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1139344

registered interest
date	16/07/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services: Payments
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether he has made an assessment of the potential effect on (a) consumers and (b) businesses of the September 2019 deadline for the introduction of multi-factor authentication on electronic payments.
tabling member constituency	Sheffield, Brightside and Hillsborough
tabling member printed	Gill Furniss
uin	277802
answer	answer is ministerial correction date of answer 22/07/2019 answer text <p>The implementation of Strong Customer Authentication, which mandates two-factor authentication for some online payments, will introduce more secure payments for individuals and businesses.</p><p> </p><p>This was introduced by the second Payment Services Directive. HM Treasury published an impact assessment on the implementation of this EU directive in 2017.</p><p> </p><p>In an Opinion published on 21 June, the European Banking Authority (EBA) acknowledged the complexity of payments markets and the practical challenges arising from the changes that are required by Strong Customer Authentication across the EU, which may lead to some actors in the payments chain not being ready by 14 September 2019.</p><p> </p><p>The FCA is therefore working closely with industry to develop a migration plan to implement Strong Customer Authentication in a timely and effective manner.</p> answering member constituency Salisbury answering member printed John Glen question first answered 22/07/2019 13:56:33 answering member 4051 label Biography information for John Glen
tabling member	4571 label Biography information for Gill Furniss

882161

registered interest
date	13/04/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs: Disclosure of Information
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether HMRC shares information on the amendment of tax returns or other taxation errors of non-UK citizens with UK Visas and Immigration.
tabling member constituency	Sheffield, Brightside and Hillsborough
tabling member printed	Gill Furniss
uin	135220
answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>Any information held by HMRC in connection with its functions may be disclosed to parts of the Home Office for its immigration, nationality and customs functions which includes UK Visas and Immigration. UK Visas and Immigration can ask HMRC for information subject to relevant legislation and requirements detailed in a memorandum of understanding between them. HMRC does not proactively disclose information to UK Visas and Immigration on the amendment of tax returns or other taxation errors of non-UK citizens.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 18/04/2018 13:18:45 answering member 3935 label Biography information for Mel Stride
tabling member	4571 label Biography information for Gill Furniss

874698

registered interest
date	29/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance: Disability
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the adequacy of access to insurance that fairly reflects risk for disabled people; and if he will make a statement.
tabling member constituency	Sheffield, Brightside and Hillsborough
tabling member printed	Gill Furniss
uin	134999
answer	answer is ministerial correction date of answer 16/04/2018 answer text <p>The government remains in regular discussion with the insurance industry and other interested parties, including the Financial Conduct Authority (FCA), on the provision of insurance in the UK.</p><p> </p><p>The government recognises that various factors can impact on availability, pricing and terms of insurance policies.</p><p> </p><p>According to <a href="https://www.mind.org.uk/information-support/legal-rights/disability-discrimination/" target="_blank">disability discrimination law</a> under the <a href="https://www.mind.org.uk/information-support/legal-rights/disability-discrimination/equality-act-2010/" target="_blank">Equality Act 2010</a>, an insurance provider cannot refuse to cover potential customers or charge more for insurance on the basis of a disability unless both of the following are true:</p><p> </p><p>1) They can provide objective, accurate and reliable evidence that the applicant is at a higher risk of making a claim; and</p><p>2) The information they used to assess the application was used in a reasonable way.</p><p>The FCA is also currently conducting detailed discovery work into pricing practices used by insurers to develop a clear understanding of current market practices. This discovery work is looking at the techniques, strategies and rating factors used by insurers. The FCA will consider if any further intervention is required at the conclusion of this discovery work.</p><p> </p> answering member constituency Salisbury answering member printed John Glen question first answered 16/04/2018 12:17:58 answering member 4051 label Biography information for John Glen
tabling member	4571 label Biography information for Gill Furniss