Post-16 Financial Education

Lord Sandhurst Excerpts

Thursday 12th June 2025 Lords Chamber

[Baroness Smith of Malvern (Lab)]

I also recognise the contribution that Young Enterprise plays, having been both a participant in it as a student and an organiser of it as a teacher of economics and business studies. I know that it does enormously important work, as do others, in supporting children, young people and adults in understanding financial education. We could possibly look to the Money and Pensions Service, which is under the auspices of the DWP and set out in January 2020 a 10-year framework to help UK citizens make the most of their money and pensions, with a focus on financial education for young people. With respect to the dormant assets scheme, which the noble Baroness mentioned, the Department for Culture, Media and Sport confirmed earlier this year that there will continue to be funding from dormant assets for precisely the point that the noble Baroness makes, which is to challenge financial inclusion and support financial education.

[Lord Sandhurst (Con)]

My Lords, the Social Market Foundation reported last year—and this is very serious—that two in five young people, or 40%, are financially illiterate after they have been through school, so education in this field needs to start early. In the devolved nations, financial education is taught in primary schools. When will the Government start this in English primary schools? If they will not, why not?

[Baroness Smith of Malvern (Lab)]

All primary schools in England teach many of the skills that are important for financial education as part of the maths curriculum. They also have non-statutory but important programmes of study for citizenship. Of course, from the age of 11, all students have compulsory financial education as part of their national curriculum entitlement to citizenship.

Russell Group Universities: Foreign Student Admissions

Lord Sandhurst Excerpts

Thursday 1st February 2024 Lords Chamber

[Baroness Warwick of Undercliffe (Lab)]

My Lords—

[Lord Sandhurst (Con)]

My Lords—

[Baroness Williams of Trafford (Con)]

My Lords, we will hear from the noble Baroness, Lady Fox, and then the noble Baroness, Lady Warwick.

Schools: Financial Education

Lord Sandhurst Excerpts

Wednesday 31st January 2024 Lords Chamber

[Lord Sandhurst (Con)]

My Lords, I am grateful to my noble friend for introducing this short debate and doing it so well. I have five points to make in the short time I am allowed.

First, as we have heard, the 2023 MaPS survey showed that children’s attitudes to money have developed by the age of seven. To encourage good habits and discourage bad ones, they need education young. As the noble Lord said, it should start in primary school.

Secondly, financial education is supposed to be part of the secondary school curriculum. The 2023 survey by Comparethemarket and others reported that only 40% of young adult respondents were considered financially literate, while 61% of young adult respondents did not recall receiving financial education at school. Some of them probably did but obviously it was not adequate.

That is not surprising; I come to my third point. It is estimated that 11 to 18 year-olds need at least 30 hours of financial education in a school year to become financially literate. However, in fact, those who do receive such education—somewhere around 50% or 60%—get about 48 minutes a month. I calculate that to be around nine hours a year—well short of the 30 hours necessary. It is too little to too few.

Fourthly, we now know that schools have a vital role from early in life. Financial education is part of the curriculum but the evidence is that two in five teachers are not even aware that it is a required part. It has been found that, of those who are aware, more than half find it challenging to teach. Perhaps that is not surprising because it is not part of their training.

Fifthly, and lastly, we must train teachers and embed this in their continuing professional development. We must ensure that it is taught across all schools and at all ages. The more disadvantaged the child, the greater the need; they will not learn it from their parents. The duty to provide financial education should therefore be put on a statutory basis and include primary schools.

Schools: Safeguarding

Lord Sandhurst Excerpts

Thursday 7th December 2023 Lords Chamber

[Lord Sandhurst (Con)]

My Lords, I thank the noble Baroness for obtaining this important debate. My focus today is on sport. I speak as a father and grandfather of girls and boys who are and have been active in sport. In making this speech, I am grateful for the great help I have received from the charity Women in Sport.

Sport develops important fundamental movement skills. It shapes attitudes towards physical activity. Sporting activity is essential if we are to turn our children into adults with healthy lifestyles. Today, we too often fail in this. We must do better or we will have a lot of fat, unhealthy adults. To effect this, we must start at primary school level. There, teachers and coaches must recognise that there are important differences, even at that age, between the sexes.

Even before puberty, the evidence is plain that boys have a physical advantage. Innate testosterone gives speed, strength and stamina. Young boys will generally—not always but generally—be slightly faster and stronger than girls, and that applies throughout the primary school age bracket. To avoid demotivating girls, primary schools must recognise and act on this, giving girls the chance to compete against other little girls. At secondary level, the biological impacts of puberty really kick in. Boys grow much taller, stronger and with greater cardiovascular capacity than their female classmates. For girls, the physical changes of puberty often create embarrassment and awkwardness; periods become a barrier to being active.

As if that were not enough, in mixed sport, girls simply lose the chance to win, to build self-esteem and even to have safe sport. Teenage mixed sport damages confidence and, worse, risks physical health. To safeguard girls, they must be offered proper female sporting opportunities. Differences in sporting performance and in strength between boys and girls mean that girls will not win races if they do not have their own. In team sports—football, hockey, rugby, cricket—it becomes a safety issue. In secondary schools, girls must not have to share their changing rooms with boys, including, if necessary, trans-identifying boys. Teenage girls must have privacy.

It is a stated aim of all the sports councils funded via DCMS to try to get more girls active and to keep them active. Mixed-sex sport in schools undermines that goal. The ChildWise Monitor Report of August 2022 found a significant gender gap in access to sports. For example, only 33% of girls aged 11 to 16 said they play football in school, compared to 63% of boys. Single-sex sport is fundamental to fairness, to safety and to participation. Mixed-sex sport can have an adverse impact on girls, even in primary schools.

Let me quote one or two examples of what parents with primary school children have said:

“On sports day, all our races were mixed. No little girls won anything”.


“My daughter said, ‘what’s the point?’”


Olympic swimmer Sharron Davies MBE says she gets messages all the time from parents and coaches who are afraid to say anything publicly about this. School sports days are being made co-ed because they do not want the hassle of dealing with the trans issue.

I repeat that girls-only sports sessions are fundamentally important because they encourage participation. Those in authority in schools really must take this seriously and act to protect and encourage our girls. Effective safeguarding in schools includes and must include sport. This means recognising the physical differences of the two sexes and giving practical effect to what is needed.

Life Skills and Citizenship

Lord Sandhurst Excerpts

Thursday 7th September 2023 Lords Chamber

[Lord Sandhurst (Con)]

My Lords, I too thank the noble Baroness for obtaining this debate and for her excellent introduction. My focus is on the vital life skill of financial awareness and the need to include financial education in primary schools. Children nowadays do not handle cash every day and learn to budget, as some of us here did in the past. As adults, they will have to manage rent, mortgages and household bills. They must be equipped for this, but the evidence is that too many school leavers are not. Children do not see cash going out of their physical pockets. In a cash economy, no cash means you cannot spend. But cash is no more.

As a child, I knew if I had the pennies to buy sweets. It was easy. A seven year-old faced with a bank or card statement has a much harder task. Children must therefore be taught. Skills must be embedded young. To manage money and to budget is a vital life skill. Without the skill, debt and disaster follow. We know that gambling is a growing problem among the young as well as adults. As the Centre for Social Justice has explained, money habits and behaviours that will stick for life are formed by the age of seven, but two-thirds of primary schoolchildren receive no formal financial education. While financial education is now taught in secondary schools, since 2014, teachers say that too many children leave without an adequate grasp of finance, so it must start before then, in primary schools. We must act now and incorporate financial education in primary schools. I ask the Minister: if not, why not?

Universities: Impact of Industrial Action on Students

Lord Sandhurst Excerpts

Thursday 16th March 2023 Lords Chamber

[Baroness Barran (Con)]

The Government absolutely accept responsibility for those areas where they are responsible, but I think there would be a lot of resistance in your Lordships’ House if they moved to reduce the autonomy of universities.

[Lord Sandhurst (Con)]

My Lords, I presume that the universities are not paying the lecturers on the days when they are on strike. Could those monies be used by way of restitution to the students? Might the Office for Students recommend that course, so that students could start issuing proceedings in the small claims court on a pro rata basis?

[Baroness Barran (Con)]

I am very happy to take back my noble friend’s recommendation to the Office for Students.

Schools: Transgender Guidance

Lord Sandhurst Excerpts

Wednesday 25th January 2023 Lords Chamber

[Baroness Barran (Con)]

By my calculations, it has been only a year and a bit since 2021. More seriously, I say that one of the important elements in our considerations is the work that Dr Cass is doing in her review. Her interim report did not touch on the implications of these issues in relation to education, but we want to draw on important resources such as her work.

[Lord Sandhurst (Con)]

My Lords, on 5 July last year, the Minister wrote to me saying:

“We are in absolute agreement over the principle that parents should know what their children are being taught, especially in relation to sensitive topics”.


That is an important matter and, in subsequent correspondence and meetings, I was told that a letter would be sent to all schools instructing them to show parents who asked for it the material from which their children were being taught, and not to assert commercial confidentiality or copyright issues. To date—unless it has happened today—no such letter has been written. When will it be sent?

[Baroness Barran (Con)]

I recognise my noble friend’s concerns on this point. The department remains absolutely committed to sending the letter. He will appreciate that, with various ministerial changes, we have to get sign-off from the current ministerial team. There is no block to the letter going, and it will be sent shortly.

Higher Education (Freedom of Speech) Bill

Lord Sandhurst Excerpts

Committee stage
Monday 14th November 2022 Lords Chamber

Another problem comes out of this discussion. It takes us back to the position of the regulators. Should the Office for Students be given powers to enforce the duties? This issue is not currently addressed, which gives rise to some serious problems. If a private claimant is not going to have the ability to bring a claim for damages—which is my preferred position—then somebody has to be responsible for ensuring that these duties are properly performed. The obvious person to do that is the regulator, but at the moment there is a huge hole in the Bill because that question is not addressed. I am sorry for having taken so much of your Lordships’ time.

[Lord Sandhurst (Con)]

My Lords, I speak to Amendments 49, 50 and 52, which are premised upon Clause 4 surviving—I start from there.

Amendment 49 would add some additional subsections to Clause 4. The effect of these would be to add employment tribunals to the definition of civil courts that can hear disputed issues. Proposed new subsection (5) would provide that, in addition, where there is a dismissal of an academic who is held to have been dismissed for exercising academic freedom, that will be automatically unfair, with the usual consequences.

Amendment 50 would introduce a procedure for staying claims so that, when one is brought, either party can apply for it to be stayed—particularly, one might think that the education provider would apply for it to be stayed—to go to mediation by the regulator in the way that employment tribunal proceedings are stayed to be mediated by ACAS.

Employment tribunals have these advantages: they are more informal, they are quicker and they are more accessible to those who wish to pursue a claim. Importantly, they operate within strict time limits. The sort of claims we are looking at here are claims for unfair dismissal or similar. In any event, they need disposing of without long delay; we do not want a six-year period in which someone can bring one of these claims. In the employment tribunal, by way of example, unfair dismissal claims must be brought within three months, less one day, of the effective date of termination. In a contract claim, it is three months from the date of breach. Although it is not in my amendment, it would follow, I would hope, that if the principle were adopted, the employment tribunal rules would be amended to ensure that similar provisions applied to such claims. In contrast, as I have already observed, a claim in tort has a six-year life before it is timed out.

The provision in Amendment 50 mirrors ACAS early conciliation and is similar also to provisions in Section 148 of the Pension Schemes Act 1993, under which either party can seek a stay to the Pensions Ombudsman. Whichever model we take—I leave it to the Government to consider the precise wording, but the idea is clear—there should be a reference to the Office for Students, so that the matter has every chance of being disposed of and resolved there by the regulator.

In short, these proposals would encourage settlement. They address many of the arguments raised against the statutory tort. It would certainly be simpler and quicker if it was dealt with in the employment tribunal, and there would therefore be the great benefit of dispatch. There is every hope that, using this combined process, a stay would be ordered and the case resolved swiftly, cheaply and sensibly. In other words, it would bring accessibility, speed and efficiency.

Finally, the introduction of proposed new subsection (5), in addition to the statutory tort, as I explained, would make it plain that where a member of academic staff has been dismissed and the tribunal hearing it finds that this has been for rightfully exercising his or her academic freedom, it should be deemed to be automatically unfair.

Amendment 52 would make a series of technical amendments to ensure that the rights apply effectively to the range of persons whom it is intended may avail themselves of the tort. It therefore removes the requirement for a two-year qualifying period for which employees would normally have to qualify to claim for unfair dismissal. It removes any cap on compensation and it provides for access to interim relief, in special cases, for re-engagement pending a final hearing—this is for dismissal cases. This would give an academic, or someone in an academic post who has not been there for two years but has been dismissed for exercising freedom, equivalent protection to that given to whistleblowers.

I conclude by saying that these amendments would provide strong protection of the sort I believe the Government are really aiming at. It would marry the OfS scheme to that which already exists in ordinary employment tribunal cases and would enable matters to be disposed of efficiently and economically.

--- Later in debate ---

[Lord Sandhurst (Con)]

My Lords, Amendment 60 follows on from what my noble friend Lord Willetts has said. We all seem to agree that we need a strong and effective regulator; that is absolutely at the bottom of this. My amendment makes absolutely clear the scope—or as lawyers say, the jurisdiction—of the regulator. It would prevent a subsequent challenge in court that the regulator did not have power to deal with this.

The amendment seeks to ensure that the OfS complaints scheme has a jurisdiction that is wider than the conventional ombudsman’s jurisdiction, which is simply to determine administrative fairness and reasonableness. It appears that the OfS complaints scheme is modelled closely on that of the Office of the Independent Adjudicator. That is pragmatic and sensible, and we know that scheme works. However, in two decisions—the case of Maxwell in 2011 and a decision in 2007—the Court of Appeal limited in an important respect the jurisdiction of the Office of the Independent Adjudicator and ruled that, acting as an ombudsman, it cannot adjudicate on legal rights and duties and that such matters are to be left to the courts.

We need an amendment to make it plain that the limitation the Court of Appeal introduced in the case of the OIA will not apply to the OfS. Otherwise, the director for freedom of speech and academic freedom will have very limited powers to address the substance of university free speech disputes, which will typically concern the right to free speech and this Bill’s statutory duties. This amendment would remove an unintended weakness and provide the regulator with the powers that I believe this House wishes it to have.

[Lord Triesman (Lab)]

My Lords, I rise to speak to my Amendment 62. I can help the Minister by saying that it is probably imperfect. That may save her a lot of time later, as she tries to dissect it to see how well it would or would not work. I have been doing my best to find something that might work, but I am painfully aware of its imperfections. Perhaps the best thing I can do is explain what I want it to achieve. I hope that the noble Lord, Lord Willetts, will not be upset by my saying that it follows his intentions as expressed in his amendment.

I am very grateful to the Minister, the noble Earl, Lord Howe, for saying that he will review Clause 4. A viable alternative, which is not unusual in other regulated bodies, is to say that every institution regulated by that body should be compelled to accept its rules. This is a body within higher education, in the same sense that the REF, other funding decisions and many other decisions have now been imported into the world of universities. Most of us would probably have preferred that they remain more independent, but I have accepted the argument that this is very difficult to sustain, given some of the things that have happened.

In this case, what I am trying to achieve is that every institution providing higher education be registered with a body and consequently accept its rules. As the noble Lord, Lord Johnson of Marylebone, said earlier, it was intended that the Office for Students be constructed to be authoritative and to provide appropriate guidance. However, it is not then for a university, a student union or anybody else who brings a complaint through this mechanism to say that they will not abide by the decision taken by an officer—they could be named almost anything—in the Office for Students with the responsibility for adjudicating these matters.

I am keen that it should be a named office. A great deal of knowledge will be developed around the culture of dealing with these things in a way that probably would not happen with successive judges in courts. It will develop a knowledge and be able to respond in a knowledgeable way, and within the overall culture. The determination of this officeholder would be binding on those who had submitted the complaint.

I recognise that it is very seldom the case that people will say that this should be a completely untrammelled power. Therefore, I have also tried to build in a means by which the decision can be looked at—in a way, like an appeal. But in either case, whether accepted at first hearing or having gone through a second hearing, it is the decision and the parties must abide by it. I recognise that this makes no allowance for financial penalties, and I have not written anything of that kind into the amendment. However, it might very well make decisions about how a university, individuals within it or people invited to take part in its affairs should conduct themselves and, if necessary, reinstate a debate which has been cancelled. There is a whole variety of things that it could do.

I want to create something of that kind because it will be authoritative, it will address a number of questions that the Bill is obviously intended to address, and it will be from within the culture of higher education, rather than imposed on it from somewhere else, which is never a good recipe in higher education. It is miles better if it is felt to be at least in some significant way part of the beast of higher education. There may be many better ways of formulating this, but that is the amendment’s aim. It does exactly what a number of noble Lords have said, which is to reinforce the regulatory system by making its determinations mandatory for all those who have joined the club of that regulatory system. No doubt it would in due course provide guidance. That would probably be very useful after the first cases have been heard and people have begun to ponder their import and what has been learned from them. It would probably provide good guidance. That is a structure which the best regulators achieve.

The old mechanism in the Cabinet Office to look at the validity of regulation specified a number of things. I will not go through them all, but it specified that the outcomes should be proportionate, intelligible, widely disseminated and understood more widely. We should expect all that as part of the outcome from proper regulation. Better regulation makes people feel they can live with a solution, rather than being ordered to do it in a court or some other place.

This amendment hangs together with the deliberations on Clause 4. I am ready to accept that it will need radical reworking. Helpful as the House of Lords officials have been in my trying to get there, I can see that somebody, including me, could pull bits of it to pieces.

Schools Bill [HL]

Lord Sandhurst Excerpts

Report stage & Lords Hansard - Part 1
Monday 18th July 2022 Lords Chamber

[Lord Knight of Weymouth (Lab)]

My Lords, I will briefly add to the chorus of approval for this amendment moved by the noble and right reverend Lord, Lord Harries. He talked about the problems attached to British values and how they have appeared to exclude some people. What he is trying to achieve is truly inclusive.

I add my voice in particular on sustainability. All of us in this and the other House have been circulated Sir Patrick Vallance’s briefing to MPs on the challenge of climate change. Looking at that, and at the scale and urgency of the challenge from those presenting, it was clear to me that what is missing is public behaviour change. I am absolutely convinced that the key to unlocking that lies in our schools and with our young people, as the demographic which is most enthusiastic about this and can reach into everyone’s home and start to shift our behaviours.

The education company Pearson recently published its School Report, which showed that 50% of school leaders want to teach this—a glass-half-full/glass-half-empty figure. We have had a strategy from the Government which said they wanted schools to do this. Only half of school leaders are planning to do so. We need to do more, including this.

[Lord Sandhurst (Con)]

My Lords, I will speak to Amendment 105, the purpose of which is to ensure that parents can discover what their children are being taught in school. They must have access, we say, to the materials deployed in class.

It arises because some commercial providers of materials in the sensitive field of RSE and health have tried to stop parents getting access to materials which they have provided for use in class. Requests to see material have been met with the assertion that it is protected and exempt from disclosure under the Freedom of Information Act by reason of commercial confidentiality. In other cases, copyright has been raised. In some instances, schools have simply refused point blank. That is what the amendment is aimed at.

The noble Lord, Lord Macdonald of River Glaven, who put his name to this amendment, regrets that he cannot speak because he is elsewhere on a prior engagement. On our side, we are grateful for the two meetings we have had with my noble friend the Minister and officials. They have been constructive; we have made progress and received an encouraging letter on Friday.

Schools: Financial Education

Lord Sandhurst Excerpts

Tuesday 12th July 2022 Lords Chamber

[Baroness Barran (Con)]

I was not aware of the point the noble Lord raises. More broadly, when you talk to young people, they say that a lot of their financial education comes from their parents and family, including their grandparents, so I agree with the sentiment that grandparents have an important role to play.

[Lord Sandhurst (Con)]

My Lords, the fraud Select Committee has heard that far too many scams succeed because of ignorance on the part of the recipient. The Centre for Social Justice report, to which we have already heard reference, has found that two-thirds of primary school children receive no financial education and, notwithstanding what we have heard from my noble friend, that too many school leavers have no adequate financial education. What is going to be done going forward?

[Baroness Barran (Con)]

The Government share my noble friend’s concern. To be clear, in the primary citizenship curriculum pupils learn about where money comes from, how it can be used for different purposes and how to save for the future. In secondary school pupils learn about the importance and practice of budgeting, income and expenditure, insurance, savings, pensions and financial products. I think these are many of the things to which my noble friend referred.