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12,832 spoken contributions under 12 words (interjections such as “Will the hon. Member give way?”) are hidden. Show them

1. 1 Sep 2026·Parliament·Conservative·Mrs Kemi Badenoch

   Direction of Government

   Can I welcome the Prime Minister to his place at the Dispatch Box and take this, my first opportunity to congratulate him on becoming Prime Minister? He has been in office for 43 days, during which I have learned how he puts the milk in his tea and exactly what he thinks about pork scratchings, but I have not had the pleasure of asking him any questions. We are all grateful that he has finally found time to come to Parliament to answer some. It is only fair to be gentle with someone on their first day at work, so I am only going to ask the Prime Minister a few very simple but very serious questions. I hope that he can provide me with some simple and serious answers. I genuinely wish him well as he seeks to live up to the dignity and importance of the role. I was pleased to see him in Ukraine over the summer, continuing the Conservatives’ world-leading support for Ukraine’s fight against Russian aggression. That being said, I am also very relieved to see that he has not brought his guitar with him today. His predecessor stood at that Dispatch Box two years ago sounding very triumphant, having just won a landslide victory. What went wrong? Where is he now? Gone. That job is not as easy as it looks from the outside. Labour MPs have not explained why they got rid of him. [Interruption.] They are laughing, but they have not explained it. We on this side of the House understand that the country’s problems will not be solved by lofty promises alone. In the end, the Prime Minister will be judged on what he actually delivers. This is a very different job from being Mayor of Greater Manchester—a job where he did not have to pick winners and losers, make difficult trade-offs, or have to worry about our national security. He does now. A Government’s first and most important duty is keeping the country safe. The last Prime Minister and his Chancellor left an enormous hole in Britain’s defence budget. We know that because the current Chancellor quit as Defence Secretary over that black hole, saying that it could put British troops at risk. He said that there could be an attack by Russia on NATO as soon as 2030, and that not funding the defence investment plan reduces the readiness of our forces. Let me ask the Prime Minister very clearly: will he provide the funding that his own Chancellor said was necessary to keep British troops safe? That means 3% by the end of this decade. Keeping this country safe also means defending our borders. The Prime Minister mentioned boat crossings, but we must be honest: boat crossings have not gone down because of anything that Labour has done. [Interruption.] They have not. We have to be honest. Boat crossings are down across all of Europe, and have been down for much longer. Let us be honest: the problem is still not solved. The Prime Minister will have seen the extraordinary scenes in Ceuta over the summer, in which more than 70,000 people tried to cross into Europe. Many of those people would like to end up in the UK. This is not just a British problem; it is a growing global problem. Even Denmark is starting to send illegal migrants to other countries as a deterrent. That is exactly like the Rwanda scheme that the Conservatives put in place and Labour scrapped. We now hear that the Home Secretary is thinking about reviving a Rwanda-style scheme, so can the Prime Minister tell me—yes or no—if that is the plan? Next, the Prime Minister must keep British people safe from dangerous criminals. It was interesting to hear the comments in his statement about early release. Before the summer, I sat with women who had experienced some of the most horrific crimes imaginable, and the perpetrators of those crimes were about to be let out of prison early. The Prime Minister told those women that it was too difficult to keep their perpetrators in jail. Then he changed his mind. The family of PC Andrew Harper appealed to the Prime Minister not to release his killers early. Again, the Prime Minister told them that it was a non-starter. Then he changed his mind. The Conservatives told the Government to create new spaces in the existing prison estate, and to get foreign-born criminals out of our jails. The Government said that we were wrong, but now they are doing both. The Prime Minister has had five different positions on early release in six weeks, putting the victims through hell with his indecision. Will he now set out a timeline for his promise to get more foreign national prisoners out of British prisons? As well as keeping the country safe, the Prime Minister’s next big challenge will be making people in this country feel richer. The biggest mistake that Labour has made in office so far, and there have been quite a few to choose from, is that it has crushed our economy under the weight of nearly £70 billion in new taxes. The Prime Minister was not here for that, so I will give him the list: the jobs tax, the family farm tax, the family business tax, taxes on pensioners, taxes on workers and taxes on businesses. That is £3,500 a year for every working family. He says that he cares about the cost of living; Labour’s taxes have made that worse. Those taxes have cost people their jobs—thousands of jobs in oil and gas, and thousands of jobs in industry across our country. The recruitment market for new graduates is the worst it has ever been. There are 50% fewer vacancies than last year, which was already the worst on record. If the Prime Minister does not change course, he too, like every other Labour Prime Minister, will leave office with unemployment higher than it was when he came in. Can he guarantee, here and now, on the Floor of the House, that there will be no more tax rises in the autumn Budget? The year is 2026, yet the Prime Minister said in his statement that everything has gone wrong since the 1980s. He is still complaining about Margaret Thatcher. I am 46 years old, Mr Speaker—I may not look it, but I am. He is talking about a woman who became Prime Minister before I was born. He is living in the past, and he wants to take us back to the 1970s. We Conservatives are for the future, not the past. That is the difference between them and us. His ideas are all about more Government control, more spending, more tax and more politicians. The Conservatives want people to keep more of their own money. We want businesses to grow, invest, expand and create more jobs. That is the difference between the Labour party and the Conservative party. His diagnosis is completely wrong. His theory of growth is completely wrong. He thinks that if the Government spend more money, we will all get richer, but that is not how this works. Companies are not leaving our shores because there is not enough government. Another difference between us is in dealing with the ballooning welfare bill. Up and down this country, hard-working people are fed up of going to work and paying for their neighbours to sit at home with mild health conditions that do not stop them working. They are fed up of hearing, as we did this summer, that working in Boots is not good for your mental health—ridiculous. We are on the side of those hard-working, fed-up people. I ask the Prime Minister: will he stand up to his Back Benchers in a way that his predecessor never could and cut the benefits bill? It is a simple question. The Prime Minister engineered it so that he could have as long a summer holiday as possible, so he should be ready with some answers. I am even hearing rumours that he does not want to do Prime Minister’s questions next week, but it is my job to ask him serious questions, and it is time for him to start answering. [Interruption.] I know Labour Members do not like hearing the questions, but they are going to hear them. It is my job to speak on behalf of all the people out there who want to know what he has planned, and it is time for him to start answering some serious questions. Governing is hard, but the country needs the Prime Minister to succeed. Where it is in the national interest, I will help him. He may find that Conservative votes come in handy when Labour MPs are too scared to do the right thing. Britain faces many serious challenges to our national and economic security. There are difficult decisions to make, and they will show whether the Prime Minister is serious about governing. On defence, his own Chancellor said that 3% spending was needed to keep British troops safe; now, apparently, he does not believe that. On illegal migration, Labour scrapped the Rwanda scheme; now it appears to be considering a Rwanda-style scheme of its own. On prisons, the Prime Minister said that dangerous criminals could not be exempted from early release, and then he changed his mind. This country cannot afford a Government swerving all over the place. Labour has already tried government by U-turn, and it does not work. If he wants to be different from his predecessor, and wants to live up to the optimistic vision that he is painting, he is going to have to start taking this job seriously. That is not what we heard from the Prime Minister today, but that is what the Conservatives are offering.

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2. 1 Sep 2026·Parliament·Conservative·Mr Gagan Mohindra

   Face-to-Face Banking: Rural Areas

   In my constituency, 89% of my banks have closed in the last 10 years. Alongside that, this year, Barclays has said that it will withdraw its banking van, which has helped to contribute to the provision of face-to-face banking for my constituents. Does the hon. Lady share my frustration and agree that banks need to do better?

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3. 1 Sep 2026·Parliament·Conservative·Mr Andrew Snowden

   Ukraine

   We remain steadfast in our support for the Ukrainian people and in our determination that Putin must not prevail. Russia has responded to Britain’s decision to share Storm Shadow technology with Ukraine by threatening British factories with attacks from so-called unknown sources. Mr Speaker, you will know as well as I do the worry that this will cause for workers and residents in places such as Warton and Samlesbury in Lancashire, and across the country. With Putin continuing to reject meaningful steps towards peace, what formal representations has the Foreign Secretary made to Moscow in response, and what diplomatic action is he co-ordinating with our NATO allies to increase international pressure on Russia?

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4. 1 Sep 2026·Parliament·Conservative·Mr Andrew Snowden

   Strait of Hormuz

   The Iranian regime is deliberately weaponising the strait of Hormuz, using rockets, drones and sea mines to menace international shipping and to hold the global economy to ransom. Its aggression threatens British vessels, drives up fuel prices, and places our energy, aviation and food supply chains at direct risk. Following the latest American strikes and the Iranian retaliation, will the Minister set out what specific and concrete measures the Government are taking with our international partners to resolve this crisis, restore the safe and sustained passage of commercial shipping, and ensure that Tehran can no longer threaten Britain’s energy security with impunity?

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5. 1 Sep 2026·Parliament·Conservative·Matt Vickers

   Policing in Cleveland

   As a local Member, I pay tribute to PC Matthew Blades and PC Tom Clough, and to every police officer who has worked tirelessly throughout these horrific and tragic events. Our thoughts remain with their families and colleagues. Despite having the highest crime rate in the country, Cleveland received the lowest increase in funding, with our local Labour police and crime commissioner warning of a £2.4 million shortfall. I very much welcome the mutual aid and the funding that has been announced, but will the Home Secretary guarantee that the new funding formula will properly reflect the pressures of serious and organised crime faced by Cleveland, so that this funding does not prove to be merely a sticking plaster?

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6. 1 Sep 2026·Parliament·Conservative·Martin Vickers

   Direction of Government

   We in northern Lincolnshire look forward to the Prime Minister’s first visit in his new position. He will find that if he travels by train from Manchester there is an hourly service, but that if he travels from London there is no direct service. The Father of the House, my right hon. Friend the Member for Gainsborough (Sir Edward Leigh), and I have been campaigning for 15 years to restore the direct service. If the Prime Minister could give us an early win, it would be a victory for me in 15 years but he could deliver it in 15 weeks. Will he have a word with the Transport Secretary and ask her to have yet another look at providing this service, which I know will be supported by his Parliamentary Private Secretary—the hon. Member for Scunthorpe (Sir Nicholas Dakin)—sat behind him? [Laughter.]

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7. 1 Sep 2026·Parliament·Conservative·Martin Vickers

   Criminal Justice Reform

   The daughter of one of my constituents was the victim of a knife attack in her own home in 2014. Thankfully, the perpetrator was convicted. He is now charged with another offence—that of rape—and is appearing in court next month. One can imagine the concern of my constituent’s daughter when she received a letter from Victim Support to say that this individual was going to be released. I have written to the Lord Chancellor about the case. I appreciate that he might not have seen the letter, but could he give an assurance that he will look at the case and do all he can to ensure that this individual is not released?

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8. 1 Sep 2026·Parliament·Conservative·Mark Pritchard

   Direction of Government

   Can I say that I am flattered to be associated with the Prime Minister? It must be mistaken identity—I am not sure if he would be as flattered. I welcome him to the Dispatch Box and back to the House, and I welcome his commitment to Ukraine. I would like some clarity on the defence budget. It seems over the recess—of course, there has been no scrutiny of the Prime Minister and the Government over the recess—that there has been a talking up of the Government’s commitment to spending 3.5% of GDP on defence by 2035. There has not been as much talk about meeting the 3% target by 2030. Would the Prime Minister like to inform the House and the country, given that his Chancellor, in his previous role as Defence Secretary, said that this country should prepare to be on a war footing?

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9. 1 Sep 2026·Parliament·Conservative·Mark Garnier

   Face-to-Face Banking: Rural Areas

   Thank you for your leadership, Mr Wishart. I welcome the Minister back to her position as the Economic Secretary to the Treasury for the second time. It is a great pleasure to see her in her place. Much more importantly, I congratulate the hon. Member for South Devon (Caroline Voaden) on securing this important debate. The fact that 25 Back Benchers have contributed illustrates just how important the subject is to our constituents. The debate has also illustrated the fact that the nature of banking in the UK is evolving quite fast. According to data from Finder, just under 30% of adults used online or remote banking in 2006. In 2024, that figure had increased to 88%. It is simply the case that fewer people are using face-to-face banking services, but that does not mean we should get rid of branches altogether. As we have heard, many people still rely on them. We need to strike the right balance between allowing our banking system to evolve with changing consumer habits and protecting those who rely on traditional banking services, such as vulnerable people and local businesses. Before I go further, it is valuable to provide some context to this debate. According to Which?, 6,871 bank branches have closed since 2015, meaning that 69% of branches closed in that period. Which? also found that 56 of our constituencies, from Norwich North to Mid Bedfordshire, are now without a single bank branch, and that 101 constituencies have just one branch left. The South Devon constituency is part of that category, following the recent closure of the Lloyds Bank branch in Totnes. As the hon. Lady set out, the impact on all her constituents, but especially the vulnerable and older constituents she serves, is significant. In the increasingly digital world in which we live, it is easy to forget that many people struggle to use technology. The Government’s own statistics suggest that 1.3 million adults in the UK are deemed to be digitally excluded. Although that has decreased from 6.8 million in 2017, there are still a significant number of people who find the digital alternatives difficult to navigate.

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10. 1 Sep 2026·Parliament·Conservative·Mark Garnier

    Face-to-Face Banking: Rural Areas

    My right hon. Friend raises another big argument that we could have on the issue of rural broadband, but it is worth making the point regarding internet connectivity that I was just coming on to. I know this is as painful in other constituencies as it is in Wyre Forest. According to the financial lives 2024 survey, adults living in rural areas were, “disproportionately more likely to report having poor or no connectivity.” We must also remember that many of our local businesses rely on face-to-face banking services. According to the House of Commons Library, an average small business deposits cash twice a month, withdraws cash once a month and gets change for their cash registers once a month. It is worth bearing in mind that, typically, we have about 3,500 businesses per constituency, so an awful lot of people rely on these services. I remember the impact that was felt in 2015 when HSBC closed the last bank in Bewdley in my constituency; people were utterly dismayed. Happily, the post office stepped in and was able to help resolve the issues, but since then we have now discovered that that the post office is under threat. We are working on it, but it demonstrates the point that things are changing very quickly. There is also a more subtle outcome of a sharp reduction in bank branches: the relationship between a bank and the local economy is being dramatically reduced, which has implications for our wider economy. Local branch managers living in a community, providing banking services to local businesses and understanding local economic opportunities as well as pressures, are well placed to understand the commercial value of a loan application by a local business. That is important. An application for a business loan is usually something that business owners and managers want to get in place as fast as they can, but the reality is that applications for smaller business loans now take an average of nine months to be approved. That is not good for our local economies. Furthermore, banks need to lend money. That is the business they are in. Each loan creates a banking asset. Indeed, 95% of the money in circulation is the result of banks lending it into existence through fractional reserve banking. It is in the interest of both our banks and our economy that they lend, but if it takes too long, others will step in. That can be good, but it can be bad. Private debt is gaining traction alongside private equity. Meanwhile, unregulated loan notes have been central to some recent mis-selling issues at the smaller end of the market. That is not the fault of the banks, but the lack of local banking services opens doors to alternatives, not all of which are properly understood, risk-assessed and regulated. However, we must recognise that banks are businesses. I do not want to be an apologist for banks, but they do provide a very important service, which they have to do in a profitable way. They have to make commercial decisions, and they have to consider the footfall in their branches and the take-up of digital banking.

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11. 1 Sep 2026·Parliament·Conservative·Mark Garnier

    Face-to-Face Banking: Rural Areas

    As I say, I am not an apologist for banks, and I am keen to ensure that we get a balanced argument. The hon. Lady is absolutely right that that is an awful lot of money, but it all comes down to what should be the right and proportionate response. I do not disagree with her fundamental point, but the question is slightly more complicated. I will give the hon. Lady an example from my constituency. Not so long ago, I went into a branch of Santander. It was a Thursday, and I was banking a cheque. I was the fourth customer that the bank teller had seen that week. It was utterly dismal, and that was in the centre of Kidderminster. The branch was closed the following week. There are issues for banks—whether they should necessarily be opening branches that could get one or two customers coming in a week. There is a balance to be struck. If a branch is not viable, should the bank keep it open? We must look at the other opportunities. The last Conservative Government recognised that and were committed to retaining vital banking services. That is why we provided a system of free and convenient access to banks through the post office branch network, why we introduced protections for access to cash and why we enabled the development of banking hubs through the Financial Services and Markets Act 2023. I am glad that the Government have continued our positive trajectory, especially through their commitment to 350 new banking hubs by 2030, but I also welcome the independent access to banking services review chaired by Richard Lloyd. We are interested to see its outcomes and recommendations, but would be grateful if the Minister gave us a clue as to when it will report. Decisive Government action could ensure support for underserved communities in good time and mitigate the impact of bank branch closures. This and previous debates on this subject have shown just how much Members support bank branches, especially in rural areas. Members have emphasised how many of their constituents and local businesses still rely on those services, which is especially true in rural areas such as South Devon. It is vital that the Government step up to support communities who lack adequate banking services provision. The publication of the access to banking services review will help to identify the next steps, but many people will be frustrated that the Government are undertaking another review and not taking action. As the previous Prime Minister, the right hon. and learned Member for Holborn and St Pancras (Keir Starmer), said, people are “impatient for change”. When it comes to this issue, our constituents do not want to wait much longer.

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12. 1 Sep 2026·Parliament·Conservative·Mark Garnier

    UK Financial Services

    It is a pleasure to serve under your stewardship, Mr Twigg. I thank the hon. Member for Buckingham and Bletchley (Callum Anderson) for securing this debate. He speaks with great authority, and it is refreshing to hear a positive vision of the financial services sector, especially given his experience working for the London Stock Exchange Group. He raised a number of points, some of which I will deal with in my speech. The hon. Member raised some interesting points that are strongly related. The first was the lack of growth capital and the fact that we are not seeing a huge amount of money invested into the UK by UK pension funds. Companies looking for growth capital seem to go to places such as America, where they can do better. He also talked about the undervaluation of the UK stock market, which is part of that problem, as well as clean energy and the fantastic opportunity it provides for investment in long-term patient capital. It is interesting that, during the passage of the Pension Schemes Act, one complaint thrown up by a very large annuity asset manager was that it wanted to invest in the equity of wind farms, where there is a predictable income because of contracts for difference, but the Pensions Regulator would not allow it because it had to be invested in bonds, which have a more liquid market. Although the Conservatives completely support the Mansion House compact and the Mansion House accord, there is too much stuff getting in the way. We had a long debate on this during the passage of the Pension Schemes Bill, now an Act. We are trying to work with the Government on how not just to force more money into the UK equity market, but to clear away the clag that gets in the way of investments. That comes to the point about regulation and the regulatory environment. I will discuss more of the hon. Member’s points in the main thrust of my speech, but I wanted to get that point over early on. As we heard from my right hon. Friend the Member for Godalming and Ash (Sir Jeremy Hunt), the financial services sector matters hugely to the UK. It is often described as the engine room of our economy, for two good reasons. The first is that the banking sector provides the plumbing that moves finance around our economy, making sure that money, where it is accumulated through wealth, is distributed to people who need it. The second is our international position: the financial services sector generates 11% of national economic output and contributes £12 in every £100 of tax paid—it pays for a lot of the NHS. As we heard, the sector makes up more than 3% of all jobs in the UK, with 2.5 million people employed in it, and we have the most unicorns in Europe. The sector here is the second-largest asset sector globally, the third-largest insurance market globally and the fifth-largest domestic banking market globally. I could go on, but the point is that the UK is absolutely a world leader in financial services, and we need to continue to be that. It is vital that we get this right. It is worth comparing London to New York. New York is the biggest financial services centre in the world and London is the second biggest, but in New York, 80% of the turnover is driven by the domestic market of America, while just 20% is international; those numbers are reversed in the UK, where 80% of the activity is international. International competitiveness is four times as important for us as it is for those in America. The Conservative party recognises that, and that is why the Leader of the Opposition has promised to deliver a new economic revolution and to create conditions that will allow the financial services sector to innovate, take risks and be an economic powerhouse. Before discussing the future of UK financial services, we need to understand the past. The City of London has been innovating and leading the way for a few hundred years now. The Knights Templar issuing receipts to crusaders for their gold created the first ever bank notes. In the 17th century, Jonathan’s Coffee House—the hon. Member for Buckingham and Bletchley will be familiar with it—was the first to advertise share prices. From there the London stock exchange grew, setting the model for equity ownership the world over. Similarly, Lloyd’s Coffee House created the insurance market that we see today. By continually innovating, the UK led the way for centuries. It is vital that the UK continues that spirit of innovation to maintain its international lead. Although we have enjoyed much success over the years, a recent report by TheCityUK and PwC shows that over the past decade growth has stalled. Technologies such as artificial intelligence and distributed ledger technology are fundamentally rewiring financial market infrastructure, and it is vital that the UK keeps up with the pace of change. Financial services firms are ready to do that, but they need policy makers to create the right conditions and then get out of the way, allowing them to innovate and take advantage of that. That brings me to what we need to do to unlock the future of UK financial services. First, we need to look at regulation in the UK. Although it is important to recognise that the UK’s regulatory and legal frameworks make us an attractive destination—that is really important; our rule of law is vital to this—we believe that the UK has gone too far and that regulation has become too burdensome. Research from TheCityUK suggested that the cost of regulatory compliance across the financial services sector now exceeds £33.9 billion. That represents more than 13% of firms’ annual average operating cost. An interesting number was presented to the Treasury Committee by Nationwide Building Society, which estimated that, as a result of over-regulation by the regulators and over-compliance by their own internal compliance department, their lending book was £35 billion smaller than it would have been, had they been complying with the original rules and regulations. That is an awful lot of money taken out of the economy, getting stuck in one building society—admittedly the biggest one, but none the less, that is an important measure that we need to consider. This money could have been better spent across the whole of the wider sector, but more worryingly, it has affected our international reputation. The chief executive officer of Marsh McLennan said that it cost six times more to comply with regulation in the UK than in any other country it operates in. That does not foster an attractive business environment. Something needs to change. That is why the Conservatives recently announced three policies that would reduce the regulatory burden. First, we would remove the ringfencing on banks. Secondly, we would reduce bank capital requirements. Thirdly, we would replace the Financial Ombudsman Service with a financial adjudication service.

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13. 1 Sep 2026·Parliament·Conservative·Mark Garnier

    UK Financial Services

    Yes, I can, from having been on the Treasury Committee from 2010 to 2016, when we looked at creating the Financial Conduct Authority and the Prudential Regulatory Authority, and, more relevantly, on the parliamentary commission on banking standards. Our report recommended that we introduce the measures in the Davies review, which was bringing ringfencing in. The hon. Member may remember that, at the time, the Liikanen review in the European Union looked at ringfences. The subtle difference between our ringfencing and theirs is that it was described as caging the tigers in Europe and as putting a fence around the deer park in the UK. Our retail banks were ringfenced. The problem we have found is that it has become increasingly complex to operate the regime, and the Europeans did not bring it in; as a result the resolution regime on banks—the recent Bank Resolution (Recapitalisation) Act 2025 looked at this—actually means that we now have an awful lot of other stuff in place and do not necessarily need the ringfencing. The problem with ringfencing is that banks end up with a cliff edge, where their customers are traversing from the ringfenced bank to the commercial and investment banks, and it becomes very difficult. Only one bank has managed to satisfy itself that it is okay, and it has set that ringfence limit at £100 million worth of turnover; all other banks have been at the lower end, which is close to £5 million or £10 million in turnover. It is costing us more and becoming less internationally competitive to have a ringfencing regime that other countries did not adopt. When we adopted it we were the first mover, but we were not followed. International competitiveness is the key point, as well as the bank resolution. There are MRELs, bullion bonds and a lot of stuff out there that makes up for that, brought in since the financial crisis. It just looks like we have too much. I hope that answers the question from the hon. Member for Carshalton and Wallington (Bobby Dean). Analysis shows that the annual cost to the UK’s banking sector of ringfencing alone is £1.5 billion. At the same time, reports from industry are clear that ringfencing is duplicated and is not responsible for post-crisis improvements. In 2022, the independent review of ringfencing and proprietary trading said that “the reduction in the implicit government guarantee and progress in ending too-big-to-fail was not found to be attributable to ring-fencing.” We understand that the Government are looking at this, and at reforming the ringfencing regime through the Financial Services and Markets Bill. The Economic Secretary to the Treasury and I will be spending a lot of time in the coming months going through the minutiae of banks’ balance sheets—frankly, I find it fascinating; I hope she does too. However, like most of the Bill, while welcome, we feel that the Government are not fully utilising the opportunities that the Bill will provide, and that they could go much further. As I say, I will not delve into too much of the detail because we have a long time to go through all this, but I hope that the hon. Member for Buckingham and Bletchley will throw his weight behind the Financial Services and Markets Bill when it comes to the House of Commons. I have a second point on taxation. If we are to unlock the future of UK financial services, the other area we have to look at is the level of taxation. In a world where capital, talent and business activity are highly mobile, the UK needs to remain an attractive place to do business. That is especially important given the international nature of the UK’s markets. While our competitors such as the US have a high domestic focus, the UK is the exact opposite: the London Stock Exchange Group found that more than four fifths of the revenues of FTSE 100 constituents now stem from outside the UK. Despite that, data from across the industry shows that the UK is an outlier when it comes to the level of taxation on our financial services sector. Taking the banks as an example, data from UK Finance and PwC in 2025 suggests that the total tax rate on banks in London is 46.5%, which is significantly higher than in other financial centres such as Amsterdam, Frankfurt, Dublin and New York, as we have already heard. In fact, compared with the US, our banks are paying 60% higher tax than theirs are. Another example is the insurance sector. Data from the Association of British Insurers shows that their membership’s total tax contribution increased by 77% between 2014 and 2024. Analysis suggests that that has mainly been driven by increases in the insurance premium tax.

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14. 1 Sep 2026·Parliament·Conservative·Mark Garnier

    UK Financial Services

    I will draw my remarks to a close, Mr Twigg—I have been rambling on a bit. I thank the hon. Member for Buckingham and Bletchley again for his words. This has been a very intelligent and thoughtful debate. As I say, the most important point is that we have to be incredibly mindful of our international competitiveness, which is so vital for our country. It is so important that we get this right. If we fail, we may find our descendants sitting in this Chamber in 20 or 30 years’ time, wondering what on earth happened to the UK’s financial services sector. We must get it right.

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15. 1 Sep 2026·Parliament·Conservative·Lincoln Jopp

    Draft Energy Prices Act 2022 (Extension of Time Limit) (No. 2) Regulations 2026

    Has the Minister assessed how much the additional six-month extension will cost the Exchequer?

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16. 1 Sep 2026·Parliament·Conservative·Lincoln Jopp

    Direction of Government

    I wish you, Madam Deputy Speaker, many happy returns. I welcome the Prime Minister to his place, and I welcome his words. In an answer to someone else, he said that he will always demand the highest level of recognition for those who put themselves at risk to keep us safe. I am sure that after six weeks of being Prime Minister he includes in that our amazing armed forces, yet our Northern Ireland veterans face a never-ending process of prosecution, absent any new or compelling evidence. Does he think that our Northern Ireland veterans need more protection? If he does, what will he do about it?

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17. 1 Sep 2026·Parliament·Conservative·Lewis Cocking

    Direction of Government

    The Prime Minister has spent all summer trying to be all things to all people. My constituents in Broxbourne want the Government to cut wasteful spending, lower taxes and get a grip on our immigration system, which all require tough decisions to be made by the Prime Minister. Will the Prime Minister choose his left-wing Back Benchers or will he choose the British people?

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18. 1 Sep 2026·Parliament·Conservative·Kit Malthouse

    West Bank: Illegal Settlements

    Does the Secretary of State recognise that the situation that we find ourselves in, in the west bank and Palestine more widely, represents an almost complete failure of British foreign policy in this regard? As a British citizen, one of the most distressing aspects of this conflict, aside from the death, destruction and savagery, has been the sight of British Ministers being sent out to mouth platitudinous condemnations like goldfish, and promise action, only being dragged to take pathetic ineffectual steps by pressure from their own Back Benchers. My question is this: is anything going to change?

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19. 1 Sep 2026·Parliament·Conservative·John Cooper

    Direction of Government

    The Prime Minister’s warm words about rural and coastal communities will be seen, I am afraid, like the chocolate Freddo bar that he said he could not affect the price of: sweet, but ultimately insubstantial. Similarly, his triple-helix theory of growth is like the purple sweet in Quality Street: largely nuts. We need much more detail, Prime Minister. Rural communities are crying out for help. We need action. We cannot have the Stone Roses’ “Fool’s Gold”.

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20. 1 Sep 2026·Parliament·Conservative·Joe Robertson

    Direction of Government

    I am glad that the Prime Minister had a nice tour of the UK over the summer. Had he come to the Isle of Wight, he would have heard about our No. 1 cost of living issue, which is the price of travelling to and from the Isle of Wight. It is astronomical, and it is harming our tourism economy and restricting access to health and education. If he stands by his comments about people power and putting power back into communities, will he at least be open to creating regulatory powers so that we can control the prices levied by private equity companies, put passengers first, and ensure that the Isle of Wight is treated fairly, just like every other community in the UK?

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21. 1 Sep 2026·Parliament·Conservative·James Wild

    Ukraine

    The Government rightly champion long-term support for Ukraine and deterrence against Russian aggression, but that diplomatic approach has to be backed up by credible pledges on military capability. Will the Foreign Secretary confirm that this Government are committed to spending 3% of GDP on defence by 2030 —something the Chancellor said was essential to defend our country only a few weeks ago?

    Hansard source
22. 1 Sep 2026·Parliament·Conservative·James Wild

    Direction of Government

    At the weekend, the Prime Minister stepped in to ensure that his No. 10 North railway service continued, so in that spirit of problem solving, will he use his office to ensure that rapid action is taken to restore a reliable service from King’s Lynn to King’s Cross for my North West Norfolk constituents, who had 380 trains cancelled in July and 280 in August?

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23. 1 Sep 2026·Parliament·Conservative·James Wild

    Sovereign Grant

    The background to this motion dates from 1760, when the agreement was reached with George III to surrender the Crown Estate revenues to the taxpayer in return for Government support, but it was not until the Sovereign Grant Act 2011 that financial support was delivered through the sovereign grant. The purpose of the Act was to bring together a patchwork of funding streams and arrangements into a more transparent system with greater accountability to taxpayers. The motion that the Minister has moved proposes three important changes: it sets the baseline for the sovereign grant for next year, it updates the percentage and, finally, it creates a mechanism to allow the Treasury to set the grant in future years in certain circumstances, which includes potentially reducing the amount in the sovereign grant. Given that the grant funds the duties of the monarch and the royal household, we support this approach and the motion. It is worth reflecting that in an era when many institutions struggle to find public support and respect, the monarchy continues to play a unique role in our lives. Whether it is representing Britain overseas, supporting charitable organisations, strengthening diplomatic relationships or bringing communities together at moments of celebration or national reflection, the royal family performs an indispensable public service. We saw that in the response following the death of the late Queen and in the support that His Majesty the King has had as he has taken on the responsibilities of the Crown. I should note that His Majesty is a constituent when he is resident at Sandringham in my constituency—[Hon. Members: “He can’t vote!”] He cannot vote. Although Sandringham is a private residence, it hosts official events that are covered by the grant. The value of the royal family is not simply symbolic. Independent analysis has shown the substantial soft power and economic benefits flowing from the institution, whether it is trade, tourism, cultural influence or the prestige associated with royal warrants, which many firms in our constituencies are fortunate to benefit from. The grant enables those benefits to be realised. For this financial year, the sovereign grant stands at £137.9 million, with £97 million of that in core funding and £40 million as the final payment for the Buckingham Palace reservicing programme. When many construction projects—I could mention a number—seem to miss their budget and targets, it is right to acknowledge the National Audit Office’s finding that the 10-year programme has managed to remain in budget, despite challenges, by making trade-offs, actively managing risk and learning lessons. Despite the completion of the reservicing programme, without these proposed changes the funding would remain at the £137.9 million level in 2027, which clearly could not be justified. That is what lies behind the resetting of the baseline to £99.9 million, with the reference percentage raised to 20.5% for the period through to 2031-32. At first glance, that looks like a significant reduction from the current level, but it comes after the completion of the 10-year programme, and core funding has actually increased to £97.6 million this year, from around £52 million in 2024-25. According to the House of Commons Library, if it had simply increased with inflation from 2016, it would now be £59.4 million. We have to ask what lies behind that growth. The jump from £52 million to £72 million in 2025-26 was largely driven by property maintenance, higher payroll and other spending, alongside a top-up to the reserve sovereign grant after a period of largely flat grants. More than half the total grant was allocated to the preservation of the occupied royal houses, which must be right. The further rise to £97.6 million appears to mainly relate to royal travel, digital services, housekeeping and hospitality, although I would welcome the Minister shedding some more clarity on where the remaining costs come from. As we move forward, there is a considerable backlog of maintenance at the occupied royal palaces, a need to modernise ageing systems, to improve cyber security and to invest in more energy-efficient infrastructure. I am grateful to the royal household and the Keeper of the Privy Purse for the constructive conversations I have had with him on behalf of His Majesty’s Opposition regarding the settlement, which does two things: preserve the historic national buildings and run a modern, secure, fit-for-purpose operation. I have a few points that I would like the Minister to clarify. First, ahead of Second Reading, when we will be able to get far more into the detail than we can this evening, will he commit to writing to me with a breakdown of the planned expenditure behind the new £99.9 million figure? For example, why is payroll expected to rise by £7 million between 2026-27 and 2031-32? Core property maintenance rises by 25%. The case for addressing maintenance, particularly in stateroom areas, is clear. Is he confident that the broader programme reflects value for money? Can he confirm that any capital expenditure above £6 million, such as replacing the boilers at Windsor, would require Treasury approval of a business case? Encouragingly, income supplementing the grant is forecast to increase by a quarter over the period. How confident is the Minister in those projections? It is important that there is a focus on efficiency. What external benchmarking of the royal household cost base has there been? Which comparator organisations were used, and what specific efficiencies have resulted or are planned as a result? The reserve, as I have mentioned, fell with the impact of covid and now stands at £21 million. Is there a formal target reserve level that the household is managing toward for resilience purposes, distinct from the statutory 50% reduction trigger threshold? If so, over what timeframe is that expected to be reached? The motion provides for the reference percentage used to calculate the grant rising from 12% to 20.5%, as the Government have set out. That is described as being calibrated to the household’s expected costs for that five-year period. What specific cost forecast underpins that rate? Has it been independently tested or benchmarked, or is it effectively set simply by reference to the household’s own submitted budget? For those who may be concerned that this settlement is too generous, the reality is that there will be a real-terms reduction as the grant remains flat in cash terms over the period. One of the significant parts of this motion, which we will scrutinise carefully in the legislation, is a mechanism to allow the sovereign grant to decrease when circumstances warrant it. This reforms a long-standing feature of the existing system, the “golden ratchet” provision in section 6 of the 2011 Act, under which funding cannot decrease in cash terms. The Government’s briefing note on the King’s Speech tells us that the proposed change means that “the Grant can be reduced from one year to the next, preventing inappropriately high funding”. Of course it is important for all taxpayer funding to represent value for money, but can the Minister elaborate on the rationale for that, given that the settlement is expected to be flat cash over the period? In what circumstances would a reduction be considered appropriate, and what role would Parliament have in scrutinising any such decision? We support the motion and the resetting of the sovereign grant following the completion of the Buckingham Palace works. It is important that we establish a sustainable funding framework for the years ahead. However, there are important questions that I have raised about the increases in the last year ahead of the setting of this new baseline, and in what circumstances the Government may look to reduce the funding. Those questions are asked in the spirit of supporting both the institution of the monarchy and the principle of responsible stewardship of public money.

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24. 1 Sep 2026·Parliament·Conservative·Greg Smith

    Direction of Government

    Given that Chequers is in my constituency, may I welcome the so-called king of the north to his new Buckinghamshire residence? Next time he is at Chequers, before he heads off to enjoy the wonderful pubs in Wendover, as I know he has, could I persuade him to take a drive to the Buckinghamshire villages on the Oxfordshire border—villages like Ludgershall, Marsh Gibbon, Oakley, Long Crendon, Boarstall and Brill—and see for himself just how inappropriate it is to put an asylum centre just over that border at MOD Bicester? He can then make an intervention with the Home Secretary to ensure that a more suitable site is found for such a centre. While he is talking to the Home Secretary, could he ask her to respond to my letter containing a series of very detailed questions about this site that my constituents have been asking, which I sent to her over six weeks ago?

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25. 1 Sep 2026·Parliament·Conservative·Greg Smith

    Sudden Cardiac Death: Young People

    I have initiated this Adjournment debate on behalf of my late constituent and his family. It concerns a tragic case that raises serious questions about emergency response, clinical training, information sharing, and whether the systems meant to save young lives are fit for purpose. On 31 January 2024, Adam Ankers, aged just 17, collapsed while playing football for the Wycombe Wanderers Foundation’s under-19 development team. He was a much-loved son, brother, friend and team-mate. He dreamed of a career in professional football, and on the captain’s armband that he was wearing that day he had written the words “strength, inspiration, leader, desire.” Despite the presence of first-aid-trained coaches, despite a defibrillator being brought straight to the pitch, and despite multiple calls to 999, no one recognised that Adam was in sudden cardiac arrest. No cardiopulmonary resuscitation was started. The coroner found that Adam’s brain had been was starved of oxygen for about eight minutes because no one had attempted CPR, and heard evidence that for every minute without CPR, the chances of survival decrease by 10%. South Central Ambulance Service’s serious incident review reached the same conclusion independently, acknowledging an eight-minute period in which CPR should have started and did not. The ambulance arrived within 11 minutes of the first 999 call, at 2.31 pm, but by then the critical window in which to act, having been led by telephone, had already been missed.

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26. 1 Sep 2026·Parliament·Conservative·Greg Smith

    Sudden Cardiac Death: Young People

    I do agree with the hon. Gentleman, and I will explore many of those issues later in my speech. When paramedics arrived, they found Adam cold, blue, not breathing, and without a pulse. They immediately started CPR, and took him to Harefield hospital, with the support of Thames Valley Air Ambulance. Despite the best efforts of clinicians, Adam was declared brain-stem dead on 4 February—in law, that was the moment of his death—and his heart stopped for the final time on 5 February, when life support was withdrawn. His parents, Alastair Ankers and Naomi Wakefield, both work in healthcare. Through devastating experience, they came to the conclusion that Adam’s death could have been prevented. Adam’s parents fought for more than two years for a proper, in-depth inquest, rather than the four-hour online hearing first offered. They were represented by a single barrister, paid for by remortgaging their house, against an array of solicitors and counsel for the NHS bodies and the Football Association. That is not a fair fight. The underlying condition was arrhythmogenic right ventricular cardiomyopathy—ARVC, a genetic heart disease, the first sign of which can be sudden cardiac arrest. This was a failure to identify a life-threatening emergency in real time, and it is why recognition, escalation and response matter so much. The inquest raised serious concerns about the handling of 999 calls and the ability of call handlers to recognise abnormal breathing and cardiac arrest. Ambulance services in England use one of two systems: MPDS—the medical priority dispatch system—and NHS Pathways. NHS Pathways is used by just over half of 999 services and by all 111 services in England, and it was the system used on the call that day. The inquest heard expert evidence from paramedic David Davis—not the one of this parish—who told the court, “I am unable to say that NHS Pathways as is currently configured can always properly support members of the public to identify agonal or ineffective breathing. I am also uncertain as to whether NHS Pathways can adequately identify potential out-of-hospital cardiac arrest where there is seizure-like activity at the outset.” That is about as serious a warning as an expert witness can give. If the system cannot reliably recognise the signs of cardiac arrest, people are being put in danger, and if the public are left uncertain about whether to follow the advice they are given or to act on instinct, that is a public safety problem. The coroner issued a five-point prevention of future deaths report on 16 April this year. It was addressed to 13 bodies, including NHS England, the Department of Health and Social Care, the Football Association, South Central Ambulance Service, the UK National Screening Committee and Cardiac Risk in the Young. Responses were due by 11 June. There is a pattern in those responses: every organisation expressed sympathy and described some work under way, but almost none attached a date to anything. NHS England says that a genetic service specification is “currently being revised”, but with no timetable. Staff at Resuscitation Council UK say that responsibility sits with NHS England and the Department of Health and Social Care, not them. The Association of Ambulance Chief Executives says that it is “not constituted to mandate or instruct ambulance services”. Everybody has pointed to somebody else, and there have been warnings for years about call handlers and cardiac arrest, sepsis and other conditions, with no clear public evidence of improvement. Why? I therefore ask the Minister to instruct the Care Quality Commission to urgently and regularly assess ambulance services on call-handler skill in detecting and managing abnormal breathing and suspected cardiac arrest. A CQC inspection of South Central Ambulance Service before Adam’s death had already found call handlers struggling to recognise abnormal breathing, with serious incidents leading to patient harm as a result—this is not new information to the trust. South Central Ambulance Service’s own response to the coroner’s report suggests that the public should understand that call handlers follow a fixed script, and that callers may need to act independently of the advice given. If it is genuinely the Government’s position that people in the worst moment of their life should second-guess the emergency services, the public deserve to hear that plainly, not discover it buried in a filing after a child has died. Training alone will not be enough. NHS Pathways plays a central role in how millions of emergency and urgent care calls are handled every year, yet there is strikingly little publicly available data on its safety and effectiveness. That is not good enough. Will the Minister commit to a fully independent review of the effectiveness and the culture of NHS Pathways—not simply a restatement that the National Clinical Assurance Group already provides oversight? That body assures the clinical safety of dispositions; it does not examine culture. Its terms of reference are set by NHS England and it reports to NHS England, which is the body that runs NHS Pathways. I want to press further on one other point, because it speaks to whether the Government can even get the basic facts right in responding to a dead child’s inquest. NHS England’s own prevention of future death response states that Adam was triaged through “Protocol 12, Convulsions/Fitting”—an MPDS reference. However, the coroner’s findings state that NHS Pathways, a different system owned and run by NHS England itself, was used as the script for that call. Why did NHS England’s response point to the wrong system entirely, rather than confront the failings of the system it actually runs? Did national leadership check its own response against the coroner’s findings before sending it? Will it now formally correct the record and explain how that error ever happened? Moving on, there is the question of how genetic risk is communicated within families. Distant relatives in Scotland had known since 2018 that a genetic variant, PKP2, which is associated with ARVC, ran in the family, but that was not passed to Adam’s immediate family in full until after his death, and only then because Adam’s parents themselves had to go back to that distant relative and ask directly whether there was a letter he had not shared. There was. Once the risk was confirmed, the genetic service’s answer for cascading that information further to the wider family was a brown paper envelope containing 10 photocopied letters, which the family were left to hand round themselves—a grieving family doing the NHS’s job of tracing and warning their own relatives, with no support offered. Adam’s grandmother had, in fact, raised the family history with her cardiologist at Papworth hospital, who accepted that it was recorded in three places in her notes but said he had not seen it. A 2022 referral from the GP was read by this doctor but never followed up due to an administrative error. Separately, NHS Greater Glasgow and Clyde, which held the original genetic records, refused to disclose them to the English coroner’s inquest as it fell outside its jurisdiction. The coroner considered applying to the Scottish High Court to compel co-operation, but decided against as it was not a proportionate use of public funds. No family should be told that it is not proportionate to pursue the truth about their son’s death across a devolved border. I ask the Minister to raise this issue with counterparts in the devolved health systems, so that no hospital anywhere in this United Kingdom refuses to co-operate with an inquest into a child’s death ever again.

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27. 1 Sep 2026·Parliament·Conservative·Greg Smith

    Sudden Cardiac Death: Young People

    I am grateful to the hon. Gentleman. I agree with him on that point and I will come on to screening in one or two moments. Families should not be left to act as their own caseworkers in the aftermath of grief. We need to review how genetic findings are communicated to all relatives, and how families can be properly supported in doing that work; we should not simply be told, as NHS England and the British Society for Genetic Medicine have both said so far, that a service specification is under review with no date attached. The coroner also asked whether there is adequate sudden cardiac arrest training for coaches and referees at organised football matches. If young people are taking part in organised sport, those supervising them must know how to respond when something goes wrong. I welcome the fact that the Football Association is exploring improvements and that Adam’s parents have engaged constructively with that work, but this should not depend on a grieving family campaigning after a tragedy. It should be standard for every club, not just the accredited ones. I am also concerned that the English Institute of Sport, Sport England and the Faculty of Sport and Exercise Medicine UK—all recipients of this prevention of future deaths report, and all in receipt of public or national lottery funding—did not respond to it at all. Public funding should carry a basic obligation to engage when a coroner writes to them about a child’s death. Finally, I come on to the point made by the hon. Member for Bracknell (Peter Swallow) about screening, and here there is a specific, checkable gap. Cardiac Risk in the Young estimates that 12 apparently fit and healthy young people die of undiagnosed cardiac conditions every week in this country, with no prior symptoms in about 80% of cases. These are not abstract numbers; they are lost sons and daughters. The UK National Screening Committee is currently consulting on the evidence, and the Government should be guided by that work. However, I have checked directly what that evidence map actually contains, and I want the House to hear this clearly. Its literature searches were conducted on 10 April 2025. On 24 February 2026, the Journal of the American College of Cardiology published the largest and most relevant UK study ever conducted on this exact question. With outcomes from over 104,000 young people screened by Cardiac Risk in the Young over a 10-year period, led by City St George’s, University of London, it had real-world data on what actually happened to people after a positive result, which is precisely the evidence the 2019 review said was missing. That study did not exist when the map’s searches were run, and I have confirmed directly against the published document that it is not in it. If anyone reaches tonight for the map’s citation of an unrelated 2022 cricket screening paper by a different MacLachlan study, I want it on the record now that that is not the same study. So my question is direct: will the Government confirm that the evidence map has not considered the February 2026 JACC study, and commit tonight to its being formally included in the deliberations of the committee when it meets in November, rather than filed away for a further three-year wait, as the map’s own conclusion currently recommends? If the committee does not recommend population-wide screening, will the Minister commit to implementing the FIFA 2025 consensus statement, which recommends screening young footballers aged 12 to 18 as best practice? This is football’s home country and football is our national sport. We should be asking whether we do enough to protect the young people who play it.

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28. 1 Sep 2026·Parliament·Conservative·Greg Smith

    Sudden Cardiac Death: Young People

    I entirely agree with my right hon. Friend and commend his constituents’ wonderful fundraising, but his master point that it should not be left to individuals to have to fundraise for that is absolutely correct and well made. To conclude, I have seven requests: first, that the CQC regularly assesses call handlers’ skill in recognising cardiac arrest and abnormal breathing; secondly, a fully independent review of NHS Pathways’ effectiveness and culture; thirdly, a correction to the record on which triage system was used, and how that error occurred in Adam’s case; fourthly, a dated review of how genetic findings are communicated to relatives, including funding—currently dependent on British Heart Foundation charity money—to embed genetic testing into coronial pathways; fifthly, proper consideration of the FIFA 2025 statement and the JACC study by the National Screening Committee before it reaches its conclusion in November; sixthly, a statutory duty requiring NHS hospitals in one devolved UK nation to co-operate with coronial inquests in another, so that no hospital anywhere in this United Kingdom can again refuse to disclose records relevant to a child’s death; and seventhly and simplest, a meeting between a Minister and Adam’s parents. The Football Association has already met this family, and I struggle to see why the Government cannot manage to do the same. Adam’s family deserve answers, and they deserve action. Every organisation that responded to the coroner has been sympathetic, and I believe that sympathy is sincere, but sympathy did not bring Adam home and it will not stop the next 17-year-old collapsing on the next pitch this winter. What will stop it is somebody in Government saying, “This is mine to fix and here is the date.” Adam’s family have shown extraordinary patience throughout an inquest, a prevention of future deaths process, and now this debate. What they are asking for is not extraordinary: that the Government read the evidence, tell the truth about what their own agencies have and have not done, and commit—with dates—to ensuring that no other family buries a child because a system could not tell the difference between a boy fighting for breath and a boy breathing normally. I look forward to the Minister’s response.

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29. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Face-to-Face Banking: Rural Areas

    It is a pleasure to serve under your chairmanship, Mr Wishart. I congratulate the hon. Member for South Devon (Caroline Voaden) on securing this debate. The timing is fantastic: we have a dynamic Minister at the Dispatch Box, we have an imminent Government review from Richard Lloyd in response to this and we have the opportunity to listen to this cross-party call for change. After a review, the Conservative Government recognised the need for cash and legislated for it; the introduction of banking hubs, and eventually cash hubs, was all part of that. I am very proud of what the Conservative Government did there, but, as the hon. Member for South Devon set out and other Members have supported, face-to-face banking is an important part too. I hope and expect that we can move forward in the right way and get the balance right between being overly prescriptive to the banking industry and setting a clear sense of direction to make sure that no one is left behind, as so many Members have set out. It is a happy coincidence that we are having this debate today, because it is the day that Lloyds customers can once again deposit a cheque at a post office or banking hub. Mr and Mrs Proctor came to see me in Withernsea with a simple problem: they could not pay a cheque into their Lloyds account at their local banking hub, which surprised me. I wrote to Lloyds about it, but nothing came about. I then raised it with the Chancellor, and colleagues from right across the House signed a joint letter to the chief executive of Lloyds Bank. I am pleased to say that Lloyds listened and, as of this morning, people can deposit cheques at those places. These issues being raised by Members across the House today are important. I trust that given the timing of the Richard Lloyd report, the Minister in her seat will make sure that they are be resolved to everyone’s satisfaction.

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30. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Face-to-Face Banking: Rural Areas

    Banking hubs themselves came out of an industry response from the NatWest executive. Does the Minister agree that we must present the information from the Lloyd review to the banking groups, be clear about what we want, and give them the opportunity to respond and provide a solution, as they did with banking hubs, so that we can perhaps avoid a more heavy-handed governmental approach?

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31. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Draft Energy Prices Act 2022 (Extension of Time Limit) (No. 2) Regulations 2026

    Can the Minister confirm whether the Government’s intent is to maintain this—albeit on a six-month rolling basis—for the entirety of this Parliament?

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32. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Draft Energy Prices Act 2022 (Extension of Time Limit) (No. 2) Regulations 2026

    Is my hon. Friend as astonished as I am that the Minister—I know she is new to her post—has come here to propose a six-month extension of the movement of costs from bills to the Exchequer and cannot tell the Committee how much money that will cost? That is the most basic question a Minister would ask when drafting the instrument—hopefully refreshment has arrived for her and she will be able to tell us in due course. She cannot turn up to this House with a proposal like this and not know the basic money she is adding to the national debt. As I read this morning, which my hon. Friend may have seen, this comes at a time when we have record levels of costs on gilts—5.88%.

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33. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Draft Energy Prices Act 2022 (Extension of Time Limit) (No. 2) Regulations 2026

    The Minister is being most generous in giving way. There was a clear manifesto promise to reduce energy bills by £300. Is that manifesto promise still extant? Is she intent on delivering it, and if so, how and when?

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34. 1 Sep 2026·Parliament·Conservative·Graham Stuart

    Draft Energy Prices Act 2022 (Extension of Time Limit) (No. 2) Regulations 2026

    The Minister is being most generous again. I did not ask her about protecting consumers from energy price shocks; I asked about a clear, unequivocal manifesto pledge to reduce household energy bills by £300. She, like her predecessors, refuses to address it directly. It was a clear promise. She and her colleagues were elected on the basis of delivering that, and this Government are not delivering it. They are delivering higher bills at a time when people are struggling with household finances. Those people demand and expect that Ministers in the Government account for that promise and tell us whether it will be delivered, and if so, how.

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35. 1 Sep 2026·Parliament·Conservative·Esther McVey

    Direction of Government

    Could the Prime Minister explain what was so particularly deserving about the Avanti train drivers that they warranted such a pay increase, or was it done just to avoid the embarrassment of the Cabinet not being able to get back and forth to his “No. 10 of the North” vanity project? Or do we take it that this Prime Minister will cave in to every trade union demand that comes across his desk?

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36. 1 Sep 2026·Parliament·Conservative·Esther McVey

    Criminal Justice Reform

    Cheshire police estimates that the additional cost to man-mark criminals who are back on the streets due to Labour’s early release scheme will be £1.4 million a year. Can the Minister reassure police forces up and down the country that those extra resources will be handed to them?

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37. 1 Sep 2026·Parliament·Conservative·Edward Argar

    Draft Armed Forces (Service Complaints Miscellaneous Provisions) (Amendment) Regulations 2026

    I will not keep the Committee long. I am very pleased to see the hon. and gallant Gentleman, the Minister, still in post, as this is a policy area that he has cared deeply about throughout his life. I share the broad support for the instrument expressed by the shadow Minister, my hon. and gallant Friend the Member for Exmouth and Exeter East. I have only two questions, and I appreciate that the Minister may want to write to me afterwards for clarification; I am perfectly content for him to do so. On paragraph 5.3 of the explanatory memorandum, I would be grateful if he could set out to the Committee, now or subsequently, what the definition of “competent person” is and what that constitutes. I appreciate it may be set out in the 2006 or 2025 primary parent legislation to these draft regulations, but if he can, I would be grateful for a little clarification. Finally, paragraph 10.1 of the explanatory memorandum refers to the legislation being continuously monitored. If the Minister can offer a little more flesh on the bones as to how that monitoring takes place—whether it is by serving officers, his Department or Ministers—I would be grateful. Like my hon. and gallant Friend, I support what the Minister seeks to do with this statutory instrument.

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38. 1 Sep 2026·Parliament·Conservative·Dr Neil Shastri-Hurst

    Ukraine

    We know that the Kremlin uses disinformation and misinformation to thwart Ukraine’s effort and that of its allies in the fight against Russian aggression. In recent weeks, there has been evidence that Meta has permitted Russian state propaganda, including threats that Britain should be punished for its assistance to Ukraine, to be targeted at individuals. What steps are the Foreign Office and the Government more widely taking to hold Meta to account?

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39. 1 Sep 2026·Parliament·Conservative·Dr Neil Shastri-Hurst

    Criminal Justice Reform

    There is no dispute that the IPP topic is a difficult challenge. There is also no dispute that many of those IPP prisoners have been deemed a high risk to society by the Parole Board. Is it the Government’s position that the Parole Board is incorrect, or are the Government willing to lower the threshold of risk?

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40. 1 Sep 2026·Parliament·Conservative·Dr Luke Evans

    UK-Mauritius Chagos Treaty: Future Spending

    2. Whether his Department has budgeted for future spending on the UK-Mauritius Treaty on the Chagos archipelago.

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