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346933

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the aggregate household debt in the UK on 8 May 2015.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	304
	answer	answer is ministerial correction date of answer 03/06/2015 answer text <p>According to the latest figures published by the Office for National Statistics, the UK's total household debt was £1,686 billion in the fourth quarter of 2014. As a proportion of household income, household debt has fallen from a peak of 169 per cent in the first quarter of 2008 to 146 per cent in the fourth quarter of 2014.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 03/06/2015 16:48:28 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	1409 label Biography information for Mr Gregory Campbell

346880

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Public Finance
	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 progress in eliminating the deficit between 2010 and 2015.
	tabling member constituency	Newport West
	tabling member printed	Paul Flynn
	uin	88
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>The government’s long-term plan is working, restoring the public finances to a more sustainable path. The deficit has more than halved as a share of GDP from its post-war peak of 10.2% in 2009-10 to 4.8% by the end of last year. The latest data published jointly by the Office for National Statistics (ONS) and HM Treasury shows that public sector net borrowing for April 2015 is £6.8bn, down £2.5bn compared to the same time last year. But the job of fixing the public finances is not yet complete which is why we will continue with our plans to reduce the deficit further and build a more resilient British economy.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:14:10 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	545 label Biography information for Paul Flynn

347040

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Treasury: Communication
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, where the post of his Department's director of communications was advertised.
	tabling member constituency	Sheffield, Heeley
	tabling member printed	Louise Haigh
	uin	192
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>Special Adviser appointments are made in line with the Ministerial Code and Code of Conduct for Special Advisers. Details of Special Advisers appointments and remuneration will be published in due course</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 193 question first answered 04/06/2015 15:21:56 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4473 label Biography information for Louise Haigh

347043

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Treasury: Communication
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what the annual salary is of his Department's director of communications.
	tabling member constituency	Sheffield, Heeley
	tabling member printed	Louise Haigh
	uin	193
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>Special Adviser appointments are made in line with the Ministerial Code and Code of Conduct for Special Advisers. Details of Special Advisers appointments and remuneration will be published in due course</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 192 question first answered 04/06/2015 15:21:56 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4473 label Biography information for Louise Haigh

347048

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inflation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the effect of negative inflation on the economy.
	tabling member constituency	Sheffield, Heeley
	tabling member printed	Louise Haigh
	uin	195
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>Annual inflation has fallen to record lows driven predominantly by falls in food, energy and petrol prices. This temporary period of falling prices is boosting real wages and supporting household spending and economic growth in the short term. But the government is vigilant to the risk of a period of sustained price declines. The government remains committed to the symmetric 2 per cent inflation target and welcomes the Bank of England’s forecast for inflation to return to target in a timely fashion.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:15:36 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4473 label Biography information for Louise Haigh

347064

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Conduct Authority
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will review the effectiveness of the Financial Conduct Authority.
	tabling member constituency	Sheffield, Heeley
	tabling member printed	Louise Haigh
	uin	203
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>Under the Financial Services Act 2012 the Financial Conduct Authority (FCA) was made subject to National Audit Office (NAO) audit with the associated ability of the NAO to launch Value for Money (VFM) studies of the FCA into its economy, efficiency and effectiveness. The NAO recently reported on the FCA, as well as the Prudential Regulation Authority (PRA), in March 2014. A full copy of the report can be found at the following address - <a href="http://www.nao.org.uk/press-releases/regulating-financial-services/" target="_blank">http://www.nao.org.uk/press-releases/regulating-financial-services/</a></p><p> </p><p> </p><p> </p><p>The Treasury has statutory powers to appoint an independent person to conduct a review of the economy efficiency and effectiveness with which the FCA has used its resources in discharging its functions. There are no plans to launch such a review at this stage.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:24:02 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4473 label Biography information for Louise Haigh

347094

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: First Time Buyers
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the potential effect of the European Standardised Information Sheet on the availability of mortgages for first-time house buyers.
	tabling member constituency	Pendle
	tabling member printed	Andrew Stephenson
	uin	6
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>The UK already has a robust regulatory regime to protect consumers in the UK mortgage market.</p><p> </p><p> </p><p> </p><p>As such, the Government’s approach to the implementation of the Mortgage Credit Directive, has been to minimise the impact on the UK market by building on the existing UK regulatory framework.</p><p> </p><p> </p><p> </p><p>Under this framework, the independent regulator, the Financial Conduct Authority (FCA) is responsible for the rules that mortgage providers must comply with, including what type of information they must provide to consumers. The FCA is therefore responsible for considering how to ensure that mortgage lenders are using the European Standardised Information Sheet (ESIS) or an equivalent by 21 March 2016, and the impact that this could have on UK consumers.</p><p> </p><p> </p><p> </p><p>The FCA have published details on the changes they will make to their mortgage rules, including what the impact of the ESIS may be, and these are publicly available on their website.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:08:59 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4044 label Biography information for Andrew Stephenson

347095

	registered interest
	date	27/05/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: EU Action
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent representations he has received on the EU Mortgage Credit Directive; and if he will make a statement.
	tabling member constituency	Pendle
	tabling member printed	Andrew Stephenson
	uin	7
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>The Government has not recently received any representations on the EU Mortgage Credit Directive.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:12:31 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4044 label Biography information for Andrew Stephenson

347778

	registered interest
	date	01/06/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	FIFA
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to discover whether UK financial institutions have been used to carry out illegal transactions related to FIFA.
	tabling member constituency	Eltham
	tabling member printed	Clive Efford
	uin	641
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>The UK has a comprehensive anti-money laundering (AML) and counter financing of terrorism regime‎ and we are committed to ensuring our financial system is a hostile environment for illicit finances.</p><p> </p><p> </p><p> </p><p>The Treasury is responsible for appointing AML supervisors, including the Financial Conduct Authority (FCA). The FCA is responsible for ensuring compliance of financial institutions with their AML requirements.</p><p> </p><p> </p><p> </p><p>The FCA is operationally independent from Government and carries out its functions within the framework of statutory objectives and duties agreed by Parliament.</p><p> </p><p> </p><p> </p><p>The FCA is discussing with banks whether the FIFA episode has highlighted weaknesses in their AML systems and controls.</p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 14:41:02 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	165 label Biography information for Clive Efford

347779

	registered interest
	date	01/06/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	FIFA
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, when the Financial Services Authority was informed of the possibility of UK financial institutions being used to carry out illegal transactions related to FIFA; what steps the Authority took to investigate; and when he was informed about that possibility.
	tabling member constituency	Eltham
	tabling member printed	Clive Efford
	uin	642
	answer	answer is ministerial correction date of answer 04/06/2015 answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government.</p><p> </p><p> </p><p> </p><p>The question has been passed on to the FCA. The FCA will reply directly to the honourable member by letter. A copy of the letter will be placed in the Library of the House</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/06/2015 15:04:22 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	165 label Biography information for Clive Efford