Gareth Thomas
MP for Harrow West · Labour (Co-op) · United Kingdom
“It is a pleasure to follow the hon. Member for Tunbridge Wells (Mike Martin). Perhaps because of the time limit, he did not dwell on the dismal economic inheritance that the Government were left by the Conservatives, which we are still having to contend with—huge national debt, public services starved of investment, and dismal levels of p…”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I welcome, in particular, the Budget’s focus on the cost of living and the support for families with their energy bills. One of the most pressing long-term challenges that our country faces is how ambitious we want to be in resetting our relationship with our European allies.”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“An “all or nothing” choice to go in or not would be even more irresponsible than the Cameroons’ failure to prepare for the possibility of exit a decade ago. So the reset must deliver more.”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The further investment announced for the British Business Bank is welcome, but it needs to drive a sustained expansion of community banks, or community development finance institutions.”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Why cannot the bigger co-operative businesses be allowed to offset some of their corporation tax liabilities if they invest in co-op development funds that help bloody minded co-operative entrepreneurs to bring the hopes and ambitions of their communities to life?”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Securing affordable finance to grow a small business remains significantly difficult for many firms. It is a sustained market failure, with a gap of up to £4 billion holding back growth, and it is particularly acute for businesses outside the south-east, and for women, disabled and ethnic minority entrepreneurs.”
House of Commons28 October 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
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“Does my right hon. Friend share my profound disappointment that the Conservative party selected a candidate for the local elections in Harrow who thinks that British-born Asian MPs such as the former Prime Minister and the current Home Secretary are not British, should go back to Pakistan, supports discrimination against Romanians, and thinks there should be mass deportations? May we have a statement on what more can be done to tackle online hatred and curb racism more generally in our politics?”
House of Commons16 April 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“As the covid inquiry graphically laid bare last week, the NHS was starved of the investment it needed under the Conservatives, and nowhere more so than at Northwick Park hospital; its brave and extraordinary staff worked around the clock during covid, looking after many of my constituents. Given the very welcome, substantial investment in improving the NHS that the Government have committed to, will my right hon. and learned Friend the Prime Minister encourage the Health Secretary to support plans for a new intensive care unit at Northwick Park?”
House of Commons25 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Work on cancer care services is also taking place in the London North West University NHS trust. Northwick Park already sees more than 50,000 people with suspected cancer each year, and diagnoses more than 3,000 cases. However, too many cancer cases have to be dealt with outside of our area, and the quality of the experience for those being treated for cancer could be significantly improved with further investment. I hope that the Minister will duly make sure that Northwick Park is flagged up early for further investment as part of the national cancer plan.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Critical care admissions are also up by more than 16% since 2018-19, and more than 80% of admissions to the trust are at Northwick Park hospital. It is worth reflecting on the experience of covid. Northwick Park was the first hospital during the covid pandemic to declare a critical incident, as the number of intensive care beds simply ran out. An expansion in critical care beds at Northwick Park needs funding. It needs funding to improve services now, but also to better prepare north-west London for future health emergencies. The bid for funding is strongly supported by the trust board and, I understand, by the local integrated care board as well. I hope that the Minister, her Health colleagues and the Treasury will support it, and that the Minister will commit to doing all she can to give it a strong push.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The new unit that is immediately proposed allows for 30 of the 36 beds to replace existing critical care beds that are located in other parts of Northwick Park hospital, which will free up extra bed space and, in turn, help to alleviate pressures on other parts of the hospital, notably in accident and emergency. It will also play a useful role in helping to prevent the cancellation of elective operations. The recommended bed occupancy for critical care beds is set at 85%, according to the National Institute for Health and Care Excellence. Northwick Park has been consistently above that level for some time. The hospital has one of the busiest A&E departments in the country, receiving an average of 90 ambulances a day, rising to 140 on its busiest days.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The existing intensive care unit there has a series of problems that compromise the current delivery of critical care. It is not co-located with other key NHS services on site, such as the emergency department or operating theatres. It is outdated, noisy, cramped and unfit for purpose for patients and families facing critical illness—or, worse, potential end of life. The trust has put together a proposal for a new UK-leading exemplar intensive care unit that provides additional critical care beds and a new CT scanner, which would embed modern standards of patient experience and family support. The proposal is for a 36-bed unit and allows for a potential future expansion for a further 24 critical care beds.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The funding for GP Direct, a surgery currently based in west Harrow, to expand and offer more and better primary care services, and for a neighbourhood healthcare centre located at the Alexandra Avenue clinic, is set to make even more of a qualitative difference to primary care services in my constituency. However, I hope to make the case to the Minister for the allocation of further NHS capital investment at Northwick Park hospital. Waiting lists are beginning to come down at Northwick Park, but, again, there is much more to do. To help maintain that progress, Northwick Park needs a new 36-bed critical care unit, with space for further expansion. A series of NHS and independent assessments of critical care across north-west London have identified a shortage of critical care beds, particularly on the Northwick Park site.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“This planned expansion of primary care over the next two years, using NHS capital moneys, builds on a recent significant increase in the number of GP surgery appointments. The nightmare of having to get an appointment to see a GP once lines open at 8 am is beginning to ease, but much more progress still needs to be made. GP appointments in Harrow have increased substantially since July 2024. Just under 120,000 appointments took place that month, but by October last year the total number of appointments each month had risen to more than 145,000—a 22% increase. For face-to-face appointments in particular, there had been a 30% increase. I welcome the difference that NHS capital allocated to Harrow will make for primary care in the coming years.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The White House, which is located at Harrow college, close to Harrow-on-the-Hill station, is set to become one of Harrow’s neighbourhood care centres thanks to NHS capital. NHS capital is allowing the local NHS to convert the White House, which is part of the college at the moment, into a new, expanded GP surgery and care centre. It will offer two opportunities for students enrolled at the college to begin a career in health and social care. Crucially, it will create a hub for care services that can keep people out of hospital and, in particular, out of accident and emergency queues. The White House is set to be one of a number of new neighbourhood care centres, including Belmont health centre, Alexandra Avenue health and social care in Rayner’s Lane in my constituency and the Pinn medical centre in Pinner.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The White House in Harrow, thanks to NHS capital money, will shortly become even better than its American namesake. I pay tribute to the hon. Member for Carshalton and Wallington (Bobby Dean) for the way in which he introduced the debate. I agree very much that levels of capital investment into the NHS do not get the attention that they deserve in this place. He is certainly right about the impact on NHS capital spending of the austerity over the previous 14 years of Conservative health administrations. He rightly referenced the shameful spectacle of Conversative Health Secretary after Conservative Health Secretary handing back capital moneys to the Treasury at the end of March. My hon. Friend the Minister will be pleased to know that I have a solution to that problem if she faces it this year.”
House of Commons4 March 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The clearly remarkable Fay Bond took up athletics at the age of 90 and won three gold medals last year at the US senior Olympics at the age of 101—the oldest of over 12,400 older athletes who took part. Given the many benefits of an active lifestyle in later life, when might the first UK senior Olympics take place?”
House of Commons26 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“The shadow Minister will remember that when the Conservative party took control of Harrow council four years ago, it did so on a promise of freezing council tax, which he presumably campaigned on. Instead, council tax has risen by 20% over the past four years. Will the shadow Minister take the opportunity to apologise to the people of Pinner—indeed, of Harrow more generally—for his party saying one thing when it was campaigning and then doing exactly the reverse, increasing the cost of living for his constituents and mine?”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Although a combination of recent mismanagement of council finances and a decade of austerity has done considerable damage to our public services, Harrow remains one of the lowest-funded councils, both in London and nationally, so I say gently to the Secretary of State that I hope he will understand when I tell him that I will continue to press for further funds to improve our local services. It is worth underlining that between 2013-14 and 2022-23, the council saw cuts in its funding from the Tory, and Tory-Liberal Democrat, Governments of more than £50 million, and a reduction of a shocking 97% in the revenue support grants. One of the consequences of that level of austerity was vastly weakened public services.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Harrow certainly needs that uplift, because over the last four years residents have become increasingly concerned about how the council has been managed. Council tax has increased by more than inflation every year. Rents and service charges imposed by the council have rocketed. Crucial parts of the council’s responsibilities have been rated as inadequate and needing improvement. Basic critical services such as street cleaning have been cut to the bone, and new housing to ease the housing and homelessness crisis has been stalled, delayed or just axed. Council officers have told senior councillors that without that increase, Harrow would have faced having to approach the Secretary of State; it would have been at risk of bankruptcy, and of needing exceptional financial support.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Harrow council was on the verge of bankruptcy until Ministers announced substantial extra funding in the local government settlement. Council officers told councillors that they were facing a budget deficit of more than £32 million, and they were planning to use virtually all the council’s reserves to fill the gap if the settlement for Harrow was not as generous as in fact it was. They were even contemplating having to ask for exceptional financial support status, so I particularly welcome the 31% increase in funding for Harrow over this Parliament that the Government announced in December. The last multi-year funding settlement for the council, under Theresa May and Boris Johnson, delivered just a 5% increase, so a 31% uplift over this Parliament is a significant step forward.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Astonishingly, some leaseholders in properties owned by Harrow council are expecting to see their service charges rise by 70% this year. One family, currently paying £2,000 annually, have been sent a bill for £3,400 for next year. Those rates are simply unacceptable in the midst of a cost of living crisis, and I hope the council will review them urgently.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Just last year, the council was ordered to pay compensation to an elderly resident with dementia and her family. The resident needed medical help after she was neglected and let down by the care home in which she had been placed by Harrow council. Since 2022, Harrow has become the third most expensive council in London for council tax, behind Tory-run Croydon and Liberal Democrat-led Kingston upon Thames. Harrow’s Conservative councillors have put up council tax by the maximum possible every year they have been in power, and they plan to continue doing so—a 20% rise in council tax since 2022, despite their promises to freeze it. Council tenants have been hit with the maximum rent increases allowable in each of the past four years, while leaseholders’ service charges have rocketed.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“In the nearly three years since, the council has struggled to get answers to its questions, and the parents inevitably remain profoundly affected by what has happened to their child, and by what they have been put through as a family. I wish I could say that was an isolated case, but it is not. Although I welcome the additional funding that the council will get, which it will be able to put into social care for young people, there are other measures that I hope the Secretary of State will consider further down the line. It is not just children’s services that have been affected; the Care Quality Commission has said that adult social care run by Harrow council requires improvement. That certainly did not come as a huge surprise to many carers, elderly people and other vulnerable adults in Harrow.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“At a nursery, parents reported significant bruising on their child, in what looked like the shape of a child’s footprint. The matter was referred to social services. The parents were arrested and went to court, and the child was taken into emergency foster care. Eventually, the case against the parents was rightly dropped when the court accepted that the original bruising was caused by a child’s foot. In the meantime, during supervised contact that was arranged by Harrow social services, the parents found extensive injuries on the child and reported them to the social worker. Given the scale of the injuries, there should have been a serious investigation at the time, but there was not.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“They included leadership stability, particularly relating to management and oversight of staff and social workers; the “quality of support, advice and guidance for care leavers”; the “quality of help” for children who were homeless; the “quality and consistency in the response” when care leavers went missing; and the consistency of staffing to support children. Some of the most vulnerable children in my community and across Harrow more generally have been let down by Harrow council. Two years earlier, the Conservative councillors who led Harrow council had driven through major cuts to children’s services of over £2.5 million. Astonishingly, the current Conservative leadership locally is proposing another round of major cuts to children’s services. One particular case in my constituency stands out.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I am happy to join the right hon. Gentleman in again condemning the role that the Liberal Democrats played, but if he was the sane voice in the Government at the time, I hope he will forgive me for being—slightly—even more concerned about what was going on. One of the understated problems resulting from the austerity that Harrow has suffered has been the decline in the quality of vital local services. Children’s services were rated inadequate by Ofsted just last year, and immediate improvement was required in eight areas.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Conservative councillors in Harrow promised not to raise council tax but duly did so. I hope the hon. Gentleman will join me in urging the shadow Secretary of State to ask the leader of the council to explain to the people of Harrow why he reneged on his promise. Regeneration should be an opportunity to build more affordable and social housing, and to help tackle the housing crisis that we face in communities like mine. It should surely involve local communities, create opportunities for them to come together, and provide for key local services. Instead, the completion of the redevelopment of the Grange Farm estate has been delayed multiple times—again, a product of the lack of funding and poor leadership locally.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“It would have freed up council-owned land for much-needed affordable housing and for new workspaces, retail and commercial spaces, as well as a new primary school, a new library, a new park for residents to enjoy and a new town square. However, the civic centre remains closed—derelict and boarded up—and major decisions on regeneration have been delayed or cancelled. No new set of accessible council offices is planned, and no one knows when, or indeed if, new promised housing will go ahead. Instead, local Conservative councillors have spent thousands of pounds doing up their council offices, yet members of the public are not allowed in.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“A consistent complaint that I have heard from constituents of mine is that they find it very difficult to get to see anyone at the council. They do not know where to go to meet council staff to sort out problems and discuss issues in their neighbourhood. Shortly after the local Conservative party took over running Harrow council, it closed Harrow’s civic centre. It was due to be replaced by a smaller set of council offices in Wealdstone, on what is currently the Peel Road car park. That would have given Harrow residents access to council staff, and helped increase the number of people using businesses on the local high street.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I would certainly welcome the news that the Conservative councillors in Harrow responsible for housing were looking at councils that are committed to building more council homes, like those in my hon. Friend’s constituency. The failure to complete the redevelopment means that residents have had to put up with mice, damp and substandard accommodation for too long on the Grange Farm estate. On other regeneration schemes in Wealdstone, plans for affordable housing have been axed, no new council housing that had not already been planned by the previous council has been built, and a primary school that was due to be provided has been axed. Developers are not being held properly to account, and a major opportunity to lift the quality of life in the borough has been missed.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“In 2015, the Opposition parties decided to abolish the Audit Commission, a body that usefully challenged councils much earlier on, and helped prevent many poor management practices of the sort we regularly see in Harrow from developing and getting out of control.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“If the hon. Gentleman will forgive me, I have given way to him once, and I leave him to hope to catch your eye later, Madam Deputy Speaker. The public will get their say on the situation in Harrow in May, but the failures at Harrow council raise other questions. Reversing the decade and more of austerity for local services is clearly a priority, and the settlement that was announced in December makes a good start on that objective. Harrow certainly needs a serious examination of its funding formula, but surely raising the quality of local services needs to be more than just the responsibility of local people.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“We certainly need more independent oversight of the way in which Conservative councils in outer London are managing their finances. I am completely with my hon. Friend on that score, and the story of what has happened in Hillingdon is almost as bad as the situation we have faced in Harrow over the last four years. The one bright spot has been the increase in finance that the Secretary of State has delivered for Harrow. We need a review of the funding formula for Harrow, but I welcome the settlement we have had, and I look forward to continuing to persuade him of the case for more funding in Harrow.”
House of Commons11 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Our country, and Harrow certainly, benefits from the hard-working Romanian community. Many Romanian families would welcome the chance for their children to supplement their normal school exams with a GCSE in Romanian. Given that no exam board currently offers a GCSE in Romanian, may we have a debate on how we can put that right?”
House of Commons5 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Multiple constituents of mine in senior roles in engineering, the tech sector and other professional services have written to me with their stories, which underline their personal commitment to the UK and the expectation that Britain—of all countries, with our respect for the rule of law—would honour the implicit promise that we would hold true to that five-year commitment. At the very least, there must be transitional protections for those on the current ILR pathway. I am concerned that too often we shy away from recognising the economic and cultural contribution that those from outside our country make to our communities. They make the UK home. It is not Britain being exploited; we gain from the talent, imagination and hard work that migrants bring to our country.”
House of Commons2 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I rise to raise my concerns about plans to require skilled workers, health and social care staff and those fleeing persecution to wait 10 or even 15 years, instead of the current five, to secure indefinite leave to remain. I echo the concerns of many in the Hong Kong community in Harrow, who are concerned about their status and their route to indefinite leave to remain. As they stand, the changes will make it more difficult to attract to the UK the key staff and talent to help grow our economy and run vital public services. Of course, we need to do more to help those born and bred in the UK to access the jobs market and to prevent abuse of the existing immigration system, but to ask those in the UK who are already here to have to wait another five years or longer would be the height of unfairness.”
House of Commons2 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I very much agree, and I add that surely we have a responsibility to stand with refugees fleeing appalling conflict, including those from Ukraine, and those fleeing increasingly authoritarian regimes such as those from Hong Kong.”
House of Commons2 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Friends in the Home Office are not easy, but I urge them none the less to recognise the particular responsibility we have to those who are already here and are already on the ILR pathway.”
House of Commons2 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Forgive me; I have taken one intervention already. Overwhelmingly, migrants from Pakistan, the Caribbean, India, Sri Lanka and across Europe—wherever they are from—have benefited my constituency. Are we sure we want to lose those vital workers from crucial public services, such as the NHS or social care? International students make a positive contribution to our economy and our country, too. I am certainly proud of the many Indian students who were attracted to the UK and who live in my constituency, and I do worry for our universities. The fees of international students helps to fund research. Cutting-edge universities in Britain need to attract international students, so we should not demonise those students who come here, and drive them towards other countries’ universities. I recognise that the choices before my hon.”
House of Commons2 February 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Four year ago, the regeneration of Wealdstone—now entirely in my constituency—was poised to begin. Since then, the Conservative councillors who run Harrow council have cancelled or stalled key decisions, so much-needed affordable housing is nowhere to be seen, council offices are closed to the public, local services have been starved of investment, and Wealdstone High Street is under pressure. Might we have a debate on how to help failing councils lead regeneration initiatives better?”
House of Commons29 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“As the hon. Gentleman knows, I do not always agree with him, but I very much agree with the case that he is making today and what he is saying. He mentioned the surge in antisemitism in the UK. Would he agree that Ofcom needs to crack down on online hatred—particularly antisemitism, but also Islamophobic tweets? The Jewish community and those of many other faiths are subject to a terrifying amount of online hatred.”
House of Commons29 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“My right hon. Friend is making an extremely good speech. He will recognise that one way in which we have the backs of current military personnel, as well as of veterans, is by offering, through the Joining Forces partnership, access to a credit union for military personnel. Will he assure me that nothing in the Bill will prevent the further promotion of the benefits of credit union membership to even more military personnel, and will he or a Minister meet me to explore how we might promote the Joining Forces partnership even further?”
House of Commons26 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“As my right hon. Friend has said, hundreds of thousands of displaced families in Gaza are living in torn tents and roofless homes, being exposed to the rain and freezing temperatures, with further storms due. What further steps will she take to persuade the current Israeli Government to allow in the materials necessary for more robust shelter, particularly—and immediately—for families with young children?”
House of Commons20 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Bill read the First time; to be read a Second time on Friday 27 February, and to be printed (Bill 363).”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“I am grateful for the support of the Federation of Small Businesses, Small Business Britain, Richard Marshall of Pall Mall Barbers, the Building Societies Association, the Association of British Credit Unions, the Co-op party, Responsible Finance and the excellent team at the Finance Innovation Lab. A fair banking Act is a common-sense, proportionate measure that could have transformative benefits for businesses and communities across the UK. I commend the Bill to the House. Question put and agreed to. Ordered, That Gareth Thomas, Dame Meg Hillier, Sarah Champion, Liam Byrne, Sarah Owen, David Burton-Sampson, Lloyd Hatton, Bill Esterson, Mr Tanmanjeet Singh Dhesi, Nick Smith, Anneliese Dodds and John McDonnell present the Bill. Gareth Thomas accordingly presented the Bill.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“There is currently no mandate for banks to expand access to affordable credit, and no incentive for them to work with credit unions and CDFIs to do so. What the widespread exclusion from credit demonstrates is a major market failure. Current measures are not working and voluntary measures are not enough. The measures in my Bill would end that failure. Talent, and entrepreneurial talent in particular, exists everywhere in the UK. We need to give that talent the chance to flourish, and more affordable sources of credit are key to that. No one in crisis should be forced into punishing levels of debt or worse because the mainstream banking sector has locked them out.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“That would transform the prospects for thousands of entrepreneurs and financially underserved people in all our communities. There have been some suggestions that the measures in my Bill might overlap with existing laws and regulations, including the recently introduced consumer duty. Unfortunately, that duty applies only to people who are customers, so people who apply to banks and are turned down are excluded from it. Also, no mechanisms or metrics are currently in place, or being proposed, on measuring banks’ performance on expanding access to affordable credit as a whole. Specifically, there is no current framework for benchmarking banks’ actions on providing affordable credit or on working with credit unions and CDFIs.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“To be fair, there is some investment in CDFIs from Lloyds and J. P. Morgan, but it is striking how many other major banks invest in CDFIs in the US but do not invest similarly here. As a result of US requirements, British banks are already used to working with the disclosure requirements that I envisage introducing through the Bill. The majority of the data needed for the disclosure requirements under the Bill will already be collected by the FCA in, for example, its consumer credit product sales data, so it would not be over-regulation. Following detailed research for the fair banking campaign, conservative estimates suggest that the requirements in the Bill could result in, for example, an increase in the level of annual lending here by CDFIs and credit unions from an estimated £250 million a year up to £3.3 billion a year.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“A UK fair banking Act would need to focus on small business lending and an individual’s ability to access affordable credit, and less so on mortgage lending, which is a key issue in the US. American fair banking requirements mean that British banks invest in left-behind communities in the US. They invest in and work happily with community banks or community development finance institutions—indeed, British banks are among the largest investors in US CDFIs. They do not lose money and there is often joint lending by CDFIs and banks. In the reports they have to publish they celebrate, for example, their work with women entrepreneurs and with black and ethnic minority businesses. The question for those British banks is why they will not back such requirements here. Why will they not do more with community banks and credit unions in the UK?”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Banks could improve their ratings by expanding their provision of affordable lending to underserved communities and businesses, and by creating partnerships with community banks or community development finance institutions. I am not interested in bashing Britain’s banks—they are critical to our economic future, and huge sources of wealth and jobs for British people and for all our communities—but I do think they could do more. There are fair banking requirements in other countries, most notably in the US, where most British banks already operate comfortably under them. There are of course differences between the financial services environment in the US and here in the UK.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Friends on the Front Bench have put into establishing a financial inclusion strategy. My Bill seeks to build on that good work. We need to go further if the loan sharks are to feel that their opportunities are shrinking, and if we are to see credit unions doubling in size and community banks unlocking more of the business ambition in our country, especially in the most economically deprived areas. A fair banking Act would require the Financial Conduct Authority to analyse the performance of mainstream banks, according to their size, on the provision of equitable access to credit for individuals and small and medium-sized enterprises. It would create a published ratings system that showed which banks were doing well and which less so.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Some 12.5 million people have no savings to fall back on in a crisis and almost 2 million have turned to illegal lenders in the past 12 months alone. As the team at the excellent London Mutual credit union pointed out to me when I visited last week, not having fair access to affordable credit can mean that people have to use payday loans, forcing those who can least afford it to put up with higher charges and interest rates—paying a poverty premium. It means it is harder to save, and more costly to buy key things like a fridge or to repair a broken boiler. In short, it is harder to pay for life’s unexpected costs. The financially underserved do not live far away; they are in all our communities. They are among our families, they are our friends, and they are certainly our neighbours. I welcome the work that my right hon. and hon.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“When in government, senior figures at one bank told me that the typical business client who received personal sit-down financial advice had a trading income of £10 million or more. According to the Federation of Small Businesses, which is concerned about access to the funding its members need and supports this Bill, nearly half of small businesses recently rated the overall availability and affordability of new credit for small businesses as poor. At the same time, millions of people across the UK do not have access to affordable credit when they need it most. More than 20 million adults are now classified as financially underserved—a 50% rise since 2016. One in three adults faces barriers to mainstream credit, often leaving them without safe or affordable options.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Since 2010, CWRT has loaned more than £37 million, helping small and medium-sized enterprises overlooked by traditional lenders in their communities to start up, grow and thrive. Thousands of small and medium-sized businesses are sadly locked out of access to affordable credit at the moment, meaning, in short, that they cannot get fair banking. This holds back too many people in too many communities from turning strong ideas for new inventions or new services into more jobs, new high street ventures or just great commercial opportunities. For the entrepreneur who does not have a track record or assets, access to business finance and financial advice is a huge challenge. Indeed, the cost of business finance in the UK is higher than in other comparable countries.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗
“Dal Dhillon is a great Coventry entrepreneur who runs Dhillon’s Brewery, Dhillon’s Spire Bar and the Sky Blue Tavern, which, together, are helping to fire up Frank Lampard’s growing army of Coventry fans as they push for the holy grail of premier league promotion. When Dal wanted to expand his businesses, he hit a stumbling block that affects many growing businesses: accessing affordable finance. His application was rejected by a mainstream bank, so Coventry and Warwickshire Reinvestment Trust—a community development finance institution or community bank—stepped in. It is not for profit, accredited by the Financial Conduct Authority, community-focused and takes the time to understand the entrepreneur, their business and their ambitions. In essence, it is a proper community bank.”
House of Commons14 January 2026Contains Parliamentary information licensed under the Open Parliament Licence v3.0Source ↗