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784662

	registered interest
	date	06/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	National Insurance Credits
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what is their estimate of the number of women who are not claiming Child Benefit due to a parent earning above £50,000 and who do not receive the credit for National Insurance State Pension each year.
	tabling member printed	Baroness Altmann
	uin	HL2880
	answer	answer is ministerial correction date of answer 20/11/2017 answer text <p>Child Benefit can help some claimants qualify for National Insurance credits. These credits count towards their State Pension and protect it by making sure they don’t have gaps in their National Insurance record.</p><p> </p><p>HM Revenue and Customs (HMRC) ensures that individuals have the information they need to make well-informed choices about their pension position and Child Benefit. HMRC provides specific information on the Child Benefit claim form, through the HMRC helpline, online at gov.uk, through partners such as Citizen’s Advice, and in the Bounty Packs that go to new parents.</p><p> </p><p>However, some people may choose not to claim Child Benefit. HMRC does not have an estimate of the number of people whose state pension entitlements are affected by their decision not to claim.</p> answering member printed Lord Bates question first answered 20/11/2017 11:36:31 answering member 1091 label Biography information for Lord Bates
	tabling member	4533 label Biography information for Baroness Altmann

773539

	registered interest
	date	19/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Funerals
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the current level of protection for consumers purchasing a funeral plan, including protection from inappropriate sales and marketing practices.
	tabling member printed	Baroness Burt of Solihull
	uin	HL2254
	answer	answer is ministerial correction date of answer 30/10/2017 answer text <p>The provision of a funeral plan is defined as a regulated activity and falls within the Financial Conduct Authority’s regulatory remit unless specific exemption criteria are met. This arrangement and these exemption criteria are set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.</p><p>This legislation exempts funeral plan providers from the Financial Conduct Authority’s regulatory remit where the following financial arrangements are conducted, which are designed to ensure that the customer’s payments are secure:</p><p> </p><ol><ol><li><p>the customer’s money is held in a trust fund, where more than half of the trustees are unconnected with the funeral plan provider. This trust must be managed by an authorised fund manager and be overseen by a Fellow of the Institute and Faculty of Actuaries; or</p></li><li><p>the customer’s money is placed in a life insurance policy, issued by an authorised insurer.</p><p> </p><p>HM Treasury sets the legislative framework for the regulation of financial services, including the provision of funeral plans, and continues to keep such exemptions under review to ensure the maintenance of effective prudential and conduct standards.</p></li></ol></ol> answering member printed Lord Bates grouped question UIN HL2255 question first answered 30/10/2017 16:29:25 answering member 1091 label Biography information for Lord Bates
	tabling member	1567 label Biography information for Baroness Burt of Solihull

773540

	registered interest
	date	19/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Funerals
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they have any plans to strengthen the regulation of the funeral plan market in order to improve consumer protection.
	tabling member printed	Baroness Burt of Solihull
	uin	HL2255
	answer	answer is ministerial correction date of answer 30/10/2017 answer text <p>The provision of a funeral plan is defined as a regulated activity and falls within the Financial Conduct Authority’s regulatory remit unless specific exemption criteria are met. This arrangement and these exemption criteria are set out in the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.</p><p>This legislation exempts funeral plan providers from the Financial Conduct Authority’s regulatory remit where the following financial arrangements are conducted, which are designed to ensure that the customer’s payments are secure:</p><p> </p><ol><ol><li><p>the customer’s money is held in a trust fund, where more than half of the trustees are unconnected with the funeral plan provider. This trust must be managed by an authorised fund manager and be overseen by a Fellow of the Institute and Faculty of Actuaries; or</p></li><li><p>the customer’s money is placed in a life insurance policy, issued by an authorised insurer.</p><p> </p><p>HM Treasury sets the legislative framework for the regulation of financial services, including the provision of funeral plans, and continues to keep such exemptions under review to ensure the maintenance of effective prudential and conduct standards.</p></li></ol></ol> answering member printed Lord Bates grouped question UIN HL2254 question first answered 30/10/2017 16:29:25 answering member 1091 label Biography information for Lord Bates
	tabling member	1567 label Biography information for Baroness Burt of Solihull

764308

	registered interest
	date	02/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Federation Internationale de L'Automobile: Sudan
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of grants from the Federation Internationale de l’Automobile paid to Sudanese motoring organisations; and whether they intend to ask the Serious Fraud Office to investigate the possibility that corrupt payments were made in relation to those grants.
	tabling member printed	Baroness Cox
	uin	HL1645
	answer	answer is ministerial correction date of answer 16/10/2017 answer text <p>HM Government takes any reports of suspected breaches of the law very seriously.</p><p> </p><p>Information relating to this matter has been received by HM Treasury via its Office of Financial Sanctions Implementation (OFSI). OFSI are engaging with relevant government agencies as appropriate to ensure the information is properly considered.</p><p> </p><p>HM Treasury does not comment further on individual cases.</p> answering member printed Lord Bates question first answered 16/10/2017 13:58:31 answering member 1091 label Biography information for Lord Bates
	tabling member	3364 label Biography information for Baroness Cox

753273

	registered interest
	date	18/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government what assessment they have made of the costs and benefits of agreeing (1) an enhanced equivalence regulation, and (2) a UK–EU bilateral equivalence agreement, as a means of continuing UK–EU collaboration on financial services laws and regulations post-Brexit.
	tabling member printed	Baroness Deech
	uin	HL961
	answer	answer is ministerial correction date of answer 01/08/2017 answer text <p>The government is committed to leaving the EU in a way that underpins prosperity and avoids unnecessary disruption and dangerous cliff edges for businesses. Ensuring there is regulatory coherence between the UK and EU is key to achieving this. Our ambition is for a new EU-UK relationship where there is a strong shared commitment to regulatory coherence. The details of this new relationship are a matter for the negotiations.</p> answering member printed Lord Bates question first answered 01/08/2017 10:57:21 answering member 1091 label Biography information for Lord Bates
	tabling member	3756 label Biography information for Baroness Deech

780311

	registered interest
	date	30/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Insurance Premium Tax
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they plan to review the level of insurance premium tax.
	tabling member printed	Baroness Golding
	uin	HL2675
	answer	answer is ministerial correction date of answer 13/11/2017 answer text <p>The Government keeps all taxes under review. Decisions on taxation are a matter for the Chancellor and are considered as part of the Budget process.</p> answering member printed Lord Bates question first answered 13/11/2017 15:47:55 answering member 1091 label Biography information for Lord Bates
	tabling member	281 label Biography information for Baroness Golding

780312

	registered interest
	date	30/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	House Insurance: Fees and Charges
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of whether insurance premiums levels have deterred people from taking out insurance on their homes.
	tabling member printed	Baroness Golding
	uin	HL2676
	answer	answer is ministerial correction date of answer 06/11/2017 answer text <p>The Financial Conduct Authority (FCA) is responsible for monitoring and regulating the insurance industry. They set the conduct standards required of insurance firms, which aims to ensure consumers are treated fairly and have fair access to affordable insurance products.</p><p> </p><p>If it becomes clear that intervention is necessary, the FCA is able to do so. For example, in April 2017 the FCA took action on the practice of insurers increasing premiums at renewal.</p> answering member printed Lord Bates grouped question UIN HL2677 question first answered 06/11/2017 16:04:43 answering member 1091 label Biography information for Lord Bates
	tabling member	281 label Biography information for Baroness Golding

780313

	registered interest
	date	30/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Insurance: Business
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of how insurance premiums have affected how businesses have determined their investment plans.
	tabling member printed	Baroness Golding
	uin	HL2677
	answer	answer is ministerial correction date of answer 06/11/2017 answer text <p>The Financial Conduct Authority (FCA) is responsible for monitoring and regulating the insurance industry. They set the conduct standards required of insurance firms, which aims to ensure consumers are treated fairly and have fair access to affordable insurance products.</p><p> </p><p>If it becomes clear that intervention is necessary, the FCA is able to do so. For example, in April 2017 the FCA took action on the practice of insurers increasing premiums at renewal.</p> answering member printed Lord Bates grouped question UIN HL2676 question first answered 06/11/2017 16:04:43 answering member 1091 label Biography information for Lord Bates
	tabling member	281 label Biography information for Baroness Golding

764316

	registered interest
	date	02/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Insurance
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assurances they have given regarding the future of long-term insurance contracts in the light of Brexit.
	tabling member printed	Baroness Hayter of Kentish Town
	uin	HL1653
	answer	answer is ministerial correction date of answer 16/10/2017 answer text <p>The government recognises the issues the UK’s departure from the EU creates for firms ability to service long-term contracts in force at EU exit. We are considering in particular risks arising from any change of passporting arrangements and the impact on cross-border contracts, including long-term insurance contracts.</p><p><strong> </strong></p><p>Much of the detail of these arrangements remains a matter for the EU exit negotiation process, but we will continue to provide information to help firms deal with the challenges and take advantage of the opportunities as we move towards our future relationship with the EU.</p><p><strong> </strong></p> answering member printed Lord Bates question first answered 16/10/2017 13:32:37 answering member 1091 label Biography information for Lord Bates
	tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

767914

	registered interest
	date	10/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Revenue and Customs: Birmingham
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what proportion of those who will be working at HMRC's new building at 3 Arena Central in Birmingham will be able to store their bikes in the building; and whether there are any plans to increase the number of HMRC employees cycling to that workplace, in line with their active travel strategy.
	tabling member printed	Baroness Jones of Moulsecoomb
	uin	HL1833
	answer	answer is ministerial correction date of answer 23/10/2017 answer text <p>HMRC is committed to supporting its staff to make sustainable and active travel choices. HMRC is developing a comprehensive Sustainable Travel Plan for each Regional Centre and published the first such plan, for Croydon Regional Centre, in July 2017.</p> answering member printed Lord Bates question first answered 23/10/2017 11:36:41 answering member 1091 label Biography information for Lord Bates
	tabling member	4297 label Biography information for Baroness Jones of Moulsecoomb