Proposes a Bill to ensure access to in-person banking services, highlighting challenges faced by constituents and older people due to branch closures. Reports that over 6,600 bank branches have closed since 2015, affecting millions of individuals who cannot manage their money online. Emphasises the importance of face-to-face banking for resolving issues like fraud and providing necessary assistance. Proposes a model to shift focus from access to cash to wider in-person banking services, ensuring sustainability and fairness for consumers, banks, and communities.