Mr Luke Charters
MP for York Outer · Labour · United Kingdom
“When someone says, “It’s gone reyt,” you know it has gone properly well. Many of these words carry real history: “laiking”, “beck” and “fells” are all rooted in Old Norse. Long before Westminster caught up with the north, we were already shaping a language of our own.”
“Research shows that nearly a third of university students have been mocked because of their accent, and almost half of workers say that they face jokes or jibes about the way that they speak in workplace settings—including me, in my experience at the Bank of England. I felt it when I started doing national media as an MP, too.”
“Like many colleagues here today, I was not elected because I sounded polished; I was elected through hard graft and to represent the people who sent me here. I have done my best, though, to get a few Yorkshire phrases into Hansard , because that is how my constituents speak.”
“It is a pleasure to serve under your chairship, Sir Roger. I congratulate my hon. Friend the Member for Leigh and Atherton (Jo Platt) on securing today’s debate.”
“I really appreciate that, and those producers know who they are. I am especially grateful to broadcasters such as Matt Chorley, who is helping to challenge some of the assumptions in national broadcasting and to get regional accents on air.”
“I do not want my two boys, Robin and Louis, to grow up believing that if they want to pass an interview or land a graduate job, the first thing that they have to do is to change how they speak. When a young person starts believing that they have to hide or change their accent, it chips away at their confidence.”
The complete record
Every one of 414 lines we hold for Mr Luke Charters, in date order, each linked to its source. Free to read, in full, without an account. Page 1 of 9.
“If the best jobs in finance, law or politics still mean moving to London—and that has to change, by the way—and sounding like you have always lived there, we have not solved the problem; have we? I want children watching Parliament on television to hear someone who sounds like them, not someone who they feel they have to become. Otherwise, too many young people will carry on believing that making it means leaving part of themselves behind. Whether someone grew up saying “ey up”, “nowt” or “summat”; whether they call an alleyway a snicket; whether they tell their mates “It’ll be reyt”; or whether they are simply “chuffed to bits”, their voice is never something to be ironed out; it is part of who they are.”
“I do not want my two boys, Robin and Louis, to grow up believing that if they want to pass an interview or land a graduate job, the first thing that they have to do is to change how they speak. When a young person starts believing that they have to hide or change their accent, it chips away at their confidence. I believe also that we are wasting talent. Businesses across Britain are facing a productivity hit if they overlook good, honest graft for absolutely no reason. A young person from Haxby or Bishopthorpe should not be marked down because they do not sound like they grew up in Belgravia. By the way, I should also give a special mention to “Bratford”—or, as some may say, “Bradford”—where the same applies, of course.”
“I really appreciate that, and those producers know who they are. I am especially grateful to broadcasters such as Matt Chorley, who is helping to challenge some of the assumptions in national broadcasting and to get regional accents on air. The real success, of course, will be hearing someone from Yorkshire or Lancashire on national radio or TV without it being worth commenting on at all. I am immensely proud to be from God’s own county. I have always tried to stay authentic to my roots—a West Yorkshire family, a North Yorkshire upbringing, and always proud to represent York—but I would be lying if I said I had not softened my accent at times, including when working in the City, because I thought that was what I had to do if I wanted people to take me seriously.”
“Research shows that nearly a third of university students have been mocked because of their accent, and almost half of workers say that they face jokes or jibes about the way that they speak in workplace settings—including me, in my experience at the Bank of England. I felt it when I started doing national media as an MP, too. I turned up, ready to talk about serious issues, such as getting funding for a station in my constituency, or tackling antisocial behaviour—standing up for my constituents—but too often I felt as if only clipped southern voices sounded suitably authoritative. I was not always invited on to programmes—although, strangely enough, there was never any shortage of invitations to those where the producers would tell me how much they love a proper, thick Yorkshire accent.”
“When someone says, “It’s gone reyt,” you know it has gone properly well. Many of these words carry real history: “laiking”, “beck” and “fells” are all rooted in Old Norse. Long before Westminster caught up with the north, we were already shaping a language of our own. Yet too often, these words can draw blank looks—even within our own region. Mention a “snicket”, “ten foot” or “fuddle”, and you will quickly find out who understands proper Yorkshire. It was not just in Parliament where I felt out of place; it was also at Oxford. I am incredibly proud to be a state-school kid who worked hard to get there, but when I did, some of the older tutors actually mocked the way I spoke. They were not correcting my grammar or debating my ideas; they were judging whether somebody who said “nowt” really belonged in their so-called hallowed halls.”
“Like many colleagues here today, I was not elected because I sounded polished; I was elected through hard graft and to represent the people who sent me here. I have done my best, though, to get a few Yorkshire phrases into Hansard , because that is how my constituents speak. I will kick off by giving a few more, having turned to Facebook for some inspiration. There is some disagreement, and I am risking controversy here, but I stand firmly with saying “ginnel” over “gennel”—some things you have to get right. What came through clearly is that the Yorkshire dialect is not just colourful, it is precise. When someone is “mithering”, you know exactly what they are doing. If they have a “mardy”, you know what that means, and if they have “a monk on”, you know to stay well clear.”
“It is a pleasure to serve under your chairship, Sir Roger. I congratulate my hon. Friend the Member for Leigh and Atherton (Jo Platt) on securing today’s debate. I have spent a fair bit of time near her patch over the past couple of months, and though we bang on about the Yorkshire-Lancashire rivalry, we are united by a few things: some of the best food in the country—including the finest pies—and of course, the warmth and friendliness that we are all proud of, and of which she is one of the finest examples in this House. I want to be crystal clear: judging someone by their accent is an attitude that belongs firmly in the history books. I must admit that, when I first arrived in Parliament, I often felt out of place and like I did not belong—all because of my accent.”
“I would like to see social media companies and the Government prioritise ghost broking and for them to listen to the Association of British Insurers’ work on that. I want my two boys to grow up in a world in which the first financial lessons they receive come not from a stranger with a ring light and a referral code, but from good, hard-working northerners who know how to match that graft with good financial advice. I think that is the world all of us want to see when it comes to sound financial education for all.”
“We have to think about how products delivered by fintechs can get young people saving. I will briefly touch on fraud, because I am concerned that many of the social media ads I talk about are fraudulent. Some 47% of 18 to 34-year-olds have lost money to scams in the past year. The average loss is three grand; that is over a month’s wages. It could be the first home deposit wiped out in one. That is what financial exclusion does. I am particularly thankful to the hon. Members who have mentioned the car insurance market. There is a phenomenon called ghost broking, where fraudulent car insurance—insurance that does not really exist—is sold to young people. They are a young driver, they think “premiums are high”, they are sold a pup and an insurance policy that does not exist. They then get into an accident, and things go wrong from there.”
“Boys in particular are being brought via the toxic hinterlands of the manosphere into Ponzi schemes and get-rich-quick schemes linked to body dysmorphia and other dangerous influences in the manosphere, which is an important link. A good way to get young people into healthy financial habits is through savings. Gordon Brown understood that, as shown through the child trust fund, which was scrapped in 2011. Today, a child born into a family with money is likely to have a junior ISA opened in their name, as I have done for my children. Compound interest works favourably over the years, so by the time those young people are adults, they have a foundation that can act as a springboard for life. We need to have that nudge theory built into the system from the start.”
“I call on social media giants and big tech to do more to take heed from the FCA’s work on two fronts. First, social media giants must ensure that finfluencers properly declare any conflict of interest. Secondly, there must be greater education, almost like public good messaging inbuilt into the algorithms, where officially verified types of financial education filter through them. Aviva found that one in five children under 16 are now getting financial information from social media platforms, and only one in eight said that they would get their financial advice from school or college, so the math really ain’t mathing.”
“All of a sudden, things on social media can start to feel slightly odd, because for young people those opportunities are often promoted on familiar apps that they know, in formats that they recognise and delivered by people who seem relatable. An influencer who a young person might like may appear to be educating them about money, as perhaps a big brother or sister would, but we often find that those types of ads and reels can become exploitative. As a former Financial Conduct Authority regulator, I think we are now entering a phase of TikTokification of financial advice. The FCA, my old place of work, must be commended on its work on financial promotions, but unfortunately it has found that in some cases the majority of TikTok ads breach its finprom rules.”
“It is a pleasure to serve under your chairship, Sir John. I commend my hon. Friend the Member for Hertford and Stortford (Josh Dean) on a terrific speech and on gathering us in Westminster Hall today. May I take a moment to take you back to your first job, Sir John? I am sure you will remember your pride at bringing home your first payslip. In today’s society, young people are turning to TikTok for beauty advice, fashion trends or the latest dance craze. It is where they learn how to spend their hard-earned cash, but it has also become a place of toxic finfluencers, where so-called get-rich-quick opportunities are being targeted at young people.”
“T3. With Anthropic being ordered to suspend access to Fable 5 and Mythos 5 for foreign nationals outside the US, will the FCDO pursue reliable UK access to frontier AI models as a diplomatic goal?”
“I want to say something about us being a university city, shaped by our rivers. I did part of my graduate studies in the United States. American universities incorporate water safety in their undergraduate curricula, so I think universities have to do more. I would like to use this moment to open a conversation with Universities UK on that. In Parliament, we often put a lot of responsibility on primary school teachers, but we should look at what universities can do. Above all, we must make sure that every child, regardless of background and household income, leaves school able to swim and to understand water safety. Is it so much to ask, in a society as rich as ours, that we have kids who can swim?”
“We must do more for those from disadvantaged backgrounds, and ensure that children with disabilities and additional needs receive extra support in learning basic lifesaving skills. Although it is very easy for politicians to stand up in the House of Commons and say that things should be free or expanded, I really think we need to talk about free swimming lessons for kids in deprived areas of this country. We must go beyond speaking about the curriculum. The House has legislated for seat belts, fire alarms and road crossings. As I say, it is time for Sam’s law too. In York, we know that this is a particularly acute issue. We teach children about the history of the Minster, the city walls and the railway, but not enough about how to survive in the River Ouse. We should embed swimming and water awareness at a much earlier stage.”
“Of course, I grabbed him, got him out of the pool and built his confidence back up. As parents, I am sure we have all had those feelings, whether at the pool, the beach or even a bath time—even when we are there watching, a metre away, ready to step in—but there will be a time when our children leave home and we cannot be there for them, just a metre away. We teach the green cross code, stranger danger, and fire and road safety as standard yet, although water is one of the biggest killers of children, water safety is too often an afterthought. It is a compulsory part of the physical education curriculum; every child, in theory, should leave primary school able to swim 25 metres. One in three, though, unfortunately cannot.”
“Years of austerity, I am sure, have something to do with how access has been hollowed out to those essential services. Water tragedies are not just accidents; they are preventable. Swimming might be compulsory in the curriculum, but long waiting lists for lessons and the closure of pools means that that promise is too often not delivered. Too often, we talk about water safety only after a life has been lost. We really need to explore that. I want to tell a brief story of my own. My little boy Robin, as Members will know, means the world to me. One day we were in the pool. He was splashing around, a metre and a half away from me, under my watchful eye. He was extremely close, with his float jacket on. For a split second, his face went under the water—a split second of panic. That shock is something a parent will always remember.”
“In particular, I am grateful to York Rescue Boat, a charity established in 2014 to protect lives on the Rivers Ouse and Foss. It takes a proactive approach to water safety by doing things like going on patrol every weekend, helping to keep residents, and of course visitors to our wonderful city, safe, but from speaking to its volunteers, a clear picture emerges: much of what they deal with is preventable. We should be honest about something from the start: water safety has become somewhat of a class issue. I am fortunate that I can afford to take my lovely boys swimming regularly and pay for swimming lessons to make sure that they build confidence in the water right from the start of their life, but too many families cannot. Too many children are growing up without access to the very skills that could one day save their life.”
“Friend the Minister: I would really welcome the Government thinking about whether the upcoming clean water Bill could be the most proximate legislative vehicle to introduce Sam’s law—a relatively simple fix that involves mandating equipment at some of these sites. I also join those who paid tribute to Palwasha Akbar, who tragically died after going missing in the River Wharfe in North Yorkshire. No parent should have to go through that. As a dad to two young boys, I cannot imagine what it must be like to receive that knock at the door. I express my gratitude to the emergency services and search and rescue in York. Whether they are patrolling the Ouse late at night or on the hottest day of the year, they are there when we need them the most.”
“It is a pleasure to serve under your chairship, Ms McVey. What we have heard is heartbreaking. I thank my hon. Friend the Member for Southampton Itchen (Darren Paffey) for leading the debate, my hon. Friend the Member for Doncaster East and the Isle of Axholme (Lee Pitcher), and my hon. Friend the Member for York Central (Rachael Maskell) for the work she has done over many years in our city. I also pay tribute to the right hon. Member for Skipton and Ripon (Sir Julian Smith). First and foremost, the Daily Mirror has done fantastic work on the Save Lives for Sam campaign, and the simple message: “Float to Live”. Sam was just 16 when he passed away in Rotherham, and his dad has shown extraordinary courage. Let me get out of the starting blocks by making a simple request of my hon.”
“I recently gave evidence to Baroness Amos’s national maternity inquiry, sharing the trauma that my wife and I endured. Even as she carried her own burden after the birth, she was my rock, but the NHS was not. I was invisible. No one asked about me and I was left to carry it alone for months. Will the Minister please ensure that health visitors recognise dads and other non-birthing partners, check in on their mental health, and help them to access support so that no more dads are forgotten when families need them the most?”
“Several of my constituents have had their identity stolen, leading to devastating consequences. A serving member of our armed forces had his house purchase delayed after his credit file was marked as a risk. Too often, identity theft is bundled into other offences such as computer misuse and not pursued at all. Having been a counter-fraud specialist, I know how widespread this issue has become. Will my hon. Friend meet me and campaigners to discuss the case for identity fraud becoming a stand-alone offence?”
“I recently joined Surfers Against Sewage on the River Ouse, where the consequences of the failure of Yorkshire Water were plain to see. Does the Minister agree that we should compel water bosses to personally clean up excessive pollution and that they should be sent into the river with some overalls and a pair of wellies to have the opportunity to get reacquainted with their products?”
“The question is whether we are truly ambitious enough to extend our thinking beyond the M25 to the 15 million great people of the north who would love to see that connectivity. Small towns should never settle. Connectivity is what determines young people’s futures, so we must do all we can, at all levels, to drive connectivity across our communities.”
“Earlier this year, I was taken over to look at the connectivity in Switzerland—I refer Members to my declaration of interests. What did I see there? Cable cars, buses, trains, trams and boats—all synchronised, end to end. It just works. Why cannot someone in York connect seamlessly on to Leeds, from bus to train, with a timetable that joins up? I have also suggested a northern Oyster card. Why do we all bang on about London being so productive? The reason is connectivity—the Oyster card. Let’s have it in the north: tap on, tap off, truly integrated transport and fares, not just for our great cities in the north but for the towns between them. Manchester’s Bee Network shows that it can be done, and we also have the Weaver Network in Leeds and the People’s Network in Sheffield.”
“I might be the park-and-ride MP, with the highest number of services anywhere. I was also lucky enough to work with First Bus on fare caps for young people and on improving the fare arrangements for young parents who live in the University of York area. Of course, the big one has been bringing in a new station at Haxby, thereby improving connectivity for a town of more than 8,000 people. There is more to do, though, including in respect of the 412 bus, the No. 5 bus and the No. 6 service, and on capping prices for students on the No. 6 bus. We have not heard too much about the need for active travel, including cycling and getting people on to fantastic bike lanes; I call on developers across York to invest in infrastructure. But I would like to raise a bigger idea that could improve connectivity across small towns.”
“It is a pleasure to serve under your distinguished chairship, Sir Roger. I congratulate my hon. Friends the Members for Scarborough and Whitby (Alison Hume) and for Rossendale and Darwen (Andy MacNae) on their cracking speeches. It has been a bumper nearly two years for me in driving to improve the connectivity of the towns and villages in my constituency. I was lucky enough to bring back the No. 15 bus route that connects Woodthorpe and Bishopthorpe on Sundays. However, when I raised the issue in the Chamber, Quentin Letts said people should just get an Uber. We know that that is not an affordable option in towns across the country. The right-wing media bubble just does not get it. With the Minister’s help, I was lucky enough to secure over £5 million for park-and-ride services in my constituency.”
“I recently wrote to the Minister for Border Security and Asylum about this. We have to recognise that there are unique circumstances and take things on a case-by-case basis. If asylum seekers need urgent support to get to critical medical appointments, for example a 20-week scan, then I think a compassionate Britain says that we should support them. Around 12 years ago, the Institute for Public Policy Research published a report—one that stands the test of time—calling for a greater sense of people’s contribution in the visa system. Under what I would call something like ILR contribution-plus, community champions such as carers or nurses saving lives in the NHS should maybe, just maybe, have a faster route towards ILR. We should seriously look at that.”
“I have no doubt that we will see Reform politicians putting on three-lion shirts, singing the national anthem and cosplaying as the football fans they never seem to be throughout the rest of the year. But many of those players’ parents were born overseas and came to the UK. Many of their family members would never have been allowed here in the first place if it were down to Reform. Just remember that when we see them wearing England shirts, and let us not forget that some of them have even boycotted games before. Patriots? Yeah, right. Moving on, one of the most heartbreaking things I have heard about from my constituents in York Outer was the case of some asylum seekers who were trying to get to a maternity appointment—unfortunately, they do need taxis to get to some appointments.”
“Let me start by saying that legal migration is a positive thing that is felt across most households in Britain, left or right. Take the NHS. The statistics tell us that, when my youngest boy, Louis, was born a year ago, on average, one of the NHS workers in that delivery room was born overseas. That is a wonderful thing and a story I will tell him in the years to come: that someone born overseas chose Britain to be their home, to deliver him into this world. We must never forget that, under Reform’s policies on ILR, the NHS would crumble overnight. Let me frame things, though, in a different way. The world cup is coming shortly, and we have a squad of incredibly talented players from right across the country—even if we can debate whether Tuchel’s final 26 was the right choice.”
“It is a pleasure to serve under your chairship, Mr Stuart. I want to start by welcoming the Home Secretary’s measures to get a grip on the visa system and rebuild the public’s trust in it. This is a debate that, if I am frank, my party too often shies away from. I want to be honest: I have been on the doorsteps in Makerfield and in industrial towns right across Yorkshire, and I have to admit, I often hear the same thing, even from those I speak to who are hesitant about illegal immigration. Most people have got absolutely nothing against legal migration, managed well. I want to come to this debate with some thoughts on how we can build a visa system that is based on contribution, is more place-based and has devolution at its heart, maximising British values around fairness.”
“I can assure my hon. Friend that he does not look old enough to have written that report 12 years ago. Regarding the Fair Work Agency, there is an important deterrent effect that gangs exploiting people overseas should recognise that it is not worth their time to proceed with illegal activity. I want to touch on—”
“I briefly want to mention a very tough bloke at one of my surgeries, who was in tears over his wife’s visa situation. I do have concerns about applying changes to ILR from five to 10 years retrospectively. I am not convinced that is the best way forward. We should move to an ILR and visa model based on the contribution that people make to their place and communities, linking it to the devolved power of regional mayors.”
“After all, this is not just about regulations, commissions or fees; it is about dignity, security and ensuring that a home someone chose for peace does not become a source of fear. Retirees should be able to enjoy the life they have earned, without having to fight just to hold on.”
“Time is precious in life and, for however many years they have left, they just want more time together as a family; but when she and her husband sell up, 10% of the proceeds will go not towards the move or towards their future, but to the site owner. There is no other form of home ownership in the country that requires sellers to hand over 10% of their home’s value to another person. If I were at the Financial Conduct Authority, investigating a similar pricing structure in the financial services industry, I would be saying loud and clear, “Mis-selling, mis-selling, mis-selling.” It absolutely stinks. I am genuinely pleased that the Government have launched a formal review of that 10% commission.”
“When people go to Mill Garth Park or Mount Pleasant Park in my constituency, they see immediately that these are beautiful parks, set among nature, with close-knit communities—but for too many, what was meant to be a peaceful retirement has slowly, heartbreakingly turned into something else entirely. For some residents, their park home has become a financial prison. Residents who believed they were buying certainty now lie awake worrying about pitch fees they cannot control. That is why I warmly welcome the Government’s plan to move annual pitch fee increases away from retail price index and towards consumer price index. However, there is one issue that still casts a very long shadow over the lives of park home residents: the 10% commission charge on resale. One of my constituents simply wants to sell up to move closer to their son.”
“I thank my hon. Friend the Member for Rushcliffe (James Naish) for bringing the voice of park home owners to Parliament. For many people, choosing a park home is not just a housing decision; it is about investing in the next chapter of their lives. It is a choice for peace and a slower, gentler pace of life. People sell their brick-and-mortar homes and invest their life savings. They are not chasing luxury; they are seeking a bit of security. Sir Alec, you will know that in York and North Yorkshire we have some of the best park homes in the country.”
“The Government’s planned major changes to CMS payments are welcome, but my casework inbox is inundated—absolutely chock-a-block—with complaints about the CMS’s poor customer service, which is damaging the lives of dozens of my constituents in the process. What steps can my hon. Friend take to rapidly improve the effectiveness of the CMS?”
“I had to sort that out with him, and it was all the consequence of his identity having been stolen. Identity theft is not a victimless crime. It is particularly acute when it comes to car insurance, but we must tackle it in all its forms. As part of the next iteration of the Government’s fraud strategy, I would welcome a specific offence of identity theft. The Computer Misuse Act 1990 is a broad vehicle according to some of the police I speak to, and it would be beneficial to have a specific offence of identity theft.”
“He found out that mobile phone contracts had been taken out in his name, and I worked with him to get his credit file back on track and to get some of this expunged—some of the credit reference agencies were very slow in righting this wrong. In the end, there was no financial loss to my constituent, but it had a big impact on his life. He was serving overseas and his credit file had been wrecked; when his partner then found a perfect family home for them, he unfortunately realised he could not get a mortgage. He had come back from deployment, and he knew he would be in the UK for a year or two, so he wanted to use that time to settle into a family home. That was his dream—he had been apart from his girlfriend for some time—but he could not do that because his credit file had been wrecked.”
“They then resell that identity, or part of it, for the purposes of identity theft later on. Not only have uninsured drivers, including young drivers, bought the ghost broker’s policy—that is, they lost their premium and have been uninsured; they may even have been in an accident or whatever—but some years down the line, they might become a victim of identity theft too. We must have a conversation about having a specific offence of identity theft. Although this does not relate to car insurance, I will briefly tell Members the story of a constituent who served abroad in the armed forces and who had his identity stolen.”
“In addition, there are over 50,000 motor insurance scams, worth half a billion pounds in total, and up to half of all fraudulent claims could feature some aspect of ghost broking. Really staggeringly, around three in 10 young drivers have purchased insurance from illegal sellers on social media, and the average loss per victim is around £2,000, even though an annual premium is obviously less than that. This means that, for many years, many drivers have been going about on the roads uninsured. The final issue with ghost broking that I want to talk about is the “second wave” that I have heard about anecdotally from those in the sector. Once the ghost broker is there, then, like a vampire, they have got their victim and they steal some of their identity.”
“Those platforms—be they Meta, TikTok or whatever—should not be making money from ghost broking ads. The ABI was spot on in trying to create greater consumer awareness of this problem. I invite my hon. Friend the Minister to join me in saying a very common Yorkshire phrase: “If it’s too good to be true, it probably is.” That really applies to many of the policies sold by ghost brokers. The ABI has called for greater consumer awareness of the risk of ghost broking, and I encourage my hon. Friend the Minister to join me in supporting that call today. I am concerned about the statistics from the ABI that show an upward trajectory in ghost broking—for example, there has been a 22% increase in ghost broking over the last couple of years.”
“We all know about the very high premiums that young drivers face, so many of them unfortunately fall into the hands of ghost brokers. They face many different losses: not only the loss of their premium but, if they were to unfortunately become involved in an accident, the consequences for their personal finances. The effect of uninsured driving is very much a double whammy, especially for young drivers in such circumstances. We heard from the hon. Member for North Shropshire that these ghost brokers increasingly operate on social media. I really believe that the Financial Conduct Authority can go further, with Ofcom and some of the social media platforms, to call out that behaviour. There is a conversation to be had about the verification process that social media platforms go through when they receive advertising revenue.”
“I am also concerned that, with ghost broking in particular, there are some instances where it is operating at scale. It is not just the product of a few rogue actors operating from their basements, or something like that; often, it is a systematised attack used by organised crime groups to target vulnerable groups. I will talk next about what I see as systemic predation and the predatory behaviour of some of these ghost brokers. Let us imagine a young driver, aged about 17 or 18. They might have a little C1 or another small car, something with a 1.0 litre engine, and they might have their very first job after leaving home—a job that they depend on for their way of life and livelihood. They need that car to get to work.”
“It is a pleasure to serve under your chairship, Ms Lewell. I genuinely thank the hon. Member for North Shropshire (Helen Morgan) for securing the debate. I will confine my remarks to ghost broking, which she referred to. I gave a speech on that subject at the Association of British Insurers last year, and I have a keen interest in it, given that I had a career in counter-fraud. The first point that I want to make is about the nature of the phantom protection that consumers so often receive when they purchase ghost car insurance cover. I am increasingly concerned about the use of AI in fabricating insurance documents. They look genuine to many consumers, so we really must ensure that there is consumer awareness around such uses of AI.”
“I invite the police to think about how they could do that, using AI themselves to detect documents fabricated by AI. It has been a hearty discussion today. I call on the FCA to work closely with Ofcom and social media companies to quickly put a stop to the revenue connected to many of these ads, because that would curtail a lot of this activity. We have to have much greater verification in place when it comes to ads relating to insurance, and the social media platforms have to do something very simple: check that the originator of the ad is actually registered by the FCA. I hope that some of these straightforward calls can be answered, and that the Minister will join me in saying that if something is too good to be true, it probably is. We need greater consumer awareness when it comes to car insurance fraud more generally.”
“I thank my hon. Friend for drawing attention to that example. Large language models can be in one’s pocket, and such documents can be generated even without internet connectivity. When I was in the counter-fraud sector, I used some of the AI models that criminals had in order to create hypothetical, fabricated documents. My team created some of those documents—bank statements and identity documents—and showed them to me alongside real documents—and I, an experienced fraud practitioner, could not tell the difference with my eyes. We are now having to use digital tools to detect AI manipulation; sometimes the eye of the beholder is insufficient to detect that a document has been fabricated by AI. As a fraud practitioner, one has to stay one step ahead of the fraudsters.”
“9. What assessment his Department has made of the potential impact of council tax debt collection practices on households in financial difficulty.”