getting a raw deal from the banks, with increased charges and limited credit. The board of Wimborne business improvement district is exploring the possibility of setting up a "bank" of Wimborne in conjunction with a local credit union, the idea being to go back to old-style banking with strong local relationships. What comment would the Minister make about that? Michael Fallon: I know that my right hon. Friend the Secretary of State has already met my hon. Friend's constituents to discuss the issue, and I believe that he has already met the founder of the Bank of Dave as well. One of the recommendations of the Independent Commission on Banking was that the Financial Services Authority should look again at the requirements for a banking licence, to see whether they are too onerous and disproportionate for the providers of very small credit. We expect the FSA to publish its recommendations shortly and I would be very happy to discuss them with my hon. Friend. Mr Mike Weir (Angus) (SNP): Many small businesses in my constituency run a post office as part of their business, and they are very worried about the chipping away of business and, particularly, the threat of losing the DVLA contract. What is the Minister's Department doing to encourage the DVLA to stick with the Post Office? Michael Fallon: I cannot comment on any specific contract that may be up for renewal. Of course, the Post Office has to live in a competitive world, but I will