Financial Inclusion

Debate between Matt Turmaine and Martin Rhodes

Wednesday 22nd October 2025 Westminster Hall

[Martin Rhodes]

I agree that we need to look right across the board at the different ways in which people are excluded from financial services, including people living in smaller villages and towns. I also agree about the importance of credit unions to financial inclusion.

It has been reported that 41,500 people in Glasgow North are in financially vulnerable circumstances. That is 44% of the adult population, which is far higher than the national average of 38%. With financial exclusion increasing, the Government must take steps to mainstream inclusive policies and practices in our financial system, which is why I support the Government’s appointment of the Financial Inclusion Committee and the soon-to-be-published financial inclusion strategy.

[Matt Turmaine (Watford) (Lab)]

I congratulate my hon. Friend on securing this important debate. Does he agree that the publication of the Government’s financial inclusion strategy is welcome, given the urgency of the circumstances that many people face? For example, 37,000 people are affected in my constituency of Watford, and we are higher than the national average in three major metrics of need for this vulnerability.

[Martin Rhodes]

I agree that the financial inclusion strategy is a very welcome step in developing, co-ordinating and implementing interventions to support financial inclusion in the UK.

Subsequent policy decisions stemming from the strategy will have to work for a broad range of groups in society. Many face financial exclusion for different reasons, including older people, disabled people and young people.

Absent Voting (Elections in Scotland and Wales) Bill

Debate between Matt Turmaine and Martin Rhodes

2nd reading
Friday 17th January 2025 Commons Chamber

[Martin Rhodes]

I absolutely agree, and it is important that we look to increase the ways in which people can access the voting system, because for many, digital is the usual way to apply for services, whether private or public. That is what they expect and their default. Similarly, there are groups of people for whom applying on paper, in writing and so on is their normal way of interacting with a whole range of services, whether private or public. It is important that all people find a way that they are comfortable with to access the electoral system.

[Matt Turmaine (Watford) (Lab)]

We all agree that we need better systems and support for ensuring increased participation in democratic processes and elections. Does my hon. Friend agree that the Bill makes participation in elections more effective and easier, and makes the application process more reliable, which has the potential to drive up turnout at elections and improve our democracy?

[Martin Rhodes]

I agree with my hon. Friend—I am not used to agreeing with so many people. It seems unusual, but I will carry on. My hon. Friend makes an important point, and if we can increase participation by looking at the processes in place, we should welcome that. It is important to look at all the systems.

However, simply changing the systems and processes for accessing the voting system will not in itself reduce disengagement with the political process. There are bigger and wider issues than just the form of application, so while I very much welcome the Bill as a means by which we can help people to access the political process, we all need to think about how to engage people across our countries of the United Kingdom with it.

To conclude, the challenge we face across this House is finding new, more effective ways of engaging people and allowing them to fully participate in decision-making. I welcome this Bill as one small, but useful and effective, way in which we can achieve that.