HM Treasury should strengthen the governance of the Financial Inclusion Committee, its sub-committees and any implementation groups. For sub- committees and implementation groups, HM Treasury should publish membership, terms of reference and meeting frequency. It should ensure that consumer, civil society and representatives with lived experience of financial exclusion have sufficient weight and voice in the process, including by recording where they disagree with industry-led proposals and explaining how those disagreements have been considered. (Recommendation, Paragraph 46) 18