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Saving Gateway Accounts Bill

That is a handsome offer, for which I am grateful. I thank both noble Lords for taking part in the debate. The noble Lord, Lord Williamson, is right: this clause is quite different because it is about effectiveness rather than just routine information to Parliament. I should point out to the noble Lord, Lord Newby, who sought an earlier report, that I outlined to the noble Lord, Lord Myners, the reason why I had gone for the timing contained in the amendment. That is why I separated this amendment from the previous amendment. Some information can just flow and does not need any independent person to look at it. I accept that information on how many account providers there are is very important and should be kept in mind, but you do not need an independent review to achieve that; you need only an information flow to Parliament. This is an important issue and the Minister has undertaken to take it away. There is no point in my restating why I believe that a requirement for an effective review should ideally be placed in the Bill. Perhaps the Minister, the noble Lord, Lord Newby, and I can discuss between now and Report how best to proceed. However, in one way or another, we will return to this issue on Report. I beg leave to withdraw the amendment. Amendment 40 withdrawn. Clause 11 agreed.