My hon. Friend raises an interesting point. Credit unions are vital, we are supporting them and we want them to develop, but I will leave making representations to the Chancellor on windfall taxes to my hon. Friend.
The Bill is built on principles of transparency, protection and fairness and sends a clear message to unfair and exploitative lenders that there is no place for them in our society. We have a clear vision of how a healthy consumer credit market should function, with responsibilities for both consumers and industry. We see consumers taking responsibility for controlling their finances, using credit sensibly and taking advice at the earliest opportunity. We see the industry providing consumers with the information that they need to make informed choices, lending responsibly and ensuring that advice and support are available for consumers in difficulty. The Bill sets the framework for that vision of a fairer, more competitive consumer credit market for the 21st century and I commend it to the House.