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1129583

	registered interest
	date	04/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services: Proof of Identity
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether all existing banking customers must provide proof of identification to banks to check for possible money laundering; if so, under which regulations this policy was brought in; whether an impact assessment was carried out on the costs to customers, particularly those in rural areas, of any such requirements; and what estimate they have made of the total cost of any such policy.
	tabling member printed	Lord Vinson
	uin	HL16068
	answer	answer is ministerial correction date of answer 18/06/2019 answer text The Money Laundering Regulations 2017 (‘the Regulations’) do not require banks to carry out customer due diligence – including identity checks—on all existing customers. The Regulations instead require banks to take a proportionate approach to applying customer due diligence checks commensurate with the risk of money laundering. The legal requirements on banks to carry out customer diligence for existing customers are set out in Regulations 27(8)(9) and 29(7). The Joint Money Laundering Steering Group’s guidance provides further detail on applying these requirements.<p> </p><p>The impact assessment for the transposition of the 4th EU Money Laundering Directive (which led to the most recent revision of the regulations) estimates the total cost of the changes made, while concluding that industry has difficulty in identifying costs caused by the money laundering regulations. This is particularly the case for customer due diligence as many of these are costs that a prudent business would take on in any case as a matter of commercial practice, to comply with UN or EU sanctions, or to protect themselves and their customers from fraud. The full impact assessment is available on gov.uk.</p> answering member printed Lord Young of Cookham question first answered 18/06/2019 15:20:03 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1807 label Biography information for Lord Vinson

1132189

	registered interest
	date	13/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Workplace Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to ensure that independent governance committees (IGCs) monitor and provide effective oversight of the suitability of all the retail fund choices available to pension scheme members through the firm which an IGC oversees.
	tabling member printed	Baroness Drake
	uin	HL16350
	answer	answer is ministerial correction date of answer 26/06/2019 answer text 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. 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><strong> </strong></p>In 2016, the FCA reviewed IGCs and found that they were “generally effective” in influencing and advancing cost reductions for members. The FCA has announced that it will undertake a further review of IGCs in 2019/20. answering member printed Lord Young of Cookham question first answered 26/06/2019 16:50:19 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4155 label Biography information for Baroness Drake

1130834

	registered interest
	date	10/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	By-elections: Peterborough
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answers by Lord Bourne of Aberystwyth on 3 July 2017 (HL3), 15 September 2017 (HL1448), and 13 October 2017 (HL1671), and by Lord Duncan of Springbank on 21 December 2017 (HL3975), 16 March 2018 (HL6045), 20 November 2018 (HL11393 and HL11394), and 17 May (HL15556), what assessment they have made of whether there was any abuse of the electoral system in the conduct of the by-election for Peterborough on 6 June; and if there was any such abuse, what assessment they have made of whether this is part of a wider pattern of abuse of the electoral system.
	tabling member printed	Lord Maginnis of Drumglass
	uin	HL16201
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>We take the security and integrity of our democratic processes very seriously.</p><p>The running of polls is a matter for independent returning officers, not the Government. The Electoral Commission engage with the returning officers, electoral staff and registered parties providing assistance in disseminating information and advice to individuals delivering or participating in elections.</p><p>We have processes in place to defend against electoral fraud. There is ongoing work with electoral administrators to ensure our elections remain secure and robust, both now and in the future. Measures like voter ID are the latest in our efforts to respect, protect and promote our democracy.</p><p>Where abuse of the electoral system is alleged, it is for the Electoral Commission or Police to investigate such claims.</p> answering member printed Lord Young of Cookham question first answered 20/06/2019 14:55:39 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	648 label Biography information for Lord Maginnis of Drumglass

1130590

	registered interest
	date	06/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	European Parliament: Elections
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the statement by Lord Young of Cookham on 5 June (HL Deb, cols 110–14), how many European Parliament Voter Registration (UC1) forms they received from the government of Belgium in respect of UK citizens, resident in Belgium, who had declared their intention to vote in the European Parliament elections in (1) 2014, and (2) 2019, in Belgium under the terms of EU Council Directive 93/109/EC; where those forms were received; how they distributed those forms to the respective UK constituencies; and how many such forms they sent to the government of Belgium in respect of EU citizens, resident in the UK, who had declared their intention to vote in the European Parliament elections in (a) 2014, and (b) 2019, in the UK.
	tabling member printed	Lord Balfe
	uin	HL16134
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>Under EU law, EU citizens living in another Member State are able to vote in their State of residence in European Parliamentary elections. Member States will, therefore, arrange for EU nationals to register to vote in their State of residence for these elections. Member States in advance of an upcoming European Parliamentary poll will exchange with each other data on EU nationals who have chosen to register to vote in another Member State. This is intended to identify and avoid double voting at European elections.</p><p> </p><p>In the UK, the UC1 form implements this requirement under EU law. EU Council Directive 93/109/EC requires all Member States to send the details of any EU citizens’ declarations to the state they are a citizen of, “sufficiently in advance of polling day” to ensure an EU citizen does not vote twice in the same European Parliamentary election. This is not a new requirement and has been in place for previous European Parliamentary elections. A similar provision applies to UK citizens living in the other EU Member States.</p><p> </p><p>The UK Government receives data about UK citizens from the other Member States via a secure online portal managed by the European Commission. Data that can be matched to a local authority is then shared with the relevant local authority via encrypted file transfers. Electoral Registration Officers are responsible for sending the data in respect of EU nationals in the UK to the relevant Member States; the Cabinet Office does not see this data. The requested figures are attached in a deposited paper.</p><p> </p><p>In practice, we have found that the Commission’s voter information exchange process is of poor quality, as Member States record different information in respect of persons registering to vote and this may not be sufficient for other States to identify them.</p><p> </p><p>For the avoidance of doubt, this does not hinder the ability of the citizen to register to vote, nor indeed, to vote legally in elections.</p><p> </p><p>Rather, this is a deficiency in the European Commission’s mechanism to identify double voting. Notwithstanding, it is a criminal offence to vote twice in such elections, and information on voting participation will be recorded in marked registers.</p><p><strong><p><p><br></strong></p><p> </p><p><strong> </strong></p><p> </p><p>The requested figures for the European Parliamentary elections in 2014 and 2019 are as follows:</p><p> </p><table><tbody><tr><td><p>Belgium</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p> </p></td><td><p>Usable Records Received</p></td><td><p>Records Sent to Member State</p></td></tr><tr><td><p>2014</p></td><td><p>1</p></td><td><p>1,699</p></td></tr><tr><td><p>2019</p></td><td><p>0</p></td><td><p>Not available yet*</p></td></tr><tr><td><p> </p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>Germany</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p> </p></td><td><p>Usable Records Received</p></td><td><p>Records Sent to Member State</p></td></tr><tr><td><p>2014</p></td><td><p>28</p></td><td><p>13,101</p></td></tr><tr><td><p>2019</p></td><td><p>18</p></td><td><p>Not available yet*</p></td></tr></tbody></table><p> </p><p>*The figures for the 2019 European Parliamentary elections are not currently available.</p><p> </p> answering member printed Lord Young of Cookham grouped question UIN HL16135 question first answered 20/06/2019 14:30:34 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4302 label Biography information for Lord Balfe

1130591

	registered interest
	date	06/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	European Parliament: Elections
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the statement by Lord Young of Cookham on 5 June (HL Deb, cols 110–14), how many European Parliament Voter Registration (UC1) forms they received from the government of Germany in respect of UK citizens, resident in Germany, who had declared their intention to vote in the European Parliament elections in (1) 2014, and (2) 2019, in Germany under the terms of EU Council Directive 93/109/EC; where those forms were received; how they distributed those forms to the respective UK constituencies; and how many such forms they sent to the government of Germany in respect of EU citizens, resident in the UK, who had declared their intention to vote in the European Parliament elections in (a) 2014, and (b) 2019, in the UK.
	tabling member printed	Lord Balfe
	uin	HL16135
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>Under EU law, EU citizens living in another Member State are able to vote in their State of residence in European Parliamentary elections. Member States will, therefore, arrange for EU nationals to register to vote in their State of residence for these elections. Member States in advance of an upcoming European Parliamentary poll will exchange with each other data on EU nationals who have chosen to register to vote in another Member State. This is intended to identify and avoid double voting at European elections.</p><p> </p><p>In the UK, the UC1 form implements this requirement under EU law. EU Council Directive 93/109/EC requires all Member States to send the details of any EU citizens’ declarations to the state they are a citizen of, “sufficiently in advance of polling day” to ensure an EU citizen does not vote twice in the same European Parliamentary election. This is not a new requirement and has been in place for previous European Parliamentary elections. A similar provision applies to UK citizens living in the other EU Member States.</p><p> </p><p>The UK Government receives data about UK citizens from the other Member States via a secure online portal managed by the European Commission. Data that can be matched to a local authority is then shared with the relevant local authority via encrypted file transfers. Electoral Registration Officers are responsible for sending the data in respect of EU nationals in the UK to the relevant Member States; the Cabinet Office does not see this data. The requested figures are attached in a deposited paper.</p><p> </p><p>In practice, we have found that the Commission’s voter information exchange process is of poor quality, as Member States record different information in respect of persons registering to vote and this may not be sufficient for other States to identify them.</p><p> </p><p>For the avoidance of doubt, this does not hinder the ability of the citizen to register to vote, nor indeed, to vote legally in elections.</p><p> </p><p>Rather, this is a deficiency in the European Commission’s mechanism to identify double voting. Notwithstanding, it is a criminal offence to vote twice in such elections, and information on voting participation will be recorded in marked registers.</p><p><strong><p><p><br></strong></p><p> </p><p><strong> </strong></p><p> </p><p>The requested figures for the European Parliamentary elections in 2014 and 2019 are as follows:</p><p> </p><table><tbody><tr><td><p>Belgium</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p> </p></td><td><p>Usable Records Received</p></td><td><p>Records Sent to Member State</p></td></tr><tr><td><p>2014</p></td><td><p>1</p></td><td><p>1,699</p></td></tr><tr><td><p>2019</p></td><td><p>0</p></td><td><p>Not available yet*</p></td></tr><tr><td><p> </p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>Germany</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p> </p></td><td><p>Usable Records Received</p></td><td><p>Records Sent to Member State</p></td></tr><tr><td><p>2014</p></td><td><p>28</p></td><td><p>13,101</p></td></tr><tr><td><p>2019</p></td><td><p>18</p></td><td><p>Not available yet*</p></td></tr></tbody></table><p> </p><p>*The figures for the 2019 European Parliamentary elections are not currently available.</p><p> </p> answering member printed Lord Young of Cookham grouped question UIN HL16134 question first answered 20/06/2019 14:30:34 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4302 label Biography information for Lord Balfe

1130845

	registered interest
	date	10/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Lendy
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether, when authorising Lendy, the Financial Conduct Authority (FCA) considered the company to be (1) an agent, or (2) a principal, in the relationship between the lender or borrower; or whether the FCA took no view on this matter.
	tabling member printed	Lord Myners
	uin	HL16212
	answer	answer is ministerial correction date of answer 24/06/2019 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 Lord Myners by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Young of Cookham question first answered 24/06/2019 13:56:52 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1131477

	registered interest
	date	11/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what discussions they have had with the Financial Conduct Authority about establishing an independent review into the (1) role of corporate directors of open-ended investment funds, (2) limitations placed on unlisted and illiquid investments in such funds, and (3) systemic risks arising from daily dealing in the units of investment funds.
	tabling member printed	Lord Myners
	uin	HL16271
	answer	answer is ministerial correction date of answer 24/06/2019 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 Lord Myners by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Young of Cookham question first answered 24/06/2019 15:31:06 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1130252

	registered interest
	date	05/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Lendy: Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they will establish an independent review into the FCA’s supervision of Lendy and the actions taken by the FCA once it had raised questions about the firm’s compliance with minimum regulatory standards and disclosure to lenders.
	tabling member printed	Lord Myners
	uin	HL16113
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>There is an ongoing Financial Conduct Authority (FCA) investigation into the circumstances that have led to the administration of Lendy.</p><p> </p><p>It is important that the FCA rules for P2P lending remain relevant for this evolving sector, and the new rules announced by the FCA on 4 June reflect this. These will help to ensure that investors have the information they need to make effective decisions about P2P investments, without imposing additional costs on borrowers.</p><p> </p> answering member printed Lord Young of Cookham question first answered 19/06/2019 16:39:39 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1129508

	registered interest
	date	04/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Civil Servants: Languages
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to conduct an audit of language skills across the Civil Service.
	tabling member printed	Baroness Coussins
	uin	HL15993
	answer	answer is ministerial correction date of answer 17/06/2019 answer text <p>There are no plans to conduct an audit of language skills across the Civil Service.</p> answering member printed Lord Young of Cookham question first answered 17/06/2019 14:06:09 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3829 label Biography information for Baroness Coussins

1130212

	registered interest
	date	05/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Insurance
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to regulate the credit insurance market to ensure that insurance cover adequately protects the supply chain of product-based businesses.
	tabling member printed	Lord Allen of Kensington
	uin	HL16073
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The underwriting of insurance risk, including credit risks, is a commercial decision, and Government does not prescribe the terms and conditions insurance companies set when offering insurance. This is important to the proper functioning of the economy. Many of the underlying causes of providers restricting credit insurance cover, wider economic uncertainty and sectoral trends, are outside Government control.</p><p> </p><p>Government is clear that it wants all businesses to thrive now and in the future, and will continue close monitoring of the market and affected sectors. Government is determined to make the UK one of the best places in the world to start and grow a business, and has announced multiple measures to support enterprise. Following the Patient Capital Review, we set out a £20 billion action plan at Budget 2017 to finance firms’ growth.</p> answering member printed Lord Young of Cookham question first answered 19/06/2019 16:38:56 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4304 label Biography information for Lord Allen of Kensington