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420943
star this property registered interest false more like this
star this property date less than 2015-10-13more like thismore than 2015-10-13
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, what assessment has been made of the effectiveness of the Government's credit union expansion programme; and what assessment he has made of the feasibility of extending that programme. more like this
star this property tabling member constituency Worcester more like this
star this property tabling member printed
Mr Robin Walker more like this
star this property uin 11604 more like this
star this property answer
answer
star this property is ministerial correction true more like this
star this property date of answer less than 2015-10-19more like thismore than 2015-10-19
star this property answer text <p>DWP’s contract with the Association of British Credit Unions Ltd to deliver the Credit Union Expansion Project began in May 2013. It <del class="ministerial">was</del><ins class="ministerial">is</ins> due to end in April 201<del class="ministerial">5</del><strong><ins class="ministerial">6</ins></strong> but we are currently considering a request for a<ins class="ministerial">n</ins> <del class="ministerial">further</del> extension. The Department has plans to review effectiveness at the end of the Project.</p><br /> more like this
star this property answering member constituency North Swindon more like this
star this property answering member printed Justin Tomlinson more like this
star this property question first answered
less than 2015-10-19T13:14:22.517Zmore like thismore than 2015-10-19T13:14:22.517Z
star this property question first ministerially corrected
less than 2015-10-21T16:31:59.113Zmore like thismore than 2015-10-21T16:31:59.113Z
star this property answering member
4105
star this property label Biography information for Justin Tomlinson more like this
star this property previous answer version
24060
star this property answering member constituency North Swindon more like this
star this property answering member printed Justin Tomlinson more like this
star this property answering member
4105
star this property label Biography information for Justin Tomlinson more like this
star this property tabling member
4091
unstar this property label Biography information for Mr Robin Walker more like this
1059769
star this property registered interest false more like this
star this property date less than 2019-02-12more like thismore than 2019-02-12
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, how many credit unions have been involved in the Credit Union Expansion Project; and in which region do they operate. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 220111 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 2019-02-18more like thismore than 2019-02-18
star this property answer text <p>Over 70 Credit Unions benefited from the Credit Union Expansion Project with products such as an Automated Lending and Decision System. These credit unions operated across England, Wales and Scotland. The Credit Union Expansion Project did not include credit unions in Northern Ireland as the aim of the project was to drive up membership of GB credit unions from a very low base. Across GB less than 1% of the population were members of a credit union at the outset of the project. The situation in Northern Ireland is different with over 26% of the population being members of credit unions. The Minister for Pensions and Financial Inclusion met with representatives of Northern Ireland credit unions on the 20 July 2018 in Belfast.</p> more like this
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property question first answered
less than 2019-02-18T17:45:45.673Zmore like thismore than 2019-02-18T17:45:45.673Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
58587
star this property registered interest false more like this
star this property date less than 2014-06-05more like thismore than 2014-06-05
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 is their assessment of the progress of the Credit Union Expansion Project. more like this
star this property tabling member printed
Lord Kennedy of Southwark more like this
star this property uin HL112 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 2014-06-10more like thismore than 2014-06-10
star this property answer text <p /> <p>The DWP Credit Union Expansion Project contract began in May 2013. Around 80 credit unions are currently participating in the project. ABCUL has started delivering the Automated Loan and decision tool to participating credit unions and feedback is that the tool is ensuring loan decisions are faster, consistent and more efficient to deliver. Procurement of an IT banking platform is also being progressed but much remains to be done particularly on achieving sufficient growth for Credit Unions, and DWP continue to support and monitor the project closely</p> more like this
star this property answering member printed Lord Freud more like this
star this property question first answered
less than 2014-06-10T13:43:31.3329413Zmore like thismore than 2014-06-10T13:43:31.3329413Z
star this property answering member
3893
star this property label Biography information for Lord Freud more like this
star this property tabling member
4153
unstar this property label Biography information for Lord Kennedy of Southwark more like this
673444
star this property registered interest false more like this
star this property date less than 2017-01-16more like thismore than 2017-01-16
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, pursuant to the Answer of 12 January 2017 to Question 58730, on credit unions, what steps he plans to take to complete the expansion project for credit unions; how the £38 million will be allocated; and over what time period that allocation will take place. more like this
star this property tabling member constituency Bolton North East more like this
star this property tabling member printed
Sir David Crausby more like this
star this property uin 59997 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 2017-01-23more like thismore than 2017-01-23
star this property answer text <p>The Contract to deliver the Credit Union Expansion Project was scheduled to end in December 2016. The Association of British Credit Unions Ltd (ABCUL) are delivering the Contract and has provided a proposal to extend the delivery timeline. To allow the proposal to be considered the Department has agreed an interim Contract extension to February 2017.</p><p> </p><p>To the end of December 2016, £30.8.m has been spent. Any remaining expenditure is subject to agreement on ABCUL’s proposal to extend the Contract and delivery of specific outcomes.</p> more like this
star this property answering member constituency Watford more like this
star this property answering member printed Richard Harrington more like this
star this property question first answered
less than 2017-01-23T14:54:45.937Zmore like thismore than 2017-01-23T14:54:45.937Z
star this property answering member
4068
star this property label Biography information for Richard Harrington more like this
star this property tabling member
437
unstar this property label Biography information for Sir David Crausby more like this
797877
star this property registered interest false more like this
star this property date less than 2017-11-30more like thismore than 2017-11-30
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, if he will make a further review of the credit union expansion project to examine the possibility of additional changes that would allow credit unions to offer additional financial services. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 116784 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 2017-12-05more like thismore than 2017-12-05
star this property answer text <p>The Association of British Credit Unions (ABCUL) is delivering the Credit Union Expansion Project. Three credit unions are using the banking platform delivered through CUEP though none have signed off to business as usual. There is no plan to make changes to the contract.</p> more like this
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property question first answered
less than 2017-12-05T14:00:20.377Zmore like thismore than 2017-12-05T14:00:20.377Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
861044
star this property registered interest false more like this
star this property date less than 2018-03-13more like thismore than 2018-03-13
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, for what reasons the Credit Union Expansion Project has been closed; and if she will make a statement. more like this
star this property tabling member constituency Hove more like this
star this property tabling member printed
Peter Kyle more like this
star this property uin 132193 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 2018-03-16more like thismore than 2018-03-16
star this property answer text <p>The DWP engaged a contractor to deliver Credit Union Expansion Project. The contractor repeatedly failed to meet its obligations. This left them in breach of contract and left the DWP with no alternative but to terminate the contract.</p> more like this
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property question first answered
less than 2018-03-16T11:26:46.307Zmore like thismore than 2018-03-16T11:26:46.307Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
4505
unstar this property label Biography information for Peter Kyle more like this
867103
star this property registered interest false more like this
star this property date less than 2018-03-19more like thismore than 2018-03-19
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, what assessment he has made of the outcome of the Credit Union Expansion Project. more like this
star this property tabling member constituency Brentford and Isleworth more like this
star this property tabling member printed
Ruth Cadbury more like this
star this property uin 133221 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 2018-03-27more like thismore than 2018-03-27
star this property answer text <p>The contractor for the Credit Union Expansion Project (CUEP) facilitated access to a standardised banking service. This banking platform allows credit union members to receive a range of banking services and benefit from more affordable credit. The platform is currently used by three credit unions with a total of approximately 16.5k members and allows these members to benefit from 24 hour online access to their accounts, and receive faster payments on a loan on the same day, usually within 4 hours.</p><p> </p><p>CUEP led to a number of credit unions to merge, and others to work together to develop standardised products and deliver local marketing campaigns to increase membership. CUEP also contributed to credit unions on the platform to increase the amount and value of loans made.</p><p>CUEP ended on 16 February 2018 and it is too early to say what effect it had on the credit union sector. It should be noted that the credit union sector has grown over the lifetime of CUEP. As of January 2018, credit unions in Great Britain serve over 1.1 million adult members and have total assets of £1.5 billion and £815m in loans.</p><p>The project will undertake an evaluation as part of the project closure.</p>
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property grouped question UIN 133223 more like this
star this property question first answered
less than 2018-03-27T12:48:52.873Zmore like thismore than 2018-03-27T12:48:52.873Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
4389
unstar this property label Biography information for Ruth Cadbury more like this
867104
star this property registered interest false more like this
star this property date less than 2018-03-19more like thismore than 2018-03-19
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, what plans he has to publish the accounts of the Credit Union Expansion Project. more like this
star this property tabling member constituency Brentford and Isleworth more like this
star this property tabling member printed
Ruth Cadbury more like this
star this property uin 133222 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 2018-03-27more like thismore than 2018-03-27
star this property answer text <p>DWP engaged a contractor to deliver the Credit Union Expansion Project (CUEP). It is the responsibility of the contractor to include any disclosure relating to the project within their accounts.</p> more like this
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property question first answered
less than 2018-03-27T12:56:03.1Zmore like thismore than 2018-03-27T12:56:03.1Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
4389
unstar this property label Biography information for Ruth Cadbury more like this
867105
star this property registered interest false more like this
star this property date less than 2018-03-19more like thismore than 2018-03-19
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, what effect the Credit Union Expansion Project had on access to finance for people who are financially excluded. more like this
star this property tabling member constituency Brentford and Isleworth more like this
star this property tabling member printed
Ruth Cadbury more like this
star this property uin 133223 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 2018-03-27more like thismore than 2018-03-27
star this property answer text <p>The contractor for the Credit Union Expansion Project (CUEP) facilitated access to a standardised banking service. This banking platform allows credit union members to receive a range of banking services and benefit from more affordable credit. The platform is currently used by three credit unions with a total of approximately 16.5k members and allows these members to benefit from 24 hour online access to their accounts, and receive faster payments on a loan on the same day, usually within 4 hours.</p><p> </p><p>CUEP led to a number of credit unions to merge, and others to work together to develop standardised products and deliver local marketing campaigns to increase membership. CUEP also contributed to credit unions on the platform to increase the amount and value of loans made.</p><p>CUEP ended on 16 February 2018 and it is too early to say what effect it had on the credit union sector. It should be noted that the credit union sector has grown over the lifetime of CUEP. As of January 2018, credit unions in Great Britain serve over 1.1 million adult members and have total assets of £1.5 billion and £815m in loans.</p><p>The project will undertake an evaluation as part of the project closure.</p>
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property grouped question UIN 133221 more like this
star this property question first answered
less than 2018-03-27T12:48:52.937Zmore like thismore than 2018-03-27T12:48:52.937Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
4389
unstar this property label Biography information for Ruth Cadbury more like this
991171
star this property registered interest false more like this
star this property date less than 2018-10-19more like thismore than 2018-10-19
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Credit Unions remove filter
unstar 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 the Secretary of State for Work and Pensions, what assessment she has made of the effectiveness of the credit union expansion project. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 181556 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 2018-10-24more like thismore than 2018-10-24
star this property answer text <p>Government is committed to facilitating sustainable financial services that give consumers greater choice in accessing credit. Credit union membership in Great Britain has increased year-on-year since 2014, rising to around 1.32 million members in 2017; this was an increase of over 150,000 individuals over the 3 year period. It is even more encouraging that credit unions are becoming more popular with junior members; in 2017 there were over 139,000 junior members of credit unions in Great Britain compared to around 128,000 in 2014.</p><p> </p><p>The Credit Union Expansion Project (CUEP) aims were for participating credit unions to modernise and grow in a financially sustainable way, over time. The contractor aimed to deliver that by enabling credit unions to access a standardised banking service.</p><p>CUEP has delivered an Automated Loans and Decision tool (ALD) used by over 70 credit unions, centralised services such as a standardised front facing website, and that the ALD has allowed credit unions to achieve up to 40% administrative savings on delivering loans and reduce provision for unpaid debt by over £1 million. CUEP also led to a number of credit unions to merge, and others to work together to develop standardised products and deliver local marketing campaigns to increase membership. CUEP contributed to credit unions on the platform to increase the value of loans made.</p><p>Due to the Contractors failure to meet contractual milestones, DWP terminated the CUEP contract on 16<sup>th</sup> February 2018. Whilst the contractor has not met their contractual agreement, they have delivered a banking platform that allows credit union members to receive a range of banking services and benefit from more affordable credit. At the point the contract was terminated the platform was being used by three credit unions with a total of approximately 16.5k members allowing members to benefit from 24 hour online access to their accounts, and receive faster payments on a loan on the same day, usually within 4 hours.</p>
star this property answering member constituency Hexham more like this
star this property answering member printed Guy Opperman more like this
star this property question first answered
less than 2018-10-24T15:11:56.777Zmore like thismore than 2018-10-24T15:11:56.777Z
star this property answering member
4142
star this property label Biography information for Guy Opperman more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this