I thank my hon. Friend for that question. It is typical of him that he should go out to bat for those who are least able to afford the consequences of high interest rates. The FCA has—or we have, as a Government—already placed a limit on payday lending. The FCA has particularly expressed concerns about the volume of credit that is being taken on to credit cards. In February 2018 it announced a package of remedies related to giving customers more control over credit card limits, encouraging customers to repay more quickly and other measures.