My Lords, I am very grateful to the Minister for engaging with the issues and for responding so positively to some of the ideas that underlie the amendment. This is an issue that we will need to come back to, but I take the point that the level of detail in the amendment and the impact it may have may not be appropriate at this time, in terms of our understanding of and knowledge about where we are trying to get to.
As the Minister said, there may be opportunities to discuss the way this might be taken forward, including the possibility of the data ethics group. Should the Bill be amended in that way, that would be a base on which this could come forward.
Having said that, this was clearly a probing amendment and I was not expecting a detailed response. The noble Lord was careful to make sure that we were aware of the problems concerning some of the issues, but I put it to him that the technology we are already experiencing—and there is a lot more to come—allows those who have our data to almost magically know things about us, which results in us getting birthday greetings, targeted adverts and everything else. They are already on to us on this, and I do not think we need to worry too much about the burden that might be placed on these poor companies. But I take the point and beg leave to withdraw the amendment.
Amendment 71A withdrawn.
Clause 12: Obligations of credit reference agencies
Debate on whether Clause 12 should stand part of the Bill.