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1690550

registered interest
date	20/02/2024
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Childcare: Greater London
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many people receive tax free childcare in (a) Enfield North Constituency, (b) the London Borough of Enfield, and (c) London.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	14974
answer	answer is ministerial correction date of answer 27/02/2024 answer text <p>Statistics relating to Tax-Free Childcare account use are published quarterly in “Tax-Free Childcare Statistics” on the gov.uk website. The latest publication, containing information up to September 2023 is here:</p><p><a href="https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics" target="_blank">https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics</a></p><p> </p><p>Number of Families and Children with Used Tax-Free Childcare accounts by local authority are published as tables 9 and 10. Number of Families and Children with Used Tax-Free Childcare accounts by Westminster parliamentary constituency are published as tables 11 and 12.</p> answering member constituency Mid Worcestershire answering member printed Nigel Huddleston question first answered 27/02/2024 15:31:31 answering member 4407 label Biography information for Nigel Huddleston
tabling member	4822 label Biography information for Feryal Clark

1667614

registered interest
date	07/11/2023
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, what estimate his Department has made of the number of closures of (a) bank branches and (b) free-to-use ATMs in (i) Enfield North constituency, (ii) the London Borough of Enfield and (iii) London in each of the last three years.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	582
answer	answer is ministerial correction date of answer 15/11/2023 answer text <p>While the government does not make direct assessments of branch or ATM networks, it believes that all customers, wherever they live, should have appropriate access to banking and cash services. According to LINK there are 76 LINK cash access points, including 55 free-to-use ATMs, in Enfield North constituency.</p><p> </p><p>The government legislated through the Financial Services and Markets Act 2023 to establish a new legislative framework to protect access to cash. This establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provides it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities across the UK, including free withdrawal and deposit facilities in relation to personal current accounts.</p><p> </p><p>Decisions on opening and closing branches and ATMs are a commercial issue, and the government does not intervene in these. However, under FCA guidance, 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 seeks to ensure 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> answering member constituency Hitchin and Harpenden answering member printed Bim Afolami question first answered 15/11/2023 16:11:39 answering member 4639 label Biography information for Bim Afolami
tabling member	4822 label Biography information for Feryal Clark

1661871

registered interest
date	19/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages: Interest Rates
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 impact of increases in mortgage interest rates on homeowners in (a) Enfield North constituency, (b) the London Borough of Enfield and (c) London.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	200408
answer	answer is ministerial correction date of answer 16/10/2023 answer text <p>The pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. However, we recognise this is a concerning time for mortgage borrowers.</p><p> </p><p>The Prime Minister has been clear, the best and most important way that we can keep costs and interest rates down for people is to halve inflation, and then return it to the 2% target.</p><p> </p><p>On Friday 23 June the Chancellor met with mortgage lenders, UK Finance and the Financial Conduct Authority (FCA) to discuss how lenders will provide support for those who encounter problems keeping up with their mortgage payments. At this meeting, lenders agreed to a new Mortgage Charter to support borrowers struggling with their mortgage payments that was published on 26 June. The Charter sets out the standards signatory lenders will adopt when helping their customers, including new flexibilities to help customers manage their mortgage payments over a short period.</p><p> </p><p>The Charter is in addition to the significant safeguards already in place for consumers in the mortgage market. Financial Conduct Authority rules require lenders to engage individually with their customers who are struggling or who are worried about their payments in order to provide tailored support. The Government has also taken measures aimed at helping people to avoid repossession, including Support for Mortgage Interest (SMI) loans, protection in the courts through the Pre-Action Protocol, and the Housing Loss Prevention Advice Service (HLPAS).</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 16/10/2023 09:19:43 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1658713

registered interest
date	06/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Landfill Tax: Enfield
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment has he made of the potential impact of the level of landfill tax on the (a) amount and (b) proportion of waste sent to landfill in Enfield.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	198254
answer	answer is ministerial correction date of answer 15/09/2023 answer text <p>Since 2000, Landfill Tax has contributed to a 90% reduction in local authority waste sent to landfill in England. Landfill Tax works hand in hand with wider measures in the 2018 Resources and Waste Strategy for England which are designed to encourage waste to be managed more sustainably and support the government’s ambitious target of zero avoidable waste by 2050.</p><p> </p><p>To inform tax decisions on tax policy, the government undertakes relevant and proportionate environmental and wider impact assessments. No recent assessment has been carried out on the specific impact of Landfill Tax on waste sent to landfill in Enfield.</p><p> </p><p>The government will continue to engage with a wide range of stakeholders, including local authorities, on the impact of Landfill Tax as part of the ongoing Landfill Tax review.</p> answering member constituency Grantham and Stamford answering member printed Gareth Davies question first answered 15/09/2023 10:25:44 answering member 4850 label Biography information for Gareth Davies
tabling member	4822 label Biography information for Feryal Clark

1658309

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	Video Games: Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate he has made of how many gaming companies in (a) the UK and (b) Enfield North constituency have benefited from Video Games Tax Relief in the most recent year for which data is available.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197922
answer	answer is ministerial correction date of answer 12/09/2023 answer text <p>While HMRC does not hold information at a constituency level, the number of companies benefiting from the Video Games Tax Relief can be found in Table 4.1 of:</p><p><a href="https://www.gov.uk/government/statistics/creative-industries-statistics-august-2023" target="_blank">https://www.gov.uk/government/statistics/creative-industries-statistics-august-2023</a></p> answering member constituency Louth and Horncastle answering member printed Victoria Atkins question first answered 12/09/2023 14:58:16 answering member 4399 label Biography information for Victoria Atkins
tabling member	4822 label Biography information for Feryal Clark

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

1645146

registered interest
date	15/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Enfield North
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether his Department is taking steps to help secure free access to cash (a) withdrawals and (b) deposit facilities in Enfield North constituency.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	189902
answer	answer is ministerial correction date of answer 20/06/2023 answer text <p>The government recognises that while the transition towards digital payments brings many opportunities, cash continues to be used by many people across the UK, including those who may be in vulnerable groups.</p><p> </p><p>The government is currently legislating to protect access to cash across the UK as part of the Financial Services and Markets (FSM) Bill 2022. The Bill establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash with responsibility and powers to seek to ensure reasonable provision of withdrawal and deposit facilities.</p><p> </p><p>As amended, the FSM Bill protects free access to cash by requiring the FCA to seek to ensure that, in the United Kingdom, there is reasonable provision of free withdrawal and deposit facilities for personal current accounts with relevant providers. It also requires the Treasury to publish a policy statement that includes policies on free access.</p><p> </p><p>According to LINK data for April 2023, there are around 39,000 free-to-use ATMs across the UK, including 57 in the constituency of Enfield North.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 20/06/2023 16:26:24 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1643835

registered interest
date	12/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Low Incomes: Enfield North
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of financially vulnerable people in Enfield North constituency.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	189116
answer	answer is ministerial correction date of answer 20/06/2023 answer text <p>The Government expects firms to treat their customers fairly where they face financial vulnerabilities, and seeks to ensure that people are able to access useful and affordable financial products and services.</p><p> </p><p>The Financial Conduct Authority (FCA) publishes a Financial Lives Survey (FLS) which measures financial resilience across the UK. Published extracts from its 2022 survey show that 25% of adults in London have low financial resilience, with 7% in financial difficulty. In January 2023, the FCA published an update which details consumer experiences of the elevated cost of living and reminds firms that if a customer is in vulnerable circumstances, they should be provided with an appropriate level of care and support.</p><p> </p><p>The Government recognises the challenges facing households due to the elevated cost of living and took action at Spring Budget 2023 to protect struggling families. This was in addition to the benefits uprating and support for vulnerable households announced at the Autumn Statement which included new Cost of Living Payments in 2023-24, helping more than 8 million UK households on eligible means tested benefits, 8 million pensioner households, and 6 million people across the UK on eligible disability benefits.</p><p> </p><p>While the Government does not intervene in the commercial decisions of firms to close bank branches, it believes that all customers should have appropriate access to banking services. According to LINK data for April 2023, there are around 39,000 free-to-use ATMs across the UK, including 57 in the constituency of Enfield North.</p><p> </p><p>The FCA expects firms to carefully consider the impact of planned closures on the everyday banking and cash access needs of their customers, including those who are vulnerable, and consider possible alternative access arrangements. Alternative options for access can be via telephone banking, digital banking, and the Post Office. New shared banking hubs are also being introduced to provide basic banking services and dedicated space where community bankers from major banks can meet their customers. Over 60 bank hubs have been announced and 6 have opened their doors so far.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 189117 189118 189119 question first answered 20/06/2023 15:10:35 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1643836

registered interest
date	12/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Low Incomes: Enfield North
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 trends in the level of financial vulnerability among people in Enfield North constituency.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	189117
answer	answer is ministerial correction date of answer 20/06/2023 answer text <p>The Government expects firms to treat their customers fairly where they face financial vulnerabilities, and seeks to ensure that people are able to access useful and affordable financial products and services.</p><p> </p><p>The Financial Conduct Authority (FCA) publishes a Financial Lives Survey (FLS) which measures financial resilience across the UK. Published extracts from its 2022 survey show that 25% of adults in London have low financial resilience, with 7% in financial difficulty. In January 2023, the FCA published an update which details consumer experiences of the elevated cost of living and reminds firms that if a customer is in vulnerable circumstances, they should be provided with an appropriate level of care and support.</p><p> </p><p>The Government recognises the challenges facing households due to the elevated cost of living and took action at Spring Budget 2023 to protect struggling families. This was in addition to the benefits uprating and support for vulnerable households announced at the Autumn Statement which included new Cost of Living Payments in 2023-24, helping more than 8 million UK households on eligible means tested benefits, 8 million pensioner households, and 6 million people across the UK on eligible disability benefits.</p><p> </p><p>While the Government does not intervene in the commercial decisions of firms to close bank branches, it believes that all customers should have appropriate access to banking services. According to LINK data for April 2023, there are around 39,000 free-to-use ATMs across the UK, including 57 in the constituency of Enfield North.</p><p> </p><p>The FCA expects firms to carefully consider the impact of planned closures on the everyday banking and cash access needs of their customers, including those who are vulnerable, and consider possible alternative access arrangements. Alternative options for access can be via telephone banking, digital banking, and the Post Office. New shared banking hubs are also being introduced to provide basic banking services and dedicated space where community bankers from major banks can meet their customers. Over 60 bank hubs have been announced and 6 have opened their doors so far.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 189116 189118 189119 question first answered 20/06/2023 15:10:35 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark