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77864

	registered interest
	date	15/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Mortgages
	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 reduce the bureaucracy required to apply for a new mortgage.
	tabling member constituency	High Peak
	tabling member printed	Andrew Bingham
	uin	205997
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Financial Conduct Authority (FCA) has recently put in place new regulations for mortgages in the UK, known as the ‘Mortgage Market Review’ (MMR). The MMR is a matter for the FCA, whose day-to-day operations are independent from government control and influence.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:11:37 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3994 label Biography information for Andrew Bingham

77860

	registered interest
	date	15/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	First Time Buyers
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of the success of steps taken to encourage and facilitate first time buyers and young people to get onto the property ladder.
	tabling member constituency	Belfast North
	tabling member printed	Mr Nigel Dodds
	uin	205895
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Help to Buy scheme is helping hardworking people realise their home-owning aspirations across the UK. Over 27,000 households have bought a new home through Help to Buy so far, and 85 per cent of these have been first-time buyers. Between 2011/12 and 2013/14 11,000 first time buyers were helped through the FirstBuy scheme</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:13:16 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	1388 label Biography information for Lord Dodds of Duncairn

78064

	registered interest
	date	15/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Credit: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will bring forward legislative proposals to ensure that pay day loan companies are restricted from deliberately intimidating their customers.
	tabling member constituency	Belfast North
	tabling member printed	Mr Nigel Dodds
	uin	205836
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Government has fundamentally reformed the regulation of the payday lending market. Regulatory responsibility for consumer credit transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April. The FCA has transposed key parts of the OFT’s Debt Collection Guidance into binding rules, which sets out the types of business practices considered unfair and incompatible with fitness to operate.</p><p> </p><p>The FCA is undertaking a thematic review into payday lenders’ debt collection practices to ensure that firms treat customers who are struggling with repayments fairly. The FCA expects to publish the final report early in 2015 which will set out what practices it has found across the market and how it expects all firms in the market to make sure they are observing the right standards of behaviour.</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:15:04 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	1388 label Biography information for Lord Dodds of Duncairn

65992

	registered interest
	date	07/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Air Travel
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, on what occasions each Minister within his Department has taken domestic flights on official business since May 2010.
	tabling member constituency	Barrow and Furness
	tabling member printed	John Woodcock
	uin	204303
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>This information could only be provided at disproportionate cost.</p><p> </p><p>Details of all Ministerial overseas travel are published on a quarterly basis and can be found on www.gov.uk/government/publications.</p><p> </p><p> </p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 204368 question first answered 22/07/2014 08:52:28 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3917 label Biography information for Lord Walney

65857

	registered interest
	date	04/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Credit: EU Law
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, whether consumer credit firms and peer-to-peer platforms located outside the UK but within the European Economic Area will (a) need to be authorised or supervised by the Financial Conduct Authority and (b) continue to be able to lend money online to UK consumers under the terms of the EU Electronic Commerce Directive.
	tabling member constituency	Ealing, Southall
	tabling member printed	Mr Virendra Sharma
	uin	204077
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>In general, firms which are established outside the UK and which carry on a regulated activity in the UK require permission from the Financial Conduct Authority (FCA) and come under FCA supervision.</p><p> </p><p>Consumer credit firms and peer-to-peer platforms which are established outside the UK but within the European Economic Area (EEA) may only provide services in the UK without permission from the FCA if they do so as an ‘information society services’ (ISS) under the Electronic Commerce Directive. This means that the firm must be operating exclusively online and have no physical presence in the UK.</p><p> </p><p> </p><p>The Government has announced that it intends to give the FCA new powers to take action against credit firms trying to abuse its rights under the E-Commerce Directive to avoid FCA regulation.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 08:48:10 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	1604 label Biography information for Mr Virendra Sharma

77026

	registered interest
	date	10/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Procurement
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how much and what proportion of his Department's budget was spent on activities which were contracted out in (a) 2009-10, (b) 2010-11, (c) 2011-12, (d) 2012-13 and (e) 2013-14; and how much and what proportion of his Department's budget he expects to be contracted out in 2014-15.
	tabling member constituency	Tooting
	tabling member printed	Sadiq Khan
	uin	205215
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The departments accounting system does not separately identify spend on activities which are contracted out; this information could not be extracted within the disproportionate cost threshold.</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 08:41:02 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	1577 label Biography information for Sadiq Khan

65994

	registered interest
	date	07/07/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Domestic Visits
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 19 June 2014, Official Report, column 675W, on official visits, what domestic visits each of the Ministers of his Department has made since January 2013; and what the purpose of each such visit was.
	tabling member constituency	Edinburgh East
	tabling member printed	Sheila Gilmore
	uin	204368
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>This information could only be provided at disproportionate cost.</p><p> </p><p>Details of all Ministerial overseas travel are published on a quarterly basis and can be found on www.gov.uk/government/publications.</p><p> </p><p> </p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 204303 question first answered 22/07/2014 08:52:28 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3965 label Biography information for Sheila Gilmore