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Lending (Regulation) Bill

I thank my hon. Friend for giving way at this early stage in his speech. I am a co-sponsor of this Bill—and indeed a co-sponsor of the Autism Bill. This Bill is dear to the hearts of not only my hon. Friend and many in the Chamber, but many of our constituents. I am thinking especially of the parents of the young people—18 and 19-year-olds—who have over the years regularly been sent unsolicited applications for credit cards and greater loans with absolutely no advice. Those young people have often got into debt that they should never have got into.