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1141689

registered interest
date	24/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Health Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many and what proportion of people in the UK have private medical insurance.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	281774
answer	answer is ministerial correction date of answer 03/09/2019 answer text <p>The Government monitors the insurance market and is responsible for setting the overall legal framework of financial services regulation.</p><p> </p><p>The Government does not hold information on the amount spent on private medical cover, or on the number and proportion of people in the UK with private medical insurance.</p><p> </p><p>However, data from the Office for National Statistics reports that total expenditure on voluntary health insurance was £6 billion in 2017.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 281775 question first answered 03/09/2019 07:04:19 answering member 4051 label Biography information for John Glen
tabling member	4397 label Biography information for Peter Dowd

1141690

registered interest
date	24/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Health Insurance: Expenditure
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how much was spent on private medical health cover in the UK in 2018.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	281775
answer	answer is ministerial correction date of answer 03/09/2019 answer text <p>The Government monitors the insurance market and is responsible for setting the overall legal framework of financial services regulation.</p><p> </p><p>The Government does not hold information on the amount spent on private medical cover, or on the number and proportion of people in the UK with private medical insurance.</p><p> </p><p>However, data from the Office for National Statistics reports that total expenditure on voluntary health insurance was £6 billion in 2017.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 281774 question first answered 03/09/2019 07:04:19 answering member 4051 label Biography information for John Glen
tabling member	4397 label Biography information for Peter Dowd

1141731

registered interest
date	24/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Help to Buy Scheme: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many people have benefited from the Help to Buy ISA in (a) north east Scotland and (b) West Aberdeenshire and Kincardine; and what the cost to the public purse was of that policy in those areas since the introduction of that scheme.
tabling member constituency	West Aberdeenshire and Kincardine
tabling member printed	Andrew Bowie
uin	281795
answer	answer is ministerial correction date of answer 05/09/2019 answer text We do not hold Help to Buy: ISA data specifically for the North East of Scotland or West Aberdeenshire and Kincardine. However, since the introduction of the scheme, the number of First Time Buyers that have benefitted from the Help to Buy: ISA in Scotland is 20,921, with 629 being in Aberdeenshire. The value of the bonuses paid to help people onto the housing ladder in Scotland is £23,230,645 and of this, £738,986 worth of bonuses were paid in Aberdeenshire.<p> </p>This information is available in the Help to Buy: ISA accompanying tables as of March 2019 available here: <a href="https://www.gov.uk/government/statistics/help-to-buy-isa-scheme-quarterly-statistics-december-2015-to-march-2019" target="_blank">https://www.gov.uk/government/statistics/help-to-buy-isa-scheme-quarterly-statistics-december-2015-to-march-2019</a> answering member constituency Salisbury answering member printed John Glen question first answered 05/09/2019 10:03:31 answering member 4051 label Biography information for John Glen
tabling member	4601 label Biography information for Andrew Bowie

1141759

registered interest
date	24/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure people are able to access cash.
tabling member constituency	South Holland and The Deepings
tabling member printed	Sir John Hayes
uin	281594
answer	answer is ministerial correction date of answer 03/09/2019 answer text <p>The Government recognises that widespread free access to, and acceptance of, cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK.</p><p> </p><p>In Spring 2018, the Government conducted a Call for Evidence on Cash &amp; Digital Payments in the New Economy. In the recent response to this Call for Evidence, the Government committed to supporting digital payments whilst safeguarding access to cash for those who need it. Furthermore, the Government announced the launch of the Joint Authorities Cash Strategy (JACS) Group, which brings together the Payment Systems Regulator (PSR), Financial Conduct Authority and Bank of England to ensure a comprehensive oversight of the overall cash infrastructure in light of changing trends related to cash.</p><p> </p><p>The Government established the PSR in 2015, with robust powers and a statutory objective to ensure that the UK's payment systems work in the interests of their users. The PSR regulates LINK, the scheme which runs the UK’s ATM network, and has used its powers to hold LINK to account over LINK’s commitments to preserve the broad geographic spread of the ATM network.</p><p> </p><p>Furthermore, the Government has invested heavily in maintaining a stable network of Post Office branches, with investment of over £2 billion since 2010. Currently, 99 per cent of personal customers and 95 per cent of small business customers can access cash locally at one of the Post Office’s 11,500 branches.</p> answering member constituency Salisbury answering member printed John Glen question first answered 03/09/2019 07:03:13 answering member 4051 label Biography information for John Glen
tabling member	350 label Biography information for Sir John Hayes

1141425

registered interest
date	23/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Sutton
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what information the Treasury holds on the number of (a) free-to-use and (b) fee-charging ATMs in the London Borough of Sutton in each year since 2015.
tabling member constituency	Carshalton and Wallington
tabling member printed	Tom Brake
uin	280901
answer	answer is ministerial correction date of answer 03/09/2019 answer text <p>The Government does not hold information on the number of ATMs in the London Borough of Sutton. Data on the annual total number of ATMs in the UK since 1998 – including the split between free-to-use and pay-to-use ATMs – is publicly available on the LINK website. LINK also publish information on ATM numbers by Parliamentary Constituency for recent periods. Furthermore, LINK publish monthly data on their Financial Inclusion Programme.</p><p> </p><p>The Government-established Payment Systems Regulator (PSR) continues to monitor developments in ATM provision. The PSR has used its powers to hold LINK to account over its commitments to preserve the broad geographic spread of the ATM network.</p> answering member constituency Salisbury answering member printed John Glen question first answered 03/09/2019 07:03:01 answering member 4051 label Biography information for John Glen
tabling member	151 label Biography information for Tom Brake

1141474

registered interest
date	23/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Institutions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether the Government plans to bring forward a review of legislation for Co-op societies, Credit Unions and Community Benefit Societies as proposed by the Financial Conduct Authority in its 22 July 2019 report Alternatives to high-cost credit.
tabling member constituency	Harrow West
tabling member printed	Gareth Thomas
uin	280908
answer	answer is ministerial correction date of answer 03/09/2019 answer text <p>In 2014, the Government undertook a call for evidence to understand the appropriate steps that could be taken to support the credit union sector. Subsequently, the maximum interest a credit union can charge on loans was raised from 2% to 3% per month, and the upper limit on the geographical common bond was raised from 2 to 3 million people.</p><p> </p><p>The Government continues to be open to considering the case for further reform. ABCUL, the sector’s largest trade body, is currently carrying out a sector-wide consultation which is due to conclude later this year. HMT will consider its conclusions in the development of future credit union policy.</p><p> </p><p>At Autumn Budget 2018, the Government also announced a package of measures to support the availability of affordable credit, including:</p><p>o A £2 million affordable credit challenge fund, harnessing the UK’s FinTech sector to address challenges faced by social and community lenders, including credit unions.</p><p>o A change in the regulatory boundary of credit broking to make it easier for registered social landlords such as housing associations to refer their tenants to social and community lenders.</p><p>o A prize-linked savings pilot scheme, to encourage the growth of the credit union sector and encourage consumers to build up their personal savings. We hope credit unions will be able to use the deposits gained from their participation in the scheme to increase their overall lending.</p><p>o A feasibility study to design a pilot for a UK No-Interest Loans Scheme.</p> answering member constituency Salisbury answering member printed John Glen question first answered 03/09/2019 08:11:12 answering member 4051 label Biography information for John Glen
tabling member	177 label Biography information for Gareth Thomas