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Consumer Credit Bill

I am a fool to myself, but I want to help the hon. Gentleman. He is arguing that lots more should be included in the Bill to provide certainty, but the other side of that argument relates to the implementation of the regulations that flow from the Bill and the industry’s ability to deal with those issues. If all that is included in the Bill, it becomes too restrictive—it does not allow the opportunity to discuss the changes in systems—so he cannot have it both ways. That issue was raised throughout the debates in Committee.