I should say that I'm a member of the Cardiff and Vale Credit Union myself, as well as being a proud Welsh Labour and Co-op Member. I've previously had ministerial responsibility for credit unions, and they do provide additional access to financial services for vulnerable individuals and families, but more than that, they also provide facilities for businesses too. They're part of the infrastructure that we have, but it's not as well developed or as embedded as in Ireland, where they are a mainstream part of normal financial services. You can expect, in most towns, to find credit unions with offices and facilities though the Republic, a position I know well from the other side of my family.

I do think, though, that part of our challenge is how we continue to support credit unions with the mission to help provide financial services to people who are often excluded from traditional banking, alongside what we're doing in creating a new community bank to make sure that there are viable lines of credit for individual community and business use. That's what this Government is committed to, and I'm sure that the Minister for Social Justice will be more than happy to update the Chamber on the work that we are doing to do just that.