Child Trust Fund
The question
To ask the Secretary of State for Justice, pursuant to the answer of 1 December 2025 to question 94597, what information his Department holds on the proportion of the 80,000 families affected by locked Child Trust Funds who will have gained access to those funds within the next three years.
Answered by Alex Davies-Jones
The Ministry of Justice does not hold this information. Capacity to manage financial affairs is decision-specific and cannot be determined simply by reference to any disability or condition a person may have. Capacity can also fluctuate over time.
Using the current legal processes, all Child Trust Funds, where the account holder lacks mental capacity, can be accessed by a parent or carer who obtains legal authority to manage those funds. This can be done by making an application to the Court of Protection. Authority can be obtained in advance of the account holder reaching age 18, and in many cases no court fee will be payable.
A toolkit for parents and carers Making Financial decisions for young people who lack capacity Making financial decisions for young people who lack capacity: A toolkit for parents and carers - GOV.UK was published in June 2023 and explains the process.
The Ministry of Justice is considering what further steps could be taken to raise awareness of the current law and improving the court process while maintaining necessary safeguards.
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