We welcome the government’s commitment to review progress against the Strategy at the two-year mark. However, a two-year review without published baselines and milestones will not inform Parliament to judge whether the Strategy is on track. Reporting that working groups have met, pilots have started and stakeholders have been consulted does not show whether financial exclusion has reduced. Without baselines, targets, named owners, firm-level data and regular reporting, the two-year review risks describing activity rather than showing whether the Strategy is working. (Conclusion, Paragraph 24) 16