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1438112

registered interest
date	04/03/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Low Incomes
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what forecast her Department has made of potential changes in the use of consumer credit by low-income families over the next 12 months.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	134416
answer	answer is ministerial correction date of answer 15/03/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of its normal process of policy development. However, it does not routinely forecast consumer credit usage, including use by low-income households.</p><p> </p><p>Retrospective analysis of trends in consumer credit product usage is produced by other organisations, including the Bank of England’s monthly statistical releases on money and credit and the Financial Conduct Authority’s Financial Lives Surveys.</p> answering member constituency Salisbury answering member printed John Glen question first answered 15/03/2022 14:46:16 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1421028

registered interest
date	08/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Barclays: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether officials in his Department have had discussions with representatives of Barclays Bank on its bank closure program.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	120948
answer	answer is ministerial correction date of answer 16/02/2022 answer text <p>Treasury ministers and officials engage with Barclays on a variety of issues.</p><p> </p><p>The Government recognises the continued importance of access to banking. However, decisions on opening and closing branches are a commercial issue for banks and building societies.</p><p> </p><p>The largest banks and building societies have been signed up to the Access to Banking Standard since 2017, which commits them to ensure that customers are well informed about branch closures, the bank’s reasons for closure and options for continued access to banking services.</p><p /><p>Guidance from the Financial Conduct Authority also sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on their customers’ everyday banking and cash access needs and consider possible alternative access arrangements. This ensures that the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p /><p>Alternative options for access can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 120949 question first answered 16/02/2022 13:58:45 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1421029

registered interest
date	08/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to preserve physical banking provision in the UK.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	120949
answer	answer is ministerial correction date of answer 16/02/2022 answer text <p>Treasury ministers and officials engage with Barclays on a variety of issues.</p><p> </p><p>The Government recognises the continued importance of access to banking. However, decisions on opening and closing branches are a commercial issue for banks and building societies.</p><p> </p><p>The largest banks and building societies have been signed up to the Access to Banking Standard since 2017, which commits them to ensure that customers are well informed about branch closures, the bank’s reasons for closure and options for continued access to banking services.</p><p /><p>Guidance from the Financial Conduct Authority also sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on their customers’ everyday banking and cash access needs and consider possible alternative access arrangements. This ensures that the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p /><p>Alternative options for access can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 120948 question first answered 16/02/2022 13:58:45 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1421030

registered interest
date	08/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Access to Cash Review
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, when he plans to publish his Department’s response to the Access to cash consultation.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	120950
answer	answer is ministerial correction date of answer 16/02/2022 answer text <p>The Government recognises that cash remains an important part of daily life for millions of people across the UK, and remains committed to legislating to protect access to cash.</p><p> </p><p>From 1 July to 23 September last year, the Government held the Access to Cash Consultation on proposals for new laws to make sure people only need to travel a reasonable distance to pay in or take out cash. The Government’s proposals intend to support the continued use of cash in people’s daily lives and help to enable local businesses to continue accepting cash by ensuring they can access deposit facilities.</p><p> </p><p>The Government received responses to the consultation from a broad range of respondents, including individuals, businesses, and charities.</p><p> </p><p>The Government is carefully considering responses to the consultation as it develops legislation. The Government will set out next steps in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 120951 question first answered 16/02/2022 13:52:05 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1421031

registered interest
date	08/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Access to Cash Review
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether he plans to bring forward legislative proposals in response to the Access to cash consultation.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	120951
answer	answer is ministerial correction date of answer 16/02/2022 answer text <p>The Government recognises that cash remains an important part of daily life for millions of people across the UK, and remains committed to legislating to protect access to cash.</p><p> </p><p>From 1 July to 23 September last year, the Government held the Access to Cash Consultation on proposals for new laws to make sure people only need to travel a reasonable distance to pay in or take out cash. The Government’s proposals intend to support the continued use of cash in people’s daily lives and help to enable local businesses to continue accepting cash by ensuring they can access deposit facilities.</p><p> </p><p>The Government received responses to the consultation from a broad range of respondents, including individuals, businesses, and charities.</p><p> </p><p>The Government is carefully considering responses to the consultation as it develops legislation. The Government will set out next steps in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 120950 question first answered 16/02/2022 13:52:05 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1419915

registered interest
date	04/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Pay
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the implications for his policies of the findings of the Bank of England Monetary Policy Report of 3 February 2022, that pay has risen by less than prices, such that households real incomes are being squeezed.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	118645
answer	answer is ministerial correction date of answer 09/02/2022 answer text <p>We understand that inflation, if higher than income growth, can reduce households’ real income, and that higher prices can increase the cost of living for people and households.</p><p> </p><p>The government is providing support worth around £12 billion this financial year and next to help families with the cost of living. Much of the support in place that will help ease these pressures is UK-wide, for example the increase to the National Living Wage, the change to the Universal Credit taper rate and increase to the Work Allowance, as well as freezes to alcohol duty and fuel duty.</p><p> </p><p>In addition, the government has announced a package of support to help households with rising energy bills, worth £9.1 billion in 2022-23.</p><p> </p><p>The government’s Plan for Jobs is also helping people into work and giving them the skills they need to progress – the best approach to managing the cost of living in the long term.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 118646 118648 118650 question first answered 09/02/2022 08:14:01 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1419916

registered interest
date	04/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Personal Income
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the implications for his policies of the findings of the Bank of England Monetary Policy Report of 3 February 2022, that real post-tax labour income will fall by 2 per cent in 2022.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	118646
answer	answer is ministerial correction date of answer 09/02/2022 answer text <p>We understand that inflation, if higher than income growth, can reduce households’ real income, and that higher prices can increase the cost of living for people and households.</p><p> </p><p>The government is providing support worth around £12 billion this financial year and next to help families with the cost of living. Much of the support in place that will help ease these pressures is UK-wide, for example the increase to the National Living Wage, the change to the Universal Credit taper rate and increase to the Work Allowance, as well as freezes to alcohol duty and fuel duty.</p><p> </p><p>In addition, the government has announced a package of support to help households with rising energy bills, worth £9.1 billion in 2022-23.</p><p> </p><p>The government’s Plan for Jobs is also helping people into work and giving them the skills they need to progress – the best approach to managing the cost of living in the long term.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 118645 118648 118650 question first answered 09/02/2022 08:14:01 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1419918

registered interest
date	04/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Personal Income
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to the Bank of England Monetary Policy Report of 3 February 2022 projection of a 7.25 per cent inflation rate in April, what steps he is taking to prevent a fall in real incomes.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	118648
answer	answer is ministerial correction date of answer 09/02/2022 answer text <p>We understand that inflation, if higher than income growth, can reduce households’ real income, and that higher prices can increase the cost of living for people and households.</p><p> </p><p>The government is providing support worth around £12 billion this financial year and next to help families with the cost of living. Much of the support in place that will help ease these pressures is UK-wide, for example the increase to the National Living Wage, the change to the Universal Credit taper rate and increase to the Work Allowance, as well as freezes to alcohol duty and fuel duty.</p><p> </p><p>In addition, the government has announced a package of support to help households with rising energy bills, worth £9.1 billion in 2022-23.</p><p> </p><p>The government’s Plan for Jobs is also helping people into work and giving them the skills they need to progress – the best approach to managing the cost of living in the long term.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 118645 118646 118650 question first answered 09/02/2022 08:14:01 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1419920

registered interest
date	04/02/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Disposable Income
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the implications for his policies of the findings of the Resolution Foundation of 3 February 2022 that there will be an average fall in real household disposable incomes of around £1,000 per household in 2022.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	118650
answer	answer is ministerial correction date of answer 09/02/2022 answer text <p>We understand that inflation, if higher than income growth, can reduce households’ real income, and that higher prices can increase the cost of living for people and households.</p><p> </p><p>The government is providing support worth around £12 billion this financial year and next to help families with the cost of living. Much of the support in place that will help ease these pressures is UK-wide, for example the increase to the National Living Wage, the change to the Universal Credit taper rate and increase to the Work Allowance, as well as freezes to alcohol duty and fuel duty.</p><p> </p><p>In addition, the government has announced a package of support to help households with rising energy bills, worth £9.1 billion in 2022-23.</p><p> </p><p>The government’s Plan for Jobs is also helping people into work and giving them the skills they need to progress – the best approach to managing the cost of living in the long term.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 118645 118646 118648 question first answered 09/02/2022 08:14:01 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter

1417352

registered interest
date	27/01/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps she is taking to secure the future of face-to-face debt advice in the UK following the Money and Pension Services’ procurement exercise.
tabling member constituency	Cynon Valley
tabling member printed	Beth Winter
uin	113283
answer	answer is ministerial correction date of answer 04/02/2022 answer text <p>Supporting people in problem debt is a Government priority. This is why the Government provided recorded levels of funding during the pandemic to the Money and Pensions Service (MaPS) for free-to-client debt advice provision in England.</p><p> </p><p>The Government has also given MaPS a statutory duty to have close regard for vulnerable people and is working closely with MaPS regarding its next steps for local debt advice provision.</p><p> </p><p>MaPS has not recommended a 50% reduction in community-based debt advice funding as part of its commissioning exercise. The evaluation of bids on the regional lot of their commissioning exercise was recently completed. The evaluation revealed concerns that the services being offered would not adequately meet the needs of people in vulnerable circumstances at the scale MaPS had hoped to achieve, or provide value for money. Therefore, MaPS will not be awarding contracts under the regional lot at this time.</p><p> </p><p>The Government is working closely with MaPS to provide further information to the bidders and the sector shortly with regards to its commissioning exercise and next steps.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 113284 question first answered 04/02/2022 12:14:24 answering member 4051 label Biography information for John Glen
tabling member	4809 label Biography information for Beth Winter