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1126305

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what was the basis for their estimate in the consultation by HMRC Protecting your taxes in insolvency, published on 26 February, that the reintroduction of preferential status for any Crown creditor would yield £185 million per annum in additional tax revenue.
	tabling member printed	Baroness Hayter of Kentish Town
	uin	HL15665
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The estimate is the tax recovered from insolvencies that HM Revenue and Customs (HMRC) would not otherwise have collected before the policy was implemented. Adjustments were made for tax and payment timing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:21:03 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

1126306

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether the proposals in the consultation by HMRC Protecting your taxes in insolvency, published on 26 February, to reintroduce preferential status for any Crown creditor takes into account lost Government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC, and any consequential loss to the economy resulting other taxpayers themselves becoming insolvent due to an increased burden of bad debt; and what assessment, if any, they have made of the impact of that change on lending.
	tabling member printed	Baroness Hayter of Kentish Town
	uin	HL15666
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The ‘Protecting your taxes in insolvency’ proposals take into account lost government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC.</p><p> </p><p>Lending against fixed assets will not be impacted by this measure, but lending against floating assets will be impacted, as HMRC will move above secured creditors with floating charges in insolvencies.</p><p> </p><p>At Budget 2018, the independent OBR chose not to make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:22:56 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

1126332

	registered interest
	date	13/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Banking Hubs: Competition
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have, if any, to update competition law to allow for shared banking hubs in areas where local bank branches have been closed.
	tabling member printed	Lord Taylor of Warwick
	uin	HL15692
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Branch closures can be difficult for the communities affected and the Government pays close attention to this issue. However, the decision to close a branch is a commercial one for a firm, and Government does not intervene in those decisions.</p><p> </p><p>However, the Government is equally clear that as banking providers seek to respond to technological advances and changes in customer behaviour, they must also consider carefully the needs of those who still rely on their local bank branch. Since May 2017, the major high street banks have been signed up to the Access to Banking Standard, which commits them to work with customers and communities to minimise the impact of branch closures and put in place alternative banking services.</p><p> </p><p>The Government also supports the Post Office Banking Framework Agreement which enables 99% of the UK’s personal and 95% of the UK’s small business customers to withdraw money, deposit cash and cheques and check balances at any one of the Post Office’s network of 11,500 branches.</p><p> </p><p> </p><p>While banks do have to comply with competition law, there is no specific regulation that prevents banks from sharing branches or other premises where their strategies align. The Government therefore has no plans to update competition law on this basis. Government does not intervene in these commercial decisions, but will continue to encourage banks to think creatively about how they can ensure that consumers can access a wide range of banking services on a sustainable basis. For example, NatWest, Lloyds Bank and Barclays are trialling shared business banking hubs in 6 locations across the UK in the coming weeks.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:37:43 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1126718

	registered interest
	date	14/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Loans
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they have modelled the systemic risk impact of growth in instructional, non bank, lending.
	tabling member printed	Lord Myners
	uin	HL15735
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Financial Policy Committee (FPC) of the Bank of England was set up to identify, monitor and take action to remove or reduce systemic risks with a view to protecting and enhancing the resilience of the UK financial system as part of the new financial regulatory framework legislated for under The Financial Services Act 2012. Part of the FPC’s remit includes the responsibility for assessing risks in the financial system, including from the non-bank financial system. The FPC set out its most recent assessment of financial stability risks from the non-bank financial sector in its 28th November 2018 Financial Stability Report.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:28:54 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1127020

	registered interest
	date	15/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of any increase in complaints regarding short-term and payday lenders related to those suffering with problem debt.
	tabling member printed	Lord Taylor of Warwick
	uin	HL15781
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market, transferring regulatory responsibility to the Financial Conduct Authority (FCA) on 1 April 2014.</p><p> </p><p>The FCA requires payday lenders to carry out robust affordability checks, limits the number of times a payday loan can be rolled over to two, places tough restrictions on lenders’ use of continuous payment authorities, and requires all payday lending adverts to include a risk warning and information about where to get free debt advice.</p><p> </p><p>The Government has given the FCA strong powers to protect consumers and to take action against firms and individuals that do not meet its standards. In 2018, the FCA issued total fines of £60 million.</p><p><strong> </strong></p><p>On problem debt more broadly, the Government is implementing its manifesto commitment to introduce a breathing space and statutory debt repayment plan. The two polices aim to give people in problem debt the opportunity to take control of their finances and put them on a sustainable footing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:23:21 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1125493

	registered interest
	date	08/05/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	Bus Services: Disability
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to their Bus Services Act 2017: bus open data consultation response, published in January, why the provision of accessibility information “would be too great an implementation burden for bus operators”; and what assessment they have made of the impact of the lack of such information on those with disabilities.
	tabling member printed	Lord Holmes of Richmond
	uin	HL15588
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Department for Transport consulted with bus operators, passengers and their representative groups to explore the technical feasibility of requiring operators and/or local transport authorities to provide accessibility data for both vehicles and stops. We came to the conclusion that the industry is not yet ready to meet this challenge and therefore have chosen to focus on only legally requiring the core data types for the Bus Open Data Digital Service.</p><p> </p><p>Whilst we do consider accessibility information to be of great importance for public transport users, many operators would need to upgrade their systems in order to openly publish accessibility information, and many operators are not currently in a position to do so.</p><p> </p><p>However, we are working with the industry to support the voluntary and open publication of accessibility information and at a later stage in the programme, after the core requirements have been successfully delivered, return to this important data type and consider whether it would be feasible to legally require the industry to openly publish accessibility information about vehicles.</p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 14:20:17 answering member 4580 label Biography information for Baroness Vere of Norbiton
	tabling member	4294 label Biography information for Lord Holmes of Richmond

1125497

	registered interest
	date	08/05/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	Electric Vehicles: Charging Points
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to introduce legislation that requires all electricity used at charging points for electric vehicles to be from renewable sources.
	tabling member printed	Baroness Jones of Moulsecoomb
	uin	HL15592
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>We want an increasing proportion of the electricity used at electric vehicle charging points to be from renewable and low carbon sources. We are taking steps to facilitate this by cleaning up the UK’s power generation and increasing the amount of renewable generation and ensuring electric vehicles play a helpful role in our future smart and flexible energy system.</p><p> </p><p>The Clean Growth Strategy sets out steps the Government is taking to further decarbonise the power sector and the wider economy. Between now and 2050, the Government projects electricity grid emissions will continue to fall with increasing levels of low carbon and distributed renewable generation. To enable these changes in generation, the system is adapting to become more flexible and smarter in order to better manage the new flows in power. Electric vehicles have an important role to play in this transition – offering new opportunities for consumers and the power system. Smart charging will allow charging to happen at times when more renewable energy is available. The department plans to consult on smart chargepoint requirements shortly.</p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 16:53:08 answering member 4580 label Biography information for Baroness Vere of Norbiton
	tabling member	4297 label Biography information for Baroness Jones of Moulsecoomb

1125507

	registered interest
	date	08/05/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	West Coast Partnership Rail Franchise
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether FirstGroup has met all Department of Transport criteria on railways pensions as a shortlisted bidder for the West Coast Partnership rail franchise.
	tabling member printed	Lord Myners
	uin	HL15602
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Department does not comment on a live competition. Please note that all bids received for any franchise competition are evaluated against the requirements and instructions set out in the relevant Invitation To Tender.</p><p> </p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 14:21:03 answering member 4580 label Biography information for Baroness Vere of Norbiton
	tabling member	3869 label Biography information for Lord Myners

1126692

	registered interest
	date	14/05/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	Heathrow Airport: Railways
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they expect (1) funding to be approved, and (2) an application for a Development Consent Order to be made, for a Western Rail Link to Heathrow Airport.
	tabling member printed	Lord Bradshaw
	uin	HL15709
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Government fully supports the development of a Western Rail Link to Heathrow.</p><p> </p><p>The development of a five case business case for the Western Rail Link to Heathrow is nearing completion. The Rail Network Enhancements Pipeline sets out the process and principles underpinning funding of enhancements to the railway.</p><p> </p><p>Subject a satisfactory business case, and the agreement of acceptable terms with the Heathrow aviation industry, funding would be made available to take the project forward to the ‘Design’ gateway. On that basis, Network Rail expects to submit its Development Consent Order later in the Autumn.</p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 14:23:26 answering member 4580 label Biography information for Baroness Vere of Norbiton
	tabling member	2483 label Biography information for Lord Bradshaw

1126693

	registered interest
	date	14/05/2019
	answering body	Department for Transport
	answering dept id	27
	answering dept short name	Transport
	answering dept sort name	Transport
	hansard heading	Heathrow Airport: Railways
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they expect to announce the next stage of the process for selecting a preferred developer for a Southern Rail Link to Heathrow Airport.
	tabling member printed	Lord Bradshaw
	uin	HL15710
	answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Department has not undertaken a procurement process to select a preferred developer for a Southern Rail Link to Heathrow.</p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 14:28:26 answering member 4580 label Biography information for Baroness Vere of Norbiton
	tabling member	2483 label Biography information for Lord Bradshaw