Anti-Corruption Strategy: Illegal Wildlife Trade

Debate between Rupa Huq and Martin Whitfield

Wednesday 28th February 2018 Westminster Hall

[Dr Huq]

The hon. Gentleman, who is well known for his love of animals and has fought for many years on these issues and other environmental matters, makes a very valid point. I do not know in detail the document to which he refers, but it sounds as if a horrible loophole needs to be closed immediately, so I am grateful to him for drawing that to my attention.

I want to address the Government’s slightly lacklustre, “could do better” efforts to date at combating the illegal wildlife trade’s contribution to money laundering and organised crime. I have tabled written questions, as many hon. Members have—a lot of them are here today—and quite often the answer given is that the Government will be hosting a summit in London in October to address these matters, or they state sums of money that have been spent on this issue. To the layperson, a sum of money is a bit intangible. It is a figure; they cannot see what is actually happening. The October summit seems to be the answer to all our ills, but I have a series of questions for the end of my speech about specific things that I would like to happen.

As my co-chair of the APPG will know, the elephant in the room—ha-ha—on all this and on the anti-corruption strategy, which thankfully has now been published, is the slowness of the UK not just to encourage but to ensure that all our overseas territories adopt public registers of beneficial interest as soon as possible. I know that that issue is not quite within the Minister’s remit, but if she could pass it on to her colleagues, that would be great.

[Martin Whitfield (East Lothian) (Lab)]

I am grateful to my hon. Friend for securing this most important debate. Does she agree that as well as wildlife trafficking, which covers our fauna, there is also the question of flora? Illegal logging is going on. That causes huge economic and environmental damage to an area and, consequently, the flow of that illegal wood into the system causes disparities in economic value.

[Dr Huq]

I completely agree. Both flora and fauna are handled by the EU body that deals with these things, and there is a worry about whether, when we leave the EU, we will still be covered. My hon. Friend is absolutely right to say that the issue is not just cute, furry animals, scaly animals or whatever. Both fauna and flora are implicated in this vile trade.

The supply chains are complex. There are both poachers and traffickers. The ivory trade alone is estimated by the UN to be worth $62 million in east Asia, with approximately 75 tonnes of elephant ivory exported. It is not just, as one might imagine, one or two elephants being killed by rogue poachers. There is an industrial element to this organised crime—huge-scale shipments to foreign buyers at the other end. People get away with it because, in the words of Tom Cardamone in written testimony to the US Senate Committee on Foreign Relations, this is “Low Risks, High Profits”.

Banks and Communities

Debate between Rupa Huq and Martin Whitfield

Thursday 11th January 2018 Westminster Hall

[Martin Whitfield]

The question that the hon. Gentleman raises of the tick-box attitude towards the investigations that banks carry out is one of the fundamental problems with regard to all consultation. Is it genuine consultation, or is it an economic decision that has been taken somewhere and then just implemented, almost irrespective of the evidence that they find when the consultation takes place?

I am keen to hear remarks from the Minister about what the Government, who obviously represent the United Kingdom in that interface between banks and the consumer and constituents, are able to do to push back those bank closures and, more importantly, investigate and establish the bank’s view of the relationship between them and the communities that they serve.

Banking as an institution goes back many thousands of years. It began in the temples—other buildings that communities held sacrosanct and safe. Tensions between money and religion have run in parallel throughout the same period. I do not intend to investigate that, but I suggest it shows the close link between the trust that people put in the individual they give their money to, to look after, and religion. Looking forward through history, the banking sector developed with the European banking families, who established a way of transferring money across Europe and then the world. Then, the Bank of England was established in 1694 and, perhaps more importantly, the Bank of Scotland in 1695.

Deposit banking has been a part—a foundation—of our society from the very beginning. That relationship was not built on pure profit, but on trust; initially, trust of individuals who promised to take care of others’ money; promise and trust of families who looked after moneys, and then the institutions. Such trust has developed over time, reinforced by close contact. That trust moved and continued to deepen and develop as banks became the cornerstone of our high streets. What of that bond of trust today? What is the feeling of banks’ most important stakeholders—those community individuals? They still entrust their money, which is then used by the bank to do so many other business activities.

In 1998—20 years ago—there were more than 11,000 branches. Today, the most recent figures indicate that there are just 6,000 local branches. Bank closures have escalated rapidly, with just over 1,000 closures in the last two years.

[Dr Rupa Huq (Ealing Central and Acton) (Lab)]

My hon. Friend is making a very powerful speech. He talked about the shrinking number of banks in general; I am losing a NatWest apiece in Ealing and Acton. When high streets are hollowed out and they become ghost towns, small businesses have nowhere to deposit anymore. The elderly are on the wrong side of the digital divide and are disenfranchised. Who would he say are the winners? Not even the property developers are—in Acton, the HSBC has been empty since 2015. There are no winners in this at all. Does he agree?

[Martin Whitfield]

My hon. Friend raises a very interesting point about who the winners are in this situation. Certainly, we can identify the losers. The losers are the very community that we hold so dear; the losers are the high street—that geographical area where people gathered together and still try to. As my hon. Friend says, we have high streets that have been hollowed out. We need to find a way to stop this hollowing out and fracturing. The banks form a crucial, fundamental part of the foundation of maintaining our high streets, which we need to maintain our community and our society. We have reached a tipping point now—a point of no return—where the Government must step in with practical solutions to stop future closures and to address the fragmenting relationship with banks.

In 2015 we had the access to banking protocol, which spoke highly of financial inclusion and local engagement from big banks, but that fell short of any statutory protections. Members will be aware of the Griggs report the year following, which offered a series of constructive remarks and ideas to improve the settlement. Unfortunately, it addressed areas where the last bank had already left town. It does not, like my party's position, commit to a new legal protection that would enable banks to keep a presence in their local communities, which need them so much. Any new settlement should be constructively built in partnership with the banks and should engage with the shareholders of the banks who often engage with them most the local users.

What are the other answers? The Government have tried, and I suggest failed, over the past three years to try to displace some of the local bank branches with community post offices. The post office is another fundamental cornerstone of our high street and community. As my hon. Friend the Member for Coatbridge, Chryston and Bellshill (Hugh Gaffney), a campaigner on this matter, will testify, that alternative provision works only if the post offices are not themselves being ripped from our high streets and from the communities they serve at a similar rate. Post offices rightly have a valued position on our high streets, but we cannot place the burden and responsibility of banking on a workforce who are already stretched.

The decision to merge retail banking into our post offices is not workable in the present form, and nor is it a popular alternative. Figures from Which? show that although the British public think most post offices are doing a great job, many do not even know of the alternative banking options available there. I also tentatively welcome services such as the mobile branch service operated and offered by RBS and the idea of shared buildings. My constituents do not believe that such solutions go far enough to ensure a trustworthy banking presence in East Lothian. They may fit an economic model, but they do so at the risk of continuing to fracture the trust. The single solution of a banking van might work in one place, but will not work in another. To apply it as an idea across the country is foolish and short-sighted.

The trust that people have is also influenced by the quality of protection that communities witness. Local bank staff, placed at the heart of communities, have a responsibility to be the last check and balance in terms of consumer protection. Speaking with campaign groups, including Which?, this week, I was heartened to hear of cases where people had gone into their local branch to withdraw large sums of money and the bank teller has said, “This is unusual for you. What is this about?” With that simple question they have prevented a retired couple from losing substantial sums of their life savings. That solid local relationship with trained members of staff in the local bank can go a long way to protect current accounts from bank fraud, and staff can also advise on and discuss people’s challenging financial problems.

When it comes to the assessment of community safety, I raise the question of the bank’s responsibility when a sophisticated thief dupes an individual out of money. Is it right that the bank can absolve itself of all responsibility simply because the crime was so complex and maliciously delivered that the victim genuinely believed they were dealing with their own bank branch? Such a crime might be a lot harder if the perpetrator first had to build a branch on a high street to defraud retired couples of their money.

The advent of online banking has been transformative, and it will continue. There is no argument or objection to that, but I am concerned that focus has shifted solely to it as the answer to the banking problems. It would be completely irresponsible to abandon the 20 million people who still depend on face-to-face bank services. Online banking, which will continue to grow, must be accessible. It is certainly not the fault of the big banks that Governments have failed to implement a broadband service fit for the 21st century. Nor is it the fault of the banking industry that nearly 2 million people across the UK experience internet speeds of less than 10 megabits per second, meaning that online banking will not work. But banks should be made to consider broadband blackspots and digital inclusion when they plan closures, as well as the impact of shifting consumer services from face-to-face banking to online services.

Four in 10 Scottish consumers experience service issues with their broadband. How does the banking industry expect a transition to take place? In 2015, 80% of my rural constituents were dissatisfied with their internet speeds, and yet banks in Tranent, Prestonpans and Gullane in my constituency have closed in the past three years. I am interested in the thoughts of my Scottish colleagues and others here on this matter. Should big banks be made to consider broadband speeds in any meaningful consultation on bank closures?