First elected: 1st May 1997
Speeches made during Parliamentary debates are recorded in Hansard. For ease of browsing we have grouped debates into individual, departmental and legislative categories.
e-Petitions are administered by Parliament and allow members of the public to express support for a particular issue.
If an e-petition reaches 10,000 signatures the Government will issue a written response.
If an e-petition reaches 100,000 signatures the petition becomes eligible for a Parliamentary debate (usually Monday 4.30pm in Westminster Hall).
Keep 5-year ILR terms to Hong Kong British National (Overseas) visas
Sign this petition Gov Responded - 11 Jul 2025 Debated on - 8 Sep 2025 View Gareth Thomas's petition debate contributionsWe urge the Government to exempt BN(O) visa for Hongkongers from the proposed immigration reforms. We think the current ILR terms must remain unchanged:
1. Five years of UK residency
2. B1 level English proficiency
3. Passing the Life in the UK Test
Keep the 5-Year ILR pathway for existing Skilled Worker visa holders
Gov Responded - 17 Jun 2025 Debated on - 8 Sep 2025 View Gareth Thomas's petition debate contributionsDo not apply the proposed 10-year ILR rule to existing Skilled Worker visa holders. Keep the 5-year ILR route for those already in the UK on this visa. Apply any changes only to new applicants from the date of implementation.
These initiatives were driven by Gareth Thomas, and are more likely to reflect personal policy preferences.
MPs who are act as Ministers or Shadow Ministers are generally restricted from performing Commons initiatives other than Urgent Questions.
Gareth Thomas has not been granted any Urgent Questions
Gareth Thomas has not been granted any Adjournment Debates
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to provide that any Withdrawal Agreement between the United Kingdom and the European Union shall not have effect without a vote by the electorate of the United Kingdom and Gibraltar to that effect; to make arrangements for the holding of such a public vote; and for connected purposes.
A Bill to require local authorities to adopt public amenities in certain circumstances where specified minimum standards are met; and for connected purposes.
A Bill to enable co-operatives to issue permanent shares; and for connected purposes.
A Bill to establish a presumption in public sector procurement in favour of purchasing goods and services from businesses based in the UK; to require the Secretary of State to publish data on the value of Government contracts awarded to such businesses, and estimates of jobs created as a result, by region and nation; to make provision for a kitemark scheme for goods of predominantly UK origin; and for connected purposes.
A Bill to transfer the ownership of the Royal Bank of Scotland to its customers and employees; and for connected purposes.
A Bill to require the Secretary of State to make provision for extending the autonomy of the government of London, in particular in relation to duties and powers for the Greater London Authority (GLA) in respect of income tax, property tax and valuation, other fiscal matters, economic management including a London minimum wage and its enforcement, housing policy and planning, the regulation of rents chargeable within the private residential housing sector and skills and employment training; the devolution of responsibilities for health and the NHS in London to the GLA and appropriate London authorities; the Secretary of State to consult the Mayor about decisions on justice and education expenditure, administration and policy as they relate to London and mandatory membership for the Mayor or his representative of the boards of certain public bodies with responsibilities affecting London; to require proposals for extending the autonomy of the government of London to be approved by the residents of Greater London in a referendum before they may come into force; to make provision for such a referendum; and for connected purposes.
A Bill to make provision about the entitlement of employees to benefit from profits made by their employers in certain circumstances; to require a company to allocate one seat on its board to an employee representative; and for connected purposes.
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to provide for the establishment of a credit union for members of the armed forces and family members who live in the same household; and for connected purposes.
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to amend section 157 of the Housing Act 1985 to extend the use of local occupancy clauses to certain urban areas with the permission of the Secretary of State; to increase the qualifying period of local occupancy clauses from three years to either five or ten years; to place a duty on the Homes and Communities Agency and local authorities with housing and planning responsibilities to promote co-operative and mutual housing options and report annually in this regard; to require the Homes and Communities Agency, local authorities and the Land Registry to identify land available for housing development which has not been developed and to publish a report on the available options for development of housing on such land; and for connected purposes.
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to require new energy generation companies to offer a proportion of shares for purchase by residents in local communities; to provide that residents in local communities have the right to invest in ownership of local electricity distribution grids; to establish an agency called Community Power Direct to advise local communities on matters relating to energy generation; to require local planning authorities to consult Community Power Direct when considering planning applications involving energy generation; and for connected purposes.
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to require firms offering regulated private pensions services to exercise a fiduciary duty of care to consumers and other users of financial services, to exercise due diligence when making decisions on behalf of consumers, to provide clear information to consumers on all charges and costs paid by the consumer or the pension fund on the consumer’s behalf and to disclose any conflict of interest and potential conflict of interest including commercial relationships that might result in or be perceived to result in financial detriment to consumers or undermine the integrity of financial markets; to make provision for disclosure by postcode of the location of investors in private pension funds; to make provision for an Annual General Meeting for each private pension fund; and for connected purposes.
The Bill failed to complete its passage through Parliament before the end of the session. This means the Bill will make no further progress. A Bill to make provision for the establishment of a Royal Commission to consider the future challenges facing London in housing, transport, the environment, population, equality, the City and the wider economy, and such other matters as the Royal Commission considers appropriate; and for connected purposes
Co-operative and Community Benefit Societies (Environmentally Sustainable Investment) Bill 2019-21
Sponsor - Anna McMorrin (Lab)
Parental Leave and Pay Arrangements (Publication) Bill 2017-19
Sponsor - Jo Swinson (LD)
Leasehold Reform Bill 2017-19
Sponsor - Justin Madders (Lab)
Service Animals (Offences) Bill 2017-19
Sponsor - Oliver Heald (Con)
The information requested falls under the remit of the UK Statistics Authority.
A response to the Hon gentleman’s Parliamentary Question of 10th October is attached.
The information requested falls under the remit of the UK Statistics Authority.
A response to the Hon gentleman’s Parliamentary Question of 10th October is attached.
Where the British Business Bank receives complaints about lenders' actions on debt recovery, cost of lending and fees charged by lenders, these are referred to the relevant lender. While all complaints are logged, the current system does not include a specific category for debt-recovery-related issues. No fees were charged under the COVID-19 loan schemes, and there are no fees for Start Up Loans other than interest payments.
DBT is continually assessing benefits of opportunities to improve recognition of professional qualifications with the EU. Improvements would reduce market access barriers, address skills gaps, and promote growth.
The UK Government is committed to improving recognition of professional qualifications with the EU. At the 2025 UK-EU Summit we agreed to establish dedicated dialogues with the Commission on the relevant provisions in the Trade and Cooperation Agreement. HMG is encouraging and supporting UK regulators to work with their EU counterparts, including through guidance and targeted funding.
The Department for Business and Trade has commissioned research on the alternatives to commercial lending in the SME Business Market. The research, undertaken by the National Institute of Economic and Social Research, intends to study the characteristics of debt finance and lending markets within and outside the UK to identify market failures in the UK system and potential changes that could support businesses, especially SMEs.
Pay As You Grow (PAYG) was introduced to give businesses that borrowed under the Bounce Back Loan Scheme (BBLS) greater flexibility, including extended repayment terms and short-term interest only payments. The Department’s multi-year published evaluation of the Covid-19 Loan Guarantee Schemes indicated that closure rates among BBLS borrowers using PAYG were relatively low compared to others, suggesting PAYG may have had an important role in ensuring the survival of some businesses. The department has not conducted a sector specific assessment in relation to PAYG impact.
The British Business Bank is backing Community Development Finance Institutions (CDFIs) with £150 million of capital through the Community ENABLE Funding programme, to support small businesses that are under-served by commercial lenders.
Credit unions play a valuable role in providing both loans and savings, with 2.2 million members across the UK. Unlike CDFIs, which are not authorised to offer bank accounts, credit unions are able to attract customer deposits and are not reliant on wholesale finance. For this reason, the British Business Bank has no current plans to support credit unions to offer loans to small businesses.
I have not had discussions with the International Olympic Committee (IOC) about the inclusion of netball, or any other sport, in the Olympic Games.
The Olympic sports programme is determined by the IOC. The British Olympic Association, as the National Organising Committee for Great Britain and Northern Ireland, is the domestic representative to the IOC and does so operating independently of the Government.
We know that the 16 to 19 population has been increasing in some parts of England and that extra capacity has been needed in post-16 places in some areas.
The post-16 Capacity Fund has already invested £282 million between 2021 to 2025 for additional capacity and we will be investing a further £375 million between 2026/27 and 2029/30 to provide additional places.
We will make announcements in due course and provide further information about the delivery of the £375 million capital funding secured for the post-16 sector.
A high quality citizenship education helps to provide pupils with the knowledge, skills and understanding to prepare them to play a full and active part in society. The citizenship curriculum is compulsory within the national curriculum at secondary and primary schools can choose to teach citizenship at key stages 1 and 2, following the non-statutory framework for citizenship.
Pupils should be taught about the roles played by public institutions and voluntary groups in society, which could include co-operatives, and the ways in which citizens work together to improve their communities.
The independent Curriculum and Assessment Review is seeking to deliver a curriculum that ensures children and young people leave compulsory education ready for life and work, building the knowledge, skills and attributes young people need to thrive. The Review’s final report and recommendations will be published shortly with the government’s response.
Defra and the European Commission regularly exchange information in relation to (a) the management of foot and mouth disease outbreaks in the European Union in 2025 and (b) the import restrictions on meat and dairy products that we put in place to protect UK farmers. This information includes details of surveillance, testing, movements of animals and goods, and other outbreak controls.
The Government strongly supports the benefits co-operatives can bring and recognises the important role they play in rural communities. For instance, through collaborating farmers and growers can benefit from peer to peer learning, being able to share equipment and being able to act at scale.
Customers who receive the enhanced rate mobility component of the Personal Independence Payment (PIP) and whose vehicles are already licensed in the disabled taxation class can renew their vehicle excise duty (VED) exemption online.
Those customers who receive the standard rate mobility component of PIP, which entitles them to a 50 per cent reduction in the rate of VED payable, must send their application to the Driver and Vehicle Licensing Agency (DVLA).
Facilitating online applications by disabled customers to claim reduced rates of VED requires the electronic exchange of data held by the Department for Work and Pensions (DWP) with the DVLA. Officials are considering how to improve the ability for customers in receipt of PIP to transact with the DVLA.
Local employers across the National Health Service are best placed to understand their staff’s needs and circumstances. NHS staff have access to a range of support for financial wellbeing including credit union membership, savings schemes, and access to discount schemes such as the ‘Blue Light Card’.
NHS Employers has also published guidance for employers on salary sacrifice arrangements and tax-free childcare, which is available at the following link:
https://www.nhsemployers.org/articles/salary-sacrifice-schemes
NHS England publishes data for the three cancer waiting time standards monthly, and this data can be broken down to a provider level, with further information available at the following link:
https://www.england.nhs.uk/statistics/statistical-work-areas/cancer-waiting-times/
Since July 2025, NHS England has published Faster Diagnosis Standard data broken down by those who were diagnosed with cancer and those who had cancer ruled out. However, this data is not publicly available at a provider level.
The data is not available in the format requested. NHS England does not publish data on patients seen within one or two hours. The only data available is for patients seen within four hours.
The information requested for London North West University Hospital is only collected at trust level. There is currently no publicly available data at site level. The following table shows the four-hour performance in each quarter since 2022/23 for the London North West University Healthcare NHS Trust:
Quarters | Percentage of total accident and emergency attendances admitted, transferred, or discharged within four hours | Patient attendances over four hours |
Quarter 1 of 2022/23 | 73.4% | 64,288 |
Quarter 2 of 2022/23 | 69.0% | 46,653 |
Quarter 3 of 2022/23 | 65.7% | 59,585 |
Quarter 4 of 2022/23 | 73.4% | 56,395 |
Quarter 1 of 2023/24 | 76.5% | 60,390 |
Quarter 2 of 2023/24 | 71.9% | 55,810 |
Quarter 3 of 2023/24 | 70.9% | 57,973 |
Quarter 4 of 2023/24 | 76.1% | 64,384 |
Quarter 1 of 2024/25 | 75.3% | 64,571 |
Quarter 2 of 2024/25 | 77.4% | 62,920 |
Quarter 3 of 2024/25 | 71.8% | 62,321 |
Quarter 4 of 2024/25 | 75.2% | 63,637 |
Quarter 1 of 2025/26 | 76.9% | 67,024 |
Quarter 2 of 2025/26 | 76.5% | 66,344 |
Source: Hospital Accident and Emergency Activity, available at the following link:
https://digital.nhs.uk/data-and-information/publications/statistical/hospital-accident--emergency-activity
The National Disease Registration Service is the cancer registry for England, and is available at the following link:
Data can be broken down by stage as well as by geographical location. However, data is not available by local authority. Currently, data is available up to 2022.
The Government is committed to delivering a National Health Service that is fit for the future, and we recognise that delivering high quality NHS healthcare requires the right infrastructure in the right places.
That is why, over the course of our 10-Year Health Plan, we aim to establish a Neighbourhood Health Centre in every community, transforming healthcare access by bringing historically hospital-based services into communities and addressing wider determinants of health through services like debt advice, employment support, and obesity management programmes.
We recently announced the places that will form wave 1 of the National Neighbourhood Health Implementation Programme (NNHIP), after a rigorous assessment of applications against the core criteria. The first wave of the NNHIP covers 43 sites across England, from Cornwall and the Isles of Scilly in the south-west to Sunderland in the north-east, ensuring that communities nationwide benefit from this new model of care.
Integrated care boards (ICBs) are responsible for commissioning, planning, securing, and monitoring general practice services within their health systems through delegated responsibility from NHS England. Both ICBs and local health systems will be responsible for determining the most appropriate locations for Neighbourhood Health Centres.
Nationwide coverage will take time, but we are starting in the areas of greatest need where healthy life expectancy is lowest, including rural towns and communities with higher deprivation levels, using public capital to update and refurbish existing, under-used buildings.
Monthly referral to treatment waiting times data has been published by NHS England since March 2007. The requested data for June 2004 is therefore unavailable. As of the end of June 2025, there were 38,284 pathways over 18 weeks at London North West University Healthcare NHS Trust. This data is available at the following link:
The standard that 92% of patients should wait no longer than 18-weeks from referral to treatment came into effect in April 2012. Prior to this, national standards related to admitted or non-admitted completed pathways only. From 2015, trusts have solely been assessed on performance against the standard that 92% of patients wait no longer than 18-weeks from referral to treatment. Any data comparisons across these periods should therefore be treated with caution.
In Fit for the Future: 10 Year Health Plan for England, the Government has committed to tackling harmful levels of alcohol consumption by exploring options to encourage consumers to reduce their alcohol intake by substituting standard strength drinks with no- and low-alcohol (NoLo) alternatives.
One of the first steps to support further growth of the NoLo sector, and potentially increase the range of NoLo products, will be to explore raising the upper alcohol limit for drinks labelled as alcohol-free to 0.5% alcohol by volume (ABV) from 0.05% ABV, whilst providing clarity to consumers and producers. At the same time, we will explore measures to regulate access to NoLo products in line with other alcoholic beverages, including prohibiting sales to individuals under the age of 18 years old.
Alongside the plan, a large, multi-year National Institute for Health and Care Research study is underway to examine the public health impacts of NoLo products, and we look forward to the findings of that study being available in the coming year.
As outlined in the 10-Year Health Plan, our ambition is that by 2035 all provider trusts will be foundation trusts, using their freedoms to work with others and improve population health.
Integrated care boards have a duty to provide health services to meet the needs of their population and already work closely with the voluntary, community, and social enterprise (VCSE) sector, which includes the commissioning and delivery of services and, in some cases, by appointing representatives from the VCSE sector to their boards.
Charities, co-operatives, social enterprises and mutuals have always been part of the National Health Service and social care. Today, social enterprises provide services for approximately two thirds of the United Kingdom population, delivering more than £2.5 billion of NHS care each year. This includes services such as community care, primary and urgent care, out-of-hours services, mental health support, drug and alcohol rehabilitation centres, end of life care, physiotherapy, audiology.
Social enterprises are often able to take a more agile approach and will continue to be critical to the success of the NHS and in delivery of the 10 Year Health Plan and supporting the three shifts.
London North West University Healthcare NHS Trust provides cancer services at Northwick Park, Central Middlesex, Ealing, and St Mark's Hospitals, with speciality cancer teams at each site. Performance data on cancer pathways is reported at trust level.
The trust demonstrated strong performance up to mid-2023, particularly for the Faster Diagnosis Standard, with 84.7% performance in July 2023 being 14.7 percentage points above the 75% standard, and the 31-day treatment standard, with 100% performance in July 2023 being four percentage points above the 96% standard.
From mid-202,3 data quality issues and a temporary reduction in activity following the implementation of Cerner, an electronic patient record system, plus capacity constraints, saw a decline in performance. Backlogs increased with the number of patients waiting over 104 days for treatment peaking significantly.
A recovery programme was implemented to reduce the backlog, using real-time data to drive action and accountability. Actions included increasing the trust’s capacity and workforce, with specialist nurses, radiographers, and consultants, plus extended hours and weekend clinics. Rapid triage and assessment pathways led to faster diagnosis, along with expanded one-stop clinics, especially for breast cancer and gynaecology, with more patients also being sent straight to test for lower gastrointestinal cancers.
By early 2025, the number of patients wating more than 104 days was close to zero, with a steady improvement seen in two-week waits and the Faster Diagnosis Standard. As the trust has started to stabilise its backlog, there has been significant improvement in the 62 day performance target with the trust continuing to be above the London target of 70%.
Latest waiting time performance from July 2025 has been promising, with the trust achieving 81.5% Faster Diagnosis Standard performance and 100% 31-day treatment performance. 62-day referral to first treatment performance was 83%, one of the best in the country.
Full cancer performance figures are published in the trust’s annual report, which is available at the following link:
I refer the Hon Member to the answer I provided on 15 October 2025 to Question 77510.
For Financial Year 25/26, UK Government development funding for Pakistan is £103 million, and for Nepal it is £47 million. We are currently in the process of allocating budgets for 2026 onwards. The Minister for Development will inform Parliament in the usual manner when these budgets are confirmed.
The Foreign, Commonwealth and Development Office (FCDO) assesses the effectiveness, value for money, performance and relevance of UK funding to multilateral organisations including the United Nations Development Programme (UNDP) and the Joint United Nations Programme on HIV/AIDS (UNAIDS), through annual reviews and continuously encouraging effectiveness in delivery and reform where necessary. The FCDO scrutinises UN budget proposals to ensure activities are effective and in line with UK priorities.
For the 2025/26 peacekeeping fiscal year (July to June), the UK's mandatory contribution to the United Nations (UN) Peacekeeping Budget will be $245 million (4.7454 per cent) of a budget of $5.16 billion. Further funding will be required for the 2025/26 UK fiscal year following the Security Council's decision in September 2025 to establish a UN Support Office in Haiti, but the cost is yet to be confirmed. In addition, two UN Peacekeeping Operations are funded from the UN Regular Budget; the UN Military Observer Group for India and Pakistan (UNMOGIP) and the UN Truce Supervision Organisation (UNTSO). Their respective budgets for the 2025 UN Regular Budget fiscal year (January to December) are approximately $9.680 million and approximately $41.4 million. The UK's contribution to the UN Regular Budget is 3.991 per cent. UN peacekeeping budgets are negotiated from May to June so figures for the UK's contribution in 2026/2027 will be available once budgets are confirmed. The UK has forecast for the entirety of the UN Regular Budget for 2026, so it is difficult to provide individual figures for both UNMOGIP and UNTSO budgets until they are agreed.
The UK is proud to be co-hosting the Global Fund's Eighth Replenishment with South Africa and looks forward to working with an expanded range of partners to help end AIDS, Tuberculosis and Malaria for good.
The Foreign, Commonwealth and Development Office is working with South Africa and the Global Fund on a range of international engagements and events to help generate international support for the Replenishment. For example, Heads of Mission have recently hosted events in support of the Global Fund at our High Commission in Canberra, our Embassy in Addis Ababa and our High Commission in Pretoria, in addition to bilateral discussions in other key countries.
The UK regularly raises our concerns about Palestinian children in detention with the Israeli authorities. We are clear that children must always be protected, and their rights upheld in accordance with international law. We are horrified by reports of mistreatment or abuse of Palestinian children in detention and call on the Israeli authorities to investigate these urgently and to ensure any perpetrators are held to account. Children must only be detained in line with internationally agreed juvenile justice standards or other applicable international law, and we call for an end to the military detention of Palestinian children where this is incompatible with those principles. We continue to call on Israel to immediately facilitate urgent, unhindered access to all child detainees from the West Bank and Gaza to persons providing legal assistance, the International Committee of the Red Cross (ICRC) and appropriate experts for the purposes of monitoring and reporting.
The UK and Nepal share a deep historic relationship. We were appalled at the violence that transpired in Kathmandu and across Nepal following protests that were triggered by the Government of Nepal banning a number of social media platforms, as well as public frustrations about levels of corruption and nepotism. The UK supports fundamental freedoms and respect for human rights in Nepal and elsewhere, including the right to protest and peaceful assembly. The Foreign, Commonwealth & Development Office (FCDO) made public statements condemning the violence and calling for accountability and peaceful dialogue.
On 12 September, our Embassy in Nepal welcomed the appointment of Rt Hon Sushila Karki's as interim Prime Minister. As Nepal's oldest friend, we recognise the challenges ahead and affirm our commitment to support Nepali aspirations for accountability and inclusive governance.
The UK is appalled by the extremely high number of fatalities, arrests and detentions of media workers in the State of Palestine. We have called on all parties to fully uphold International Humanitarian Law and ensure protection of civilians including journalists. In a recent joint statement with 28 other members of the Media Freedom Coalition, we called on the Israeli authorities and all other parties to make every effort to ensure that media workers in Gaza, Israel, the West Bank and East Jerusalem can conduct their work freely and safely. The statement also called for all attacks against media workers to be investigated and for those responsible to be prosecuted in compliance with national and international law. Earlier this year the UK provided funds to United Nations Educational, Scientific and Cultural Organization's (UNESCO) Special Fund for Gaza, supporting locally based journalists and providing vital equipment.
The UK has repeatedly made both public and private representations to Israel to ensure that humanitarian workers are protected and medical and aid workers can do their jobs safely.
At the UN, the UK has worked to enhance the safety of aid workers by co-sponsoring United Nations Security Council Resolution (UNSCR) 2730 on the Protection of Humanitarian Personnel in 2024. Working with our Australian counterparts, we developed the political Declaration for the Protection of Humanitarian Personnel which launched at the United Nations General Assembly (UNGA) on September 21 and secured endorsement from 105 states. We will continue our engagement to drive forward implementation.
I refer my honourable friend to the answers I provided on the topic of SME lending on 23 October.
Complaints are the remit of the Financial Ombudsman Service (FOS), which publishes regular data on complaint trends. In its latest quarterly report, it noted that complaints about unaffordable lending had halved, though this figure does not distinguish between household and business credit, and complaint patterns can fluctuate each quarter. Over the past five years, credit card complaints have consistently ranked among the top five issues, while business lending has generated relatively few FOS disputes compared to personal and household credit.
The Bank of England’s ‘Bankstats’ data tracks business and household credit, including average interest rates for SMEs. As of 31 August 2025, the average rate for new SME loans from UK banks is 6.35%, reflecting a decline in line with base rate reductions.
Government Ministers regularly meet with businesses and business representation organisations from a range of sectors, including the chemical sector. They remain open to further engagement with the sector including on ways to bolster growth, trade and investment.
I refer my honourable friend to the answers I provided on the topic of SME lending on 23 October, and more recently in relation to the rate of short-term lending to small and medium sized businesses in the UK.
Interest rates, including those offered by individual providers, are a commercial matter decided by the lender concerned, reflecting the base rate, the risk of the applicant, and a margin to make the loan commercially viable given the cost of underwriting and broader funding costs. The Government does not intervene in commercial decisions, and SMEs should should shop around to find the product that best suits their needs when choosing finance, which in turn helps drives competition, improves choice, and may support pricing.
More widely, case complaints are a matter for the Financial Ombudsman Service rather than the Government, where the Treasury receives correspondence across a wide variety of subjects including financial services. While we are not able to measure the number of complaints the department receives in relation to high-cost credit for business loans (or in relation to an individual provider), the volume of correspondence on the cost of credit in relation to business loans, is generally low.
I refer my honourable friend to the answers I provided on the topic of SME lending on 23 October, and more recently in relation to the rate of short-term lending to small and medium sized businesses in the UK.
Interest rates, including those offered by individual providers, are a commercial matter decided by the lender concerned, reflecting the base rate, the risk of the applicant, and a margin to make the loan commercially viable given the cost of underwriting and broader funding costs. The Government does not intervene in commercial decisions, and SMEs should should shop around to find the product that best suits their needs when choosing finance, which in turn helps drives competition, improves choice, and may support pricing.
More widely, case complaints are a matter for the Financial Ombudsman Service rather than the Government, where the Treasury receives correspondence across a wide variety of subjects including financial services. While we are not able to measure the number of complaints the department receives in relation to high-cost credit for business loans (or in relation to an individual provider), the volume of correspondence on the cost of credit in relation to business loans, is generally low.
Interest rates are a commercial matter decided by lenders, reflecting the base rate, the risk of the applicant, and a margin to make the loan commercially viable given the cost of underwriting and broader funding costs. Rates vary across the market and even significantly within the SME sector – dependent on the trading history, credit position, security, and other factors of the individual business applicant.
The UK also benefits from a broad lending market, enabling a diverse range of finance providers to facilitate access to finance for a wide range of SMEs. SMEs should shop around to find the product that best suits their needs when choosing finance.
The Bank of England’s ‘bankstats’ data provides insights into business and household credit, including the effective interest rates for SMEs on new and outstanding loans. The monthly average of UK resident banks’ sterling weighted loans for new advances to SMEs now stands at 6.35%, as of 31st August 2025, a figure that has tracked down as the base rate has fallen.
On 23 September 2025 Which? made a supercomplaint to the Financial Conduct Authority (FCA) that makes recommendations on relevant matters, including that the FCA and Government should review consumer protection legislation in insurance. The FCA and the Government are considering the issues raised. The FCA will respond to the supercomplaint in due course.
The Help to Save scheme supports financial resilience for working people on low incomes by encouraging consistent, long-term saving and helping them build a financial buffer to plan and prepare for the future.
In April 2025, the government widened the eligibility criteria for the Help to Save scheme to all Universal Credit claimants in work, rather than only those earning above a specified threshold. This expansion means around 550,000 additional people can benefit from the scheme, increasing the eligible population to approximately 3 million.
The government recognises that further groups may also benefit from Help to Save. Any future changes would need to be carefully assessed to ensure the scheme continues to be well targeted and deliverable.
The government has recently consulted on reforms to the delivery of Help to Save after 2027 and we continue to engage with a range of third-party financial institutions, including credit unions, as part of this process.
The Help to Save scheme supports financial resilience for working people on low incomes by encouraging consistent, long-term saving and helping them build a financial buffer to plan and prepare for the future.
In April 2025, the government widened the eligibility criteria for the Help to Save scheme to all Universal Credit claimants in work, rather than only those earning above a specified threshold. This expansion means around 550,000 additional people can benefit from the scheme, increasing the eligible population to approximately 3 million.
The government recognises that further groups may also benefit from Help to Save. Any future changes would need to be carefully assessed to ensure the scheme continues to be well targeted and deliverable.
The government has recently consulted on reforms to the delivery of Help to Save after 2027 and we continue to engage with a range of third-party financial institutions, including credit unions, as part of this process.
According to Section 11 of the Credit Unions Act 1979, credit unions are able to lend to other credit unions.
Credit unions are regulated by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) in a way that ensures the stability and soundness of the sector. The PRA and FCA are independent regulators and take decisions on the regulation of credit unions in line with their statutory objectives.
The government expects that insurers deliver good outcomes to consumers and firms are required to do so under Financial Conduct Authority (FCA) rules. These rules require firms to ensure their products offer fair value. This means the price paid by consumers must be reasonable compared to the benefits they receive. The FCA monitors firms and has robust powers to act against firms that breach its rules.
The government’s Financial Inclusion Strategy, published on 5 November 2025, recognises that insurance has an important part to play in financial resilience and wellbeing, and sets out a range of interventions to improve access. This includes a total signposting initiative which will help underserved consumers find insurance policies which meet their needs.
The government also plans to publish the final report of the cross-government Motor Insurance Taskforce in the autumn. As part of the taskforce’s work to understand how the cost of motor insurance impacts on particular groups of customers, the FCA is conducting statistical analysis to evaluate the impacts on different age groups and consumers living in areas with a higher proportion of minority ethnic residents. The FCA will publish its findings later this year.
The government expects that insurers deliver good outcomes to consumers and firms are required to do so under Financial Conduct Authority (FCA) rules. These rules require firms to ensure their products offer fair value. This means the price paid by consumers must be reasonable compared to the benefits they receive. The FCA monitors firms and has robust powers to act against firms that breach its rules.
The government’s Financial Inclusion Strategy, published on 5 November 2025, recognises that insurance has an important part to play in financial resilience and wellbeing, and sets out a range of interventions to improve access. This includes a total signposting initiative which will help underserved consumers find insurance policies which meet their needs.
The government also plans to publish the final report of the cross-government Motor Insurance Taskforce in the autumn. As part of the taskforce’s work to understand how the cost of motor insurance impacts on particular groups of customers, the FCA is conducting statistical analysis to evaluate the impacts on different age groups and consumers living in areas with a higher proportion of minority ethnic residents. The FCA will publish its findings later this year.
The Government has no plans to require banks to publish lending data by postcode or to identify neighbourhoods with the least and most lending. However, as I outlined in my answers to PQs 86597 (5 November) and 77972 (16 October), and as set out in the recently published Financial Inclusion Strategy, the Government is committed to ensuring that access to finance is available for individuals and businesses across the UK and to tackle barriers where these exist. The Strategy presents an ambitious programme of measures to improve access to credit, among them new funding for the credit union sector in England and a small sum lending pilot.
The Government recognises that credit, when provided responsibly, supports business growth, and can be crucial for people facing unexpected expenses or managing their cash flow.
The UK has a diverse landscape for credit provision to individuals and businesses, comprising traditional banks, challenger and specialist banks, and non-bank finance providers such as Community Development Finance Institutions (CDFIs). In 2024, CDFIs and social banks lent £96.7 million to 364 social enterprises, with 67% of this lending directed to the UK’s most disadvantaged areas.
The Government recently published its Financial Inclusion Strategy which sets out an ambitious programme of measures to improve financial inclusion and resilience for people across the UK. In recognition of the important role responsible credit can play for consumers, the strategy includes a focus on access to credit, among other priority issues, with the launch of new funding to support the credit union sector in England and a small sum lending pilot.
I refer the Honourable Member to the answer I gave on 28 October to PQ 84135.