Financial Services Bill

I hope that the hon. Gentleman will use the fact that he has shares to make representations to his bank about the consumer credit market in the UK. The consequence of doing nothing about this industry and doing nothing about how British families are being made to struggle because of the cost of credit are far too great to see. Frankly, it is not good enough for the Chancellor and the Minister to say, ““Well, we have to wait until we see the research from BIS.”” We have been waiting years—yes, years—for action on this issue since it was first put to Ministers.