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1130880
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Workplace Pensions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what steps his Department is taking to ensure that (a) investment choices available to workplace pension customers are regularly reviewed by Independent Governance Committees and (b) those investment choices are aligned with the interests of customers. more like this
star this property tabling member constituency Wallasey more like this
star this property tabling member printed
Ms Angela Eagle more like this
star this property uin 262255 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>The Financial Conduct Authority (FCA) introduced rules in 2015 to require contract-based pension providers to set up independent governance committees (IGCs) to address poor consumer outcomes.</p><p>IGCs have a duty to scrutinise the value for money of the provider’s workplace personal pension schemes, taking into account transaction costs, raising concerns and making recommendations to the provider’s board as appropriate. IGCs have a duty to assess whether all the investment choices available, including default options, are suitable for the interests of consumers.</p><p>In 2016, the FCA reviewed IGCs and found that they were “generally effective” in influencing and advancing cost reductions for members. The review also found that the Independent Project Board’s work in auditing high legacy charges and implementing IGCs had been successful. As a result, a substantial majority of consumers received improved outcomes regarding costs and charges, with 1m consumers receiving reduced costs and charges.</p><p>The FCA has announced that it will undertake a further review of IGCs in 2019/20.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property grouped question UIN
262256 more like this
262257 more like this
star this property question first answered
less than 2019-06-13T13:34:39.917Zmore like thismore than 2019-06-13T13:34:39.917Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
491
unstar this property label Biography information for Dame Angela Eagle more like this
1130881
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Workplace Pensions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, if he will make it his policy that Independent Governance Committees attached to contract-based workplace pensions have a duty to monitor the suitability of the retail fund choices available to scheme members. more like this
star this property tabling member constituency Wallasey more like this
star this property tabling member printed
Ms Angela Eagle more like this
star this property uin 262256 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>The Financial Conduct Authority (FCA) introduced rules in 2015 to require contract-based pension providers to set up independent governance committees (IGCs) to address poor consumer outcomes.</p><p>IGCs have a duty to scrutinise the value for money of the provider’s workplace personal pension schemes, taking into account transaction costs, raising concerns and making recommendations to the provider’s board as appropriate. IGCs have a duty to assess whether all the investment choices available, including default options, are suitable for the interests of consumers.</p><p>In 2016, the FCA reviewed IGCs and found that they were “generally effective” in influencing and advancing cost reductions for members. The review also found that the Independent Project Board’s work in auditing high legacy charges and implementing IGCs had been successful. As a result, a substantial majority of consumers received improved outcomes regarding costs and charges, with 1m consumers receiving reduced costs and charges.</p><p>The FCA has announced that it will undertake a further review of IGCs in 2019/20.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property grouped question UIN
262255 more like this
262257 more like this
star this property question first answered
less than 2019-06-13T13:34:39.963Zmore like thismore than 2019-06-13T13:34:39.963Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
491
unstar this property label Biography information for Dame Angela Eagle more like this
1130882
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Workplace Pensions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what assessment his Department has made of the adequacy of scrutiny by Independent Governance Committees of the retail funds offered within workplace pensions products. more like this
star this property tabling member constituency Wallasey more like this
star this property tabling member printed
Ms Angela Eagle more like this
star this property uin 262257 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>The Financial Conduct Authority (FCA) introduced rules in 2015 to require contract-based pension providers to set up independent governance committees (IGCs) to address poor consumer outcomes.</p><p>IGCs have a duty to scrutinise the value for money of the provider’s workplace personal pension schemes, taking into account transaction costs, raising concerns and making recommendations to the provider’s board as appropriate. IGCs have a duty to assess whether all the investment choices available, including default options, are suitable for the interests of consumers.</p><p>In 2016, the FCA reviewed IGCs and found that they were “generally effective” in influencing and advancing cost reductions for members. The review also found that the Independent Project Board’s work in auditing high legacy charges and implementing IGCs had been successful. As a result, a substantial majority of consumers received improved outcomes regarding costs and charges, with 1m consumers receiving reduced costs and charges.</p><p>The FCA has announced that it will undertake a further review of IGCs in 2019/20.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property grouped question UIN
262255 more like this
262256 more like this
star this property question first answered
remove maximum value filtermore like thismore than 2019-06-13T13:34:40.01Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
491
unstar this property label Biography information for Dame Angela Eagle more like this
1130883
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Workplace Pensions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, if his Department will make an assessment of the potential conflict of interests in the business model of vertically integrated companies offering retail investment platforms, asset management and workplace pensions products. more like this
star this property tabling member constituency Wallasey more like this
star this property tabling member printed
Ms Angela Eagle more like this
star this property uin 262258 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to the Member by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-06-13T13:30:26.157Zmore like thismore than 2019-06-13T13:30:26.157Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
491
unstar this property label Biography information for Dame Angela Eagle more like this
1131004
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Insurance more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what steps he is taking to ensure that insurance companies do not unfairly discriminate against consumers with (a) historical and (b) current mental health conditions. more like this
star this property tabling member constituency Livingston more like this
star this property tabling member printed
Hannah Bardell more like this
star this property uin 262447 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>The Government is determined that all insurers should treat customers fairly and firms are required to do so under the Financial Conduct Authority’s (FCA) rules.</p><p> </p><p>The FCA has placed access and vulnerability at the core of the its Mission and Business Plan. For example, it is currently exploring options for signposting consumers with pre-existing and historic medical conditions, such as mental health conditions, to specialist travel insurance providers so that these consumers are better able to access suitable insurance.</p> more like this
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-06-13T13:27:04.977Zmore like thismore than 2019-06-13T13:27:04.977Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4486
unstar this property label Biography information for Hannah Bardell more like this
1131016
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Pension Funds: Consumer Information more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what recent assessment she has made of the adequacy of advice given to retirees accessing their pension funds for the first time. more like this
star this property tabling member constituency Newcastle-under-Lyme more like this
star this property tabling member printed
Paul Farrelly more like this
star this property uin 262271 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>The Government works closely with the Financial Conduct Authority (FCA), the independent financial services regulator, to ensure that the market for pensions advice works well, competitively and fairly, especially as consumers now have a wider variety of choice, with the onset of pension freedoms.</p><p>In 2017, the FCA published the results from its Assessing Suitability Review (ASR I) which looked at pension and investment advice delivered during 2015. The review showed that generally financial advice was suitable in 93.1% of cases, across a statistically representative sample of the entire market. The FCA are undertaking further work looking at the market for pensions transfer advice.</p><p>In August 2015 HM Treasury and the FCA launched the Financial Advice Market Review (FAMR) and have since then implemented its recommendations to ensure the financial advice market works better for consumers. The government and FCA are conducting a review of FAMR throughout 2019.</p><p>The Government is also committed to ensuring that people have access to free-to-access financial guidance and information on the options available to them when accessing their Defined Contribution pension, which is why PensionWise, now part of the Money and Pensions Service (MAPS), was set up in 2015.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-06-13T13:25:01.897Zmore like thismore than 2019-06-13T13:25:01.897Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
1436
unstar this property label Biography information for Paul Farrelly more like this
1131061
star this property registered interest false more like this
star this property date less than 2019-06-10more like thismore than 2019-06-10
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Local Government Services: Migrants more like this
star this property house id 1 more like this
star this property legislature
25259
star 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 of the No Recourse to Public Funds condition on local authority budgets by local authority area. more like this
star this property tabling member constituency Walthamstow more like this
star this property tabling member printed
Stella Creasy more like this
star this property uin 262363 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-06-13
unstar this property answer text <p>I have regular discussions with the Home Secretary and the Communities Secretary about their budgets, including the impact of any government policy that may affect local authority finances.</p><p> </p><p>We need to make sure our immigration system is fair, while also protecting the taxpayer. There are already exemptions to the ‘no recourse to public funds’ condition for those in genuine need, such as those facing destitution or to protect the welfare of a child. I would expect the relevant departments to raise any issues at the Spending Review, where we can consider how we fund our priorities across government.</p><p> </p><p>Local Government Core Spending Power is increasing in real terms this year. We have provided an additional £650m for social care in 2019-20.</p> more like this
star this property answering member constituency South West Norfolk more like this
unstar this property answering member printed Elizabeth Truss more like this
star this property question first answered
less than 2019-06-13T07:25:06.663Zmore like thismore than 2019-06-13T07:25:06.663Z
unstar this property answering member
4097
star this property label Biography information for Elizabeth Truss more like this
star this property tabling member
4088
unstar this property label Biography information for Stella Creasy more like this
1130339
star this property registered interest false more like this
star this property date less than 2019-06-06more like thismore than 2019-06-06
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Public Sector: Tax Avoidance more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what estimate he has made of the number of people working in the public sector that are subject to the 2019 loan charge; and if he will make a statement. more like this
star this property tabling member constituency Welwyn Hatfield more like this
star this property tabling member printed
Grant Shapps more like this
star this property uin 261176 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 2019-06-11more like thismore than 2019-06-11
unstar this property answer text <p>Disguised Remuneration (DR) schemes are contrived arrangements that pay loans in place of ordinary remuneration, with the sole purpose of avoiding income tax and National Insurance contributions. The loans are provided on terms that mean they are not repaid in practice, so they are no different to normal income and are, and always have been, taxable.</p><p> </p><p>The Government estimates that around 50,000 individuals could be affected by the 2019 loan charge. Further information on who the charge affects can be found at page 17 of HM Treasury’s report on time limits and the charge on disguised remuneration loans:</p><p> </p><p><a href="https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/789160/DR_loan_charge_review_web.pdf" target="_blank">https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/789160/DR_loan_charge_review_web.pdf</a>.</p><p> </p><p>This shows, for example, that 65% of the DR user population worked in business services, and only 3% worked in medical or education services.</p>
star this property answering member constituency Hereford and South Herefordshire more like this
unstar this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2019-06-11T14:31:34.69Zmore like thismore than 2019-06-11T14:31:34.69Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
star this property tabling member
1582
unstar this property label Biography information for Grant Shapps more like this
1130342
star this property registered interest false more like this
star this property date less than 2019-06-06more like thismore than 2019-06-06
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Business: Exports more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, how many firms registered under the Registered Exporter system in (a) 2017 and (b) 2018. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 261120 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 2019-06-11more like thismore than 2019-06-11
unstar this property answer text 12,161 exporters registered under the Registered Exporter system in 2017. 28 exporters registered under the Registered Exporter system in 2018. more like this
star this property answering member constituency Hereford and South Herefordshire more like this
unstar this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2019-06-11T14:34:03.37Zmore like thismore than 2019-06-11T14:34:03.37Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
1130404
star this property registered interest false more like this
star this property date less than 2019-06-06more like thismore than 2019-06-06
unstar this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Greenhouse Gas Emissions more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, with reference to the Financial Times article entitled UK net zero emissions target will cost more than £1tn, published on 5 June 2019, if he will place a copy of his letter to the Prime Minister on the costs and benefits of moving to a net zero target for UK greenhouse gas emissions in the House of Commons Library. more like this
star this property tabling member constituency Southampton, Test more like this
star this property tabling member printed
Dr Alan Whitehead more like this
star this property uin 261071 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 2019-06-11more like thismore than 2019-06-11
unstar this property answer text <p>It has been the longstanding policy of successive governments not to comment on the content of leaked material.</p> more like this
star this property answering member constituency Newark more like this
unstar this property answering member printed Robert Jenrick more like this
star this property question first answered
less than 2019-06-11T12:41:50.463Zmore like thismore than 2019-06-11T12:41:50.463Z
unstar this property answering member
4320
star this property label Biography information for Robert Jenrick more like this
star this property tabling member
62
unstar this property label Biography information for Dr Alan Whitehead more like this