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820663

	registered interest
	date	11/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Child Tax Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many families have had their tax credits reduced by the two-child limit in each month since the introduction of the limit in April 2017; how many of those families had one or more parents in work; how many families were (1) lone parent families or (2) two-parent families; and what was the number of children per family involved.
	tabling member printed	The Lord Bishop of Durham
	uin	HL4633
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government considers the impact of policies on different groups during their development. During the passage of the Welfare Reform and Work Act 2016 we published an Impact Assessment<sup><sup>[1]</sup></sup> for the policy of limiting support in tax credits and Universal Credit. The impact assessment shows the number of Child Tax Credit or Universal Credit claimants who were expected to be affected by the policy over the next five years.</p><p> </p><p>This does not include a number of groups who have received an exception to the policy of limiting support: statistics on these exceptions will be published in due course.</p><p> </p><p>[1] <strong><a href="https://www.parliament.uk/documents/impact-assessments/IA15-006E.pdf" target="_blank">https://www.parliament.uk/documents/impact-assessments/IA15-006E.pdf</a> </strong></p><p> </p> answering member printed Lord Bates question first answered 25/01/2018 16:09:14 answering member 1091 label Biography information for Lord Bates attachment 1 file name welfare reform document.pdf title impact assessment
	tabling member	4312 label Biography information for The Lord Bishop of Durham

820664

	registered interest
	date	11/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Child Tax Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many families with three or more children have been able to claim the Child Tax Credit amount for a third or subsequent child under the “special circumstances” exemption rules that apply to the two-child limit, in each month since the introduction of the limit in April 2017; and what reasons were provided for those exemptions.
	tabling member printed	The Lord Bishop of Durham
	uin	HL4634
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>Families on benefits should have to make the same financial decisions as families supporting themselves solely through work. However, in recognition that some claimants are not able to make choices about the number of children in their family the government has provided exceptions in certain cases. Following debate in parliament and a public consultation, the government introduced regulations that allow exceptions to apply in cases where the third or subsequent children are:</p><p> </p><ul><li><p>part of a multiple birth, although it does not cover one child in that birth on the grounds that the parents would have expected the pregnancy to have resulted in at least one birth;</p><p> </p></li><li><p>children who are adopted when they would otherwise be in Local Authority care;</p><p> </p></li><li><p>in non-parental caring arrangements, including formal arrangements (e.g. Child Arrangement Orders, Special Guardianship Orders, certain Scottish Kinship Care Orders etc) and informal arrangements where the child is living long terms with friends or family and would otherwise be at risk of entering the care system;</p><p> </p></li><li><p>born as a result of non-consensual conception (including cases of rape or coercion and control).</p></li></ul><p>Statistics relating to exceptions to the limit on support to two children in Child Tax Credit will be published once there are sufficient cases to enable robust analysis and the data has been quality assured.</p><p> </p> answering member printed Lord Bates question first answered 25/01/2018 16:04:30 answering member 1091 label Biography information for Lord Bates
	tabling member	4312 label Biography information for The Lord Bishop of Durham

820665

	registered interest
	date	11/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Child Tax Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to monitor the impact of the two-child limit for Child Tax Credits on the well-being of children in large families affected by the policy, since it was introduced in April 2017.
	tabling member printed	The Lord Bishop of Durham
	uin	HL4635
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government is committed to supporting families. We are helping families retain more of what they earn by raising the personal allowance, successive increases mean that a basic rate tax payer will be £1,075 better off in 2018-19 than in 2010-11. Also, to help working parents we have doubled free childcare available for 3 and 4 year olds to 30 hours a week, saving in total around £5,000 a year per child, and we are introducing Tax Free Childcare, providing support of up to £2000 per year for each child. However, there is more to do and the government is committed to delivering a country that works for everyone. Last April, the government published its “Improving Lives: Helping Workless Families” strategy. This focused on measures that tackle the root causes of poverty and improve children’s welfare, in particular parental worklessness and educational attainment. Data on each of the areas targeted by the Strategy is published annually. We keep all our policies under review, including the policy of limiting support in Child Tax Credits.</p> answering member printed Lord Bates question first answered 25/01/2018 16:00:37 answering member 1091 label Biography information for Lord Bates
	tabling member	4312 label Biography information for The Lord Bishop of Durham

823190

	registered interest
	date	15/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Certificates of Tax Deposit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to replace the Certificates of Tax Deposit Scheme with a comparable replacement; and what consultation they will undertake on this subject.
	tabling member printed	Lord Leigh of Hurley
	uin	HL4681
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>There are no plans to replace the Certificate of Tax Deposit Scheme.</p><p> </p><p>Closure of the Certificate of Tax Deposit scheme will make the tax system simpler and fairer. New certificates are no longer available to buy but existing ones will continue to be honoured until 23rd November 2023, giving up to six years for existing users to adjust to the change. There are no plans for consultation on a replacement.</p> answering member printed Lord Bates question first answered 25/01/2018 16:05:30 answering member 1091 label Biography information for Lord Bates
	tabling member	4295 label Biography information for Lord Leigh of Hurley

823202

	registered interest
	date	15/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services: Fraud
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the different rates of compensation offered by UK banks to their customers where cyber fraud has occurred.
	tabling member printed	Baroness Quin
	uin	HL4693
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government has not made an assessment of different rates of compensation offered by banks.</p><p>The Payment Services Regulations 2017 require banks to give a full refund to a customer who did not authorise a transaction on their account. However, if the unauthorised transaction arose from the use of a lost, stolen or misappropriated payment instrument, before the customer notified the bank of the loss, theft or misappropriation, the bank may require that the customer cover up to £35 of the liability.</p><p>In addition, customers may be liable for unauthorised transactions if they have themselves been involved in the fraudulent activity or have intentionally not complied with their obligations in relation to the payment instrument (or have been grossly negligent about those obligations), for example obligations to keep a payment instrument safe and to notify the issuer when becoming aware that a payment instrument has been lost or misappropriated.</p><p>The Payment Services Regulations do not require banks to compensate customers where a payment was validly authorised by the customer and correctly executed in accordance with the customer’s instructions. In some such cases banks may choose to compensate customers, and this can vary between institutions.</p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. This includes regular meetings with consumer organisations to discuss relevant regulatory issues, including compensation for victims of fraud.</p><p>Details of ministerial and permanent secretary meetings with external organisations are published on GOV.UK on a quarterly basis.</p> answering member printed Lord Bates grouped question UIN HL4694 question first answered 25/01/2018 16:20:14 answering member 1091 label Biography information for Lord Bates
	tabling member	518 label Biography information for Baroness Quin

823203

	registered interest
	date	15/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services: Fraud
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what discussions they have held with consumer organisations about the different rates of compensation offered by UK banks to customers who have been affected by cyber fraud.
	tabling member printed	Baroness Quin
	uin	HL4694
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government has not made an assessment of different rates of compensation offered by banks.</p><p>The Payment Services Regulations 2017 require banks to give a full refund to a customer who did not authorise a transaction on their account. However, if the unauthorised transaction arose from the use of a lost, stolen or misappropriated payment instrument, before the customer notified the bank of the loss, theft or misappropriation, the bank may require that the customer cover up to £35 of the liability.</p><p>In addition, customers may be liable for unauthorised transactions if they have themselves been involved in the fraudulent activity or have intentionally not complied with their obligations in relation to the payment instrument (or have been grossly negligent about those obligations), for example obligations to keep a payment instrument safe and to notify the issuer when becoming aware that a payment instrument has been lost or misappropriated.</p><p>The Payment Services Regulations do not require banks to compensate customers where a payment was validly authorised by the customer and correctly executed in accordance with the customer’s instructions. In some such cases banks may choose to compensate customers, and this can vary between institutions.</p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. This includes regular meetings with consumer organisations to discuss relevant regulatory issues, including compensation for victims of fraud.</p><p>Details of ministerial and permanent secretary meetings with external organisations are published on GOV.UK on a quarterly basis.</p> answering member printed Lord Bates grouped question UIN HL4693 question first answered 25/01/2018 16:20:14 answering member 1091 label Biography information for Lord Bates
	tabling member	518 label Biography information for Baroness Quin

823221

	registered interest
	date	15/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Financial Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what reassurances they can offer UK asset management firms in response to concerns regarding potential changes to delegation rules following Brexit.
	tabling member printed	Lord Taylor of Warwick
	uin	HL4712
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government recognises that the ability to delegate functions on a cross-border basis is vital to the strength of the UK asset management industry and the delivery of the best possible outcomes for investors.</p><p> </p><p>On 6 December 2017, the government published the Investment Management Strategy II, which sets out a long-term approach to ensure that the UK remains a competitive global centre for asset management.</p><p> </p><p>Within this strategy, the government outlined its view that delegation arrangements work well with appropriate oversight and regulatory cooperation. The government also committed to work with other jurisdictions to ensure global regulatory coherence within asset management and to preserve the ability to delegate functions, such as portfolio management, from one jurisdiction to another.</p> answering member printed Lord Bates question first answered 25/01/2018 16:11:27 answering member 1091 label Biography information for Lord Bates
	tabling member	1796 label Biography information for Lord Taylor of Warwick

825265

	registered interest
	date	17/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of whether retail banks are conducting sufficient checks on the credentials of people seeking to open an account.
	tabling member printed	Lord Chadlington
	uin	HL4798
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>Retail banks have comprehensive obligations when it comes to identifying customers at the start of a business relationship. The Money Laundering Regulations 2017 set out the requirements and further guidance is provided to retail banks through the Joint Money Laundering Steering Group’s Guidance, which is approved by HM Treasury. UK Customer Due Diligence Requirements reflect the global standards agreed by the Financial Action Task Force and are provided for in European legislation through the Fourth Money Laundering Directive. The FCA use a risk-based approach to supervise retail banks’ compliance with the Money Laundering Regulations, including their adherence to the requirements for customer identification.</p><p> </p><p>In addition, the Immigration Act 2014 prohibits banks and building societies from opening current accounts for people who are known not to have leave to remain in or to enter the UK. To ensure they are complying with the Act, banks and building societies can carry out an immigration status check with a specified anti-fraud organisation or data-matching authority (CIFAS).</p> answering member printed Lord Bates question first answered 25/01/2018 16:40:18 answering member 1091 label Biography information for Lord Bates
	tabling member	3318 label Biography information for Lord Chadlington

825286

	registered interest
	date	17/01/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Affordable Housing: Tax Allowances
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to provide favourable tax treatment for developers and builders of affordable housing, both for rent and for sale.
	tabling member printed	Lord Hylton
	uin	HL4819
	answer	answer is ministerial correction date of answer 25/01/2018 answer text <p>The government already provides tax reliefs for developers and builders of affordable housing. This includes VAT relief for the construction of new residential property and conversion of commercial property in to new housing. In addition, there are already provisions in the tax system that, subject to certain conditions, relieve transactions in land and property by registered social landlords from Stamp Duty Land Tax and Capital Gains Tax. Whilst all taxes are kept under review, there are no plans to introduce additional tax reliefs at this time.</p><p> </p><p>The government is committed to increasing the supply of affordable housing, and in October announced a further £2 billion of funding for the Affordable Homes Programme, including funding for social rented homes.</p> answering member printed Lord Bates question first answered 25/01/2018 16:25:37 answering member 1091 label Biography information for Lord Bates
	tabling member	2018 label Biography information for Lord Hylton