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1125518
star this property registered interest false more like this
star this property date less than 2019-05-08more like thismore than 2019-05-08
star this property answering body
Department for International Trade more like this
star this property answering dept id 202 more like this
star this property answering dept short name International Trade more like this
unstar this property answering dept sort name International Trade more like this
star this property hansard heading Overseas Trade: Germany more like this
star 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 steps they are taking to develop the UK’s post-Brexit trading relationship with Germany. more like this
star this property tabling member printed
Lord Taylor of Warwick more like this
star this property uin HL15613 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property answer text <p>Germany accounts for 10.2% of total UK trade and remains a crucial market for UK goods and services. Total trade in goods and services between the UK and Germany amounted to £132.7 billion in 2018.</p><p> </p><p>In August 2018, my Rt Hon. Friend the Secretary of State for International Trade launched the Export Strategy, through which the Government plans to increase UK total exports as a proportion of GDP to 35% and make Britain a 21st century exporting superpower. Germany will be a priority market for this strategy. We will also continue to promote the UK as a bilateral trading partner, reassuring German businesses that the UK remains open for business and remains an advocate for free trade and open markets.</p> more like this
star this property answering member printed Viscount Younger of Leckie more like this
star this property question first answered
less than 2019-05-22T16:23:42.5Zmore like thismore than 2019-05-22T16:23:42.5Z
star this property answering member
4169
unstar this property label Biography information for Viscount Younger of Leckie more like this
star this property tabling member
1796
unstar this property label Biography information for Lord Taylor of Warwick more like this
1126691
star this property registered interest false more like this
star this property date less than 2019-05-14more like thismore than 2019-05-14
star this property answering body
Department for International Trade more like this
star this property answering dept id 202 more like this
star this property answering dept short name International Trade more like this
unstar this property answering dept sort name International Trade more like this
star this property hansard heading Overseas Trade more like this
star 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, further to the Written Answers by Viscount Younger of Leckie on 14 May (HL15424 and HL15425), which are the 27 members of the World Trade Organisation (WTO) with which the UK trades solely on WTO terms. more like this
star this property tabling member printed
Lord Bowness more like this
star this property uin HL15708 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property answer text <p>The World Trade Organisation (WTO) Members with which the UK trades purely on WTO Terms - not subject to any Free Trade Agreement or preferential trade regime – are: Argentina, Australia, Bahrain, Brazil, Brunei Darussalam, China, Chinese Taipei, Cuba, Gabon, Hong Kong, Kazakhstan, Kuwait, Macao, Malaysia, the Maldives, New Zealand, Oman, Paraguay, Qatar, Russia, Saudi Arabia, Singapore, Thailand, United Arab Emirates, the US, Uruguay and Venezuela.</p><p> </p> more like this
star this property answering member printed Viscount Younger of Leckie more like this
star this property question first answered
less than 2019-05-22T16:50:38.393Zmore like thismore than 2019-05-22T16:50:38.393Z
star this property answering member
4169
unstar this property label Biography information for Viscount Younger of Leckie more like this
star this property tabling member
3496
unstar this property label Biography information for Lord Bowness more like this
1126305
star this property registered interest false more like this
star this property date less than 2019-05-13more like thismore than 2019-05-13
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Insolvency more like this
star 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 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. more like this
star this property tabling member printed
Baroness Hayter of Kentish Town more like this
star this property uin HL15665 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property 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> more like this
star this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-05-22T16:21:03.407Zmore like thismore than 2019-05-22T16:21:03.407Z
star this property answering member
57
unstar this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
4159
unstar this property label Biography information for Baroness Hayter of Kentish Town more like this
1126306
star this property registered interest false more like this
star this property date less than 2019-05-13more like thismore than 2019-05-13
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Insolvency more like this
star 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 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. more like this
star this property tabling member printed
Baroness Hayter of Kentish Town more like this
star this property uin HL15666 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property 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> more like this
star this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-05-22T16:22:56.03Zmore like thismore than 2019-05-22T16:22:56.03Z
star this property answering member
57
unstar this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
4159
unstar this property label Biography information for Baroness Hayter of Kentish Town more like this
1126332
star this property registered interest false more like this
star this property date less than 2019-05-13more like thismore than 2019-05-13
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Banks: Competition more like this
star 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 plans they have, if any, to update competition law to allow for shared banking hubs in areas where local bank branches have been closed. more like this
star this property tabling member printed
Lord Taylor of Warwick more like this
star this property uin HL15692 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property 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>
star this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-05-22T16:37:43.297Zmore like thismore than 2019-05-22T16:37:43.297Z
star this property answering member
57
unstar this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
1796
unstar this property label Biography information for Lord Taylor of Warwick more like this
1126718
star this property registered interest false more like this
star this property date less than 2019-05-14more like thismore than 2019-05-14
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Loans more like this
star 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 whether they have modelled the systemic risk impact of growth in instructional, non bank, lending. more like this
star this property tabling member printed
Lord Myners more like this
star this property uin HL15735 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property 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> more like this
star this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-05-22T16:28:54.077Zmore like thismore than 2019-05-22T16:28:54.077Z
star this property answering member
57
unstar this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
3869
unstar this property label Biography information for Lord Myners more like this
1127020
star this property registered interest false more like this
star this property date less than 2019-05-15more like thismore than 2019-05-15
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Credit more like this
star 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 assessment they have made of any increase in complaints regarding short-term and payday lenders related to those suffering with problem debt. more like this
star this property tabling member printed
Lord Taylor of Warwick more like this
star this property uin HL15781 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property 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>
star this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-05-22T16:23:21.48Zmore like thismore than 2019-05-22T16:23:21.48Z
star this property answering member
57
unstar this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
1796
unstar this property label Biography information for Lord Taylor of Warwick more like this
1125846
star this property registered interest false more like this
star this property date less than 2019-05-09more like thismore than 2019-05-09
star this property answering body
Department for Business, Energy and Industrial Strategy more like this
star this property answering dept id 201 more like this
star this property answering dept short name Business, Energy and Industrial Strategy more like this
unstar this property answering dept sort name Business, Energy and Industrial Strategy more like this
star this property hansard heading Furniture: Fire Resistant Materials more like this
star 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 assessment they have made of the finding of the study Flame retardants in UK furniture increase smoke toxicity more than they reduce fire growth rate, published in the journal Chemosphere in December 2017; and what steps they are taking to ensure that UK furniture is safe. more like this
star this property tabling member printed
The Countess of Mar more like this
star this property uin HL15636 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property answer text <p>As part of the Government’s review of the Furniture and Furnishings (Fire)(Safety) Regulations 1988, we are taking account of a wide range of scientific evidence from external sources including academic papers and studies.</p><p> </p><p>We are committed to reviewing these regulations to ensure that the highest levels of fire safety are maintained while minimising risks to health and the environment.</p> more like this
star this property answering member printed Lord Henley more like this
star this property question first answered
less than 2019-05-22T11:56:26.99Zmore like thismore than 2019-05-22T11:56:26.99Z
star this property answering member
2616
unstar this property label Biography information for Lord Henley more like this
star this property tabling member
1861
unstar this property label Biography information for The Countess of Mar more like this
1125847
star this property registered interest false more like this
star this property date less than 2019-05-09more like thismore than 2019-05-09
star this property answering body
Department for Business, Energy and Industrial Strategy more like this
star this property answering dept id 201 more like this
star this property answering dept short name Business, Energy and Industrial Strategy more like this
unstar this property answering dept sort name Business, Energy and Industrial Strategy more like this
star this property hansard heading Furniture: Fire Resistant Materials more like this
star 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 how much the Office for Product Safety and Standards has spent on product compliance testing under the Furniture and Furnishings (Fire Safety) Regulations 1988 since its formation; and what were the results of such testing. more like this
star this property tabling member printed
The Countess of Mar more like this
star this property uin HL15637 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property answer text <p>The Office for Product Safety and Standards has made available £500,000 in 2018 and £600,000 in 2019 for Local Authority Trading Standards to carry out product compliance testing at accredited laboratories. This testing includes compliance testing under the Furniture and Furnishings (Fire) (Safety) Regulations 1988.</p><p> </p><p>Local Authority Trading Standards take appropriate enforcement action as required in light of the results from this testing.</p> more like this
star this property answering member printed Lord Henley more like this
star this property question first answered
less than 2019-05-22T11:57:10.987Zmore like thismore than 2019-05-22T11:57:10.987Z
star this property answering member
2616
unstar this property label Biography information for Lord Henley more like this
star this property tabling member
1861
unstar this property label Biography information for The Countess of Mar more like this
1125849
star this property registered interest false more like this
star this property date less than 2019-05-09more like thismore than 2019-05-09
star this property answering body
Department for Business, Energy and Industrial Strategy more like this
star this property answering dept id 201 more like this
star this property answering dept short name Business, Energy and Industrial Strategy more like this
unstar this property answering dept sort name Business, Energy and Industrial Strategy more like this
star this property hansard heading Furniture and Furnishings (Fire) (Safety) Regulations 1988 more like this
star 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 when they will respond to their 2016 consultation on updating the Furniture and Furnishings (Fire Safety) Regulations 1988. more like this
star this property tabling member printed
The Countess of Mar more like this
star this property uin HL15639 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove filter
unstar this property answer text <p>This is a complex issue and it is absolutely vital that the Government gets this right: we are committed to reviewing these regulations to ensure that the highest levels of fire safety are maintained while minimising risks to health and the environment.</p><p> </p><p>The Department will publish its response to the 2016 consultation in due course.</p> more like this
star this property answering member printed Lord Henley more like this
star this property question first answered
less than 2019-05-22T13:24:56.007Zmore like thismore than 2019-05-22T13:24:56.007Z
star this property answering member
2616
unstar this property label Biography information for Lord Henley more like this
star this property tabling member
1861
unstar this property label Biography information for The Countess of Mar more like this