Kirsty Blackman MP: speeches

Speeches

• 25 Feb 2026 · Post Office Green Paper · Hansard source

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  In rural areas, the loss of post offices is an issue, but it is also an issue in cities, particularly when the local transport network does not necessarily link people with the post office. My community is still reeling from Spar closing the post offices in its shops. Will the Minister give us some comfort by saying that he believes that the remuneration package being offered will not just keep postmasters in the job, but encourage new postmasters to take up the job, particularly given that, as has been stated, we face another round of Bank of Scotland closures?

• 24 Feb 2026 · Online Harm: Child Protection · Hansard source

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  This makes me more frustrated than just about anything else in this place: the levels of ignorance, stupidity and hypocrisy from so many people in here, specifically about children’s access to social media. I fully intended to support the Lib Dems’ position, but the longer their spokesperson, the hon. Member for Twickenham (Munira Wilson), spoke, the less I wanted to do so. I do not believe that the Government’s position on this is 100% right. I am glad that they are having a consultation, but I do not like the way that they are amending the Children’s Wellbeing and Schools Bill, which is a devolved Bill, to change the territorial extent to bring that into scope. A Bill that we have not scrutinised, because it is a devolved Bill, will now have a reserved section in it. At the moment, the Bill does not apply to Scotland, apart from one clause; now, it will apply to Scotland, because it will include this. As we have not had the opportunity to scrutinise it, we have not been involved in that process. I do not think it is right that the proposed amendment should come forward in this way, although I appreciate why the Government are doing it. That is why I am asking for the amendment to be shared with us as soon as possible so that we can see it, because we have not had a chance to look at the Bill as it has gone along. The Lib Dems have said that they have made their position clear. I have so far been able to find three amendments and new clauses to the Online Safety Act put forward by Lib Dems during its passage through the House. One of them was put forward by the Lib Dem spokesperson, who asked for an independent evaluation within 12 months of whether more platforms should be subject to child safety duties—this is the same party that is currently accusing the Government of kicking the can down the road, despite asking for a 12-month independent evaluation. There is hardly anything in the Lib Dems’ previous positions that helps me to understand their current position. The Tory party’s position is totally incoherent, too. The Tories refused my amendment on reducing habit-forming and algorithmic features. They also refused my amendments on livestreaming. By the way, before the Minister’s “Dear colleague” letter, livestreaming had been mentioned 53 times across the two Houses. A third of those mentions were me talking about how livestreaming for children should be banned. Before today, Roblox had been mentioned 32 times across both Houses—15 of those mentions were me saying that Roblox is not a safe platform for children. I am massively in favour of improving the online world for children. I think social media should be about looking at videos of cats. I love videos of cats—they are absolutely brilliant. That is what it should be for. I also think it is a great place for children to interact with one another. Like some others in the Chamber, I have been making the case that there are dangers on social media that can be easily tackled by changing the Online Safety Act. We could have got rid of those algorithmic features for children, for example. We could have got rid of livestreaming for children through the amendment I tabled. We could have got rid of children’s access to private messaging features with people they do not know, through another amendment that I tabled to the Online Safety Act. I do not like the way the Government are doing this, though. They are proposing an amendment to the Children’s Wellbeing and Schools Bill, and then we will have secondary legislation that will, possibly, amend the Online Safety Act—I am not 100% clear on how it is going to go. I appreciate that there needs to be a consultation. Before the 2024 Parliament, there were about three people in this entire place who had any grip of what the online world might have been like for children. One of them was the hon. Member for Newcastle upon Tyne Central and West (Dame Chi Onwurah), who talked about some of these things. I asked the Minister at the time whether Fortnite would be included in the scope of the Online Safety Act, and they said, “If there’s text chat.” Text chat in Fortnite—it is an online game! There is not enough expertise in this place. Much as I hugely appreciate the people who work on writing Bills and the work of some of the experts at Ofcom, they are not experiencing the online world that children are experiencing. That is why we need to listen to ensure that any changes that are made tackle the most harmful behaviours, places and functionalities on the internet. I appreciate that the Government are trying to take action on this now. However, one of the few things that has made me cry in frustration in this place was one of the first things this Government did when they came in, when they brought in secondary legislation to categorise platforms and refused to include the small, high-risk platforms that had been added in the House of Lords. They said they were categorising as category 1 only platforms like Facebook, which meet a certain threshold. I was so frustrated by that choice by the Government. There needs to be more listening and learning about where the actual dangers are, and taking action on them. Please, do that in consultation with those of us who do understand this. Please, listen to experts on this.

• 24 Feb 2026 · Online Harm: Child Protection · Hansard source

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  A local organisation in my constituency, CyberSafe Scotland, surveyed children about what they were being fed on TikTok. There is a road in my constituency called North Anderson Drive, and children on one side of North Anderson Drive were being fed different content to the children on the other side of it. It is not just an age thing; it is really specific, and we cannot understand what each individual person is seeing because it is different for everybody.

• 3 Dec 2025 · Pension Schemes Bill · Hansard source

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  To take us back to the consultation and action to provide guidance for trustees, we all think that is a good thing, as trustees have a difficult job to do and providing them with more guidance is incredibly helpful. On the timeline for the consultation and the legislation arising from it, it would be incredibly helpful if the Minister could, as soon as possible, provide us with a road map for what that will look like when it returns to the House and, in particular, set out whether it will involve primary or secondary legislation.

• 11 Sept 2025 · Pension Schemes Bill (Eighth sitting) · Hansard source

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  I highlight again that the Regulatory Policy Committee considered the monitoring and evaluation plan in the impact assessment to be weak. It said that although everything would be reviewed around 2030, there were not many other points that the Government had committed to reviewing. In the new clause, I probably would not have picked a timescale of 12 months after Royal Assent, given the length of the road map and the timings for the introduction of a significant number of things. I appreciate that as the new clause is crafted, it can pick up on problems before they occur. If things are moving towards consolidation in advance of the timelines, the Government should be able to analyse where the prospective issues are. However, the Minister could commit to providing Parliament with a review, and either giving information to the Work and Pensions Committee or making information and statistics publicly available.

• 9 Sept 2025 · Pension Schemes Bill (Sixth sitting) · Hansard source

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  I appreciate the Minister’s clarification that I had talked about amendment 113 prematurely, but it was relevant in the context of the previous discussion. I also appreciate the Minister’s clarification on the definition of “product”. I understand why he wants to make the amendment to tighten the Bill up a wee bit; however, it potentially tightens it up too much. Before Report, will he consider whether the use of the word “product” is right? Does he need to look at including that word in the definitions provided at the end of clause 38—I do not think it is currently included—to cover not only the physical things or offerings to people in terms of the products and investments they could look at, but the niche and specific service provision that might be attractive to people who are looking to invest their pensions because they have specific life conditions, or because their life and work does not fit into a normal box? I appreciate the earlier clarification in respect of the default products, which was incredibly important and helped to clarify my mind, but it would be helpful if the Minister agreed to take away my suggestion. I can understand why the Liberal Democrats tabled new clause 3. We should consider where we are with the innovation pathway, and the fact that the new entrant pathway exists and the relevant regulations have not yet been created. I assume that the Minister and his team will listen to a huge number of people. Clause 38 says that “such persons as the Secretary of State considers appropriate” must be consulted; I hope that will be a wide group of people with significant experience in the industry. Given that so many of us have mentioned challenger banks and new financial institutions, perhaps the consultation will look at what has been learned in that respect and whether some of the innovative decisions, and the regulations that allowed the provision of innovative products, should be included in the scope of the regulations. I would rather the innovation be quite wide, rather than quite tight, given that the scale thresholds and requirements have to be met anyway. If somebody has a credible plan to reach that scale, surely pretty much any of the innovative solutions they may be suggesting are good, because they are also providing a credible plan to get that significant level of scale and the efficiencies that come along with that. Potentially the definition of products in the defined terms at the end could be a good vehicle for the Minister to ensure that the scope is as wide as he would like it to be.

• 4 Sept 2025 · Pension Schemes Bill (Fourth sitting) · Hansard source

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  I am in massive agreement with putting more investment into the provision of advice. On Tuesday, we heard the terrible stats that only 9% of people actually get advice on their pension from a financial adviser. Yet this amendment is the wrong vehicle to achieve that, given that it is looking purely at DB surpluses. My understanding is that people who have DC pensions are much more likely to need advice than those who are on DB pensions, because that someone with a DC pension cannot tell how much they will get before they actually apply for the annuities when they retire. Their life circumstances may change between the age of 40 and hitting retirement. My understanding is that those on DB pensions have a pretty clear idea of what they are getting on a weekly, monthly or annual basis, in addition to a lump sum that they may be awarded as part of that DB pension scheme. Using the surplus created in DB schemes to fund advice for DC scheme participants would not be in the best interests of the scheme members. I agree that we need more advice; I think that the proposal made in new clause 1 for earlier advice is incredibly important, because by the time someone gets to the age of 50-plus or very close to retirement, they do not have time to fix any issues. I would love to see people, when they are first auto-enrolled, getting advice on how much pension they are likely to get from whatever percentage of pay is put in, what a top-up looks like and how putting money into their pension as early as possible gives them the best possible outcomes in retirement, rather than panicking at the last possible moment to try to increase it. On the mid-life MOT, free advice is already available for people at the age of 50, but it is drastically under-utilised. The Government could move in the direction of ensuring that when people get their bowel cancer check pack through the post, they also get a date and a time for an appointment with the Pensions Advisory Service, so that they do not have to proactively make it themselves. That would make a massive difference. Successive Governments have believed that doing that would cause too much uptake and there would not be capacity to provide that service, but as we come to the generation of people who have been auto-enrolled hitting 50, when they are due that mid-life MOT, the benefits would be so great and would provide prospective pensioners with clarity about how much they could get. They could be told that taking the entire thing in cash and putting a chunk of it into a bank account is a truly terrible idea—we know that far too many people do that. I am in favour of anything that the Government can do to expand the free advice service that is there already, but I think that the funding vehicle proposed in amendment 3 is not the right way to go about it. I would like the Government to put more money into it, and many more people getting the advice that they need. The guidance and targeted support mentioned on Tuesday are incredibly important, increasingly so as we see the trend away from DB schemes towards DC schemes. I was looking at my family’s personal pension the other day, and the amount of money in the DC pot. I do not have the faintest clue what it means. I know something about pensions, but being able to translate that large figure into a monthly amount is simply impossible until it is time to apply for the annuity, when we get the understanding of what our life circumstances look like. I would like changes to be made to the advice given. I do not think that we are in the right position. I wonder if the review will take some of this into account. On pension sufficiency, as the hon. Member for Mid Leicestershire said, people being better informed and more engaged with their pensions is an incredibly positive thing, but we are not there yet. More needs to be done to encourage people down that route.

• 4 Sept 2025 · Pension Schemes Bill (Fourth sitting) · Hansard source

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  I rise to speak to clause 10 and the consultations that the Secretary of State will undertake in advance of making the value for money regulations. Subsection (7) says: “The Secretary of State must consult with such persons as the Secretary of State considers appropriate before— (a) making value for money regulations; (b) issuing guidance under subsection (6).” I appreciate that that is in there—it should be in there, as it is important. However, I do not know the road map off the top of my head, although the Minister might. Will the value for money regulations be published in draft in advance of the final decisions being made? I understand that they will go through the affirmative procedure when they do come before Parliament, but, in order to consult, will the Secretary of State publish the drafted regulations so that all of us can see them? Also, on the right people to consult, I would always recommend that the Secretary of State runs those regulations before the Select Committee in advance of publishing them, so that it can suggest any changes. It is far easier for the changes to be made in advance of the statutory instrument being laid, when it is in draft form, than for there to be an argument in a Delegated Legislation Committee—I am sure that nobody on either side of the House wants there to be arguments in a Delegated Legislation Committee. We would all, I am sure, hope that there would be widespread agreement in advance. The value for money regulations are really important, and it is important that they are got right. I am pleased that there is to be a consultation, but I push the Minister to agree that it will be significant—not just a couple of people in advance—so that potential problems with the value for money regulations are ironed out, and we do not see 273 amendments to them down the line.

• 2 Sept 2025 · Pension Schemes Bill (Second sitting) · Hansard source

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  Q This is about people who do not get financial advice, which is the vast majority of people, and their understanding of pensions and what they are likely to get. On a DB scheme, you get an annual statement that says you will get x amount a month or x amount a year. On a DC scheme, it is more like, “This is your total pot.” As everybody’s circumstances are different, they have no idea what that might actually look like if they were to get it on a monthly basis. I appreciate your positive words about the guided retirement and the targeted support. Do you think there is potential in the future for moving towards ensuring people get that advice earlier, so they can ensure the sufficiency of their pot, as well as ensuring that they are making the right decisions when they take that pot? Ian Cornelius: It is definitely desirable. One of the challenges with auto-enrolment is—it is a positive and a negative—that people are not engaged. Inertia has worked really well, but you have to work to engage them to make sure they are contributing the right amount, thinking about what they will need in retirement and thinking about their circumstances. For example, at NEST, only 40% of our members are registered with us online, so we have a really big job to play to engage more of them, get them to register, and get them accessing the tools and support that are available to deliver the best outcome for them. It is our fiduciary duty to do that. There is a lot more that we can, need and want to do in that space. Guided retirement is a big step forward. Targeted support would be helpful. There is a big challenge for the whole industry there. Patrick Heath-Lay: I agree. As this unwinds, we should think a little bit more about how engagement will help. It certainly is a big driver. Both the introduction of these propositions and the guidance and targeted support we can provide through those processes will be important, but we also have to accept that even in the most mature economies’ pension systems, people still do not engage very closely on this. Even when they do, they find it incredibly difficult to interpret what they are being told. How many people can do good compound interest calculations, for example? It is sometimes mind-boggling what we expect people to know. There has to be more onus on us through those processes, as an industry, for the guidance that we provide and the obligation on us to enable effective, accountable support to be there. There is much more, and this Bill goes a long way to enable us to do that.