Lucy Rigby

On that cue, I will skip further ahead in my speech. I was going to talk about all the services that are available at banking hubs, which the industry is working hard to increase. Customers can now open accounts, change names and addresses, register complaints or receive help with online and telephone banking. I have met the industry on a number of occasions and I would like to put on record that we are working to try and make sure that the services provided at banking hubs meet the needs of communities. Fraud and scams were mentioned; they are concerns that the Government are thinking about. Let me cut to the chase and answer many of the questions that have been raised. Despite everything that I have said about the importance of banking hubs and our manifesto commitment to open 350 of them, it would be premature to conclude that all communities are consistently receiving sufficient support for their banking needs. That has been clear from the contributions of hon. Members in this debate. In direct response to one question was raised by the hon. Member for St Ives—a point that was also well articulated by my hon. Friend the Member for Stoke-on-Trent North (David Williams)—that is why, as might be expected, we are keeping any need to go further, including on access to banking services, under close review. There is much more I could say about the health of our high streets, digital and financial inclusion, and alternative options to banking services, but in the light of the time and your strong cue, Mr Western, I will wrap up there.