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884922
star this property registered interest false more like this
star this property date less than 2018-04-16more like thismore than 2018-04-16
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
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 Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, if he will take steps to ensure that banks maintain records for longer than five years in response to possible legal actions on the mis-selling of (a) tailored business loans and (b) other financial products to small businesses. more like this
star this property tabling member constituency City of Chester more like this
star this property tabling member printed
Christian Matheson more like this
star this property uin 135910 more like this
star this property answer
answer
star this property is ministerial correction true more like this
star this property date of answer less than 2018-04-23more like thismore than 2018-04-23
star this property answer text <p>Oversight of banks’ <ins class="ministerial">record-keeping </ins>processes <ins class="ministerial">for regulated activities, certain related activities, and other ancillary services specifically covered under EU law </ins> <del class="ministerial">and redress schemes regarding the mis-selling of tailored business loans and other financial products to small businesses</del> is the responsibility of the operationally independent Financial Conduct Authority.</p><p><ins class="ministerial">For other activities, such as traditional commercial lending, including Tailored Business Loans, record keeping processes are not subject to FCA requirements and are therefore legal and commercial decisions for banks.</ins></p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2018-04-23T13:12:12.063Zmore like thismore than 2018-04-23T13:12:12.063Z
star this property question first ministerially corrected
less than 2018-06-15T13:21:14.197Zmore like thismore than 2018-06-15T13:21:14.197Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property previous answer version
53154
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4408
star this property label Biography information for Christian Matheson more like this
886128
star this property registered interest false more like this
star this property date less than 2018-04-18more like thismore than 2018-04-18
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
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 Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, pursuant to the oral contribution of the Economic Secretary to the Treasury on 18 January 2018, Official Report column 1127-8, what assessment he has made of the adequacy (a) with which the Financial Conduct Authority consultation paper CP18 sets out (i) Treasury and (ii) FCA powers, duties and responsibilities to small and medium-sized enterprises that suffered from bank maladministration in its proposed expansion of the range of people eligible to complain to the Financial Ombudsman Service from 1 December 2018 and (b) of the remedies available to people who suffered from bank maladministration in August 2007 and (A) went out of business and (B) still trade. more like this
star this property tabling member constituency Strangford more like this
star this property tabling member printed
Jim Shannon more like this
star this property uin 136323 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2018-04-26more like thismore than 2018-04-26
star this property answer text <p>Financial Conduct Authority (FCA) consultation paper CP 18/3 accurately sets out which changes to the Financial Ombudsman Service’s compulsory jurisdiction the FCA could make using its powers.</p><p> </p><p>The Government awaits the outcomes of the analysis currently being conducted by various parties regarding small businesses’ options for resolving disputes with financial services providers.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2018-04-26T13:34:00.803Zmore like thismore than 2018-04-26T13:34:00.803Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4131
star this property label Biography information for Jim Shannon more like this
886130
star this property registered interest false more like this
star this property date less than 2018-04-18more like thismore than 2018-04-18
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
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 Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, pursuant to the oral contribution of the Economic Secretary to the Treasury of 18 January 2018, Official Report, column 1125, whether the Financial Conduct Authority (FCA) principles set out in paragraph 2.1 of the handbook apply to all firms authorised by the FCA for its (a) regulated and (b) unregulated business. more like this
star this property tabling member constituency Strangford more like this
star this property tabling member printed
Jim Shannon more like this
star this property uin 136325 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2018-04-26more like thismore than 2018-04-26
star this property answer text <p>The Principles for Businesses set out in paragraph 2.1 of the Financial Conduct Authority (FCA) handbook are directed at authorised firms’ conduct in relation to their regulated activity, with three exceptions (as set out in paragraph 3.2): principle three – the adequacy of a firm’s systems and controls; principle four – the adequacy of a firm’s financial resources; and principle eleven – the duty to deal with the FCA in an open and co-operative way. These three principles apply to authorised firms’ regulated and unregulated business.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2018-04-26T13:28:13.573Zmore like thismore than 2018-04-26T13:28:13.573Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4131
star this property label Biography information for Jim Shannon more like this
783162
star this property registered interest false more like this
star this property date less than 2017-11-03more like thismore than 2017-11-03
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 2 November 2017 to Question 109593, what representations he has made to representatatives of the banking sector on the accessibility of full banking services for SMEs when their bank branch closes. more like this
star this property tabling member constituency Sefton Central more like this
star this property tabling member printed
Bill Esterson more like this
star this property uin 111345 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-11-13more like thismore than 2017-11-13
star this property answer text <p>The Government is committed to improving access to financial services.</p><p> </p><p>The Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p> more like this
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property question first answered
less than 2017-11-13T13:57:30.017Zmore like thismore than 2017-11-13T13:57:30.017Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4061
star this property label Biography information for Bill Esterson more like this
789231
star this property registered interest false more like this
star this property date less than 2017-11-14more like thismore than 2017-11-14
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 13 November 2017 to Question 111345, on bank services: small businesses, what representations he has received from business organisations on the (a) accessibility of full banking services for small and medium-sized enterprises when their bank branch closes and (b) suitability of the Post Office counter network for business banking. more like this
star this property tabling member constituency Sefton Central more like this
star this property tabling member printed
Bill Esterson more like this
star this property uin 113143 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-11-20more like thismore than 2017-11-20
star this property answer text <p>Treasury Ministers and officials receive representations from a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery.</p><p> </p><p>The Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p> more like this
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property question first answered
less than 2017-11-20T15:32:47.903Zmore like thismore than 2017-11-20T15:32:47.903Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4061
star this property label Biography information for Bill Esterson more like this
800552
star this property registered interest false more like this
star this property date less than 2017-12-04more like thismore than 2017-12-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what steps his Department is taking to support small businesses whose local bank branches have just closed or are at risk of closure. more like this
star this property tabling member constituency Portsmouth South more like this
star this property tabling member printed
Stephen Morgan more like this
star this property uin 117173 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-12-12more like thismore than 2017-12-12
star this property answer text <p>The Government is committed to improving access to financial services. While the decision to close a branch remains a commercial judgement for banks, the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Budget, I wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs.</p><p> </p><p>Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p>
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property question first answered
less than 2017-12-12T14:54:57.217Zmore like thismore than 2017-12-12T14:54:57.217Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4653
star this property label Biography information for Stephen Morgan more like this
805358
star this property registered interest false more like this
star this property date less than 2017-12-12more like thismore than 2017-12-12
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what assessment he has made of the effect on small businesses of the bank branch closures recently announced by Royal Bank of Scotland and Lloyds Banking Group in Scotland. more like this
star this property tabling member constituency Airdrie and Shotts more like this
star this property tabling member printed
Neil Gray more like this
star this property uin 119030 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-12-18more like thismore than 2017-12-18
star this property answer text <p>I discussed RBS Group’s recent branch closure announcement with the Scottish Minister for Business, Innovation and Energy on 4 December.</p><p> </p><p>The Government is committed to improving access to financial services. While the decision to close a branch remains a commercial judgement for banks, the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of banks’ personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, I wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p>
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property grouped question UIN
118947 more like this
118949 more like this
118952 more like this
119033 more like this
star this property question first answered
less than 2017-12-18T17:36:13.907Zmore like thismore than 2017-12-18T17:36:13.907Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4365
star this property label Biography information for Neil Gray more like this
805361
star this property registered interest false more like this
star this property date less than 2017-12-12more like thismore than 2017-12-12
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, when he last discussed with the Scottish Government the effect on small businesses of the bank branch closures recently announced by (a) Royal Bank of Scotland and (b) Lloyds Banking Group in Scotland. more like this
star this property tabling member constituency Airdrie and Shotts more like this
star this property tabling member printed
Neil Gray more like this
star this property uin 119033 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-12-18more like thismore than 2017-12-18
star this property answer text <p>I discussed RBS Group’s recent branch closure announcement with the Scottish Minister for Business, Innovation and Energy on 4 December.</p><p> </p><p>The Government is committed to improving access to financial services. While the decision to close a branch remains a commercial judgement for banks, the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of banks’ personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, I wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p>
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property grouped question UIN
118947 more like this
118949 more like this
118952 more like this
119030 more like this
star this property question first answered
less than 2017-12-18T17:36:14.123Zmore like thismore than 2017-12-18T17:36:14.123Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4365
star this property label Biography information for Neil Gray more like this
808804
star this property registered interest false more like this
star this property date less than 2017-12-18more like thismore than 2017-12-18
star this property answering body
HM Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services: Small Businesses remove filter
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, if he will make it his policy to expand the role of the Financial Services Ombudsman to allow all small and medium sized businesses to make complaints on banking services. more like this
star this property tabling member constituency Linlithgow and East Falkirk more like this
star this property tabling member printed
Martyn Day more like this
star this property uin 119913 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2017-12-21more like thismore than 2017-12-21
star this property answer text <p>The remit of the Financial Ombudsman Services (FOS) is a matter for the Financial Conduct Authority, which is operationally independent of Government. The FCA indicated in the April 2017 Feedback Statement on their Mission consultation that they intend to consult on widening the remit of the FOS.</p> more like this
star this property answering member constituency North East Cambridgeshire more like this
star this property answering member printed Stephen Barclay more like this
star this property question first answered
less than 2017-12-21T10:52:20.393Zmore like thismore than 2017-12-21T10:52:20.393Z
star this property answering member
4095
star this property label Biography information for Stephen Barclay more like this
star this property tabling member
4488
star this property label Biography information for Martyn Day more like this