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Consumer Credit Bill

My Lords, I am obliged to the Minister for his comments, which do not surprise me. However, this is one of the more fundamental points outstanding on the Bill. As the noble Lord, Lord Borrie, indicated, there is a distinction between the protection given to individuals in relation to the unfair relationships tests which will go to the courts and the overall obligation of lenders to lend responsibly, as the noble Lord, Lord Borrie, and others have indicated. It may be that there are many cases where there is not an unfair relationship determined by the courts, but where a lender has not lent responsibly. Therefore, we need to reflect before Third Reading on whether this is an issue where we would want to test the opinion of the House. In the mean time I would be delighted—not delighted, but happy—to withdraw the amendment. Amendment, by leave, withdrawn.