I was pleased to meet my hon. Friend, together with Heather Buchanan from the all-party group on fair business banking and finance. The APPG has produced a thorough report on this very issue, which I have read with interest. As he identifies, it is important that small businesses can bring claims against the banks when they need to do so. I have spoken to the Economic Secretary to the Treasury, who is carefully considering the APPG report, together with—when it comes out—the Financial Conduct Authority’s consultation on expanding the role of Financial Ombudsman Service, and who will consider Simon Walker’s independent review of complaints. I know that he is keen to set out the Government’s position as soon as possible after that.