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114609
star this property registered interest false more like this
star this property date less than 2014-11-05more like thismore than 2014-11-05
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Mortgages more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 213568 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-11-13more like thismore than 2014-11-13
star this property 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> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
213569 more like this
213585 more like this
star this property question first answered
less than 2014-11-13T11:20:11.3860418Zmore like thismore than 2014-11-13T11:20:11.3860418Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
114610
star this property registered interest false more like this
star this property date less than 2014-11-05more like thismore than 2014-11-05
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Mortgages more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 213569 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-11-13more like thismore than 2014-11-13
star this property 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> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
213568 more like this
213585 more like this
star this property question first answered
less than 2014-11-13T11:20:11.8123811Zmore like thismore than 2014-11-13T11:20:11.8123811Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
114616
star this property registered interest false more like this
star this property date less than 2014-11-05more like thismore than 2014-11-05
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Mortgages more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 213585 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-11-13more like thismore than 2014-11-13
star this property 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> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
213568 more like this
213569 more like this
star this property question first answered
less than 2014-11-13T11:20:11.9696487Zmore like thismore than 2014-11-13T11:20:11.9696487Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
175135
star this property registered interest false more like this
star this property date less than 2015-01-21more like thismore than 2015-01-21
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Motor Vehicles: Excise Duties more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 221596 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2015-01-26more like thismore than 2015-01-26
star this property 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> more like this
star this property answering member constituency Witham more like this
star this property answering member printed Priti Patel more like this
star this property question first answered
less than 2015-01-26T16:23:09.62Zmore like thismore than 2015-01-26T16:23:09.62Z
star this property answering member
4066
star this property label Biography information for Priti Patel more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
795635
star this property registered interest false more like this
star this property date less than 2017-11-24more like thismore than 2017-11-24
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Job Creation more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text What progress is being made on creating jobs and reducing unemployment. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 902596 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-11-28more like thismore than 2017-11-28
star this property answer text <p>The unemployment rate is the lowest since 1975 / in over 42 years (at 4.3%)</p> more like this
star this property answering member constituency South West Norfolk more like this
star this property answering member printed Elizabeth Truss more like this
star this property question first answered
less than 2017-11-28T16:17:49.51Zmore like thismore than 2017-11-28T16:17:49.51Z
star this property answering member
4097
star this property label Biography information for Elizabeth Truss more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
424049
star this property registered interest false more like this
star this property date less than 2015-10-21more like thismore than 2015-10-21
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Tax Allowances: Personal Savings and Pensions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the adequacy of tax incentives for savings and pensions. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 901812 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2015-10-27more like thismore than 2015-10-27
star this property 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> more like this
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property question first answered
less than 2015-10-27T16:21:20.337Zmore like thismore than 2015-10-27T16:21:20.337Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
600558
star this property registered interest false more like this
star this property date less than 2016-10-12more like thismore than 2016-10-12
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Individual Savings Accounts more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 48278 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2016-10-17more like thismore than 2016-10-17
star this property 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> more like this
star this property answering member constituency Battersea more like this
star this property answering member printed Jane Ellison more like this
star this property question first answered
less than 2016-10-17T16:24:51.703Zmore like thismore than 2016-10-17T16:24:51.703Z
star this property answering member
3918
star this property label Biography information for Jane Ellison more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
601015
star this property registered interest false more like this
star this property date less than 2016-10-13more like thismore than 2016-10-13
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Individual Savings Accounts more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, for how long his Department plans that the Lifetime ISA will be on offer. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 48523 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2016-10-21more like thismore than 2016-10-21
star this property 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> more like this
star this property answering member constituency Battersea more like this
star this property answering member printed Jane Ellison more like this
star this property question first answered
less than 2016-10-21T11:25:14.95Zmore like thismore than 2016-10-21T11:25:14.95Z
star this property answering member
3918
star this property label Biography information for Jane Ellison more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
600559
star this property registered interest false more like this
star this property date less than 2016-10-12more like thismore than 2016-10-12
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Individual Savings Accounts more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 48277 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2016-10-17more like thismore than 2016-10-17
star this property 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> more like this
star this property answering member constituency Battersea more like this
star this property answering member printed Jane Ellison more like this
star this property question first answered
less than 2016-10-17T16:27:08.623Zmore like thismore than 2016-10-17T16:27:08.623Z
star this property answering member
3918
star this property label Biography information for Jane Ellison more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this
600565
star this property registered interest false more like this
star this property date less than 2016-10-12more like thismore than 2016-10-12
star this property answering body
HM Treasury remove filter
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Individual Savings Accounts more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property 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. more like this
unstar this property tabling member constituency Gloucester remove filter
star this property tabling member printed
Richard Graham more like this
star this property uin 48452 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2016-10-17more like thismore than 2016-10-17
star this property 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> more like this
star this property answering member constituency Battersea more like this
star this property answering member printed Jane Ellison more like this
star this property question first answered
less than 2016-10-17T16:25:59.467Zmore like thismore than 2016-10-17T16:25:59.467Z
star this property answering member
3918
star this property label Biography information for Jane Ellison more like this
unstar this property tabling member
3990
unstar this property label Biography information for Richard Graham more like this