Ann Davies MP: speeches 2026

Speeches

• 19 May 2026 · Energy Security · Hansard source

  More

  I assure the hon. Member that I am sure that the funding will be released but, with all due respect, should it not have been released by the previous Welsh Government when that money was put in a few months ago? While the measures in the King’s Speech set out steps to reduce energy costs, they do not get to grips with the fundamental unfairness of our system. People in Wales pay some of the highest standing charges in the UK, despite average salaries being lower than the UK average. That is unsustainable, and action needs to be taken. Despite being an energy-rich nation, Wales is unable to make the most of our abundant natural wealth simply due to lack of control over it. Plaid Cymru is clear: it is for the people of Wales to control and benefit from our natural resources. This extractive economy model must cease, and money generated from our wind and sea power should be kept and shared within local communities. The Crown Estate must be devolved to Wales as it is already in Scotland. Following the Senedd election, a majority of parties in the Welsh Parliament, including the Plaid Cymru Welsh Government, are calling for devolution of the Crown Estate, as is every single local authority in Wales. The case and democratic mandate are inarguable. We have immense natural resources, including wind and tidal power, that are not being fully utilised. Electricity generation in Wales has fallen by almost 50% since its 2016 peak, as growth in renewable capacity has not kept pace with the drop in generation from coal and nuclear. If we are to strengthen our energy security, we need to see the Government and developers working with the needs of communities to deliver investment in renewables. We need to see it in a sustainable and fair way, with an emphasis on offshore wind and community-led onshore development, and developers need to be totally transparent about costs and how their investment is being funded. The King’s Speech includes the new coal licensing ban, which is welcome. However, as I have raised before in Parliament, the proposed ban in its current form does not guarantee the prevention of commercial extraction of coal from coal tips in Wales. The Government should bring measures forward to close this loophole so that companies can never profit from the more than 2,500 tips, containing millions of tonnes of coal between them. In addition, Westminster must also provide justice for our valley and coalmining communities by fully funding the remediation of coal tips in Wales, which are the legacy of our pre-devolution industrial past. The price tag is estimated at £600 million, but the UK Government have committed only around £143 million. We needed a King’s Speech that addressed the unfairness at the heart of Wales’s energy system. For a country so rich in energy and potential, Wales needs so much more ambition from the UK Government—an ambition that brings communities on the journey and that listens to the voice of Welsh constituents. Plaid Cymru will continue to stand up and demand the fairness that Wales deserves.

• 19 May 2026 · High Speed 2 Reset · Hansard source

  More

  I thank the Secretary of State for her honesty in coming to the House with this update. Wales is, of course, footing the bill for HS2, a project based entirely in England now costing up to £103 billion. While Scotland and Northern Ireland have their fair share of Barnett consequentials, Wales has nothing. People in Wales have had enough of being treated as second-class citizens—they recently elected a Senedd with a majority of Members within it committed to ending this injustice. Will the Secretary of State respect the wishes of the people of Wales and be open to talks with the Welsh Government on reclassifying HS2 so that Wales no longer pays for it, or at least gets its fair share of the Barnett consequentials?

• 14 May 2026 · Business of the House · Hansard source

  More

  Will the Leader of the House join me in congratulating Llandovery rugby club on its success?

• 14 May 2026 · Business of the House · Hansard source

  More

  On Thursday, the Welsh dragon roared. Before I go on to say who roared on Sunday, I want to thank Eluned Morgan, the previous First Minister of Wales, for her 30 years of unstinting public service to the people of Wales. On Sunday, the Drovers roared. Llandovery RFC won the Super Rygbi Cymru cup for the third time. Our small rural Carmarthenshire town has produced phenomenal rugby players for Wales. They have won the Welsh premiership twice, the Welsh cup three times, and the national sevens championship five times in a row. The captain of Sunday’s match, Lee Rees, was playing his 402nd match for Llandovery over an 18-season term, which is a phenomenal achievement. Coaches Euros Evans and Gareth Potter have been at the helm for 13 or 14 years—

• 28 Apr 2026 · Referral of Prime Minister to Committee of Privileges · Hansard source

  More

  The Prime Minister has called this motion a “stunt” and “pure politics”, but he and the Labour MPs rallying around him forget the seriousness of the allegations against him. The allegations regard misleading the House of Commons over statements relating to the appointment of Peter Mandelson as ambassador to the United States—an individual with well-documented links to a convicted sex offender and human trafficker. Swatting away those allegations as a “desperate political stunt” and refusing to let them be investigated properly by the Committee of Privileges is an insult to us all. It is an insult to the public, who were promised transparency and openness by the Prime Minister’s Labour Government, and it is an insult to victims and survivors of violence and abuse, who deserve so much better from those who claim to represent them. Parliament is today being asked a straightforward question: whether serious concerns regarding the Prime Minister should be examined properly and independently. If the Prime Minister insists that he has done nothing wrong, surely the Committee of Privileges will come to the same conclusion. If Labour believes that everything is in order, why has it forced its MPs to vote against the motion? That begs the question: what does the Prime Minister have to hide? The Prime Minister promised change, and people across Wales gave him a mandate for that change, but what did the public get instead? Misjudgements, incompetence, a lack of transparency at the heart of Government and no real accountability. I put myself forward to become a Member of Parliament because, to be frank, I was fed up of partygate, the betting scandal and the £250,000 that Vaughan Gething accepted in order to fund his leadership campaign. I thought, “We are better than this. as residents and constituents, we are better than that.” People deserve a Government who are honest and transparent, and we certainly have not had that in the two years that I have been on these Benches. The Prime Minister has tried to wash his hands of Mandelson’s appointment, hiding behind processes, procedure and the actions of civil servants. He has been destroying decent people’s lives only to hobble on for another few weeks. Even if the Prime Minister’s loyalists vote this motion down, Labour and the Prime Minister will have shown their true colours. In just over a week, the people of Wales have a chance to give their verdict, and they will.

• 23 Apr 2026 · Business of the House · Hansard source

  More

  The Iranian war has caused a huge spike in fuel prices for all drivers, but this is especially true for businesses in Caerfyrddin and rural Wales. Ammanford construction business TRJ has been deeply affected, along with haulage companies such as Tony Powell Transport, which has seen costs increase by £7,000 a week. Transport costs for all Caerfyrddin businesses will inevitably result in higher prices, including for food and essentials, for all our constituents. I appreciate that the 5p cut in fuel duty will continue until October, but can the Leader of the House ask the Chancellor to help businesses by using the additional taxation received through the increased fuel price by further cutting fuel duty?

• 22 Apr 2026 · Rail Network Improvements · Hansard source

  More

  Labour’s Senedd manifesto makes no mention of the billions of High Speed 2 funding owed to Wales. Welsh Labour has given up on the argument, as the Secretary of State did after she took office. Her words were, “HS2 no longer exists.” Will the Minister please explain why Wales is not having fair funding for rail?

• 15 Apr 2026 · Cost of Heating Oil · Hansard source

  More

  It is a pleasure to serve under your chairmanship, Dr Allin-Khan. I congratulate the hon. Member for North Norfolk (Steff Aquarone) on securing this important debate. I do not know whether to take comfort from the number of MPs present for this debate, or to be troubled that we are here again to press the Government to take stronger action to get to grips with the costs facing rural households because of Trump’s war. As Members have said, many households in rural areas simply have no alternatives to heating oil, and that is particularly true in Caerfyrddin and across Wales, where reliance on heating oil is significantly higher than the UK average. Some 57% of my constituents, representing more than 25,000 households, are off grid. Just over a month ago, heating oil was retailing at around 65p a litre; today, if I wanted to buy oil for my home, it would be 130.98p—an increase of more than 100% in a matter of weeks. I recognise that the Government have announced a package of support for low-income households who heat their homes with oil, and of course I welcome any help that is available. However, because heating oil is bought in large lump-sum deliveries to cover several months—usually about four months—a 100% increase is a huge hit for households, whatever their income bracket. People who are already squeezed from every side are expected to find extra money that they do not have. I simply ask the Government to cast the net wider, so that households who are not defined as low income can still receive the help that they need. That includes constituents who do not claim benefits, those whose income is just above the pension credit threshold and pensioners who now pay tax because of the freeze on taxable earnings—they are not well off. Every day that passes is a missed opportunity for the Government to address the needs of households in the UK and across Caerfyrddin.

• 17 Mar 2026 · Immigration Reforms · Hansard source

  More

  Care workers such as Grace Reji work hard to provide an invaluable service to the most vulnerable people in my constituency. She has a family, but when faced with a possible five-year increase in the qualifying period for indefinite leave to remain, carers like her worry that they will be forced to leave. Coleg Elidyr, an education and care setting in my constituency, looks after young people with special needs and also relies on migrant staff. Does the hon. Member agree that we cannot underestimate the long-term damage of the Government’s ill-thought-out immigration policies on workforce stability and services for the most vulnerable in our society?

• 17 Mar 2026 · Youth Unemployment · Hansard source

  More

  Measures to support about 17% of our young people in Wales who are not in education, employment or training to gain employment are welcome, although I prefer to use the term “LEET”—looking for education, employment or training—which I think is a much more positive way of viewing our young people. However, apprenticeships and skills are devolved in Wales, so will the Secretary of State tell me which aspects of his announcement apply to the young people of Wales and the other devolved nations?

• 12 Mar 2026 · Business of the House · Hansard source

  More

  I have been inundated, as have many in the House, with messages from constituents facing impossible heating oil costs, with one telling me that their 500-litre order has soared from £302 to over £900. At yesterday’s meeting arranged by the Financial Secretary to the Treasury, the Government said that people should apply to their local council for emergency support via the crisis and resilience fund; however, we know that councils are on their knees financially and simply do not have that money. Additionally, the fund is England-only. May we have a debate in the House on the need for the UK Government to take responsibility by providing new crisis support funding for off-grid households in Wales and the other devolved nations?

• 12 Mar 2026 · Defending Democracy Taskforce · Hansard source

  More

  I welcome the Minister’s statement and everybody’s commitment to keep us all as safe as possible. Just a few months ago, the Housing Secretary called the Russian interference within the Reform party “a stain on our democracy”. —[ Official Report , 16 December 2025; Vol. 777, c. 776.] Since then, members of the Welsh Labour party have been investigated for their connections with the Chinese state. With the Senedd Cymru election a mere two months away, what assurances can the Minister give that the defending democracy taskforce will help to defend our elections in Wales from foreign influence and interference?

• 12 Mar 2026 · International Women’s Day · Hansard source

  More

  I am proud to have joined this Parliament as part of a record number of women elected for Plaid Cymru in 2024, and part of the record 40% of women elected in that same year. We are clearly on our way towards a gender-equal Parliament. With that historic milestone in sight, would the Minister commit her Government to Centenary Action’s call to commence section 106 of the Equality Act 2010, which would require political parties to publish diversity data on candidates, to increase transparency?

• 26 Feb 2026 · St David’s Day and Welsh Affairs · Hansard source

  More

  Diolch yn fawr, Madam Dirprwy Lefarydd. I refer the House to the Register of Members’ Financial Interests—I am co-chair of the anti-pylon group in Llanarthne and the president of the Farmers’ Union of Wales in Carmarthenshire. From the Arglwydd Rhys of Dinefwr’s first Eisteddfod, which was held in Aberteifi in Ceredigion, to the Rebecca riots, the coal mines and the tin and copper works of decades past, my constituency of Caerfyrddin is marked by history. We are proud of our shared stories, our communities and our beautiful landscape, which we do our best to protect. I was elected in July 2024 on the back of a local campaign against new electricity infrastructure, not because we are nimbys—I will get that in straightaway—but because we found a factual, feasible alternative that put our land and our communities first: undergrounding the cables instead of using pylons. Three years on, we are still working hard to persuade the Labour Welsh Government that this is the way forward. When we started this journey, the cost comparatives were around seven to 10 times more expensive. The latest figures are around three to four times more expensive, and in Norway one study says that undergrounding is an average of 1.8 times more expensive than pylons. In just three years, the comparatives have drastically reduced, but all costings are time and project-specific. Plaid Cymru’s policy on new infrastructure is clear: all 11kV to 132 kV lines should be underground unless there is a specific reason that cannot happen, for example that they go through peatlands, where a 10-metre pole would be used. All the usual impact assessments would also need to be considered, as per current planning policy: visual, ecological, language and community. We would work with communities, not against them, while safeguarding our heritage, chain of castles, ancient hill forts and viaducts. This is our land and our history that we need to protect. It is not just pylons. Over 400 wind turbines are planned to be built across my constituency and the neighbouring constituencies of Brecon, Radnor and Cwm Tawe and Ceredigion Preseli. The turbines are huge—up to 230 metres tall. The London Eye over the river is 202 metres high. The turbines are even taller than that and 400 of them are planned across the horizon in my constituency. Plaid Cymru supports green energy that delivers real benefits to our communities, but the transition must be shaped around people and place, not imposed at a scale that alienates those being asked to host it. Instead of concentrating development in vast projects that dominate our landscapes, a Plaid Cymru Government would prioritise community-centred solutions. We would refocus efforts on community energy and introduce retrofit standards to upgrade more homes more quickly. Green energy in Wales is a success story and our communities understand the need for it. Indeed, most people are passionately committed to playing their part in the transition. My concern is that the sheer scale of these proposed developments, combined with the bullish approach taken by some developers, risks undermining the good will and the positivity that has defined Wales’s green energy journey so far. This extractive economy needs to change and, again, we have a solution. Having a 10 km gap between each wind farm would significantly reduce the number and still generate more than enough electricity. That would safeguard some villages in my constituency, including Pencarreg, Cwmann, Ffarmers and Pumsaint, and up towards Mynydd Mallaen. Two huge wind farms are already licensed in the Celtic sea, and the Crown Estate is proposing another three, so we know that we will generate far more electricity than we need. I ask gently whether we need to spoil our more rural landscapes by placing turbines in areas in which people still live, still farm the land and still have vibrant Welsh-speaking communities. Do we need 400 turbines in one relatively small area? Speaking of rural communities, the next battle on our hands in Caerfyrddin is to secure a banking hub in Rhydaman—or Ammanford. The last bank has closed. To be honest, I do not blame Lloyds, which had remained when others had long gone. However, I just wish that we had been able to secure a banking hub before they had closed. Although 23,709 people live in the Ammanford area, only 7,444 live around the high street, so we fall short of the 10,000-person threshold for a banking hub. As we all know, the valleys are part of and merge into our post-industrial towns—the two cannot be separated—and that is certainly true of Ammanford. Blaenau, Llandybie, Saron, Penybanc, Glanaman, Brynamman and many others all form part of Dyffryn Aman. Deprivation is high, unemployment is high, and there is a significant lack of opportunities. Since Lloyds closed at the beginning of January, on Fridays—market day—residents queue outside the post office to access cash. They are mainly elderly and the digitally excluded, and are unable or do not wish to use a laptop or tablet. Some older constituents go to extreme lengths just to access their own money by paying extortionate amounts for a taxi into town, and giving the driver their card and PIN to get cash out of the ATM for them. LINK might say that the nearest ATM is close enough—and it is for those who are fit, mobile and able to get there independently—but that simply is not the reality for many elderly or disabled residents who cannot make that journey safely, easily or affordably. There should be access to cash for all, so I have started a petition to set up a banking hub, and I would be grateful if the whole House shared it. I will be in touch with the Financial Conduct Authority to arrange a meeting to discuss that further. I have no doubt that I will work closely with the hon. Member for Brecon, Radnor and Cwm Tawe (David Chadwick) and my hon. Friend the Member for Ynys Môn (Llinos Medi), who have secured banking hubs in Ystradgynlais and Caergybi respectively. Post-industrial town such as Rhydaman need our support. I ask Members to share my petition; let us get as many signatories as possible.

• 26 Feb 2026 · St David’s Day and Welsh Affairs · Hansard source

  More

  We are working closely with LINK and the FCA to get as much information as we can to secure a hub. That is what our communities need. They deserve to be able to get to their cash safely. My community means everything to me. The interwoven history and heritage of Caerfyrddin run through my veins. As I have said before, I have moved only 4 miles in my entire life, and I have no intention of moving any further than that—I love where I live and I love the people there. It is a privilege to live there, and, like others, I want the best for my patch, so I was delighted when a new post office was opened in Whitland after a sustained period of absence. When we consider access to cash, let us look for opportunities to place a post office within local shops, convenience stores and even pubs. That increases footfall and gives businesses an opportunity to increase turnover and expand naturally. A few villages in my constituency are currently looking for that opportunity. One of them is the township of Laugharne, which is of course famous for the Dylan Thomas boathouse—it is where he wrote “Under Milk Wood”, and he and his wife Caitlin are buried in the churchyard there. These are inevitably decisions for the local community, and I hope that they find a resolution soon. As David’s last words were “Do the little things”—gwnewch y pethau bychain—I ask for large organisations, such as LINK, the FCA and the Post Office, to collaborate closely with our communities to ensure that access to cash is a reality for everyone. Rural communities are unique, and what works in a city or a large town does not automatically work there. There is no one-size-fits-all solution. That brings me back to my community. Caerfyrddin is filled with castles, history and heritage, but it is also filled with talent, entrepreneurship and vision. Let us harness those qualities and work together to help the places that we are so proud of to thrive and prosper, in line with what our communities need, want and deserve. Let us do the “pethau bychain” together.

• 25 Feb 2026 · Energy Developers Levy · Hansard source

  More

  I really appreciate the hon. Member’s having secured this important debate, as we have issues very similar to Suffolk Coastal’s in Caerfyrddin and west Wales in general. A levy is really important for cumulative planning and mitigation. I would also add that there are tangible benefits for our communities, such as public transport and affordable homes. Those are things that we do not have in rural communities, but which a levy could support. Does the hon. Member agree that that is the way forward—not the piecemeal dribs and drabs that companies are offering us?

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I am so sorry, but I am going to finish. Restricting access to cash also affects many of those living in rural and post-industrial areas. As the Financial Conduct Authority has noted, digitally excluded older people, people in poor health, those with lower financial resilience and those with lower financial capability depend more on cash. We have seen that play out in my constituency, where we have recently experienced the closure of the last bank in the town of Ammanford—a Lloyds Bank on Quay Street. The closure will leave Ammanford—a town with an area population of 23,709—without a full-service bank branch. It will impact not only the town itself but the surrounding communities of Brynamman, Glanamman, Tycroes, Llandybie, Betws and the wider Amman valley. The decision demonstrates a worrying lack of understanding of the needs of rural and post-industrial communities. For many, online banking is not an option. For example, broadband coverage in Carmarthen is significantly below national standards. Gigabit in Carmarthenshire is 41% compared with 78% in the UK. Superfast broadband is 85% compared with 96% in the UK. Those figures demonstrate that large parts of the county, including Ammanford and its surrounding villages, lack access to the high-speed internet that is required for secure and consistent digital banking. In practice, that means that online banking is unreliable or inaccessible for many households. Mobile banking apps do not function properly, especially in areas with poor signal and slow connections. Digital alternatives cannot replace in-person services, especially for vulnerable groups such as older adults, those with disabilities and people managing complex financial needs. A significant proportion of residents are elderly, vulnerable or without access to transport, and the prospect of travelling long distances to the nearest branch is unrealistic and unjust. I have had many constituents contact me to express their deep concern about the closure of the Lloyds branch. One constituent told me: “We really desperately need this facility now. I don’t think any consideration has been given to the disabled, elderly, or even younger people who cannot travel to other towns. Although I understand the Post Office will absorb some customers, it does not provide all banking needs.” He continued: “I understand why the banks have to close some branches, but Lloyds’ support in the past has been invaluable to this area. With a brain-injured partner, it is nearly impossible to travel to Gorseinon. This would be a major trip causing unnecessary distress and anxiety for him; disabled parking in Gorseinon doesn’t meet his needs either.” Cash has a social value, too. Another constituent said: “I’m old school and still like to have cash—giving my grandchild pocket money, giving tips if I go out, taxis—the list could go on.” It is clear that cash does not just facilitate economic exchange; it creates bonds and ties within communities, an aspect that is important to smaller and rural areas. Where do we go from here? The Federation of Small Businesses Wales has said: “While it is unrealistic to expect a return to high street banks on every street, it is important that new models are further developed—such as banking hubs—to ensure that these services are available locally.” Banking hubs are a key alternative to communities that have lost access to bank and building society branches. They offer easy access to face-to-face cash and banking in the communities that have lost their bank branches. I welcome that the Government have pledged to establish at least 350 banking hubs across the UK. In Wales, there are 12 shared banking hubs, with more in the process of being set up in Gorseinon and Caergybi—Holyhead. However, I note that none are in my constituency of Caerfyrddin—not one. The Financial Services and Markets Act 2023 gave the Financial Conduct Authority responsibility for maintaining cash deposit and withdrawal access, although not wider banking services. The FCA’s rules came into force in September 2024. Those rules require banks not to close their services in communities until they have carried out an assessment showing that the closure would not impact withdrawal and deposit services in that area. Those assessments are conducted by Link. While such a safeguard is welcome, the process itself seems to overlook rural and post-industrial areas. It does not allow for discretion to be applied to consider the needs of those communities. For instance, in the case of Ammanford, Link assessed that there was no need for additional services like a banking hub, given that Ammanford did not meet the population threshold of 10,000 people living near the high street. It said that Ammanford had 7,444 adults living nearby, which is still a significant number, but 23,709 people live in that surround. As we know, in post-industrial areas, the town merges into the villages—or the villages merge into the town. Residents have made it clear that they are finding it incredibly challenging losing their only banking facility. A petition is being circulated in response to the decision, and it has already gathered hundreds of signatures—I urge all in the Chamber to share my online petition. I urge Link to engage with local stakeholders, including businesses, councillors and residents, to ensure that the assessment reflects actual community needs, including by establishing a banking hub in the town of Ammanford. Can the Minister set out how the Government can accelerate the establishment of banking hubs in rural and post-industrial communities as part of their plans? What recent assessments have been made of the adequacy of the cash access review process to account for the unique needs of those communities? Banking hubs are a lifeline for communities that are already under strain. We need prudent policymaking in this area from the Government, so that constituents like mine are not overlooked for such important services. Diolch yn fawr, Cadeirydd.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I will. This is one of three, Sir Desmond.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  Absolutely. Unfortunately, as of December last year, those post office vans no longer accept cheques. Some people of a certain generation still use cheques, but those cannot now be paid in by using a post office van, as we have in our village. Someone must physically go to a bank to pay in a cheque, which makes it very difficult for the elderly, especially given that in my area we do not have public transport either. Removing local banking services risks deepening financial exclusion and placing additional strain on already vulnerable adults. Despite cash and in-person banking still being integral to many communities across the UK, they are becoming harder and harder to access. That is demonstrated by the number of bank closures across Wales. As the Welsh Affairs Committee has noted, the number of bank and building society branches fell from 695 in 2012 to 435 in 2022.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I totally agree, and I will come on to that later. In 2006, cash accounted for 62% of all payments in the UK. It now accounts for around 14%, with some forecasts taking it down to 6% in 2031. However, if we look beyond those percentages, we can see that cash still plays a vital role in people’s lives. For many, cash is indeed king. New figures from Link, which accounts for 77% of the UK’s entire ATM network transactions, show that cash continues to be central to how millions of people manage their money. In 2025, £76 billion was withdrawn from Link ATMs, in 1.27 billion transactions recorded across the year. Link notes: “While ATM use naturally evolves as more people choose digital payments…cash remains a trusted and widely used option.” Link data shows that the most popular places in which to use cash remain convenience stores, supermarkets and payments between friends and families.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I promised the hon. Member for Waveney Valley that he could intervene on me, and that will be my final intervention. I am so sorry.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  Absolutely. The data is there for all. The closures disproportionately impact less populated areas, as the distance to travel to bank branches is greater. For instance, data from 2008 to 2018 show that the greatest increases in travel distance to the nearest bank branch were in Montgomeryshire, Clwyd South, Arfon, Dwyfor Meirionnydd, and Brecon and Radnorshire. Those rural and less populated areas also tend to have older populations and less reliable internet, and experience the unique nature of rural poverty.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I beg to move, That this House has considered banking hubs in rural and post-industrial communities. It is a pleasure to serve under your chairmanship, Sir Desmond. It is unfortunate really that this is a 30-minute debate. So many people have been in touch to make interventions or speeches, including the right hon. Member for South Holland and The Deepings (Sir John Hayes) and my right hon. Friend the Member for Dwyfor Meirionnydd (Liz Saville Roberts), but as you mentioned, Sir Desmond, it is impossible to fit everybody in. I am pleased to lead the debate on this important topic. Access to cash and banking services is a pressing issue in rural and post-industrial communities. I hope to outline why we desperately need to increase the availability of services through banking hubs in those areas.

• 24 Feb 2026 · Banking Hubs: Rural and Post-Industrial Communities · Hansard source

  More

  I will. This is number two.

• 23 Feb 2026 · Universal Credit (Removal of Two Child Limit) Bill · Hansard source

  More

  I stand to speak in support of new clause 1, tabled by the hon. Member for Brighton Pavilion (Siân Berry). The two-child cap should never have been introduced in the first place. As one of four siblings, I gently ask the hon. Member for South West Devon (Rebecca Smith): was I, the third born, worth less than my two older sisters or my younger sister? I am the mother of three daughters; was any one of my children worth less than any of the others? Absolutely not. At its most basic, that is what this policy is about. I was in receipt of free school meals, and I remember well queuing up outside the school secretary’s door to collect my dinner token. I would have been one of these statistics—one of the 31% of children in Wales growing up in financial poverty. It was not emotional poverty—I was not poor in love—but financial poverty. There is a huge difference there, and that is why this Bill is necessary. Ending the two-child cap will cause an 11% fall in child poverty and a nearly 20% drop in deep poverty, according to modelling by the Bevan Foundation and Policy in Practice, but the Bill’s success in tackling poverty is limited by other Government policies, especially the benefit cap. The benefit cap limits total income from certain social security payments to £22,000 a year—not the £71,000 that has been mentioned—for couples and single parents outside London. It has been frozen at that rate for 2026-27 by the Labour Government. Over 3,000 households were already affected by the benefit cap in Wales as of May last year, and 83% of those were households with children—the majority with three or more children. Those families will not benefit at all from the Bill. In fact, the Bevan Foundation estimates that more than one in five households affected by the two-child limit will not fully benefit from its removal because of the benefit cap. The hon. Member for Brighton Pavilion’s new clause 1 would place a duty on the Secretary of State to publish an impact assessment of the effects of the Bill. It would include an estimate of those households that would not see the full benefits of removing the two-child limit because of the benefit cap. I support this new clause as a way to allow us to understand the real impact of leaving the benefit cap where it is on families across our nations and our communities, but it does not go far enough, as many have said. As Plaid Cymru spokesperson, I tried to ensure that the UK Government tackled the benefit cap as well as the two-child limit, but the narrow scope of the Bill meant that I could not table amendments to do that. Only the Labour Government can make this Bill include changes to the benefit cap and help further reduce the unacceptable poverty in our communities. The UK Labour Government have said that they are committed to tackling child poverty. With 31% of children in my constituency in poverty, now is the time for the Government to show that commitment in action. I therefore urge the Secretary of State to use the powers available to him to legislate to scrap the benefit cap alongside the two-child limit, to make a real difference to children and families across all our communities.