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1658319

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Greater London
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether he has made a recent assessment of the potential impact of high street bank branch closures in (a) Enfield North constituency, (b) the London Borough of Enfield and (c) London on people affected by those closures in those areas.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197932
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p><strong>T</strong>he government believes that all customers, wherever they live, should have appropriate access to banking and cash services.</p><p> </p><p>The government has legislated to protect access to cash. The Financial Services and Markets Act 2023 provides the Financial Conduct Authority (FCA) with responsibility and powers to seek to ensure reasonable provision of cash access services. The FCA is currently developing its approach and will consult in due course.</p><p> </p><p>Regarding bank branch closures, these decisions are a commercial issue for banks and building societies. The government does not intervene in these decisions or make direct assessments of these branch networks.</p><p> </p><p>Guidance from the Financial Conduct Authority 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 the everyday banking and cash access needs of their customers 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><p>Alternative options for access to banking 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><p>New shared Banking Hubs are also being introduced, providing cash and basic banking services and dedicated space where community bankers from major banks can meet customers of that bank. To date, industry has committed to deliver Banking Hubs in 80 locations. Further information on Banking Hubs is available at: <a href="https://gbr01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cashaccess.co.uk%2F&amp;data=05%7C01%7CPQ.PQMAIL%40hmtreasury.gov.uk%7Ceff1b6913818479a2a9c08dbb0687ec0%7Ced1644c505e049e6bc39fcf7ac51c18c%7C0%7C0%7C638297735344807980%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=nviFRlRjh78p%2BYVwAbSyERlHnlvBdXqJP3U5FxnSEYs%3D&amp;reserved=0" target="_blank">https://www.cashaccess.co.uk/</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197933 question first answered 13/09/2023 13:24:17 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1658320

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services: Greater London
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the adequacy of access to (a) cash and (b) banking services in (i) Enfield North constituency, (ii) the London Borough of Enfield and (iii) London; and what steps he is taking to ensure adequate access to (A) cash and (B) banking services in those areas in the next five years.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197933
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p><strong>T</strong>he government believes that all customers, wherever they live, should have appropriate access to banking and cash services.</p><p> </p><p>The government has legislated to protect access to cash. The Financial Services and Markets Act 2023 provides the Financial Conduct Authority (FCA) with responsibility and powers to seek to ensure reasonable provision of cash access services. The FCA is currently developing its approach and will consult in due course.</p><p> </p><p>Regarding bank branch closures, these decisions are a commercial issue for banks and building societies. The government does not intervene in these decisions or make direct assessments of these branch networks.</p><p> </p><p>Guidance from the Financial Conduct Authority 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 the everyday banking and cash access needs of their customers 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><p>Alternative options for access to banking 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><p>New shared Banking Hubs are also being introduced, providing cash and basic banking services and dedicated space where community bankers from major banks can meet customers of that bank. To date, industry has committed to deliver Banking Hubs in 80 locations. Further information on Banking Hubs is available at: <a href="https://gbr01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cashaccess.co.uk%2F&amp;data=05%7C01%7CPQ.PQMAIL%40hmtreasury.gov.uk%7Ceff1b6913818479a2a9c08dbb0687ec0%7Ced1644c505e049e6bc39fcf7ac51c18c%7C0%7C0%7C638297735344807980%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=nviFRlRjh78p%2BYVwAbSyERlHnlvBdXqJP3U5FxnSEYs%3D&amp;reserved=0" target="_blank">https://www.cashaccess.co.uk/</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197932 question first answered 13/09/2023 13:24:17 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1658447

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Self-employed: National Insurance
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government whether they have any plans to fully digitise the processing of A1 (CA3837) documents for UK self-employed workers in the music industry temporarily working in Europe, including the issuing of such documents.
tabling member printed	The Earl of Clancarty
uin	HL9883
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>In response to customer feedback, HMRC introduced a new online version of the form CA3837 in June 2023, which was designed to streamline the application process, offering a number of enhancements and providing additional guidance for more complex questions.</p><p> </p><p>HMRC intend to automate the CA3837 application process in the Autumn which will improve processing times and remove opportunities for error.</p> answering member printed Baroness Penn question first answered 13/09/2023 13:18:31 answering member 4726 label Biography information for Baroness Penn
tabling member	3391 label Biography information for The Earl of Clancarty

1658448

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Self-employed: National Insurance
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what is the average time between the (1) application for, and (2) issuing of, an A1 (CA3837) document for UK self-employed workers; and whether they have any plans to reduce the processing time for such applications.
tabling member printed	The Earl of Clancarty
uin	HL9884
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>The average time it is taking HMRC to process/issue A1s received online is 15 weeks as it stands today. HMRC processes 3 different applications forms (CA3822, CA3837 and CA8421) that can result in A1s being issued.</p><p>It is not possible to break it down to average processing times for each application due to the complexities of HMRC’s internal digital mail systems.</p><p>In quarter 3, HMRC plans to upskill additional colleagues to help process the backlog of CA3822s and this will include CA3837s and CA8421s which will help to reduce processing times.</p><p>HMRC intend to automate the CA3837 application process in the Autumn which will improve processing times and remove opportunities for error.</p> answering member printed Baroness Penn question first answered 13/09/2023 12:17:13 answering member 4726 label Biography information for Baroness Penn
tabling member	3391 label Biography information for The Earl of Clancarty

1658449

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Self-employed: National Insurance
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government whether they have any plans to replace all single-use A1 (CA3837) documents for UK self-employed workers in the music industry with an A1 document valid for two years covering multiple unspecified (1) tours, (2) countries, and (3) dates.
tabling member printed	The Earl of Clancarty
uin	HL9885
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>HMRC issues A1 certificates where a self-employed individual is subject to UK social security legislation whilst working in the EU. The rules for issuing certificates apply equally to HMRC and EU Member State social security authorities. The government has no plans to seek changes at this time.</p> answering member printed Baroness Penn question first answered 13/09/2023 13:03:10 answering member 4726 label Biography information for Baroness Penn
tabling member	3391 label Biography information for The Earl of Clancarty

1658472

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	National Insurance: Profits
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what assessment they have made of the revenues which could be raised by levying national insurance upon chargeable capital gains.
tabling member printed	Lord Sikka
uin	HL9911
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>National Insurance contributions (NICs) are part of the UK’s social security system. The system, based around the longstanding contributory principle, is centred around paid employment and self-employment, with employers, employees and the self-employed paying into the National Insurance Fund and providing funding for the NHS. Payment of NICs builds an individual’s entitlement to claim contributory benefits which then replace earnings in certain circumstances, for example if someone is unable to work or is retired. Non-employment income is generally excluded from liability to NICs as it is not derived from paid employment. Consequently, individuals with only non-employment income need to pay voluntary NICs in order to build entitlement.</p><p> </p><p>The Government keeps all taxes under review.</p> answering member printed Baroness Penn question first answered 13/09/2023 13:25:50 answering member 4726 label Biography information for Baroness Penn
tabling member	4885 label Biography information for Lord Sikka

1658478

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Business Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what plans they have to reduce the business rate multiplier in England and Wales.
tabling member printed	Lord Taylor of Warwick
uin	HL9917
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>At the Autumn Statement 2022, the Government announced a freeze to the business rates multiplier for 2023-24, a tax cut worth £9.3 billion over the next five years. This was the third consecutive year the multiplier has been frozen, protecting businesses from inflationary pressures at an overall cost of £14.5 billion.</p><p> </p><p>Business rates are an essential form of funding for local government to provide vital public services.</p><p> </p><p>The Government keeps all taxes under review.</p> answering member printed Baroness Penn question first answered 13/09/2023 13:00:26 answering member 4726 label Biography information for Baroness Penn
tabling member	1796 label Biography information for Lord Taylor of Warwick

1657624

registered interest
date	04/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Housing Improvement: VAT
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what assessment they have made of any distortion to the housing market caused by VAT on the renovation and restoration of existing homes as opposed to VAT exemption for the building of new homes; and what plans they have, if any, to address such distortion.
tabling member printed	Baroness McIntosh of Pickering
uin	HL9801
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>The construction of certain new-build properties, including residential buildings, is subject to a VAT zero rate to encourage the construction of new homes. A reduced rate of VAT at five per cent is also maintained, subject to certain conditions, for residential renovations. This includes conversions of buildings from one residential use to another, conversions from commercial to residential use, and the renovation of properties that have been empty for two years or more.</p><p> </p><p>Extending this VAT relief would impose additional pressure on the public finances to which VAT makes a significant contribution. As such, the Government has no plans to introduce a VAT relief on the renovation and restoration of existing homes; however, the Government keeps all taxes under review.</p><p>A temporary zero rate (up to April 2027) also applies to installations of qualifying energy saving materials, such as insulation, solar panels and heat pumps into residential accommodation. This relief is targeted at materials that specifically improve the energy efficiency or reduce carbon emission from a residential property.</p><p> </p> answering member printed Baroness Penn question first answered 13/09/2023 13:17:56 answering member 4726 label Biography information for Baroness Penn
tabling member	384 label Biography information for Baroness McIntosh of Pickering