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Compensation Bill [HL]

I would be very happy to write to the noble Lord with as much information as I can. I think it is not only the Committee but also the consumer who needs to understand what these practices are. That is one of the issues we have to deal with; hence, the noble Lord, Lord Hunt, and myself both describing some of these operators deliberately targeting people at a vulnerable time, which makes it more likely for them to fall into their clutches—if I can put it like that. If one looks at the advertisements on endowments, if you are not au fait or feel financially illiterate, which, frankly, covers a large number of the population, it seems a very easy thing to hand the matter over to somebody else and not be aware that the service is available and free. So there is not only a lot of work more generally to be done on understanding the kind of practices, but also to recognise—hence the way we set it up—that these people move into other areas. Therefore, the ability to be able to capture that area and regulate it very quickly will be a critical part of the achievement of the Bill as we move forward.