It is a pleasure to serve under your chairmanship, Ms Ghani. The Government recognise the scale and impact of fraud on victims, noting that it accounted for over a third of all estimated crime in the year ending September 2020. The Minister highlighted three key areas for tackling fraud: prevention, catching criminals responsible, and supporting victims. Prevention efforts include the National Cyber Security Centre's suspicious email reporting service which has led to more than 5.5 million reports, with over 41,000 scams and 81,000 websites taken down. The Minister mentioned working closely with industry to develop fraud charters and initiatives like the Dedicated Card and Payment Crime Unit and telecoms company partnerships. Regarding the online safety Bill, ongoing discussions are taking place on its scope. Tomorrow, my noble Friend Baroness Williams of Trafford will meet tech companies to discuss preventing fraud and protecting the public. The Government are committed to legislative and non-legislative approaches, including a new framework for a fraud action plan to be published later this year. They aim to give law enforcement tools to tackle fraudsters and protect vulnerable individuals, while also working with the financial sector to promote reimbursement consistency across the board.