Baroness Coffey (Con)

I signed Amendment 52 in the name of the noble Baroness, Lady Bowles of Berkhamsted, because—let us be candid about this—this is not the Government’s money. There seems to be an attitude that, because the Government use tax relief in other ways to encourage people to invest in private pensions, all of a sudden they are somehow going to tell people what to do with their cash—instead of putting government taxpayers’ money into those projects—just because that cash is not being invested in projects the Government want. Even auto-enrolment, which has been a force for good, is not mandatory; people can opt out. There has always been a recognition that it is somebody’s salary, and so it is their choice what they do with their take-home pay. The approach in the Bill goes completely against that because—I will not use unparliamentary language—the Government are almost blind to the fact that it is not their money. My particular concern is that there never was a human rights impact assessment. I have written to the Attorney-General to understand that, because I think this could well be covered, in effect, as personal property under Article 1, Protocol 1 of the ECHR. Yet the Government seem quite happy to say that this meets the human rights test. We have never seen that backed up, so I would be grateful if the Minister could publish any assessment they have done before we get to Third Reading. To be straightforward, this is the wrong approach. The voluntary accord is the right approach, which is why I will support the amendment if it is tested.