Dormant Bank and Building Society Accounts Bill [Lords]

That is a helpful clarification. It would obviously be much easier for a member of the public to identify the offending banks—those that had not entered into the spirit of the legislation—if there were a list of banks that had not participated rather than a list of those that had, which would mean trying to work out which names were not on the list. This is difficult territory. It could be argued that if a scheme is made voluntary and huge moral pressure is then put on bodies to comply, it is voluntary in name only.