With the leave of the House, I will simply say a very brief thank you to the Backbench Business Committee for allowing the debate, and to everybody who has participated in it. What my hon. Friend the Minister just said is exactly right. I am someone who has been criticised by Opposition Members as a left-wing dinosaur—I wear it as a badge of honour—but that would hardly be said of my right hon. Friend Esther McVey. People should recognise that when someone with my politics and someone with her politics absolutely agree with everything that has been said, there is surely something wrong.

Question put and agreed to.

Resolved,

That this House
recognises the importance of banking facilities to local communities and expresses concern over the precipitous decline over the past 40 years;
notes the change to banking habits through online services;
further recognises that, for vulnerable people, face-to-face banking is a vital service and a reduction of branches risks significant financial exclusion;
further notes the impact of a loss of physical banking on small businesses through lost productivity and lost footfall;
also notes the innovative nature of banking hubs as a solution to a loss of high street banking, but recognises that Financial Conduct Authority rules for their recommendation are too inflexible;
and calls on the Government to instigate a review into the impact on communities of bank branch loss and a change to the regulations to ensure communities have appropriate access to banking facilities.