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857714

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services: Travellers
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps he has taken to encourage the banking sector to improve financial inclusion for Gypsies and Travellers.
tabling member constituency	Hampstead and Kilburn
tabling member printed	Tulip Siddiq
uin	131615
answer	answer is ministerial correction date of answer 16/03/2018 answer text <p>The Government is committed to ensuring that individuals, regardless of their background or income, have access to useful and affordable financial products and services. The Equality Act 2010 protects all individuals, including Gypsies and Travellers, against racial and other forms of discrimination.</p><p> </p><p>The Payment Accounts Regulations 2015 require the nine largest personal current account providers in the UK to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account. The regulations also state that when a customer applies for an account, firms must not discriminate by reason of the customer’s place of residence, and that the conditions applicable to holding a basic bank account must not be discriminatory.</p><p> </p><p>In order to open a basic bank account, firms will need to verify their customers’ identities, which generally includes verifying their addresses. While the way in which firms choose to do this is not stipulated in law or by the regulator, firms are assisted in making such policies through industry produced guidance notes. For the financial institutions, these are the Joint Money Laundering Steering Group (JMLSG) guidance notes.</p><p> </p><p>The JMLSG guidance notes acknowledge that if Travellers are not able to produce standard identification evidence, and if verification of address is necessary, a check with the local authority, which has to register travellers’ sites, may sometimes be helpful.</p><p> </p><p>More widely, the Government has also committed to establish a Financial Inclusion Policy Forum, which will provide leadership and ensure collaboration across government and with the sector in tackling financial exclusion.</p><p> </p> answering member constituency Salisbury answering member printed John Glen question first answered 16/03/2018 11:26:18 answering member 4051 label Biography information for John Glen
tabling member	4518 label Biography information for Tulip Siddiq

857741

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Apprentices: Minimum Wage
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what information his Department holds on the number of (a) male and (b) female apprentices who were paid less than the minimum wage in (i) the West Midlands and (ii) the UK in the last 12 months.
tabling member constituency	Coventry South
tabling member printed	Mr Jim Cunningham
uin	131642
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>I refer the hon Member to the answer given to the hon Member for Newcastle upon Tyne North (Catherine McKinnell) on 12 March to PQ UIN 131487.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 13/03/2018 16:33:12 answering member 3935 label Biography information for Mel Stride
tabling member	308 label Biography information for Mr Jim Cunningham

857779

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Combined Heat and Power: Taxation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received an exemption from the carbon price floor for fuels used in small combined heart and power stations in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131680
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>HMRC does not hold sufficiently detailed information on the beneficiaries of these reliefs to be able to answer these questions.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131681 question first answered 13/03/2018 13:10:52 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857780

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Oil: Taxation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received an exemption for oil used to generate electricity where that electricity is not subject to the Climate Change Levy in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131681
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>HMRC does not hold sufficiently detailed information on the beneficiaries of these reliefs to be able to answer these questions.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131680 question first answered 13/03/2018 13:10:52 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857781

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aggregates Levy
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received an exemption from the aggregates levy for china clay waste and ball clay waste in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131682
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>To minimise administrative burden on business, HMRC’s Aggregates Levy returns do not require taxpayers to specify which relief applies to material that is not subject to tax. It is therefore not possible to establish how many taxpayers benefited from these reliefs.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131683 131684 131685 question first answered 13/03/2018 13:08:20 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857782

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aggregates Levy
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received an exemption from the aggregates levy for building (dimension) stone in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131683
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>To minimise administrative burden on business, HMRC’s Aggregates Levy returns do not require taxpayers to specify which relief applies to material that is not subject to tax. It is therefore not possible to establish how many taxpayers benefited from these reliefs.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131682 131684 131685 question first answered 13/03/2018 13:08:20 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857783

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aggregates Levy
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received an exemption from the aggregates levy for material arising from utility works in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131684
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>To minimise administrative burden on business, HMRC’s Aggregates Levy returns do not require taxpayers to specify which relief applies to material that is not subject to tax. It is therefore not possible to establish how many taxpayers benefited from these reliefs.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131682 131683 131685 question first answered 13/03/2018 13:08:20 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857784

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aggregates: Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people received relief for aggregate exported from the UK in (a) 2015-16, (b) 2016-17 and (c) 2017-18.
tabling member constituency	Bootle
tabling member printed	Peter Dowd
uin	131685
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>To minimise administrative burden on business, HMRC’s Aggregates Levy returns do not require taxpayers to specify which relief applies to material that is not subject to tax. It is therefore not possible to establish how many taxpayers benefited from these reliefs.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 131682 131683 131684 question first answered 13/03/2018 13:08:21 answering member 4320 label Biography information for Robert Jenrick
tabling member	4397 label Biography information for Peter Dowd

857832

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the progress made by the banking sector on meeting the needs of vulnerable consumers.
tabling member constituency	Belfast South
tabling member printed	Emma Little Pengelly
uin	131733
answer	answer is ministerial correction date of answer 13/03/2018 answer text <p>The Government believes it is vitally important that the banking sector meets the needs of vulnerable consumers. The nine largest personal current account providers in the UK are legally required to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account. The Treasury’s December 2017 publication shows that in total there are nearly 8 million basic bank accounts open in the UK, and that just over 900,000 new accounts were opened between July 2016 and June 2017.</p><p> </p><p>The Government has also given the Financial Conduct Authority (FCA), the independent conduct regulator for the financial services sector, a statutory objective to protect consumers. The FCA continually assesses whether the banks they regulate are meeting the rules regarding the needs of vulnerable consumers.</p><p> </p><p>UK banks’ treatment of their customers is governed by the FCA in its Principles for Businesses, as well as specific requirements in its Handbook. The FCA's Principles require firms to conduct their business with due skill, care and diligence, and to pay due regard to the interests of its customers and treat them fairly.</p><p> </p><p>Understanding vulnerability is central to how the FCA makes decisions. At the end of last year, the FCA published its ‘Approach to Consumers’ Paper, which details how the FCA measures the effects of its actions on consumers, particularly with respect to access and vulnerability. This was a consultation and the FCA plans to publish its Final Approach to Consumers Paper later this year.</p><p> </p> answering member constituency Salisbury answering member printed John Glen question first answered 13/03/2018 13:50:27 answering member 4051 label Biography information for John Glen
tabling member	4611 label Biography information for Emma Little Pengelly

857858

registered interest
date	08/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department has made an assessment of the potential merits of extending the total cost cap on payday lending to high-cost credit products.
tabling member constituency	Hampstead and Kilburn
tabling member printed	Tulip Siddiq
uin	131758
answer	answer is ministerial correction date of answer 16/03/2018 answer text <p>The Government is committed to protecting consumers from unfair lending practises. To this end, the government has given the Financial Conduct Authority (FCA) strong powers, including the power to cap the cost of credit, and it will do so if it thinks it is necessary to protect consumers.</p><p> </p><p>The FCA is conducting a review of the high-cost credit market, and will publish a substantive update in May. The government will continue to work closely with the FCA to ensure that all customers are treated fairly.</p> answering member constituency Salisbury answering member printed John Glen question first answered 16/03/2018 11:23:25 answering member 4051 label Biography information for John Glen
tabling member	4518 label Biography information for Tulip Siddiq