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1149828
unstar this property registered interest false remove filter
star this property date less than 2019-10-15more like thismore than 2019-10-15
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Collateral (UK) more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether when the FCA processed the FSMA full Part A application made by Collateral (UK) Limited on 23 March 2016, for which Collateral paid a fee of £1,500, whether it checked the information already contained in its Interim Permission file 656714; and whether it checked details on Collateral at Companies House and the date of Collateral's incorporation in respect of the date of grant of Interim Permission. more like this
star this property tabling member printed
Lord Myners more like this
star this property uin HL120 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-22more like thismore than 2019-10-22
star this property answer text <p>The FCA is responsible for the regulation of the financial services sector and is operationally independent from Government. These questions relate to the FCA and have been passed on to them. The FCA will reply directly to Lord Myners by letter, and a copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property grouped question UIN HL46 more like this
star this property question first answered
less than 2019-10-22T14:41:22.123Zmore like thismore than 2019-10-22T14:41:22.123Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
3869
star this property label Biography information for Lord Myners more like this
1149831
unstar this property registered interest false remove filter
star this property date less than 2019-10-15more like thismore than 2019-10-15
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Debit Cards: Fees and Charges more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what plans they have to review debit card charges for retailers such as vehicle retailers which deal in high value transactions. more like this
star this property tabling member printed
Baroness Randerson more like this
star this property uin HL123 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-22more like thismore than 2019-10-22
star this property answer text <p>The Government set up the Financial Conduct Authority (FCA) to protect consumers from the harm that can be caused by bad conduct in the financial services industry. In 2015, it also set up the world’s only Payment Systems Regulator (PSR) with a statutory objective to ensure that payment systems are operated in a way that takes account of users’ needs.</p><p> </p><p>The FCA is the UK’s competent authority for the Payment Services Regulations (PSRs) 2017. The PSRs aim to make payments safer and more secure and protect consumers. As set out in these regulations, if a payment transaction (be that a bank transfer or debit card payment) is not properly authorised by the customer, the customer’s bank or payment service provider must refund the amount of the transaction to the payer. For authorised payment scams, where the customer has authorised a bank transfer but the money has been paid to a fraudulent recipient, the PSR has brought together consumer representatives and banks to produce an industry code of conduct to address this issue. Launched in May 2019, the code sets out agreed principles for greater protection of consumers and the circumstances in which they will be reimbursed, marking a significant step in delivering improved protections for customers.</p><p> </p><p>Regarding debit card charges, the UK implemented the EU’s Interchange Fee Regulation in 2015 which introduced a cap on one of the key fees applicable to card payments. The European Commission is in the process of reviewing the effectiveness of this regulation as part of its usual process. The PSR, who is the UK’s lead competent authority for the Interchange Fee Regulation, is also conducting a review into the supply of card-acquiring services. Amongst other things, this review will examine the fees merchants pay for these services.</p><p> </p>The Government is open to hearing views on this issue, and digital payments more broadly, as evidenced by its Call for Evidence on Cash and Digital Payments in the New Economy.
star this property answering member printed The Earl of Courtown more like this
star this property grouped question UIN HL124 more like this
star this property question first answered
less than 2019-10-22T15:13:29.72Zmore like thismore than 2019-10-22T15:13:29.72Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
4230
star this property label Biography information for Baroness Randerson more like this
1149832
unstar this property registered interest false remove filter
star this property date less than 2019-10-15more like thismore than 2019-10-15
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Electronic Funds Transfer: Retail Trade more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made how the rights of, and protection for, customers and retailers are affected when high-value goods are purchased using bank transfers rather than debit cards. more like this
star this property tabling member printed
Baroness Randerson more like this
star this property uin HL124 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-22more like thismore than 2019-10-22
star this property answer text <p>The Government set up the Financial Conduct Authority (FCA) to protect consumers from the harm that can be caused by bad conduct in the financial services industry. In 2015, it also set up the world’s only Payment Systems Regulator (PSR) with a statutory objective to ensure that payment systems are operated in a way that takes account of users’ needs.</p><p> </p><p>The FCA is the UK’s competent authority for the Payment Services Regulations (PSRs) 2017. The PSRs aim to make payments safer and more secure and protect consumers. As set out in these regulations, if a payment transaction (be that a bank transfer or debit card payment) is not properly authorised by the customer, the customer’s bank or payment service provider must refund the amount of the transaction to the payer. For authorised payment scams, where the customer has authorised a bank transfer but the money has been paid to a fraudulent recipient, the PSR has brought together consumer representatives and banks to produce an industry code of conduct to address this issue. Launched in May 2019, the code sets out agreed principles for greater protection of consumers and the circumstances in which they will be reimbursed, marking a significant step in delivering improved protections for customers.</p><p> </p><p>Regarding debit card charges, the UK implemented the EU’s Interchange Fee Regulation in 2015 which introduced a cap on one of the key fees applicable to card payments. The European Commission is in the process of reviewing the effectiveness of this regulation as part of its usual process. The PSR, who is the UK’s lead competent authority for the Interchange Fee Regulation, is also conducting a review into the supply of card-acquiring services. Amongst other things, this review will examine the fees merchants pay for these services.</p><p> </p>The Government is open to hearing views on this issue, and digital payments more broadly, as evidenced by its Call for Evidence on Cash and Digital Payments in the New Economy.
star this property answering member printed The Earl of Courtown more like this
star this property grouped question UIN HL123 more like this
star this property question first answered
less than 2019-10-22T15:13:29.79Zmore like thismore than 2019-10-22T15:13:29.79Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
4230
star this property label Biography information for Baroness Randerson more like this
1149847
unstar this property registered interest false remove filter
star this property date less than 2019-10-15more like thismore than 2019-10-15
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Public Finance more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made of the prediction by the Institute for Fiscal Studies that a no-deal Brexit would increase borrowing to £92 billion a year and total debt as a share of national income would rise by 2024 to 83 per cent. more like this
star this property tabling member printed
Lord Taylor of Warwick more like this
star this property uin HL139 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-22more like thismore than 2019-10-22
star this property answer text <p>The government’s medium-term economic and fiscal forecasting is undertaken by the Office for Budget Responsibility in line with its statutory duty. In line with its remit, the OBR’s forecasts include the economic and fiscal impact of government policy on EU exit where the effects can be quantified with reasonable accuracy. The OBR has said that it will adjust its Brexit assumptions when more detail is available on the future trade and migration relationship between the UK and EU.</p><p> </p><p>The Office for Budget Responsibility will produce a new economic and fiscal forecast at the forthcoming Budget.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-22T15:14:02.323Zmore like thismore than 2019-10-22T15:14:02.323Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
1796
star this property label Biography information for Lord Taylor of Warwick more like this
1149753
unstar this property registered interest false remove filter
star this property date less than 2019-10-14more like thismore than 2019-10-14
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Collateral (UK) more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether the interim permission granted to Regal Pawnbroker Limited, subsequently renamed Collateral (UK) in the Financial Conduct Authority’s register, would have lapsed automatically on 31 March 2016 if an application had not been passed for Part 4A Permission under the Financial Services and Markets Act 2000. more like this
star this property tabling member printed
Lord Myners more like this
star this property uin HL46 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-22more like thismore than 2019-10-22
star this property answer text <p>The FCA is responsible for the regulation of the financial services sector and is operationally independent from Government. These questions relate to the FCA and have been passed on to them. The FCA will reply directly to Lord Myners by letter, and a copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property grouped question UIN HL120 more like this
star this property question first answered
less than 2019-10-22T14:41:22.09Zmore like thismore than 2019-10-22T14:41:22.09Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
3869
star this property label Biography information for Lord Myners more like this
1148060
unstar this property registered interest false remove filter
star this property date less than 2019-10-02more like thismore than 2019-10-02
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Thomas Cook: Insolvency more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what estimate they have made of the amount of tax and duty owed by Thomas Cook at the time of their entry into administration; and what assessment they have made of whether there is any prospect of recovering the amount owed or any proportion thereof. more like this
star this property tabling member printed
Lord Browne of Ladyton more like this
star this property uin HL17988 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-08more like thismore than 2019-10-08
star this property answer text <p>HM Revenue and Customs (HMRC) do not disclose details of their work on the tax affairs of particular taxpayers<strong>.</strong></p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-08T12:04:07.88Zmore like thismore than 2019-10-08T12:04:07.88Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
620
star this property label Biography information for Lord Browne of Ladyton more like this
1147637
unstar this property registered interest false remove filter
star this property date less than 2019-10-01more like thismore than 2019-10-01
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Business more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether they will publish the results of Operation Kingfisher before 31 October; and if so, when. more like this
star this property tabling member printed
Lord Jones of Cheltenham more like this
star this property uin HL17963 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-08more like thismore than 2019-10-08
star this property answer text <p>We are continuing to monitor companies and sectors that may be exposed to short-term difficulties as a result of EU exit. This monitoring is market sensitive and confidential.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-08T11:59:57.177Zmore like thismore than 2019-10-08T11:59:57.177Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
248
star this property label Biography information for Lord Jones of Cheltenham more like this
1147641
unstar this property registered interest false remove filter
star this property date less than 2019-10-01more like thismore than 2019-10-01
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Aircraft: VAT more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what, if any, will be the VAT implications for aircraft which have to date been imported into, but may not be physically in, the UK on the planned exit day from the EU. more like this
star this property tabling member printed
Lord Kirkhope of Harrogate more like this
star this property uin HL17967 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-08more like thismore than 2019-10-08
star this property answer text <p>Some aircraft imported into the UK will be eligible for zero rate of VAT as shown in Notice 744C on ships, aircraft and associated services.</p><p> </p><p>If an aircraft has previously been imported into the UK with the appropriate taxes paid, its location on the day of Brexit will not affect its status as domestic goods, including UK VAT paid status. On return to the UK the importer may be able to claim Returned Goods Relief (RGR). This will be subject to conditions given in the RGR Notice 236.</p><p> </p><p>The free movement of aircraft being used as a means of transport is guaranteed by the Chicago Convention. This allows aircraft to land and take off at airports all over the world without the inconvenience of paying and reclaiming import duties, including VAT, each time a trip is made. This will continue after the UK leaves the EU.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-08T11:59:03.64Zmore like thismore than 2019-10-08T11:59:03.64Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
891
star this property label Biography information for Lord Kirkhope of Harrogate more like this
1146934
unstar this property registered interest false remove filter
star this property date less than 2019-09-30more like thismore than 2019-09-30
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Personation: Credit Rating more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made of the impact on victims of identity fraud in particular any adverse credit rating changes and the subsequent impact of such changes on mortgage payments and relationships with credit companies. more like this
star this property tabling member printed
Lord Hunt of Kings Heath more like this
star this property uin HL17908 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-08more like thismore than 2019-10-08
star this property answer text <p>Under the Fraud Act 2006, it is a crime to dishonestly make a false representation to make a gain, to cause loss to another or expose another to risk of loss. The Government takes fraud extremely seriously and recognises the devastating impacts that fraud can have on individuals and businesses.</p><p> </p><p>Decisions concerning how lenders assess mortgage applications, including how information from Credit Reference Agencies (CRAs) is used, are commercial decisions for banks and building societies.</p><p> </p><p>It is worth being aware that CRAs do not hold blacklists and do not tell a lender whether it should offer credit. Instead lenders use information from CRAs to come to their own commercial judgement. This means that while one lender may be unwilling to provide a mortgage due to a borrower’s credit history, that is not necessarily the case for other lenders.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-08T12:03:45.437Zmore like thismore than 2019-10-08T12:03:45.437Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
2024
star this property label Biography information for Lord Hunt of Kings Heath more like this
1146948
unstar this property registered interest false remove filter
star this property date less than 2019-09-30more like thismore than 2019-09-30
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury remove filter
star this property hansard heading Foster Care: Taxation more like this
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made of the impact on foster carers of their plans to extend the new IR35 rules to the private sector from April 2020. more like this
star this property tabling member printed
Baroness Kramer more like this
star this property uin HL17922 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-10-08more like thismore than 2019-10-08
star this property answer text <p>The reforms to how the off-payroll working rules are administered have already been in place in the public sector, including local authorities, since 2017. In the first 12 months, these reforms brought in an additional £550 million in Income Tax and NICs, which otherwise would have gone unpaid. Independent research into the public sector reforms found that most public bodies did not experience any change in their ability to fill vacancies, or the rates they pay following the reforms.</p><p> </p><p>Following consultation, the Government announced at Budget 2018 that it will extend this reform to all medium and large organisations. On 11 July 2019 HMRC published a Tax Information and Impact Note setting out the impact on individuals, households and families of the reform in the private sector.</p> more like this
star this property answering member printed The Earl of Courtown more like this
star this property question first answered
less than 2019-10-08T12:12:21.493Zmore like thismore than 2019-10-08T12:12:21.493Z
star this property answering member
3359
unstar this property label Biography information for The Earl of Courtown more like this
star this property tabling member
1557
star this property label Biography information for Baroness Kramer more like this