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64154

	registered interest
	date	26/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will meet representatives of financial institutions to discuss how those institutions can assist customers to get the best return on their savings.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	202658
	answer	answer is ministerial correction date of answer 02/07/2014 answer text <p>Treasury Ministers have discussions with a wide variety of organisations in the public and private sectors. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at:</p><p>www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel</p><p> </p><p>It is important that customers can make the most of their savings. This is why at Budget 2014 we announced a radical package of measures to support savers – reducing taxes for the lowest income savers, reforming the ISA regime to give savers greater flexibility as to where and how they save their money, and creating a product to help retired savers see a better return.</p><p> </p><p> </p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 02/07/2014 16:45:13 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	1409 label Biography information for Mr Gregory Campbell

522459

	registered interest
	date	03/06/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps his Department plans to take to make young working families aware of ways in which they can access (a) proposed Government schemes in the Lifetime Savings Bill and (b) other Government schemes relating to long-term savings.
	tabling member constituency	Upper Bann
	tabling member printed	David Simpson
	uin	39181
	answer	answer is ministerial correction date of answer 13/06/2016 answer text <p>We are committed to supporting savers of all incomes and at all stages of life. From April 2017, the Government will introduce a Lifetime ISA for adults under 40 to help save for a first home or retirement. The Government will also introduce a new Help to Save scheme, available from no later than April 2018, to support working families on low incomes to build up a rainy day fund.</p><p> </p><p>The Government recognises the importance of ensuring that all consumers can access high quality, affordable advice so they can make informed decisions about their hard-earned money. That is why we will replace the Money Advice Service with a new commissioning body that will identify gaps in the financial guidance market and commission targeted money guidance accordingly.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 13/06/2016 13:36:58 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	1597 label Biography information for David Simpson

451184

	registered interest
	date	08/02/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will make an assessment of the potential merits of combining the ISA and personal pension systems.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	26230
	answer	answer is ministerial correction date of answer 11/02/2016 answer text <p>The Chancellor of the Exchequer keeps all taxes under review.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 11/02/2016 13:51:49 answering member 1529 label Biography information for Mr David Gauke
	tabling member	1409 label Biography information for Mr Gregory Campbell

690222

	registered interest
	date	17/02/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	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 potential effect of the UK leaving the EU on the household savings ratio.
	tabling member constituency	Edinburgh South
	tabling member printed	Ian Murray
	uin	64232
	answer	answer is ministerial correction date of answer 23/02/2017 answer text <p>At Autumn Statement, the independent Office for Budget Responsibility produced their first forecast for the UK economy following the referendum on EU membership in June 2016. The OBR forecast the household saving ratio to fall slightly in 2017, before rising in 2018 and remaining stable over the rest of the forecast.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 23/02/2017 10:58:55 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3966 label Biography information for Ian Murray

539847

	registered interest
	date	13/07/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps the Government is taking to support people with personal savings.
	tabling member constituency	Charnwood
	tabling member printed	Edward Argar
	uin	905959
	answer	answer is ministerial correction date of answer 19/07/2016 answer text <p>This Government has taken radical steps to support savers. From April 2017 the Lifetime ISA will mean People under 40 can use it to save for their first home and retirement and receive a 25% bonus from the Government. From the same date, all savers will also be able to benefit from the largest ever increase in the annual ISA allowance from £15,240 to £20,000 per year.</p><p> </p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 19/07/2016 13:10:20 answering member 3929 label Biography information for Simon Kirby
	tabling member	4362 label Biography information for Edward Argar

642153

	registered interest
	date	22/11/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, with reference to the cash savings market study, published by the Financial Conduct Authority in January 2015, how quickly he expects any benefits to be experienced by savers as a result of changes introduced.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	54150
	answer	answer is ministerial correction date of answer 25/11/2016 answer text <p>In January 2015, the Financial Conduct Authority (FCA) published its Cash Savings Market Study, which found that competition in the cash savings market was not working well for many consumers. In response, the FCA has consulted on and are introducing new rules and guidance from 1 December 2016 to improve firms’ methods of disclosing information to customers on savings accounts and their interest rates. The rules will make it easier for customers to see what the interest rate is on their account and will place stricter provisions on firms to ensure customers are informed about cuts to their rates.</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 25/11/2016 10:25:53 answering member 3929 label Biography information for Simon Kirby
	tabling member	1409 label Biography information for Mr Gregory Campbell