On the 18 December 2017 Baroness Tyler of Enfield led a debate on the report of the Select Committee on Financial Exclusion – Tackling Financial Exclusion: A country that works for everyone? (Session 2016-17, HL Paper 132). The Bishop of Birmingham, the Rt Revd David Urquhart was a member of the Committee, and spoke in the debate:The Lord Bishop of Birmingham: My Lords, as we resume the debate on Tackling Financial Exclusion: A Country that Works for Everyone?, there can be no more poignant reminder of the issues raised in the committee’s report and the seriousness with which we need to take its challenge. As the Bishop of Kensington said in the service [for Grenfell Tower survivors and community] just mentioned by the noble Lord, Lord Bourne, we can be too wrapped up in our own interests and prosperity, but we might just now turn outwards towards each other—a society known for listening, compassion and love.
On 14th December 2017 the Bishop of St Albans, Rt Revd Alan Smith, received a written answer to a question on credit:
The Lord Bishop of Portsmouth: My Lords, one of the duties in which I take particular pleasure is chairing the governors at Ripon College, Cuddesdon, just outside Oxford, a theological college at which men and women are prepared for ministry. It is known by those associated with it more colloquially as a vicar factory. Notices around the college remind the residents that, after night prayer or Compline, they are expected to abide by what is known as the great silence. It is not, I suspect, adhered to with the same severity as in years past. Indeed, one has a sense that the silence masks all kinds of feverish activity, all of it associated with theology, of course.
“The Chancellor’s Budget has gone some way to deal with the immediate problems facing our economy, housing and NHS, but it could have gone much further to help the many at the sharp end struggling to get by.
The Lord Bishop of St Albans: My Lords, I am deeply concerned—as I know are many other Members of this Chamber—about rising levels of household debt in this country. Households in the UK are taking on far more debt than they used to and overall are taking on more debt than they bring home in income. While the ratio of household debt to income has not yet eclipsed the 160% peak hit in early 2008, it currently hovers around 140%, a dramatic shift from the ratio of 95% in 1997.
The Lord Bishop of St Albans: My Lords, a poll commissioned by Citizens Advice in June found that 18% of people with credit cards who had debt problems had had their credit limits increased automatically without them even asking for it, thereby enabling them to take on even greater debt when they were already facing problems. I understand that the FCA is looking into this, but will the Minister ensure that it is asked to bring in much stronger guidelines on this situation to prevent it getting worse? 
On the 6th September 2017 Lord Leigh of Hurley asked Government “whether it is their policy to reduce unnecessary regulation of financial services; and if so, whether they intend to review current Financial Conduct Authority practices to ascertain whether that regulator is going beyond what is appropriate and necessary to fulfil that policy.” The Bishop of Southwark, the Rt Revd Christopher Chessun asked a follow up question:
The Church of England in Parliament 
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