I am extremely grateful for the support of all noble Lords who have spoken. I am especially grateful to the noble Lord, Lord Deben, for his forceful reminder—several times—that this kind of cold calling activity should have no place in our society. It is not necessary, it is damaging, it lures otherwise honest people into crime and it is morally repugnant. Thinking about what the Minister said, I feel that she was right at the beginning: she did disappoint the House.
6.30 pm
I do not propose to restart the discussion but the question remains. I am wholly unconvinced by the disquisition on the fine differences between mortgages, pensions and cold calling for CMCs. I am sure the argument about that will continue. Since the Minister talked about letting the FCA deal with this in some timely manner, I also gently point out that our amendment does not force the FCA to do anything except to ban cold calling by the best means possible. It leaves it to the FCA to figure out what that is—that is all the amendment does. The strong feeling in the Committee is quite clear, so although I will withdraw Amendment 72 now, I am certain that we will want to return to this issue on Report. I beg leave to withdraw the amendment.