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1082272

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, how many people have invested in an Innovative Finance ISA; and what assessment he has made of the level of uptake of that ISA.
	tabling member constituency	Windsor
	tabling member printed	Adam Afriyie
	uin	228624
	answer	answer is ministerial correction date of answer 11/03/2019 answer text According to HMRC statistics, 31,000 innovative finance ISA accounts were subscribed to during the 2017-18 tax year.<p> </p>The Innovative Finance ISA increases the investment options available to investors and forms part of the wider ISA family. An attractive market for peer to peer lending within ISA already exists, with sufficient providers offering a product which meets the needs of lenders and investors. answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:11:56 answering member 4051 label Biography information for John Glen
	tabling member	1586 label Biography information for Adam Afriyie

1082273

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Cards: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the comparative merits of flat rate Interchange Fees as opposed to fees proportional to the value of the transaction; and whether his Department plans to exercise section 7 of the Interchange Fee (Amendment) (EU Exit) Regulations 2018 to decrease the per transaction interchange fee.
	tabling member constituency	Windsor
	tabling member printed	Adam Afriyie
	uin	228625
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <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. Amongst other things, this explored how the Government can best support digital payments. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The European Commission is in the process of reviewing the effectiveness of the Interchange Fee Regulation as part of its usual process. The Payment Systems Regulator, 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. The Government has therefore not made a formal assessment of the Interchange Fee Regulation.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:15:55 answering member 4051 label Biography information for John Glen
	tabling member	1586 label Biography information for Adam Afriyie

1082539

	registered interest
	date	06/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit Unions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what support his Department is providing to Credit Unions to improve their governance policies.
	tabling member constituency	Glasgow East
	tabling member printed	David Linden
	uin	229202
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>The government remains committed to supporting credit unions, which provide vital services to financially under-served communities and contribute to the diversity of the UK’s financial services sector.</p><p> </p><p>At Autumn Budget 2018, the Chancellor announced a two-year pilot of a new prize-linked savings scheme offered through credit unions. This will support the credit union sector through increased membership, awareness and deposits, as well as encouraging participants to build up savings to help them cope with financial shocks. The Chancellor also announced a new £2 million challenge fund to promote innovative solutions from the UK’s Fintech sector to address challenges faced by social and community lenders, including credit unions.</p><p> </p><p>This Government believes improving governance in the sector is best led by the sector itself, and supports ABCUL’s work in this regard.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:19:08 answering member 4051 label Biography information for John Glen
	tabling member	4640 label Biography information for David Linden

1082540

	registered interest
	date	06/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Santander Group
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, which of his Ministers have met with officials from Santander bank in the last two years; and on what dates those meetings took place.
	tabling member constituency	Glasgow East
	tabling member printed	David Linden
	uin	229203
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>Treasury Ministers and officials have meetings with a wide variety of organisations in the public and private sectors, including Santander Bank, as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: <a href="https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel" target="_blank">https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel</a>.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:32:15 answering member 4051 label Biography information for John Glen
	tabling member	4640 label Biography information for David Linden

1081866

	registered interest
	date	04/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Banks: Closures
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the effect of recent bank branch closures on (a) rural and suburban communities and (b) the community of Sheffield Hallam constituency.
	tabling member constituency	Sheffield, Hallam
	tabling member printed	Jared O'Mara
	uin	228131
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>The Treasury does not make assessments of the bank branch network. The decision to close a branch is a commercial issue for the management team of the bank. However, Government believes it is important the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The Financial Conduct Authority undertook an analysis of branch closures as part of their Strategic Review of Retail Banking Business Models. This analysis can be found in Annex 1 of the final report (https://www.fca.org.uk/publication/multi-firm-reviews/strategic-review-retail-banking-business-models-final-report.pdf)</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 13:46:52 answering member 4051 label Biography information for John Glen
	tabling member	4661 label Biography information for Jared O'Mara

1082205

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Women in Finance Charter
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the potential merits of widening the scope of the Women in Finance Charter to other sectors of the economy.
	tabling member constituency	Aberdeen North
	tabling member printed	Kirsty Blackman
	uin	228702
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>It is the Government’s aspiration to see diversity across the UK economy. A diverse workforce is good for business – it is good for customers, for profitability and workplace culture.</p><p> </p><p>HM Treasury’s Women in Finance Charter reflects our ambition to see an improved gender balance in the financial services industry. So far, 300 financial services firms have signed the Charter, committing to implement strategic actions to improve their gender balance at a senior level.</p><p> </p><p>The AAT MP Survey Results positively highlights the need to take action to improve gender diversity across all sectors, as we work towards gender parity as a society.</p><p> </p><p>We recognise that there is still further work to be done to address the gender imbalance in the wider economy, and the need to adopt an industry-led approach so that new initiatives are tailored to the issues each sector is facing. We are pleased to have already seen other sectors take action to improve their gender balance and establish their own initiatives including the Women in Maritime Pledge (the forerunner to the Women in Maritime Charter), the Women in Aviation and Aerospace Charter and the Tech Talent Charter.</p><p> </p><p>We are supportive of this approach and encourage other sectors to consider what further action they can take to improve their gender balance. We will continue to focus on strengthening industry-led work in this area, and sharing knowledge and best practice across sectors, to maximise their impact on the wider economy.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 228703 228704 228705 question first answered 11/03/2019 14:03:17 answering member 4051 label Biography information for John Glen
	tabling member	4357 label Biography information for Kirsty Blackman

1082206

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Women in Finance Charter
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential merits of the conclusions of the AAT MP Survey Results, published on 21 January 2019, which found that 54 per cent of hon. Members would support changing the Women in Finance Charter to incorporate all sectors of the economy.
	tabling member constituency	Aberdeen North
	tabling member printed	Kirsty Blackman
	uin	228703
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>It is the Government’s aspiration to see diversity across the UK economy. A diverse workforce is good for business – it is good for customers, for profitability and workplace culture.</p><p> </p><p>HM Treasury’s Women in Finance Charter reflects our ambition to see an improved gender balance in the financial services industry. So far, 300 financial services firms have signed the Charter, committing to implement strategic actions to improve their gender balance at a senior level.</p><p> </p><p>The AAT MP Survey Results positively highlights the need to take action to improve gender diversity across all sectors, as we work towards gender parity as a society.</p><p> </p><p>We recognise that there is still further work to be done to address the gender imbalance in the wider economy, and the need to adopt an industry-led approach so that new initiatives are tailored to the issues each sector is facing. We are pleased to have already seen other sectors take action to improve their gender balance and establish their own initiatives including the Women in Maritime Pledge (the forerunner to the Women in Maritime Charter), the Women in Aviation and Aerospace Charter and the Tech Talent Charter.</p><p> </p><p>We are supportive of this approach and encourage other sectors to consider what further action they can take to improve their gender balance. We will continue to focus on strengthening industry-led work in this area, and sharing knowledge and best practice across sectors, to maximise their impact on the wider economy.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 228702 228704 228705 question first answered 11/03/2019 14:03:17 answering member 4051 label Biography information for John Glen
	tabling member	4357 label Biography information for Kirsty Blackman

1082207

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Women in Finance Charter
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what discussions he has had with Cabinet colleagues on the widening of the Women in Finance Charter to cover other sectors of the economy.
	tabling member constituency	Aberdeen North
	tabling member printed	Kirsty Blackman
	uin	228704
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>It is the Government’s aspiration to see diversity across the UK economy. A diverse workforce is good for business – it is good for customers, for profitability and workplace culture.</p><p> </p><p>HM Treasury’s Women in Finance Charter reflects our ambition to see an improved gender balance in the financial services industry. So far, 300 financial services firms have signed the Charter, committing to implement strategic actions to improve their gender balance at a senior level.</p><p> </p><p>The AAT MP Survey Results positively highlights the need to take action to improve gender diversity across all sectors, as we work towards gender parity as a society.</p><p> </p><p>We recognise that there is still further work to be done to address the gender imbalance in the wider economy, and the need to adopt an industry-led approach so that new initiatives are tailored to the issues each sector is facing. We are pleased to have already seen other sectors take action to improve their gender balance and establish their own initiatives including the Women in Maritime Pledge (the forerunner to the Women in Maritime Charter), the Women in Aviation and Aerospace Charter and the Tech Talent Charter.</p><p> </p><p>We are supportive of this approach and encourage other sectors to consider what further action they can take to improve their gender balance. We will continue to focus on strengthening industry-led work in this area, and sharing knowledge and best practice across sectors, to maximise their impact on the wider economy.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 228702 228703 228705 question first answered 11/03/2019 14:03:17 answering member 4051 label Biography information for John Glen
	tabling member	4357 label Biography information for Kirsty Blackman

1082208

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Women in Finance Charter
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if he will rename the Women in Finance Charter to reflect the contribution of women across the whole of the economy.
	tabling member constituency	Aberdeen North
	tabling member printed	Kirsty Blackman
	uin	228705
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>It is the Government’s aspiration to see diversity across the UK economy. A diverse workforce is good for business – it is good for customers, for profitability and workplace culture.</p><p> </p><p>HM Treasury’s Women in Finance Charter reflects our ambition to see an improved gender balance in the financial services industry. So far, 300 financial services firms have signed the Charter, committing to implement strategic actions to improve their gender balance at a senior level.</p><p> </p><p>The AAT MP Survey Results positively highlights the need to take action to improve gender diversity across all sectors, as we work towards gender parity as a society.</p><p> </p><p>We recognise that there is still further work to be done to address the gender imbalance in the wider economy, and the need to adopt an industry-led approach so that new initiatives are tailored to the issues each sector is facing. We are pleased to have already seen other sectors take action to improve their gender balance and establish their own initiatives including the Women in Maritime Pledge (the forerunner to the Women in Maritime Charter), the Women in Aviation and Aerospace Charter and the Tech Talent Charter.</p><p> </p><p>We are supportive of this approach and encourage other sectors to consider what further action they can take to improve their gender balance. We will continue to focus on strengthening industry-led work in this area, and sharing knowledge and best practice across sectors, to maximise their impact on the wider economy.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 228702 228703 228704 question first answered 11/03/2019 14:03:17 answering member 4051 label Biography information for John Glen
	tabling member	4357 label Biography information for Kirsty Blackman

1082115

	registered interest
	date	05/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debt Collection: Corruption
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent steps he has taken to (a) reform and (b) tackle widespread corruption in the debt collection industry.
	tabling member constituency	Crewe and Nantwich
	tabling member printed	Laura Smith
	uin	228671
	answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>The government transferred the regulation of debt collection industry acvtivity to the Financial Conduct Authority in 2014. FCA regulation of debt collection agencies (DCAs) provides strong protections for consumers.</p><p> </p><p>In particular, DCAs under FCA regulation have to comply with the FCA’s high-level principle to treat customers fairly, offer appropriate forbearance, and signpost individuals to free, impartial debt advice should a consumer be in default, or in arrears difficulty.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:10:09 answering member 4051 label Biography information for John Glen
	tabling member	4648 label Biography information for Laura Smith