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114609

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the Financial Conduct Authority (a) on the clarity of and (b) improving competition in the mortgage market.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213568
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213569 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

114610

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what representations he has received about the clarity of fees and charges and ease of comparison in the mortgage market.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213569
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

114616

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the mortgage industry and consumer groups about making price comparison easier for consumers.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213585
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213569 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

175135

	registered interest
	date	21/01/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Motor Vehicles: Excise Duties
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will make it his policy that motorists pay the same rate of vehicle tax whether or not they pay by direct debit in instalments.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	221596
	answer	answer is ministerial correction date of answer 26/01/2015 answer text Motorists paying VED annually pay the same rate of vehicle tax regardless of the means of payment. Motorists paying VED by monthly or six-monthly direct debit pay a 5% surcharge, compared to the 10% surcharge on six monthly VED payments. This means that no motorist faces an increased rate of VED as a result of choosing to pay by direct debit. Government has no plans for structural reform of VED this Parliament.<p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 26/01/2015 16:23:09 answering member 4066 label Biography information for Priti Patel
	tabling member	3990 label Biography information for Richard Graham

795635

	registered interest
	date	24/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Job Creation
	house id	1
	legislature	25259 pref label House of Commons
	question text	What progress is being made on creating jobs and reducing unemployment.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	902596
	answer	answer is ministerial correction date of answer 28/11/2017 answer text <p>The unemployment rate is the lowest since 1975 / in over 42 years (at 4.3%)</p> answering member constituency South West Norfolk answering member printed Elizabeth Truss question first answered 28/11/2017 16:17:49 answering member 4097 label Biography information for Elizabeth Truss
	tabling member	3990 label Biography information for Richard Graham

424049

	registered interest
	date	21/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Tax Allowances: Personal Savings and Pensions
	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 adequacy of tax incentives for savings and pensions.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	901812
	answer	answer is ministerial correction date of answer 27/10/2015 answer text <p>The government is committed to supporting savers at all stages of life and has taken a number of steps to support saving through the tax system, including making ISAs more generous and flexible and introducing a new Personal Savings Allowance from next April. We are also reviewing pension tax relief to make sure it provides the right incentives to save for retirement.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 27/10/2015 16:21:20 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3990 label Biography information for Richard Graham

600558

	registered interest
	date	12/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many financial institutions offer the (a) flexible ISA, (b) help to buy ISA and (c) innovative finance ISA.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	48278
	answer	answer is ministerial correction date of answer 17/10/2016 answer text <p>The Treasury does not have details of how many financial institutions offer a flexible ISA, which allows savers to replace cash they have withdrawn from their ISA earlier in the year without this replacement counting towards the ISA subscription limit.</p><p> </p><p>The Help to Buy ISA is currently offered by 24 providers and 17 institutions have been approved by HM Revenue and Customs to offer Innovative Finance ISAs.</p> answering member constituency Battersea answering member printed Jane Ellison question first answered 17/10/2016 16:24:51 answering member 3918 label Biography information for Jane Ellison
	tabling member	3990 label Biography information for Richard Graham

601015

	registered interest
	date	13/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, for how long his Department plans that the Lifetime ISA will be on offer.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	48523
	answer	answer is ministerial correction date of answer 21/10/2016 answer text <p>The Lifetime ISA will be available from April 2017. This is a long-term savings product and there will be no limit on how long people are able to hold funds in a Lifetime ISA for. The Government intends this to be a long-term reform and has no plans to limit the time that Lifetime ISAs will be available.</p> answering member constituency Battersea answering member printed Jane Ellison question first answered 21/10/2016 11:25:14 answering member 3918 label Biography information for Jane Ellison
	tabling member	3990 label Biography information for Richard Graham

600559

	registered interest
	date	12/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what the value of assets is in pounds sterling in (a) the flexible ISA, (b) the help to buy ISA and (c) the innovative finance ISA.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	48277
	answer	answer is ministerial correction date of answer 17/10/2016 answer text <p>The Innovative Finance ISA and ISA flexibility were introduced in April 2016, and so no reported data on the value of assets held is available yet. Flexible ISAs are not a separate ISA product.</p><p> </p><p>The Help to Buy ISA is a cash ISA product. The total market value of cash ISAs at the end of 2015-16 was £251billion.</p><p> </p> answering member constituency Battersea answering member printed Jane Ellison question first answered 17/10/2016 16:27:08 answering member 3918 label Biography information for Jane Ellison
	tabling member	3990 label Biography information for Richard Graham

600565

	registered interest
	date	12/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if his Department will take steps to ensure that consumers are aware that Lifetime ISA savings are from tax income whereas auto enrolment-contributions are from untaxed contributions.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	48452
	answer	answer is ministerial correction date of answer 17/10/2016 answer text <p>The Government has always been clear that pension contributions receive generous tax relief. With all ISAs, all contributions to a Lifetime ISA will be made from an individual’s post tax income. They will then get a 25% bonus from the Government, up to the £4,000 yearly limit.</p><p> </p><p>The Government wants to make sure people have the information they need to make important financial decisions, and will publish factual information about the Lifetime ISA on gov.uk.</p> answering member constituency Battersea answering member printed Jane Ellison question first answered 17/10/2016 16:25:59 answering member 3918 label Biography information for Jane Ellison
	tabling member	3990 label Biography information for Richard Graham