5,779 spoken contributions under 12 words (interjections such as “Will the hon. Member give way?”) are hidden. Show them

1. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   That may well be true, but that is a different question. There is a question about financial education and the ability of large numbers of our fellow citizens to understand these financial complexities. We have a large and professional independent financial adviser community, and all pension funds are required to have pension advisers who can speak to members, tell them what is going on and explain the decisions before them. I do think that over the years, such steps have disenfranchised the British people from their financial decisions, yet we hold them responsible for their debts, their mortgages and their future. There is a larger question for us in this House about how much we have subtracted from the autonomy of the British people, and therefore how much blame attaches to us as politicians when their financial circumstances are not what they expect.

   Hansard source
2. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   Yes, I have. I paid contributions through my employment at City Hall, as did my employer. Admittedly, it was a scheme based on a defined benefit, rather than a defined contribution, but that was the deal done with me on a settled contract, saying that this was what I would be provided for from my contribution. Every year, I review my pension benefit forecast. I am consulted by the fund about how it should conduct its affairs. I am asked to turn up to my pensioners’ conference to discuss with trustees how they are looking after my future. The point is that the Government are steaming in with absolutely no consultation with me as a pensioner and I have no right to be represented, although I am uniquely affected, beyond other pension schemes. I consider that to be high-handed and, as the hon. Member for Oldham East and Saddleworth said, to be solving a problem that does not exist. My third point was also raised by my hon. Friend the Member for Wyre Forest (Mark Garnier): who carries the can? What happens when the Minister tells my private pension scheme or the parliamentary pension scheme that it must invest in, for instance, HS2 and it turns out to be a disaster? What happens when whichever ministerial pet project rises to the top of the priority list for pension allocation—what rough beast, its hour come round at last, slouches towards Whitehall to get its finance—and it all goes horribly wrong? I am sorry to quote Yeats to the Minister, but who will pay when that happens? When there is a deficit in defined-contribution pension funds that have been so directed by the Minister, who will pay for that deficit?

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3. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   I have already given way to the Minister. He said that the Bill contained an opt-out for pension funds, but that is not strictly accurate. It does not create an opt-out for trustees; it creates an opportunity for them to request the ability to opt out from the regulator, with whom the discretion to opt out lies. It also reverses the burden of proof. Even if it is on their own judgment, the trustees must prove, empirically, that investing as the Minister so directs will be to the detriment of their fund. That is not a true opt-out. It is not at the discretion of the trustees. All they can do is request, and all they can do is try to offer whatever evidence they may have. We must reflect on the fact that an awful lot of investment decisions are made by trustees on their judgment—yes, on advice, but on their judgment—and that is a very hard thing to disprove. I am afraid I feel that the Bill is bulldozing into an area of highly sensitive financial structure, and is not taking care of the interests of those whom it purports to protect. It is reclassifying risk, it is recentralising power, and it is rewriting contracts that have hitherto been extant for many years. It is too important to my future, and the future of millions of pensioners, for us to rush into this consensus-driven Bill without proper examination in Committee, with pensioners and pension funds themselves able to petition, as they should be, under a hybrid Bill structure.

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4. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   I do not dispute the fact that there are too many small funds that are suboptimal; my question is whether it should be the Government who correct that. If, for example, I am a member of a small suboptimal pension fund and the Government, through the Bill, consolidate it with another pension fund, and it turns out that this reduces my return, who carries the can?

   Hansard source
5. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   I understand where the hon. Lady is coming from. She is keen on Government intervention in our pensions, but does she recognise that that represents a fairly significant transfer of investment risk, and that the Government should underwrite that risk in all fairness to pensioners, who may lose money as a result?

   Hansard source
6. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   The hon. Gentleman is making a good point, but does he accept that illiquid investments, by their very nature, tend to be more volatile, and that from a risk-adjusted point of view they therefore represent much higher risk for investors? He mentioned investment in life sciences companies; he will be aware of the collapse a couple of years ago of the fund led by Neil Woodford, which was a significant investor in illiquid private sector life sciences companies and, because of that illiquidity, collapsed. The point is that if we are mandated to do that stuff—I ask the same question as I asked the Minister—who will pay? Who carries the can?

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7. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   My hon. Friend is making a strong speech and some strong points. Does he agree that the alarm bells he is ringing about financial education, the under-provision of pensions and longevity are even more stark and alarming next to the demographic change that means that over the next 30 years, we will see the number of workers per pensioner plummet? We will go from about 3.6 workers per pensioner at the moment to well under three by 2070, which means that even if pensions are not enough, the country will not be able to afford to plug the gap as it does at the moment?

   Hansard source
8. 7 Jul 2025·Parliament·Kit Malthouse

   Pension Schemes Bill

   I want to be clear—so that the House is clear—about the opt-out to which both Ministers have referred. Is it a correct interpretation to say that it is not an opt-out at the discretion of the trustees of the fund, and that the Bill requires them to apply to the regulator with evidence for the regulator to make a decision to grant them the ability to opt out? The idea that trustees are somehow free to make a decision in the interests of the fund is not actually correct, is it?

   Hansard source
9. 7 Jul 2025·Parliament·Katie Lam

   National Inquiry: Grooming Gangs

   The comments from my hon. Friend the Member for Berwickshire, Roxburgh and Selkirk (John Lamont) relate to the question of whether it will be a national inquiry, rather than a co-ordination of a few local inquiries. All the victims and survivors deserve justice, so can the Minister please confirm for us today that every town and city with a grooming and rape gang will be part of the inquiry, including and especially where local authorities may not wish to be part of it?

   Hansard source
10. 7 Jul 2025·Parliament·Julia Lopez

    Government Performance against Fiscal Rules

    The Chief Secretary to the Treasury seems to have only one line to survive this urgent question on behalf of the Chancellor, and that is to make reference to the former Prime Minister. Can he answer a simple question, to which we have already heard the answer today? Are Government borrowing costs higher now under him, or under the former Prime Minister in September 2022?

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11. 7 Jul 2025·Parliament·John Lamont

    National Inquiry: Grooming Gangs

    14. Whether she has had discussions with the Scottish Government on the national inquiry into grooming gangs.

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12. 7 Jul 2025·Parliament·John Lamont

    National Inquiry: Grooming Gangs

    Senior Scottish advocate Sandra Brown has said that grooming gangs could be operating in every town and city in Scotland. This scandal affects the whole of the United Kingdom, so when will the Government extend the grooming gangs inquiry to Scotland? Surely all victims across all parts of the United Kingdom deserve justice.

    Hansard source
13. 7 Jul 2025·Parliament·John Glen

    Government Performance against Fiscal Rules

    The Chief Secretary will be aware from his previous role as Chair of the Business and Trade Committee that one of the things that those who create wealth and invest in our economy need is certainty. Before the next Budget, will he ensure that he consults with business leaders and that a proper impact assessment of whichever taxes he will increase is done so we can minimise the damage being done to the productive capacity of the UK economy?

    Hansard source
14. 7 Jul 2025·Parliament·John Glen

    Pension Schemes Bill

    I agree with a lot of what the Minister is saying. Given what was said last week by the Financial Conduct Authority on targeted support, would he look again at what is being resisted by the Money and Pensions Service? It is not prepared to work with the pension schemes to allow automatic appointments so that pension savers can be guided to better outcomes. I realise that MaPS will say that it is too busy, but this is a key moment. If we could get people to engage at age 50, say, we would see vastly different outcomes for them if they invested properly, and in better ways, with their pensions.

    Hansard source
15. 7 Jul 2025·Parliament·John Glen

    Pension Schemes Bill

    Further to the point made by the hon. Member for Hackney South and Shoreditch (Dame Meg Hillier), in every election we all say that we cherish the triple lock, and we seek to gain electoral advantage from it, but do we not need to come to a settled collective view in society about the combination of the triple lock and the inadequacy of auto-enrolment? The 8% contribution is not enough, as the hon. Gentleman said; we need to get to Australian levels. One speaks to the other. Unless we can take a holistic view of those two elements and the third pillar, we are not being truly honest about some of the trade-offs, given that we are dealing with £70 billion of tax relief at the moment.

    Hansard source
16. 7 Jul 2025·Parliament·Joe Robertson

    Asylum Accommodation

    15. What steps her Department is taking to reduce the use of asylum accommodation.

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17. 7 Jul 2025·Parliament·Joe Robertson

    Asylum Accommodation

    The Government may not be buying hotels, but it is filling them up with asylum seekers. The number has gone up in the past year, not down, yet the Government say that they will reduce them to zero by the end of this Parliament. Will the Minister confirm whether the commitment to end the use of asylum hotels by the end of this Parliament is a guaranteed pledge on which we can judge their success or failure—yes or no?

    Hansard source
18. 7 Jul 2025·Parliament·Esther McVey

    Government Performance against Fiscal Rules

    In November last year the Chancellor told the CBI conference that she was “not coming back with more borrowing or more taxes.” Will the Minister, as the Chancellor is not in the Chamber, reiterate that promise today, or has the Chancellor mishandled the economy so badly that she is now going to have to add this to the Government’s growing list of U-turns?

    Hansard source
19. 7 Jul 2025·Parliament·Dr Neil Shastri-Hurst

    Actions of Iranian Regime: UK Response

    The Minister has set out a desire to get Iran back to the negotiating table. Can he say what steps he and his colleagues at the Foreign Office are taking to ensure that they get that outcome?

    Hansard source
20. 7 Jul 2025·Parliament·Dr Neil Shastri-Hurst

    Giving Every Child the Best Start in Life

    In her statement, the Secretary of State said that every child deserves a great education, including children with SEND. I do not think anybody could disagree with that, but for parents and pupils in my constituency, and up and down the country, warm words are one thing but concrete outcomes are another. Can the Secretary of State guarantee that not a single child who is currently in receipt of special needs support will lose it under the Government’s policies?

    Hansard source
21. 7 Jul 2025·Parliament·Dr Caroline Johnson

    Government Performance against Fiscal Rules

    We all know that taxes are coming; we just do not know on whom they are going to fall hardest. The country is nervous, with every family and every business wondering how much those taxes are going to cost them. Does the Chief Secretary regret the fact that that is leading to reduced domestic spending and reduced business investment, and is dragging the economy down overall?

    Hansard source
22. 7 Jul 2025·Parliament·Dr Andrew Murrison

    Actions of Iranian Regime: UK Response

    The Defence Secretary has said, correctly, that Operation Midnight Hammer has alleviated a grave threat, but the Attorney General appears to be less clear and wonders if it was illegal, while the Prime Minister and the Foreign Secretary appear to sit on the fence. I am sorry to put the Minister on the spot, but does he agree with the Attorney General or the Defence Secretary?

    Hansard source
23. 7 Jul 2025·Parliament·Dr Andrew Murrison

    Giving Every Child the Best Start in Life

    Wiltshire is part of the f40 group, which means that we get less money than practically anywhere else, despite the extra cost imposed by rurality. We were delighted last April when it was announced that, as part of the safety valve programme, we would get a new SEND school at Bitham Park in Westbury for 130 children, reducing the number of out-of-county placements that we have every year. Will the Minister say whether that programme will continue under her plans, and will she guarantee that we can still look forward to that new school opening next year?

    Hansard source
24. 7 Jul 2025·Parliament·David Davis

    Topical Questions

    I associate myself with the Home Secretary’s comments about 7/7. I remember that day too well, and we supported the Government then, too. In more recent times, there have been a number of major cyber-attacks, ransomware attacks and associated blackmail of major companies. It has come to my attention that one such company paid a very large sum to its blackmailer recently. I will share the name with the Home Secretary afterwards; it would not be appropriate to share it in the Chamber. Will she update the House on the progress of the Government’s actions to ensure that blackmailers of this sort do not succeed in future?

    Hansard source
25. 7 Jul 2025·Parliament·David Davis

    Actions of Iranian Regime: UK Response

    Omid Khalili, a British citizen and renowned Iranian broadcaster, hosts a phone-in reaching over 30 million Iranians. He has been targeted by the Iranian regime. The detail has been laid out in UnHerd by the journalist David Rose, but in summary his wife, parents and sister have been detained in Iran, interrogated, threatened and their passports have been confiscated. The aim of that is to blackmail Mr Khalili into coming back to Iran, where he will certainly be arrested and very probably executed. Those acts of intimidation are carried out by the Iranian secret police and the IRGC, and facilitated by so-called diplomats in the Iranian embassy here. We cannot ignore this state-sponsored blackmail, so what the Government ought to do is expel Iranian officials complicit in that behaviour and finally proscribe the IRGC.

    Hansard source
26. 7 Jul 2025·Parliament·Damian Hinds

    Fraud

    6. What recent assessment she has made of trends in the incidence of fraud.

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27. 7 Jul 2025·Parliament·Damian Hinds

    Fraud

    As the Minister says, fraud is the largest volume category of crime; it was coming down under the last Government, but over the past full year it has gone back up again dramatically. The Online Safety Act 2023 is a landmark reform, but criminals will always seek new channels, so what will the Minister do in his new fraud plan to address that displaced fraud, including that delivered through advertising on websites not covered by the Act?

    Hansard source
28. 7 Jul 2025·Parliament·Dame Karen Bradley

    Neighbourhood Policing

    May I associate myself and my Committee with your words earlier, Mr Speaker, regarding the 20th anniversary that we are marking today? Live facial recognition technology is an effective tool in community and neighbourhood policing. We know that is being used effectively by the Metropolitan police, but other police forces are nervous because they do not believe that the statutory underpinning is in place. Can the Home Secretary provide some reassurance about what the Government will do to make sure this technology can be used effectively?

    Hansard source
29. 7 Jul 2025·Parliament·Dame Harriett Baldwin

    Government Performance against Fiscal Rules

    With all due respect to the Chief Secretary, the Chancellor really should be here to answer this urgent question because the financial markets are extremely concerned about her wellbeing—the financial markets which, by the way, are asking for a 10-year yield now that is considerably higher than after the Liz Truss Budget. It is really important that the bond markets, which are aware of the hole in the Government’s finances, know how the Government are going to act, because otherwise we will see further fleeing of the millionaires and the wealth creators and the businesses whose investment we rely on for growth in this country.

    Hansard source
30. 7 Jul 2025·Parliament·Dame Harriett Baldwin

    Giving Every Child the Best Start in Life

    It is great news for the babies of Britain that a cross-party consensus has broken out about the importance of the very first days of life. I welcome that the family hubs and the Start for Life programme have morphed into the Best Start family hub programme, with cross-party support. Will the Secretary of State outline what difference parents in Worcestershire will see, specifically with regard to children with special educational needs?

    Hansard source
31. 7 Jul 2025·Parliament·Chris Philp

    Asylum Accommodation

    I gently remind the Minister that the number of immigrants in asylum hotels has gone up since the general election. I recently visited an asylum hotel and saw bikes from Deliveroo, Just Eat and Uber Eats in the hotel compound. Local eyewitnesses confirmed that the illegal immigrants in the hotel had been illegally working. That creates a pull factor, because people smugglers actively market illegal working opportunities. It also creates risk for women and girls, who might receive deliveries late at night from these undocumented illegal immigrants. Will the Minister at least commit now to preventing this illegal working from taking place from the hotels that she runs?

    Hansard source
32. 7 Jul 2025·Parliament·Chris Philp

    Topical Questions

    I associate myself with the Home Secretary’s remarks about the terrorist atrocities perpetrated on 7/7. The 52 victims and their families of course remain in our prayers. The whole House will want to send thanks to the emergency services for what they did on that day and what they do every day. It is now clear that the Home Secretary has lost control of our borders. So far, 2025 has been the worst year in history when it comes to illegal immigrants crossing the channel. Her claim to be smashing the gangs is clearly laughable. The French are having almost no effect, despite spending hundreds of millions of pounds, and the press report that not much will change in the negotiations this week. Returns of small boat arrivals are down, representing only 5% of overall arrivals, so will—

    Hansard source
33. 7 Jul 2025·Parliament·Chris Philp

    Topical Questions

    I am, Mr Speaker. Will the Home Secretary finally admit that the only way to fix this situation is for there to be a removals deterrent whereby every single illegal immigrant is immediately removed?

    Hansard source
34. 7 Jul 2025·Parliament·Chris Philp

    Topical Questions

    The Home Secretary talks about stopping those dangerous crossings, but there have been record numbers on her watch as Home Secretary. Is the Home Secretary aware of the so-called “Police Anti-Racism Commitment”, which is itself flagrantly racist? It says that the racial equity commitment means “not…treating everyone ‘the same’ or being ‘colour blind’”. It says that the police should treat people differently in order to artificially engineer equality of policing outcomes. Does she agree that that is itself flagrantly racist? The police should treat everyone the same. Will she call on the National Police Chiefs’ Council to cancel the commitment? If it will not, will she legislate to give herself the powers?

    Hansard source
35. 7 Jul 2025·Parliament·Charlie Dewhirst

    Asylum Accommodation

    7. What steps her Department is taking to reduce the use of asylum accommodation.

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36. 7 Jul 2025·Parliament·Charlie Dewhirst

    Asylum Accommodation

    People are rightly concerned by reports that the Home Office is buying hotels to house asylum seekers. That appears to be completely at odds with the Government’s manifesto pledge to end the use of hotels. Will the Home Secretary or her Minister confirm to the House whether those reports are true or not true? Will she reassure my constituents in Bridlington and The Wolds that there are no plans to house illegal migrants in facilities in our local area?

    Hansard source
37. 7 Jul 2025·Parliament·Caroline Nokes

    Government Performance against Fiscal Rules

    Order. The shadow Chancellor will know the time limit. I am sure that this will be his last sentence.

    Hansard source
38. 7 Jul 2025·Parliament·Caroline Nokes

    Actions of Iranian Regime: UK Response

    Before we come to the urgent question on Iran, I remind the House that there is a criminal case currently before the courts in which the accused have been charged under the National Security Act 2023 with offences relating to the targeting of UK-based journalists. This case is sub judice, and no reference should be made to it during our proceedings. There is also a separate case involving alleged terrorism offences in relation to a target in London. This case is not sub judice, because no charges have yet been brought, but hon. and right hon. Members will wish to take care to avoid saying anything that could prejudice the ongoing police investigation and any subsequent trial.

    Hansard source
39. 7 Jul 2025·Parliament·Caroline Nokes

    Pension Schemes Bill

    Order. Before I call the next speaker, I just want to be clear that it will be about an hour before the wind-ups. Nine Members are bobbing, so perhaps you can all reflect on that in your contributions so that I do not have to put on a time limit.

    Hansard source
40. 7 Jul 2025·Parliament·Caroline Nokes

    SEND Provision: London Borough of Barking and Dagenham

    Order. The hon. Gentleman’s intervention is far too long. As the Adjournment started before 10 o’clock, he will of course be free to make a speech.

    Hansard source