Martin Rhodes MP: speeches

Speeches

• 27 Nov 2025 · Topical Questions · Hansard source

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  T5. What assessment has the Secretary of State made of how hosting UEFA Euro 2028 will benefit communities across the UK, particularly through its social impact programme?

• 27 Nov 2025 · Budget Resolutions · Hansard source

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  I welcome the Budget set out yesterday by the Chancellor. The Labour party was founded on the principles of social justice, redistribution and universal rights, and the progressive nature of the Budget helps to deliver on those principles. It will ensure that the very wealthiest households pay a fair share to support public services. On average, households on the lowest incomes benefit the most from this Budget and last year’s Budget policy decisions, while the increases in tax are concentrated on the highest earners. In practical terms, 90% of households will see an average net income benefit, while the richest 10% will contribute more. We are tackling the cost of living by cutting energy bills, increasing wages and protecting the value of the state pension. This Labour Budget delivers an average of £150 off energy bills. The Budget also raises both the national living wage and the national minimum wage, putting money directly into the pockets of working people. For older people in our communities, the increase in the state pension means that 1.1 million pensioners in Scotland will be better off. All those are tangible differences that people will notice in their everyday life, thanks to this Labour Budget. The removal of the two-child cap on universal credit will help to reduce poverty across the country, including in my constituency of Glasgow North, where 2,130 children will be better off. We are delivering that through a progressive Budget, but there is more to do across a whole range of Government Departments. I very much welcome the removal of the two-child cap, but we need to look at other policy areas, too. That is why I welcome the fact that in their mission to end child poverty, the Government and their taskforce are not just looking at the social security levers, hugely important though they are, but identifying all the levers available. The Budget invests in Scotland. It has made an extra £820 million available for investment in our public services in Scotland, taking the additional funding to date for the Scottish Government to over £10 billion under this Labour Government. What we need now is a Scottish Government who will use those resources to invest in our public services and not fail to spend them. We need a Scottish Government who are focused on delivering for and with the people of Scotland, not focused on division and constitutional posturing. This Labour Government, with this Labour Budget, are building a stronger and fairer country; one where living standards rise, child poverty falls and public services are renewed. This is a fair Budget, a redistributive Budget, a Labour Budget, and it is a privilege to support it.

• 26 Nov 2025 · Cost of Living · Hansard source

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  What discussions has the Secretary of State had with the Chancellor of the Exchequer about the impact on Scotland of the increase to the national living wage?

• 22 Oct 2025 · Financial Inclusion · Hansard source

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  I certainly agree. Later in my speech, I will come on to the issues of access to cash and face-to-face financial services. All the groups that I have mentioned face barriers, but an area of particular concern that I wish to focus on this morning is financial inclusion for disabled people. Much of my thinking on the issue has been informed by the hard work of the Advisory Group, or TAG, a Scottish charitable incorporated organisation run by and for people with disabilities and abilities. Glasgow TAG’s banking campaign steering committee came together in response to growing frustration among TAG members about how banking is excluding them, both in terms of access and in terms of treatment. They have highlighted to me the very real financial exclusion that they face in everyday life. A key issue that the group has raised with me is access to cash. Many members rely on cash for daily budgeting. The shift to card-only businesses and the closure of free-to-use ATMs are leaving people unable to spend their own money. Quarriers, one of Scotland’s largest social care charities, reports that 76% of people with learning disabilities rely on support with their finances, and the same proportion use bank cards to withdraw cash. In my constituency, we have seen a 22% decrease in free-to-use ATMs between 2019 and 2025. This has created cash deserts, where communities are left without access to cash machines, and those that remain often charge for withdrawals or are inside premises with closing times. I hope that the Minister will engage with the issue and acknowledge the importance of continued free access to cash for financial inclusion. The second issue that TAG has raised is discrimination in branches. TAG members have shared experiences of being ignored in favour of support workers, denied access to their own accounts or treated with suspicion. There is a strong feeling among TAG members who have spoken to me that financial institutions are not doing enough to meet their obligations under the Equality Act 2010. Will the Government consider supporting mandatory disability awareness and equality training in banking institutions, to help prevent such incidents?

• 22 Oct 2025 · Financial Inclusion · Hansard source

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  I agree that there is a need for face-to-face services. Many people rely on that face-to-face support, so access to banking services through banking hubs is important. I welcome the Government’s roll-out of the hubs, and I look forward to what the Minister has to say about how the scheme will be developed. Beyond the issues that TAG raised with me, there are many other disabled groups with particular needs, such as blind and partially sighted people. The Royal National Institute of Blind People has reported that only two in five blind and partially sighted people manage their finances independently, and over half of those who do not do so say that it is because of their sight loss. The common reasons that they cite are a lack of confidence and facilities no longer being available. Other experiences of financial exclusion that they report include information not being in an accessible format, a lack of trained bank branch staff and a lack of digital literacy for the transition to digital banking. That is just one example that shows how a truly inclusive financial system will have to be tailored and adaptable to the needs of a diverse range of people. These are reasons why the financial inclusion strategy must be informed and shaped by the experience of people with disabilities and abilities. The Government must facilitate a proper dialogue between banks and disability groups. Disability-sensitive staff training is needed. Access to cash needs to be protected, including with more free ATMs and inclusive banking hubs. More broadly, the Government must tackle barriers to individuals’ and households’ ability to access affordable and appropriate financial products and services.

• 22 Oct 2025 · Financial Inclusion · Hansard source

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  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.

• 16 Jul 2025 · Credit Unions · Hansard source

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  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.