Graham Leadbitter

Absolutely. I am about to talk about the critical services offered by banks through banking hubs, which addresses the hon. Gentleman’s point. Community bankers located within banking hubs can offer much needed savings, loan and mortgage advice. Recently, a local community leader in Grantown made the strong point that basic business support, such as collecting change, depositing and withdrawing cash, transferring money between business accounts, making payments, managing cards, fraud support and money advice and even offering simple advice on how to open a business bank account, can be the difference between a business thriving and a business failing in a rural community. Paying utility bills, depositing cheques and, for local charitable groups, even depositing the proceeds from a coffee morning or a raffle stall at a Highland Games, can make the difference between succeeding or struggling. The golden thread in all of this is that without banking hubs in the areas that need them, current policy is making it harder for people to buy their own homes, to run their own businesses and even to simply access cash in these areas. I am pleased to acknowledge the Government’s announcement last week of an independent access to cash review, which will report in October 2026. I would have liked that work to have been done and concluded by now, but now it is in place I do not want to be churlish or grumpy about it. I know that those engaged in that review will be paying close attention to debates like this. I am sure that they will have noted the number of hon. Members from all political parties who are contributing to this debate and making their views and those of their communities known on this important issue. It is important that the regulators and the independent reviewer hear that breadth of opinion, because that will inform the response to the review.