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Dormant Bank and Building Society Accounts Bill [HL]

The noble Lord, Lord Shutt, asked whether the banks were completely involved in the scheme. Can banks, for instance, say that they are in the scheme but then choose their own definitions for dormant accounts which are stricter than those in the Bill and thereby not transfer much money? It is an interesting point whether someone who signs up to the scheme is likely to deliver a great deal of money or a small amount. I do not think that the Minister covered that in his remarks. I would be interested to hear his response.