will inform recommendations, with findings due in October. Responses can be submitted here: https://www.gov.uk/government/consultations/access-to-banking-services-review-call-for-evidence.
To ask the Chancellor of the Exchequer, whether the Access to Banking Services Review will consider rurality.
To ask the Chancellor of the Exchequer, whether the Access to Banking Services Review will consider rurality.
The Government recognises the importance of ensuring that communities across the UK can access the banking services they need. That is why HM Treasury has commissioned an independent Review into Access to Banking Services.
Whilst there is evidence on a local level of individuals being affected by the closure of bank branches, the Government needs robust evidence from across the UK.
The Review will examine whether changes to access to in‑person banking services are causing consumer detriment, the scale of any detriment, and who and where it affects, including in rural communities. The Review will seek input from market participants and consumer representatives, and Government and regulators will also be consulted.
Further details regarding how individuals and firms can contribute evidence to the Review will follow in due course.
To ask the Chancellor of the Exchequer, what her planned timetable is for the (a) production and (b) publication independent review to protect access to face‑to‑face banking across the UK.
To ask the Chancellor of the Exchequer, what her planned timetable is for the (a) production and (b) publication independent review to protect access to face‑to‑face banking across the UK.
The Access to Banking Services Review will consider access to in-person banking services and whether changes to access to in-person banking services are causing consumer detriment.
The Review will conclude in October 2026 so that its findings can inform the Government’s use of powers in the Financial Services and Markets Bill, supporting swift and proportionate action, should the evidence demonstrate a need to protect access to banking services.
The Financial Services and Markets Bill includes a power to allow the Government to take action in future to protect access to banking services, should this be necessary.
Further details regarding the launch and timetable, including publication, of the Review will be set out in due course.
To ask the Chancellor of the Exchequer, how individuals and small businesses can contribute to the Access to Banking Services Review.
To ask the Chancellor of the Exchequer, how individuals and small businesses can contribute to the Access to Banking Services Review.
The Government is committed to ensuring that people can continue to access in-person banking services. In addition, small businesses are an important and diverse part of the UK economy and supporting their growth, including their access to suitable banking services for their needs, is a priority for the Government.
That is why, on 14 May, the Government commissioned an independent Review into Access to Banking Services, chaired by Richard Lloyd OBE.
The Review will assess the impact of changes in the provision of in-person banking services across the United Kingdom, including the scale and nature of any detriment to consumers arising from a lack of access, with a particular focus on vulnerable groups. The evidence gathered will inform decisions on whether future action is needed.
The Review will seek input from market participants and consumer representatives, and may also consult Government and regulators.
Further details regarding how individuals and firms can contribute their evidence to the Review will follow in due course.
Lords consideration of Commons amendments and reasons. Lords amendment 1 not insisted on and Commons amendments 1A and 1B in lieu agreed to. Lords amendments 30 and 31 not insisted on and Commons amendments 31A, 31B and 31C in lieu agreed to. Lords amendment 43 not insisted on. Commons amendment 75A agreed to. Lords amendment 84 not insisted on and Commons amendments 84A and 84B in lieu agreed to. Lords amendment 97 not insisted on and Commons amendments 97A, 97B, 97C, 97D, 97E and 97F in lieu agreed to.
Lords consideration of Commons amendments and reasons. Lords amendment 1 not insisted on and Commons amendments 1A and 1B in lieu agreed to. Lords amendments 30 and 31 not insisted on and Commons amendments 31A, 31B and 31C in lieu agreed to. Lords amendment 43 not insisted on. Commons amendment...
Moved by
Baroness Anderson of Stoke-on-Trent:
Moved by
Baroness Anderson of Stoke-on-Trent:
My Lords, I beg to move Motion A and will speak also to Motions B and D.
I want to start by thanking this House once again for the constructive debates and meticulous scrutiny that the Public Authorities (Fraud, Error and Recovery) Bill has received throughout its passage. It has...
My Lords, I beg to move Motion A and will speak also to Motions B and D.
I want to start by thanking this House once again for the constructive debates and meticulous scrutiny that the Public Authorities (Fraud, Error and Recovery) Bill has received throughout its passage. It has...
My Lords, I thank the Government for listening to some of the points made by the noble Baroness, Lady Finn, myself and others. We are dealing here with Motions A, B and D, so let me deal with Motion A first. The Lords amendment aimed to give more powers to...
My Lords, I thank the Government for listening to some of the points made by the noble Baroness, Lady Finn, myself and others. We are dealing here with Motions A, B and D, so let me deal with Motion A first. The Lords amendment aimed to give more powers to...
My Lords, as we consider the amendments brought forward by the Government, I want to begin by recognising the diligent and constructive work undertaken across this House throughout the passage of this Bill. We have examined almost every clause in detail, identified weaknesses and proposed sensible, proportionate reforms. I think...
My Lords, as we consider the amendments brought forward by the Government, I want to begin by recognising the diligent and constructive work undertaken across this House throughout the passage of this Bill. We have examined almost every clause in detail, identified weaknesses and proposed sensible, proportionate reforms. I think...
I thank the noble Lord, Lord Palmer, and the noble Baroness, Lady Finn, for what I will take as wholehearted support for what we have done. I am grateful for their contributions and for the constructive engagement that led us to this point, both on these issues and in our...
I thank the noble Lord, Lord Palmer, and the noble Baroness, Lady Finn, for what I will take as wholehearted support for what we have done. I am grateful for their contributions and for the constructive engagement that led us to this point, both on these issues and in our...
Moved by
Baroness Anderson of Stoke-on-Trent
Moved by
Baroness Anderson of Stoke-on-Trent
My Lords, I have already spoken to Motion B. I beg to move.
Motion B agreed.
Motion C
My Lords, I have already spoken to Motion B. I beg to move.
Motion B agreed.
Motion C
Moved by
Baroness Sherlock
Moved by
Baroness Sherlock
My Lords, I will also speak to Motions E and F, with the leave of the House. I thank the noble Lord, Lord Vaux, for his continued constructive engagement on these issues. I hope that today we will reach a resolution with the amendments in lieu and assurances that I...
My Lords, I will also speak to Motions E and F, with the leave of the House. I thank the noble Lord, Lord Vaux, for his continued constructive engagement on these issues. I hope that today we will reach a resolution with the amendments in lieu and assurances that I...
My Lords, as we have just heard, Motions C, E and F relate to amendments that I tabled on Report, and which the House very generously supported.
I will start with Motion C, which relates to Amendment 43. This would have broadened the scope of the independent review of the use...
My Lords, as we have just heard, Motions C, E and F relate to amendments that I tabled on Report, and which the House very generously supported.
I will start with Motion C, which relates to Amendment 43. This would have broadened the scope of the independent review of the use...
My Lords, I thank the Minister for her constructive approach. It has not always answered all the questions but it has gone a long way towards that. I put on record our thanks to the noble Lord, Lord Vaux, for his constructive initiatives on which some of these amendments are...
My Lords, I thank the Minister for her constructive approach. It has not always answered all the questions but it has gone a long way towards that. I put on record our thanks to the noble Lord, Lord Vaux, for his constructive initiatives on which some of these amendments are...
My Lords, as we come to this final group of government amendments on the DWP section of the Bill, I begin by recognising the real progress that has been made on the DWP use of PACE powers and eligibility verification provisions—progress that has been driven by this House’s detailed scrutiny...
My Lords, as we come to this final group of government amendments on the DWP section of the Bill, I begin by recognising the real progress that has been made on the DWP use of PACE powers and eligibility verification provisions—progress that has been driven by this House’s detailed scrutiny...
My Lords, I thank all the noble Lords who have spoken in this debate. I am grateful that all noble Lords who have contributed have conceded that we have reached a point where we are all now content to move forward with this important Bill.
On the specifics, the noble Lord,...
My Lords, I thank all the noble Lords who have spoken in this debate. I am grateful that all noble Lords who have contributed have conceded that we have reached a point where we are all now content to move forward with this important Bill.
On the specifics, the noble Lord,...