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I am pleased that the Opposition find the timetable appropriate, and I welcome the comments about not going over old ground in too much detail. I shall try to answer in Committee and, ultimately, on Report the charge of lack of clarity.
We must be careful about seeing the Bill in isolation from the other things that are taking place around consumer credit, consumer and financial education and indebtedness. Hon. Members may be aware of the indebtedness strategy that the Government announced last year. We are also trying to do many other things to co-ordinate a response, particularly to those people who find themselves in hardship.
The issue of data sharing to ensure that there is some movement is close to my heart, so I shall be pushing it during discussions on the Bill and elsewhere.