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My Lords, I am very grateful to both the noble Baroness and the noble Lord, Lord Davies. I can only repeat what I said before. I accept the weight and the implications of what I have said.
Amendment 13 agreed.
Moved by Baroness Kramer
14: Before Clause 18, insert the following new Clause—
“The FCA’s competition objective
In section 1E of the Financial Services and Markets Act 2000 (the competition objective), after subsection (2)(e) insert—
“(f) how far competition is delivering diversity of provision, including diversity of ownership, geography, community and size.