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757124

	registered interest
	date	04/09/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Royal Bank of Scotland: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with UK Financial Investments on the charging of unarranged overdraft fees by the Royal Bank of Scotland.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	7849
	answer	answer is ministerial correction date of answer 12/09/2017 answer text <p>Treasury Ministers and officials meet regularly with colleagues across Government, and the various regulators, to discuss a wide range of issues. As was the case with previous Administrations, it is not the Treasury's practice to provide details of all such discussions.</p><p> </p><p>The Government’s shareholding in the Royal Bank of Scotland (RBS) is managed at arm’s length from Government by UK Financial Investments (UKFI). UKFI is responsible for managing the shareholding on a wholly commercial basis, in a way that creates and protects value for the taxpayer. UKFI is not responsible, for managing the bank itself; RBS retains its own board for strategic and management decisions. Decisions on overdraft fees are solely within the remit of the bank.</p><p> </p><p>The Government supports the work the Financial Conduct Authority is carrying out on high-cost credit, including overdrafts, and will continue to work with them to ensure that all consumers who use high-cost credit products are treated fairly.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 7848 question first answered 12/09/2017 10:38:46 answering member 4095 label Biography information for Steve Barclay
	tabling member	4412 label Biography information for Dr Lisa Cameron

852640

	registered interest
	date	01/03/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Financial Services: Mental Illness
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps his Department is taking to ensure that financial lenders provide appropriate support to customers experiencing mental health difficulties.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	130636
	answer	answer is ministerial correction date of answer 08/03/2018 answer text <p>The government is committed to building an economy that works for everyone, including those experiencing mental health difficulties.</p><p> </p><p>The Regulation of consumer credit is a matter for the Financial Conduct Authority (FCA). The government has given the FCA strong powers to protect consumers. It requires all lenders to treat customers fairly, and to establish appropriate policies for dealing with vulnerable customers, including those with mental health difficulties.</p><p> </p><p>We have passed the honourable lady’s question on to the FCA, who will reply directly to her by letter. A copy of the letter will be placed in the Library of the House.</p> answering member constituency Salisbury answering member printed John Glen question first answered 08/03/2018 12:21:46 answering member 4051 label Biography information for John Glen
	tabling member	4412 label Biography information for Dr Lisa Cameron

757123

	registered interest
	date	04/09/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the (a) Competition and Markets Authority and (b) Financial Conduct Authority on overdraft fees.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	7848
	answer	answer is ministerial correction date of answer 12/09/2017 answer text <p>Treasury Ministers and officials meet regularly with colleagues across Government, and the various regulators, to discuss a wide range of issues. As was the case with previous Administrations, it is not the Treasury's practice to provide details of all such discussions.</p><p> </p><p>The Government’s shareholding in the Royal Bank of Scotland (RBS) is managed at arm’s length from Government by UK Financial Investments (UKFI). UKFI is responsible for managing the shareholding on a wholly commercial basis, in a way that creates and protects value for the taxpayer. UKFI is not responsible, for managing the bank itself; RBS retains its own board for strategic and management decisions. Decisions on overdraft fees are solely within the remit of the bank.</p><p> </p><p>The Government supports the work the Financial Conduct Authority is carrying out on high-cost credit, including overdrafts, and will continue to work with them to ensure that all consumers who use high-cost credit products are treated fairly.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 7849 question first answered 12/09/2017 10:38:46 answering member 4095 label Biography information for Steve Barclay
	tabling member	4412 label Biography information for Dr Lisa Cameron

788988

	registered interest
	date	14/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Revenue and Customs: East Kilbride
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 7 November 2017 to Question 110350, on the proposed transfer of HM Revenue and Customs (HMRC) posts from East Kilbride to Glasgow, on what dates meetings between HMRC and departmental trade unions took place.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	112821
	answer	answer is ministerial correction date of answer 21/11/2017 answer text <p>HM Revenue and Customs (HMRC) held a specific briefing event for managers and the departmental trade unions on 10 November 2015 to share the plans, formally, for its future locations strategy in advance of the announcement on 12 November 2015. This included the detail for all regional centres, specialist sites, transitional sites and a head office presence at Westminster. Prior to this, HMRC held discussions with the unions in confidence about its plans as they developed and in advance of the decisions being made.</p><p> </p><p>The Regional Engagement Group for Glasgow meets on a monthly basis to consider implementation activity for Glasgow, including the moves to Glasgow from East Kilbride and Cumbernauld. There is union representation at these meetings. Topics for discussion are prioritised in accordance with the timeline for office closures in the region. HMRC is retaining East Kilbride as a transitional site until 2025-26 so the detail for this specific move is not yet finalised.</p><p> </p><p>HMRC continues to engage with the unions at both local and national levels throughout the delivery of the Locations Programme.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 21/11/2017 17:08:13 answering member 3935 label Biography information for Mel Stride
	tabling member	4412 label Biography information for Dr Lisa Cameron

780386

	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	Revenue and Customs: East Kilbride
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions officials in his Department have had with (a) the Scottish Government and (b) South Lanarkshire Council on the proposed transfer of HM Revenue and Customs posts from East Kilbride to Glasgow.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	110351
	answer	answer is ministerial correction date of answer 07/11/2017 answer text <p>In relation to the Locations Programme, including the move of staff from East Kilbride to Glasgow, HM Revenue and Customs (HMRC) has regular contact with the departmental trade unions, through scheduled monthly and other meetings and/ or correspondence, to ensure they are aware of its developing plans. Departmental trade unions are briefed in advance of any announcements.</p><p>HMRC works with the unions to seek individual solutions for staff members unable to move to regional centres.</p><p>HMRC continues to work with local councils and relevant stakeholders across the UK, including those in Scotland, throughout implementation of this strategy.</p><p>HMRC’s decision to move to regional centres is part of a wider Government strategy to develop Government hubs. HMRC is prioritising its commitment to maximising tax revenue, increasing compliance and reducing the tax gap.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 110349 110350 question first answered 07/11/2017 16:38:35 answering member 3935 label Biography information for Mel Stride
	tabling member	4412 label Biography information for Dr Lisa Cameron

780384

	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	Revenue and Customs: East Kilbride
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions officials of his Department have had with trade union representatives on the proposed transfer of 2,700 HM Revenue and Customs posts from East Kilbride to Glasgow.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	110349
	answer	answer is ministerial correction date of answer 07/11/2017 answer text <p>In relation to the Locations Programme, including the move of staff from East Kilbride to Glasgow, HM Revenue and Customs (HMRC) has regular contact with the departmental trade unions, through scheduled monthly and other meetings and/ or correspondence, to ensure they are aware of its developing plans. Departmental trade unions are briefed in advance of any announcements.</p><p>HMRC works with the unions to seek individual solutions for staff members unable to move to regional centres.</p><p>HMRC continues to work with local councils and relevant stakeholders across the UK, including those in Scotland, throughout implementation of this strategy.</p><p>HMRC’s decision to move to regional centres is part of a wider Government strategy to develop Government hubs. HMRC is prioritising its commitment to maximising tax revenue, increasing compliance and reducing the tax gap.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 110350 110351 question first answered 07/11/2017 16:38:35 answering member 3935 label Biography information for Mel Stride
	tabling member	4412 label Biography information for Dr Lisa Cameron

780385

	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	Revenue and Customs: East Kilbride
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what financial impact assessment the Government has made relating to the transfer of HM Revenue and Customs posts from East Kilbride to Glasgow.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	110350
	answer	answer is ministerial correction date of answer 07/11/2017 answer text <p>In relation to the Locations Programme, including the move of staff from East Kilbride to Glasgow, HM Revenue and Customs (HMRC) has regular contact with the departmental trade unions, through scheduled monthly and other meetings and/ or correspondence, to ensure they are aware of its developing plans. Departmental trade unions are briefed in advance of any announcements.</p><p>HMRC works with the unions to seek individual solutions for staff members unable to move to regional centres.</p><p>HMRC continues to work with local councils and relevant stakeholders across the UK, including those in Scotland, throughout implementation of this strategy.</p><p>HMRC’s decision to move to regional centres is part of a wider Government strategy to develop Government hubs. HMRC is prioritising its commitment to maximising tax revenue, increasing compliance and reducing the tax gap.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 110349 110351 question first answered 07/11/2017 16:38:35 answering member 3935 label Biography information for Mel Stride
	tabling member	4412 label Biography information for Dr Lisa Cameron

839171

	registered interest
	date	08/02/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Domestic Abuse
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what guidance his Department issued to (a) banks and (b) the financial service sector on responding to cases has of domestic abuse in which the perpetrator and victim have a joint bank accounts.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	127729
	answer	answer is ministerial correction date of answer 20/02/2018 answer text <p>The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.</p><p> </p><p>Confirmed Industry Guidance for the FCA’s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer’s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.</p><p> </p><p>The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 127727 question first answered 20/02/2018 12:10:22 answering member 4051 label Biography information for John Glen
	tabling member	4412 label Biography information for Dr Lisa Cameron

839169

	registered interest
	date	08/02/2018
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Domestic Abuse
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, whether all banks and financial service firms are required to have a written policy on domestic abuse.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	127727
	answer	answer is ministerial correction date of answer 20/02/2018 answer text <p>The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.</p><p> </p><p>Confirmed Industry Guidance for the FCA’s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer’s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.</p><p> </p><p>The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 127729 question first answered 20/02/2018 12:10:22 answering member 4051 label Biography information for John Glen
	tabling member	4412 label Biography information for Dr Lisa Cameron

781371

	registered interest
	date	31/10/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Alcoholic Drinks: Excise Duties
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what estimate his Department has made of the change in the level of tax revenues since scrapping the Alcohol Duty Escalator.
	tabling member constituency	East Kilbride, Strathaven and Lesmahagow
	tabling member printed	Dr Lisa Cameron
	uin	110668
	answer	answer is ministerial correction date of answer 06/11/2017 answer text <p>Information on the amount of duty collected is routinely published online by HM Revenue &amp; Customs. This includes information about the amount of revenue collected over the current financial year and over the last 5 years. This can be found at: <a href="https://www.uktradeinfo.com/Statistics/Pages/TaxAndDutybulletins.aspx" target="_blank">https://www.uktradeinfo.com/Statistics/Pages/TaxAndDutybulletins.aspx</a></p> answering member constituency Harrogate and Knaresborough answering member printed Andrew Jones question first answered 06/11/2017 15:20:16 answering member 3996 label Biography information for Andrew Jones
	tabling member	4412 label Biography information for Dr Lisa Cameron