HM Treasury should, within six months, publish a fuller quantitative analysis of the scale, causes and distribution of financial exclusion in the UK. Drawing on existing sources, including the FCA’s Financial Lives Survey, this should identify who is excluded, where exclusion is concentrated geographically, which products and services people are excluded from, and why. It should also set out how HM Treasury will use those data sources to measure progress over time, and where further data is needed. (Recommendation, Paragraph 17)