Martin Rhodes MP: speeches

Speeches

• 22 Oct 2025 · Financial Inclusion · Hansard source

  More

  I certainly acknowledge the need for financial education from an early age, so that people understand the system. One of the areas of exclusion is the fact that people just do not understand what financial services and products are. We need to ensure that people understand their options and can explore them. Even if we addressed all the issues with financial inclusion that we have raised in this debate, there would remain fundamental issues of poverty and inequality in our economic system. The pervasiveness of loan sharks, the lack of access to affordable credit and the heightened cost of living crisis, which have eaten into many people’s savings, all contribute to an exclusionary financial system. I look forward to the publication of the financial inclusion strategy, but also to the publication of the child poverty strategy, alongside action to reduce poverty, promote equitable growth and increase opportunities for all. If we get all of that right, we can build an inclusive financial system for all. I know that the Minister takes these issues seriously; I look forward to her response.

• 22 Oct 2025 · Financial Inclusion · Hansard source

  More

  I agree that we need to make sure that all communities have access to financial services, wherever they are and whoever they are. Everybody needs access to those services. I will welcome hearing from the Minister later about the financial inclusion strategy.

• 16 Oct 2025 · Biodiversity Beyond National Jurisdiction Bill · Hansard source

  More

  I welcome the Bill for what it seeks to put into law, but also for what it signals about the approach of the Government, and hopefully this House, to national and international obligations and interests. It is a testament to the continued survival and delivery of multilateralism in global affairs. In an age of continued and heightened global strife, conflict and antagonism, the Bill is proof that there still remains hope for global co-operation and that joint endeavours with shared purpose can deliver common goods. Institutions such as the United Nations can still be practical and effective forums to facilitate states coming together to work out collective solutions to collective problems. There are those who seek to withdraw from international agreements, seeing multilateral institutions and processes as threats. We must eschew such an approach, because it ultimately does not serve our national or global interests. Such an approach of withdrawal and isolation will not further our interests effectively. In this case, the United Nations biodiversity beyond national jurisdiction agreement, which the Bill will bring into the framework of UK law, will be one of the most important strides forward for biodiversity and the marine environment. For the first time, the United Kingdom will have a legal framework to help us to protect large expanses of the seas that are beyond our national waters. The establishment of such protections will help to ensure that regions of the high seas are safeguarded from harmful extractive and destructive practices. The protections will help to restore biodiversity to these regions and help maintain the ocean’s capacity to absorb CO2 produced by human activity, thus helping to mitigate the impacts of global warming. As has been mentioned, the oceans absorb about 30% of man-made CO2, and this treaty will help to ensure that they are fit to continue doing so. The ratification of the treaty must not be the be all and end all for protecting the biodiversity of the world’s oceans. It must be a means through which the UK and allies globally can continue to advocate for greater protection of our shared marine environment. One means of doing that through the treaty will be the first conference of the parties—or Ocean COP1. This will be the first forum for the treaty’s signatories to discuss and action its implementation, such as agreeing proposals for the first generation of high seas sanctuaries. The treaty is welcome and the Bill is welcome, but implementation is necessary to deliver what we need. As the Minister said in her opening comments, the COP will take place within a year of 17 January 2026, which is when the treaty comes into force. As has been said, if the UK has failed to ratify at least 40 days before that date, we will not have a seat at the first COP. That is why I urge the House to pass this legislation at pace. Already, there are reports that the first Ocean COP could be as soon as August next year. The Government have rightly spoken at length about the importance of the UK bringing its soft power to bear. With this being the first COP of its kind, it is essential that we bring UK expertise and influence to the event while the treaty is in its infancy. We have seen the importance of conferences of the parties as a means of promoting collective action on climate change and nature. We cannot miss this chance to be a part of the first Ocean COP to do the same for our world’s oceans. Multilateral agreements implemented by collective action are the way forward on this issue. I am therefore more than content to support the Bill enthusiastically today.

• 16 Oct 2025 · Business of the House · Hansard source

  More

  During the recent Fairtrade Fortnight, many constituents contacted me with concerns about the need for good business practices. Will the Leader of the House schedule a debate in Government time on mandatory due diligence to protect against corporate harms and ensure that UK companies are held accountable for abuses in their global supply chains?

• 10 Sept 2025 · Occupied Palestinian Territories: Humanitarian Access · Hansard source

  More

  It is a pleasure to serve under your chairship, Mr Stringer. I thank my hon. Friend the Member for Cowdenbeath and Kirkcaldy (Melanie Ward) for securing this important debate. The importance of improving humanitarian access to help offset the intolerable hardship, suffering and misery that currently faces those living in Gaza cannot be overstated. For children alone, this war has been beyond cruel. Save the Children, for example, has recently reported that at least 20,000 children have been killed in Gaza since October 2023. To put that in perspective, the capacity of the O2 arena here in London is 20,000 people. More must be done to pressure Israel to reopen crossings and lift restrictions on movement. The UN-led co-ordination of humanitarian aid must be restored. That will once again allow professional and experienced humanitarian aid agencies to reach people in need at scale with meaningful assistance. I acknowledge the Government’s position that it is for the international courts, not Governments, to determine if genocide is taking place. However, looking at the evidence that we have all seen—air attacks, ground attacks, displacement of people, targeting of health services, attacks on aid workers, access to food as a method of control, and deliberate and consistent blocking of humanitarian aid—it is difficult to see how those courts will not reach the decision that what we are now seeing is genocide.

• 17 Jul 2025 · RAF Photographic Reconnaissance Unit · Hansard source

  More

  It is a privilege to serve under your chairship, Ms Vaz. I commend my hon. Friend the Member for Carlisle (Ms Minns) for securing the debate and highlighting the role of the RAF unarmed Photographic Reconnaissance Unit during the second world war. The unit made a contribution that deserves to be remembered. As mentioned, it captured more than 26 million images of enemy operations and installations during the war. Without that vital information, the success of operations and, ultimately, the outcome of the second world war could have been very different. Beyond its strategic impact, the unit also deserves to be commemorated for the extraordinary level of sacrifice made by its members. Records show that the survival rate of unit personnel was proportionally the lowest of the allied aerial units throughout the war. So many lost their lives flying for the unit. Because of the solitary and secretive nature of its missions, some 144 of those lost have no known graves—perhaps making a memorial all the more important. In my Glasgow North constituency, there were two known pilots from the unit. The first was Wing Commander Lawrence Hugh Strain. Lawrence was born at 14 Berkeley Terrace Lane in Glasgow on 12 November 1876. Little is known of his early life, but by 1913 he was resident in Edinburgh, travelling to London to gain his pilot’s licence at Brooklands, which was issued in May 1913. With the declaration of the first world war, Strain joined the Royal Naval Air Service and served as a seaplane pilot on HMS Ark Royal between 1914 and 1918, seeing service in the Dardanelles, Gallipoli and Salonika. After the first world war, he married Ellen Margaret Howard in 1921 in Sussex. Research into his second world war service is still ongoing, as little information is available, but his name appears in the operational records of the early reconnaissance work carried out by the RAF in the second world war. He passed away after the war, in 1952, in Maybole, Ayrshire. The second was Flight Lieutenant Alastair Gibb. Alastair was born in 1918 in the Hillhead area of Glasgow, the son of Alexander and Margaret Gibb. Little is known of his early life except that, after joining the RAF, he trained as a pilot and after converting to Spitfires he joined 16 Photographic Reconnaissance Squadron, based in liberated Belgium. On 18 September 1944 he was scheduled to fly a reconnaissance sortie, but his Spitfire crashed, for reasons unknown, almost immediately after take-off and 25-year-old Alastair was killed instantly. Both pilots are examples of the many who worked tirelessly and often alone, risking everything to gather the intelligence that shaped allied strategy and saved countless lives. That is why the planned memorial to the unit is so important. It will serve not just as a memorial to those who gave their lives, but as a lasting tribute to the often-overlooked contributions of those who worked behind the scenes—or, in this case, high above the battlefield. We owe it to them to remember their names, tell their stories and ensure their legacy lives on for generations to come.

• 16 Jul 2025 · Credit Unions · Hansard source

  More

  I agree that although we need robust regulation, we need to ensure that it is supportive of credit unions, particularly at a time when many communities need them more than ever and the challenge of organisations that seek to exploit vulnerable communities is very much at the fore. Credit unions as institutions act as important protections against pernicious credit and debt systems such as buy now, pay later schemes. Since 2020, the market for buy now, pay later has more than quadrupled. There are reports of many in the UK getting into unsustainable debt because of balancing multiple buy now, pay later services to pay for essential groceries and other supplies. Unlike the work of credit unions, buy now, pay later schemes can use the cost of living crisis to market aggressively, targeting vulnerable consumers. They are often debt traps for the worst off in society. While I support the Government’s planned new rules, which will ensure that buy now, pay later users will gain stronger rights and clearer protections, we must also do more to promote positive alternatives such as credit unions. These not-for-profit organisations exist to support their members, not to extract profit. They are local financial institutions that provide responsible lending and financial health advice, and they are safely regulated. In a world with loan sharks preying on the vulnerable, and tech companies creating debt prisons through unregulated consumer debt, we must support credit unions. If we do not, not just individuals but our economy and society will be worse off without them.

• 16 Jul 2025 · Credit Unions · Hansard source

  More

  It is a pleasure to serve under your chairship, Mr Twigg. I commend my hon. Friend the Member for Cumbernauld and Kirkintilloch (Katrina Murray) for securing the debate and for her speech highlighting the importance of credit unions, both now and in the future. As financial co-operative organisations, credit unions are a force for good in many communities and workplaces. They exist to support their members, not to maximise profit. They encourage savings and provide financial education and affordable loans, all the while circulating the money within their membership communities, which are bound together through a common bond, often based on a workplace or location. More than ever, it is vital for that type of organisation to be available in communities that are currently struggling with the cost of living crisis and are vulnerable to predatory credit and debt organisations. It is the place of responsible Government to support these organisations and their efforts to promote financial inclusion, wellbeing and stability. As already mentioned, there is variety and diversity in credit unions. There are large credit unions, such as Scotwest credit union in my constituency, which is one of the largest in the UK. It has over 36,000 members and, as of September 2024, a loan book of £68.9 million. It describes its mission as being focused on broadening financial inclusion, supporting members’ financial wellbeing and security, and strengthening local communities, all while promoting environmental sustainability through responsible lending and consumption. There are also local, community-based credit unions, such as Ruchill credit union, which was set up in my constituency, and workplace and employment-based credit unions, such as the Transport credit union in my constituency. The diverse range of credit unions offers responsible lending while promoting co-operative values. That is why, as my hon. Friend the Member for Cumbernauld and Kirkintilloch mentioned, it is concerning to hear reports that the Financial Ombudsman Service, which is responsible for resolving disputes between financial institutions and their consumers, is using commercial lending rules to make legally binding judgments on credit unions. The sector has raised concerns that credit unions are now being held to the Financial Conduct Authority’s consumer credit sourcebook rules, even though they do not legally apply to credit unions. As our credit unions are already under pressure and often based in low-income communities, that weakens the legal certainty and operational viability of the sector at a time when it is more necessary than ever.

• 10 Jul 2025 · Business of the House · Hansard source

  More

  Will the Leader of the House make time for a debate on the accessibility of banking services for disabled people and those with additional support needs? That would follow concerns raised with me by the banking campaign steering group—part of the Advisory Group in Glasgow, based in my constituency—which reports widespread discrimination, branch closures and exclusion from cashless-only businesses, prompting its campaign for more inclusive banking.

• 7 Jul 2025 · Topical Questions · Hansard source

  More

  T9. What steps is the Home Office taking to ensure that Palestinian students awarded scholarships to UK universities can obtain visas and travel to the UK to take up their places?