Speeches by Yang.

“Do you see some of those concerns still present today in terms of the balance between client-facing regulation and consumer-facing regulation?”

“Yes, exactly. I would love to ask Mr Geale what more you think can be done for those platforms. Which regulators do you think that belongs to, given the large number of regulators in the advertising and social media enforcement space?”

“You also have that role in incentivising the industry to improve itself. You mentioned in your response to Ms Blake the challenge from the fintech community around the reimbursement cap. I am sure that in many places you will be challenging the industry to improve its practices, sometimes criticising and sometimes impr…”

“As an MP who has had constituents come to me with their experiences of APP fraud that have completely changed their lives for the worse, thank you for your work. I hope that the consolidation into the FCA means that that work will continue at full pace as well.”

“In terms of the costs of APP fraud, we have just had the conversation about the limit on maximum reimbursements. That is borne by banks and other financial firms. Do you believe that, in the future, social media firms should bear some of that cost for fraud originating on their platforms?”

“Currently, which regulators do you work with most on the root causes of social media APP fraud?”

“That would be great. Finally, I noticed that you published again the league table on reimbursement rates from banks. There was quite a big range from around 9% to 88% within banks. What was the reception like to that league table from the industry?”

“Ms Walsh, I noticed that you smiled in response to that.”

“In terms of the kinds of people who report online fraud, I noticed that there was a remark in your report about younger people reporting it more. I was wondering whether you had more demographic data about the victims of fraud that you are planning to publish.”

“So for example Facebook would eventually pay for frauds originating on Facebook?”

“In terms of future risks, in your questionnaire you write that there is still some way to go to set clear supervisory expectations for the management of climate risk. Could you say a little bit about where you think the biggest gaps are when it comes to the management of climate risk and what the PRA should be doing ab…”

“Mr Soanes, you have said in your questioner that you do not intend to give public speeches other than, of course, as part of your schools outreach work. Could you explain your decision not to give speeches and speak a bit more about how to improve transparency when it comes to knowing how well the PRC is doing?”

“I rise to present a petition on behalf of the residents of Reading and supporters of Reading football club. Over 600 people have signed the paper petition and over 10,000 have signed an online version, showing the strength of feeling from local fan groups who wish to keep our club alive. Reading is not the only club to…”

“I beg to move, That this House has considered the financial sustainability and governance of English football. It is a pleasure to serve under your chairship, Mr Turner. Clubs across the country face unsustainable finances and poor governance, which is why so many MPs have gathered here to represent their local clubs. …”

“I very much agree. Stadiums are also vital community assets. I look forward to one day seeing Reading beat Oxford at the new Kidlington stadium. What the EFL has at present is the use of fines. The owners of Reading have been fined on numerous occasions for failing to fund their monthly wage bill, but that has not chan…”

“That is absolutely the case. My hon. Friend highlights the history of his club in Brighton. In the ’80s and ’90s when the future was unclear, it was down to the owners. Too much, unfortunately, is down to, as he mentioned, the lottery of ownership. Brighton and Hove is now a well-managed club. I think we can have many …”

“The referee is very clear that I cannot give way. I pay tribute to those hon. Members who mentioned the importance of non-league clubs and of Scottish clubs, which are not covered by English football regulation. However, given that this is a Backbench Business debate, as I remind the shadow Minister, we can cover all t…”

“I thank all hon. Members who have made speeches or interventions today. I also thank the Minister for her response and reassurance that she and this Government will continue to take seriously the real and pressing need for better football governance in this country. I am glad that she mentioned this Government’s amendm…”

“I agree with my hon. Friend. Parachute payments skew the financial incentives in the game. I also agree that we do not have the full competition that would allow clubs to play their best game, which is what we fans want to see. Why does all of this matter? It is about the community at the end of the day. Some might say…”

“I always appreciate my fellow Treasury Committee member’s comments on the correct regulation of markets, but I would argue that football clubs are not simply a commodity and football competition is not simply a market. If we were to accept that view and for the sake of argument say, “Let’s treat the competitions as a m…”