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1141934

	registered interest
	date	24/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Banks: Loans
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they or the Prudential Regulation Authority monitor loans by smaller banks to related parties; and what assessment, if any, they have made of how Wyelands Bank complies in this respect with regulatory limits.
	tabling member printed	Lord Myners
	uin	HL17478
	answer	answer is ministerial correction date of answer 06/08/2019 answer text This is a matter for the Prudential Regulation Authority (PRA), which is operationally independent from Government. The question has been passed on to the PRA. The PRA will reply directly to Lord Myners by letter. A copy of the letter will be placed in the Library of the House. answering member printed Lord Young of Cookham question first answered 06/08/2019 13:37:27 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

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

1135702

	registered interest
	date	01/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Freezing of Assets: Libya
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how much revenue has been raised from frozen Libyan assets in London in each of the last five years for which figures are available.
	tabling member printed	Lord Empey
	uin	HL16795
	answer	answer is ministerial correction date of answer 15/07/2019 answer text The Government’s response of 24 June to the Northern Ireland Affairs Committee report (into Government support for UK victims of IRA attacks that used Qadhafi-supplied Semtex and weapons) set out the information the Government had obtained about tax receipts on frozen Libyan assets held in UK banks. The response states: “Around £17 million has been received in total since the start of the 2016-17 tax year. HMRC currently receives around £5 million each year.” answering member printed Lord Young of Cookham question first answered 15/07/2019 14:36:41 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4216 label Biography information for Lord Empey

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

1133482

	registered interest
	date	19/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services: Equality
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they have taken to ensure that the UK financial sector (1) increases its diversity, and (2) ensures equal pay.
	tabling member printed	Lord Taylor of Warwick
	uin	HL16517
	answer	answer is ministerial correction date of answer 02/07/2019 answer text It is the Government’s aspiration to see diversity across the UK economy, and HM Treasury’s Women in Finance Charter reflects our ambition to see an improved gender balance in the financial services industry. So far, over 330 financial services firms have signed the Charter, committing to implement strategic actions to improve their gender balance in senior positions.<p> </p>Regarding wider work to improve diversity in the UK labour market, we are supporting the government commissioned Hampton-Alexander review to push for 33% of all board and senior leadership positions to be held by women by 2020 in the FTSE 350. Government also fully supports the Parker Review, which recommends that FTSE100 and 250 boards should have at least one director of colour by 2021 and 2024, respectively. The Prime Minister also launched the Race at Work Charter and a consultation on mandatory ethnicity pay reporting as part of a package of measures to make the workplace fairer for people from ethnic minority groups. Over 150 employers have signed the Race at Work Charter, including a number of financial services firms.<p> </p>Equal pay for men and women doing the same work, equivalent work or work of equal value, has been a legal requirement since 1970. The Government remains fully committed to the Equal Pay protections in the Equality Act 2010.<p> </p>In 2017, the Government introduced regulations requiring large employers across all sectors, including financial services, to publish the differences in what they pay their male and female staff in average salaries and bonuses annually. The gender pay gap is caused by many factors and does not necessarily mean an employer has breached equal pay laws. Transparency is key to highlighting gender-based differences in pay and enabling employees to hold their employers to account, particularly where equal pay law may have been breached. answering member printed Lord Young of Cookham question first answered 02/07/2019 16:02:39 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1141550

	registered interest
	date	23/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Conduct Authority
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what tests they apply to determine whether an investigation into the Financial Conduct Authority (FCA) meets the standard required to be described as independent of the FCA; and what assessment they have made of whether FCA employees acting for an investigation compromises its independence.
	tabling member printed	Lord Myners
	uin	HL17418
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>Where such investigations are conducted, HM Treasury take steps to ensure their independence which is crucial to the integrity of their conclusions. For example, in the recent case of the events surrounding the failure of London Capital &amp; Finance plc (LCF), and following a request from the Financial Conduct Authority (FCA), the Economic Secretary to the Treasury required that an independent investigation be carried out under powers in section 77 of the Financial Services Act 2012.</p><p> </p><p>The Economic Secretary approved the appointment of Dame Elizabeth Gloster, an experienced QC and Judge at the High Court and Court of Appeal, to lead it. Prior to this approval, potential conflicts of interest were investigated and HM Treasury is satisfied that Dame Elizabeth is independent from the FCA, HM Treasury and the companies and individuals associated with LCF’s failure.</p><p> </p><p>Under the terms of the Economic Secretary’s Direction to the FCA, Dame Elizabeth has the discretion to appoint a team which is entirely independent of the FCA. A process is now underway to appoint an independent legal team to support Dame Elizabeth in her investigation. The FCA is also under a duty to facilitate the disclosure to Dame Elizabeth any information that she deems relevant to the scope of her investigation. Should Dame Elizabeth wish to raise any matters directly to HM Treasury, she can do so at any time, under the terms of the Direction, via an interim report.</p> answering member printed Lord Young of Cookham question first answered 06/08/2019 13:32:53 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

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

1141563

	registered interest
	date	23/07/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Trade Agreements: Canada
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the impact of a reduction in import tariffs on a post-Brexit trade deal between the UK and Canada.
	tabling member printed	Lord Taylor of Warwick
	uin	HL17431
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>We are working to transition existing EU trade agreements, including CETA, into bilateral deals as the UK leaves the EU. We continue to engage Canada to seek to achieve this at the earliest opportunity, and both sides are committed to a strong trading relationship moving forwards.</p><p> </p><p>If the UK leaves the EU without a deal, the UK will implement a temporary tariff which aims to minimise costs to business and mitigate price impacts on consumers. However, this will be temporary, applying for up to 12 months. It is not the basis for a long-term preferential trading relationship - transition of CETA remains the best foundation for the UK’s future trading relationship with Canada.</p> answering member printed Lord Young of Cookham question first answered 06/08/2019 14:23:50 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

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

1140034

	registered interest
	date	17/07/2019
	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, further to the Written Answer by Lord Young of Cookham on 19 June (HL16113), what discussions they have had with the Financial Conduct Authority about the case for that body to conduct an investigation into its decision to authorise Lendy when it had concerns about that firm’s compliance with minimum regulatory standards and the adequacy of disclosure to lenders; and what assessment they have made of the case for any such investigation to include whether any investors in Lendy (1) suffered losses as a result of that authorisation, and (2) are entitled to compensation from the FCA or another institution.
	tabling member printed	Lord Myners
	uin	HL17269
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>Treasury Ministers and officials have regular meetings with a wide variety of organisations in the public and private sectors, including the Financial Conduct Authority (FCA).</p><p> </p><p>The operationally independent FCA’s investigation into the circumstances that led to the administration of Lendy is ongoing, and it would be inappropriate for Government to pre-empt its findings.</p> answering member printed Lord Young of Cookham question first answered 23/07/2019 11:10:37 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1141168

	registered interest
	date	22/07/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Trade Promotion
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Viscount Younger of Leckie on 17 July (HL16983), whether the Trade Envoys are answerable to Parliament either (1) directly, (2) via a minister, or (3) not at all.
	tabling member printed	Lord Grocott
	uin	HL17351
	answer	answer is ministerial correction date of answer 16/08/2019 answer text <p>Trade Envoys comprised of parliamentarians drawn from both Houses are answerable to Parliament via direct line of report to my Rt. Hon. Friend the Secretary of State for International Trade who is accountable for the programme.</p><p> </p><p>Although the Trade Envoy role is not a ministerial appointment and does not carry formal policy responsibility the Trade Envoys are under the same obligation as Ministers to adhere to the relevant departmental restrictions, guidelines and confidentiality clauses.</p> answering member printed Lord Young of Cookham question first answered 16/08/2019 10:53:28 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	276 label Biography information for Lord Grocott

1139049

	registered interest
	date	15/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Taxation: Young People
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what estimate they have made of the level of (1) income tax, and (2) National Insurance contributions, paid to the public purse by people under the age of 18 in each of the last three years.
	tabling member printed	Lord Browne of Belmont
	uin	HL17134
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>This table contains estimates of the total amount of Income Tax and National Insurance Contribution (NICs) liabilities of individuals who are under the age of 18 at the end of the tax year.</p><p> </p><table><tbody><tr><td colspan="3"><p>Total Income Tax and NICs liability of individuals under age 18 (£ million)</p></td></tr><tr><td><p> </p></td><td><p>Income Tax</p></td><td><p>NICs</p></td></tr><tr><td><p>2014-15</p></td><td><p>41</p></td><td><p>12</p></td></tr><tr><td><p>2015-16</p></td><td><p>47</p></td><td><p>13</p></td></tr><tr><td><p>2016-17</p></td><td><p>38</p></td><td><p>10</p></td></tr></tbody></table><p> </p><p> </p><ol><li><p>All figures presented are rounded to the nearest whole number.</p></li><li><p>These estimates are based on the latest outturn data from the Survey of Personal Incomes (SPI) for 2014-15, 2015-16 and 2016-17.</p></li><li><p>Figures for Income Tax are gross of dividend tax credit consistent with HMRC’s Income Tax liabilities Statistics publication.</p><p> </p><p>Outturn data for the most recent two tax years (2017-18 and 2018‑19) is not yet available. The latest available outturn data in this format is from the Survey of Personal Incomes for 2016‑17. The estimates are for total liabilities rather than amounts actually paid.</p><p><strong> </strong></p></li></ol> answering member printed Lord Young of Cookham question first answered 23/07/2019 16:24:04 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3801 label Biography information for Lord Browne of Belmont

1141516

	registered interest
	date	23/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the impact that the proposal to make HMRC a secondary preferential creditor in insolvencies may have on business rescue support in the UK from April 2020.
	tabling member printed	Baroness Burt of Solihull
	uin	HL17384
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>This reform is designed to ensure that when a business becomes insolvent, more of the taxes paid in good faith by that business’s employees and customers will go to fund public services as intended, rather than being distributed to other creditors such as financial institutions.</p><p>This measure does not include a cap on the age of tax debts which will be eligible for secondary preferential status, nor an exemption for existing lending. Either proposal would introduce potential distortions into the lending market which the Government does not consider to be either fair or proportionate.</p><p>The Government does not expect this reform to have a significant impact on access to finance, the cost of borrowing, business rescue support in the UK or the UK’s ranking in the World Bank’s annual “Doing Business” report.</p><p>Consistent with the Government’s impact assessment, the independent Office for Budget Responsibility (OBR) did not make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham grouped question UIN HL17385 HL17386 HL17387 question first answered 06/08/2019 13:34:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1567 label Biography information for Baroness Burt of Solihull

1141517

	registered interest
	date	23/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the impact that their proposal to make HMRC a secondary preferential creditor in insolvencies will have on the UK’s ranking in the World Bank’s annual "Doing Business" report.
	tabling member printed	Baroness Burt of Solihull
	uin	HL17385
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>This reform is designed to ensure that when a business becomes insolvent, more of the taxes paid in good faith by that business’s employees and customers will go to fund public services as intended, rather than being distributed to other creditors such as financial institutions.</p><p>This measure does not include a cap on the age of tax debts which will be eligible for secondary preferential status, nor an exemption for existing lending. Either proposal would introduce potential distortions into the lending market which the Government does not consider to be either fair or proportionate.</p><p>The Government does not expect this reform to have a significant impact on access to finance, the cost of borrowing, business rescue support in the UK or the UK’s ranking in the World Bank’s annual “Doing Business” report.</p><p>Consistent with the Government’s impact assessment, the independent Office for Budget Responsibility (OBR) did not make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham grouped question UIN HL17384 HL17386 HL17387 question first answered 06/08/2019 13:34:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1567 label Biography information for Baroness Burt of Solihull

1141518

	registered interest
	date	23/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why HM Treasury has decided to not introduce a cap on the age of tax debts which will be eligible for secondary preferential status in insolvencies from April 2020; and what assessment they have made of the impact of this decision on the costs of insolvency procedures and business lending.
	tabling member printed	Baroness Burt of Solihull
	uin	HL17386
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>This reform is designed to ensure that when a business becomes insolvent, more of the taxes paid in good faith by that business’s employees and customers will go to fund public services as intended, rather than being distributed to other creditors such as financial institutions.</p><p>This measure does not include a cap on the age of tax debts which will be eligible for secondary preferential status, nor an exemption for existing lending. Either proposal would introduce potential distortions into the lending market which the Government does not consider to be either fair or proportionate.</p><p>The Government does not expect this reform to have a significant impact on access to finance, the cost of borrowing, business rescue support in the UK or the UK’s ranking in the World Bank’s annual “Doing Business” report.</p><p>Consistent with the Government’s impact assessment, the independent Office for Budget Responsibility (OBR) did not make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham grouped question UIN HL17384 HL17385 HL17387 question first answered 06/08/2019 13:34:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1567 label Biography information for Baroness Burt of Solihull

1141519

	registered interest
	date	23/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insolvency
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why HM Treasury has decided that existing lending will not be exempted from their policy of making HMRC a secondary preferential creditor in insolvencies; and what assessment they have made of the impact of this decision on the continued availability of existing business lending.
	tabling member printed	Baroness Burt of Solihull
	uin	HL17387
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>This reform is designed to ensure that when a business becomes insolvent, more of the taxes paid in good faith by that business’s employees and customers will go to fund public services as intended, rather than being distributed to other creditors such as financial institutions.</p><p>This measure does not include a cap on the age of tax debts which will be eligible for secondary preferential status, nor an exemption for existing lending. Either proposal would introduce potential distortions into the lending market which the Government does not consider to be either fair or proportionate.</p><p>The Government does not expect this reform to have a significant impact on access to finance, the cost of borrowing, business rescue support in the UK or the UK’s ranking in the World Bank’s annual “Doing Business” report.</p><p>Consistent with the Government’s impact assessment, the independent Office for Budget Responsibility (OBR) did not make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham grouped question UIN HL17384 HL17385 HL17386 question first answered 06/08/2019 13:34:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1567 label Biography information for Baroness Burt of Solihull

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

1140491

	registered interest
	date	18/07/2019
	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 whether they have ever formally reviewed the case for the UK establishing its own requirements for liquidity standards for Undertakings for the Collective Investment in Transferable Securities at higher levels than specified by EU Directives; or whether the UK is currently bound by EU rules and cannot introduce higher standards.
	tabling member printed	Lord Myners
	uin	HL17324
	answer	answer is ministerial correction date of answer 23/07/2019 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 23/07/2019 11:17:13 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1141175

	registered interest
	date	22/07/2019
	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, further to the Financial Conduct Authority's (FCA) letter as part of the Written Answer by Lord Young of Cookham on 24 June (HL16212), whether the FCA was (1) informed, or (2) otherwise aware, that investors via Lendy Limited were creditors to a peer-to-peer platform; and whether such information could have been determined from the accounts of Lendy Limited.
	tabling member printed	Lord Myners
	uin	HL17358
	answer	answer is ministerial correction date of answer 05/08/2019 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 05/08/2019 12:02:13 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1135749

	registered interest
	date	01/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	H2O Asset Management
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to conduct, or commission, an investigation into the management of investment portfolios by H2O Asset Management with particular reference to (1) the valuation of unlisted investments, and (2) the accuracy and completeness of statements by that firm’s management of the "gating" of future redemptions.
	tabling member printed	Lord Myners
	uin	HL16842
	answer	answer is ministerial correction date of answer 15/07/2019 answer text <p>There is no requirement for asset management firms to discuss their specific investment strategies with either HM Treasury or the FCA.</p><p> </p><p>The overarching regulatory framework for UK UCITS funds comprises EU and UK legislation and Financial Conduct Authority (FCA) rules.</p><p> </p><p>The FCA is responsible for the supervision of UK funds including UCITS, and have a broad suite of supervisory and investigative powers. For example, the FCA is required to approve the investment objective and policy of UK domiciled funds, as well as statements in the prospectus about the application of investment limits, and firms are required to treat customers fairly.</p><p> </p><p>In circumstances where a UCITS fund is domiciled outside of the UK, the supervision of its compliance with applicable UCITS investment restrictions is a matter for the home state regulator.</p><p> </p><p>If individuals have concerns about their investments, they should speak to their advisor or platform. If individuals have purchased units in a fund directly, they should speak with the relevant firm.</p> answering member printed Lord Young of Cookham grouped question UIN HL16843 question first answered 15/07/2019 14:03:24 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1135750

	registered interest
	date	01/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	H2O Asset Management
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether H20 Asset Management consulted (1) them, or (2) the Financial Conduct Authority, before that company indicated that it would never "gate" redemptions for its funds; what assessment they have made of the accuracy of that statement; and whether H2O Asset Management has been required to back that statement up with a guarantee or credit line.
	tabling member printed	Lord Myners
	uin	HL16843
	answer	answer is ministerial correction date of answer 15/07/2019 answer text <p>There is no requirement for asset management firms to discuss their specific investment strategies with either HM Treasury or the FCA.</p><p> </p><p>The overarching regulatory framework for UK UCITS funds comprises EU and UK legislation and Financial Conduct Authority (FCA) rules.</p><p> </p><p>The FCA is responsible for the supervision of UK funds including UCITS, and have a broad suite of supervisory and investigative powers. For example, the FCA is required to approve the investment objective and policy of UK domiciled funds, as well as statements in the prospectus about the application of investment limits, and firms are required to treat customers fairly.</p><p> </p><p>In circumstances where a UCITS fund is domiciled outside of the UK, the supervision of its compliance with applicable UCITS investment restrictions is a matter for the home state regulator.</p><p> </p><p>If individuals have concerns about their investments, they should speak to their advisor or platform. If individuals have purchased units in a fund directly, they should speak with the relevant firm.</p> answering member printed Lord Young of Cookham grouped question UIN HL16842 question first answered 15/07/2019 14:03:24 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

1137076

	registered interest
	date	04/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insurance Companies: Investment
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to promote investment by the insurance industry into applied research, new technologies, and infrastructure; whether information about any such investments will be published on an annual basis; and if so, where.
	tabling member printed	Lord Hunt of Chesterton
	uin	HL16940
	answer	answer is ministerial correction date of answer 17/07/2019 answer text <p>The treatment of infrastructure investment by insurance undertakings for the purposes of prudential regulation is set by the Solvency II Directive. In March 2019, the EU adopted new Solvency II rules to help insurers to invest in equity and private debt and to provide long-term capital financing. This means that insurers will be able to hold less capital for such investments and will therefore find such investments more attractive. The Government does not collect information about such investments, but individual insurance firms often include such details in their annual reports.</p><p><em> </em></p>The government provides competitive R&amp;D tax reliefs to support businesses to invest. Support for businesses through R&amp;D tax reliefs rose to £3.7 billion in 2015-16, up by almost a quarter from the previous year. The government is also carrying out the Infrastructure Finance Review, to support private infrastructure investment and ensure that infrastructure projects, including those using new technologies, are able to access the finance they need. The review will conclude alongside the National Infrastructure Strategy in the Autumn.<p> </p>In 2018, the UK Government provided £20m of ‘pioneer funding’ through the Next Generation Services Industrial Strategy Challenge Fund to explore how new technologies could transform the UK accountancy, insurance and legal services industries<p> </p> answering member printed Lord Young of Cookham question first answered 17/07/2019 16:31:26 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	2543 label Biography information for Lord Hunt of Chesterton

1133052

	registered interest
	date	18/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Legislative Process
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what proportion of the recommendations in the report of the House of Lords Constitution Committee The Legislative Process: Preparing Legislation for Parliament (HL Paper 19), published in October 2017, they have not accepted and implemented.
	tabling member printed	Lord Norton of Louth
	uin	HL16470
	answer	answer is ministerial correction date of answer 02/07/2019 answer text <p>The then Leader of the House of Commons responded to the Committee's report on 26 January 2018. In her response she committed to asking officials to consider carefully where the Committee's recommendations can be factored into our processes.</p><p><br>The Committee made two recommendations that the Government cannot support, relating to consultations and a legislative standards committee. First, on consultations, the Government agrees that timelines for consultations should be proportionate and realistic to allow stakeholders sufficient time to provide a considered response. However, within these parameters, consultation lengths should be adaptable to the complexity of policy and legislative. Second, on a legislative standards committee, the Government is committed to bringing forward well-drafted legislation of the highest quality but does not believe a legislative standards committee would add to this process.The PBL Committee already serves as a strict gatekeeper to legislation being introduced to Parliament. Furthermore, it is generally not possible to separate views on the standards of a bill from views on the appropriateness of the underlying policy, for which the bill stages in each House already provide the appropriate forum for debate and scrutiny. The Committee’s remaining four recommendations continue to be useful to Government and, as the then Leader of the House of Commons said in her response, are being factored into our processes as appropriate.</p> answering member printed Lord Young of Cookham question first answered 02/07/2019 16:01:04 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3187 label Biography information for Lord Norton of Louth

1130850

	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	European Parliament: Elections
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what instructions they gave to local electoral returning officers regarding the posting of postal votes for the recent elections to the European Parliament.
	tabling member printed	Lord Roberts of Llandudno
	uin	HL16217
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The running of polls is a matter for independent Returning Officers. The Electoral Commission provides guidance and resources for Returning Officers administering European Parliamentary elections on its website.</p><p>It is for Returning Officers to contract with suppliers and service providers for the production and distribution of items like poll cards and postal votes. Delivery times would depend on a number of factors including the recipient’s location.</p> answering member printed Lord Young of Cookham grouped question UIN HL16218 HL16219 question first answered 19/06/2019 11:12:43 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3691 label Biography information for Lord Roberts of Llandudno

1130851

	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	European Parliament: Elections
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many days they expected postal ballots to take to reach each recipient for the recent elections to the European Parliament.
	tabling member printed	Lord Roberts of Llandudno
	uin	HL16218
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The running of polls is a matter for independent Returning Officers. The Electoral Commission provides guidance and resources for Returning Officers administering European Parliamentary elections on its website.</p><p>It is for Returning Officers to contract with suppliers and service providers for the production and distribution of items like poll cards and postal votes. Delivery times would depend on a number of factors including the recipient’s location.</p> answering member printed Lord Young of Cookham grouped question UIN HL16217 HL16219 question first answered 19/06/2019 11:12:44 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3691 label Biography information for Lord Roberts of Llandudno

1130852

	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	European Parliament: Elections
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what service providers other than the Royal Mail they engaged in the postal vote distribution for the recent elections to the European Parliament.
	tabling member printed	Lord Roberts of Llandudno
	uin	HL16219
	answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The running of polls is a matter for independent Returning Officers. The Electoral Commission provides guidance and resources for Returning Officers administering European Parliamentary elections on its website.</p><p>It is for Returning Officers to contract with suppliers and service providers for the production and distribution of items like poll cards and postal votes. Delivery times would depend on a number of factors including the recipient’s location.</p> answering member printed Lord Young of Cookham grouped question UIN HL16217 HL16218 question first answered 19/06/2019 11:12:44 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3691 label Biography information for Lord Roberts of Llandudno

1131478

	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 assessment they have made of any (1) systemic risk arising from open-ended investment funds investing in leveraged sub-investment grade bonds and debt issues by developing world nations denominated in G7 currencies, and (2) risks arising from such maturity transformation.
	tabling member printed	Lord Myners
	uin	HL16272
	answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>The question has been passed to the Bank of England. The Bank of England 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 15:30:53 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1134695

	registered interest
	date	25/06/2019
	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 assessment they have made of the impact of quantitative easing and bank capital requirements on (1) moving credit risk to open-ended investment funds, and (2) financial stability.
	tabling member printed	Lord Myners
	uin	HL16662
	answer	answer is ministerial correction date of answer 08/07/2019 answer text <p>The question has been passed to the Bank of England. The Bank of England 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 08/07/2019 14:53:59 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3869 label Biography information for Lord Myners

1142438

	registered interest
	date	25/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	VAT: Tax Evasion
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many penalties they have issued to online traders based outside the EU for VAT fraud; and what was the total value of such penalties.
	tabling member printed	Lord Clement-Jones
	uin	HL17512
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>The information requested is not held. HM Revenue &amp; Customs (HMRC) record the total number and amount of penalties issued to sellers based overseas who operate on online marketplaces, but do not hold separate figures for EU and non-EU sellers.</p><p> </p><p>Up to 29 July 2019, HMRC have issued VAT penalties to a total of 1,059 overseas sellers; the total penalty amount is £34,056,356.39.</p> answering member printed Lord Young of Cookham question first answered 06/08/2019 13:36:05 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3396 label Biography information for Lord Clement-Jones

1142436

	registered interest
	date	25/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	VAT: Tax Evasion
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the amount lost to the Exchequer due to VAT fraud perpetrated by online traders based outside the EU; and what estimate they have made of the proportion of that fraud originating in China.
	tabling member printed	Lord Clement-Jones
	uin	HL17510
	answer	answer is ministerial correction date of answer 06/08/2019 answer text <p>The information requested is not held. HM Revenue &amp; Customs (HMRC) estimate the tax gap, which encompasses fraud for VAT, excise duties and customs duty. However, it is not possible to produce these estimates for online traders based outside the EU, and for fraud originating in China. Tax gaps for VAT, excise duties and other taxes overall are provided in HMRC’s publication ‘Measuring Tax Gaps’.</p><p> </p><p>HMRC estimate that the tax loss from VAT fraud and error on online marketplaces was between £1 billion and £1.5 billion in 2016/17. The department estimates that overseas sellers contributed to approximately 60% of the VAT loss.</p> answering member printed Lord Young of Cookham question first answered 06/08/2019 13:37:53 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3396 label Biography information for Lord Clement-Jones

1132666

	registered interest
	date	17/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Public Sector: Employment
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, what is the percentage breakdown of public sector employees by (1) gender, and (2) ethnicity, for each region of the United Kingdom.
	tabling member printed	Viscount Waverley
	uin	HL16444
	answer	answer is ministerial correction date of answer 28/06/2019 answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p>Dear Viscount Waverley,</p><p><br>As National Statistician and Chief Executive of the UK Statistics Authority, I am responding to your Parliamentary Question asking what the percentage breakdown of public sector employees is by (1) gender, and (2) ethnicity for each region of the United Kingdom (HL164444).</p><p><br>Estimates of employees by sector of employment are available from the Annual Population Survey (APS), a household survey of people in the UK. In the APS, the distinction between public and private sector is based on respondents’ views about the organisation for which they work. This may differ from how we would classify them for the headline measure of public sector employment. The APS also collects information regarding respondents’ sex and ethnicity.</p><p> </p><p>Table 1 contains estimates of the percentage of public sector employees broken down by sex within each region. Table 2 contains estimates of the percentage of public sector employees broken down by ethnicity within each region. Both breakdowns use APS data for April 2018 to March 2019, the latest period for which data are available.</p><p>As the data are quite extensive, copy of both tables have been placed in the House of Commons Library.</p><p><br>Yours sincerely,</p><p><br><strong>John Pullinger</strong></p> answering member printed Lord Young of Cookham question first answered 28/06/2019 13:49:32 answering member 57 label Biography information for Lord Young of Cookham attachment 1 file name HL16444 - Table.xlsx title UKSA Final Response
	tabling member	1744 label Biography information for Viscount Waverley

1131462

	registered interest
	date	11/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Mesothelioma: Death
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many people have died from mesothelioma in each year from 2010 to the last year for which figures are available.
	tabling member printed	Baroness Kennedy of Cradley
	uin	HL16256
	answer	answer is ministerial correction date of answer 17/06/2019 answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p><p> </p><p> </p><p>Dear Baroness Kennedy,</p><p> </p><p>As National Statistician and Chief Executive of the UK Statistics Authority, I am replying to your Parliamentary Question asking how many people have died from mesothelioma in each year from 2010 to the last year for which figures are available <strong>(HL16256)</strong>.</p><p> </p><p>The Office for National Statistics is responsible for publishing statistics on deaths registered in England and Wales. The most recent figures published are for deaths registered in 2017[1].</p><p> </p><p>Cause of death is defined using the International Classification of Diseases and Related Health Problems, 10 edition (ICD-10). The underlying cause of death is defined by the World Health Organisation as (a) the disease or injury that initiated the train of events directly leading to death, (b) the circumstances of the accident or violence that produced the fatal injury.</p><p> </p><p>Deaths due to an underlying cause of mesothelioma would be assigned the ICD-10 code C45.</p><p> </p><p>Table 1 below provides the numbers of deaths from mesothelioma registered in England and Wales between 2010 and 2017.</p><p> </p><p> </p><p>Yours sincerely,</p><p><strong>John Pullinger</strong></p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p><strong>Table 1:</strong> <strong>Number of deaths with an underlying cause of mesothelioma, persons, England and Wales, 2010 to 2017<strong>[2]</strong><sup>,<strong>[3]</strong>,<strong>[4]</strong>,<strong>[5]</strong></sup></strong></p><p> </p><table><tbody><tr><td><p><strong>Year</strong></p></td><td><p><strong>2010</strong></p></td><td><p><strong>2011</strong></p></td><td><p><strong>2012</strong></p></td><td><p><strong>2013</strong></p></td><td><p><strong>2014</strong></p></td><td><p><strong>2015</strong></p></td><td><p><strong>2016</strong></p></td><td><p><strong>2017</strong></p></td></tr><tr><td><p>Deaths</p></td><td><p>2,079</p></td><td><p>2,101</p></td><td><p>2,214</p></td><td><p>2,261</p></td><td><p>2,356</p></td><td><p>2,308</p></td><td><p>2,313</p></td><td><p>2,279</p></td></tr></tbody></table><p> </p><p><em>Source:</em> Office for National Statistics</p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p>[1]<a href="https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/datasets/deathsregisteredinenglandandwalesseriesdrreferencetables" target="_blank">https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/datasets/deathsregisteredinenglandandwalesseriesdrreferencetables</a></p><p>[2]Underlying cause of death was defined using the International Classification of Diseases and Related Health Problems, 10th edition (ICD-10) code C45.</p><p>[3]Deaths under 28 days are excluded.</p><p>[4]Figures for England and Wales include deaths of non-residents.</p><p>[5]Figures are for deaths registered, rather than deaths occurring in each calendar year.</p><p> </p> answering member printed Lord Young of Cookham question first answered 17/06/2019 14:14:09 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4303 label Biography information for Baroness Kennedy of Cradley

1140039

	registered interest
	date	17/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Brexit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to address any economic downturn that may be caused by a no-deal Brexit.
	tabling member printed	Lord Taylor of Warwick
	uin	HL17274
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>The government’s priority has been to ensure a smooth and orderly withdrawal from the EU with a deal as soon as possible. The government has reached agreement with the EU on an extension until October 31<sup>st</sup> at the latest, with the option to leave earlier as soon as a deal is ratified. However, “No Deal” remains the legal default at the end of the extension period if a deal cannot be reached. As a responsible government we have been preparing for this possibility for almost three years to minimise any disruption in the event of no deal. The Treasury and the Bank of England together have all the tools of fiscal and monetary policy available to us, including the fiscal headroom the Chancellor has held in reserve.</p><p> </p> answering member printed Lord Young of Cookham question first answered 23/07/2019 11:14:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1139104

	registered interest
	date	15/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Public Sector: Workplace Pensions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have, if any, to change the pension arrangements for senior public servants, especially doctors in the NHS, as they approach retirement.
	tabling member printed	Lord Trefgarne
	uin	HL17189
	answer	answer is ministerial correction date of answer 19/07/2019 answer text <p>The government keeps public sector pensions policy under constant review in the context of the wider public finances.</p><p> </p><p>The Secretary of State for Health and Social Care will shortly publish a consultation on proposals for a new flexibility for senior clinicians in the NHS pension scheme via the introduction of a 50:50 option.</p><p> </p> answering member printed Lord Young of Cookham question first answered 19/07/2019 11:07:28 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1813 label Biography information for Lord Trefgarne

1133033

	registered interest
	date	18/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Exchange Rates
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the reasons for (1) sterling losing nearly five per cent of its value against the US dollar since the beginning of May this year, and (2) other major currencies holding their value over the same period.
	tabling member printed	Lord Birt
	uin	HL16451
	answer	answer is ministerial correction date of answer 25/06/2019 answer text <p>The government does not comment on movements in financial markets. It is also important to note that the UK does not have an exchange rate target. Instead the UK’s macroeconomic framework is based on an inflation target, and it is for the independent Monetary Policy Committee to set monetary policy to meet this target.</p><p> </p> answering member printed Lord Young of Cookham question first answered 25/06/2019 12:56:57 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	2533 label Biography information for Lord Birt

1139077

	registered interest
	date	15/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Public Finance
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Lord Young of Cookham on 8 July (HL16704), whether they will carry out a cumulative impact assessment of tax and spending decisions by gendered household type, which avoids the need to make assumptions about income sharing within households.
	tabling member printed	Baroness Lister of Burtersett
	uin	HL17162
	answer	answer is ministerial correction date of answer 22/07/2019 answer text <p>The government carefully considers the impact of its decisions on those sharing protected characteristics - including gender - in line with both its legal obligations and with its strong commitment to promoting fairness.</p><p>However, analysis of the impact of tax and spending decisions by gendered household type will present a partial picture of the impact of policy decisions on different genders as most people live in households with other people.</p> answering member printed Lord Young of Cookham question first answered 22/07/2019 12:57:39 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4234 label Biography information for Baroness Lister of Burtersett

1131480

	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	Personal Income
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government further to the Written Answer by Lord Young of Cookham on 21 May (HL15607), whether the figures given for total take-home pay, child benefit and tax credits for a family of two adults, one of whom is aged 25 or over and works 35 hours per week and receives the National Minimum Wage or National Living Wage, were adjusted for inflation to allow for accurate comparisons between years; and if not, whether they will provide such figures.
	tabling member printed	Baroness Primarolo
	uin	HL16274
	answer	answer is ministerial correction date of answer 25/06/2019 answer text <p>The figures in HL15607 were shown in cash terms. The table below shows the same table in April 2019 prices, adjusted using the Consumer Prices Index and rounded to the nearest £5.</p><p> </p><p>Table 1: Total take-home pay, Child Benefit, and tax credits in April 2019 prices for a family with two adults, one of whom is aged 25 or over and works 35 hours per week and receives the National Minimum Wage or National Living Wage</p><p> </p><table><tbody><tr><td><p>Year</p></td><td><p>£ per annum</p></td></tr><tr><td><p>2010-11</p></td><td><p>20,275</p></td></tr><tr><td><p>2011-12</p></td><td><p>20,150</p></td></tr><tr><td><p>2012-13</p></td><td><p>19,970</p></td></tr><tr><td><p>2013-14</p></td><td><p>19,925</p></td></tr><tr><td><p>2014-15</p></td><td><p>19,885</p></td></tr><tr><td><p>2015-16</p></td><td><p>20,290</p></td></tr><tr><td><p>2016-17</p></td><td><p>20,670</p></td></tr><tr><td><p>2017-18</p></td><td><p>20,400</p></td></tr><tr><td><p>2018-19</p></td><td><p>20,185</p></td></tr><tr><td><p>2019-20</p></td><td><p>20,135</p></td></tr></tbody></table><p> </p><p>The table above is true for a family with a particular set of circumstances. On average real household disposable income per person is 6.7% higher than at the start of 2010 – meaning people have more money to spend than they did in 2010. Since unemployment has fallen 48% since 2010, families are also significantly more likely to have at least one person in work now than in 2010.</p><p> </p><p>The government has introduced policies to increase take home pay since 2010 including;</p><p> </p><ul><li><p>Increasing the Work Allowance in Universal Credit by £1000 from April 2019. This would provide up to an additional £630 per year for households with children and for people with disabilities;</p><p> </p></li><li><p>Doubling the amount of free childcare available to working parents of 3 and 4 year olds, saving families using the full 30 hours around £5,000 per year. This is in combination with increasing the amount that working families can claim back in childcare to 85% of their registered childcare costs each month under UC, compared to 70% on the legacy system. For families with two children this could be worth up to £13,000 a year;</p></li></ul><p> </p><ul><li><p>Increasing the Marriage Allowance from £1,190 in 2018-19 to £1,250 in 2019-20. The benefit is therefore worth up to £250 in 2019-20. It will continue to increase each time the Personal Allowance is increased.</p></li></ul> answering member printed Lord Young of Cookham question first answered 25/06/2019 12:56:09 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	217 label Biography information for Baroness Primarolo

1137959

	registered interest
	date	09/07/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Whitehall History Publishing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether Whitehall History Publishing still exists; if so, (1) what is its role, and (2) how is it managed and by whom; and if not, who is responsible for the publication of material it previously produced.
	tabling member printed	Lord Rodgers of Quarry Bank
	uin	HL17058
	answer	answer is ministerial correction date of answer 15/07/2019 answer text <p>The Whitehall History Publishing, comprised of several historical branches of government departments and led by the Cabinet Office, produces material on historical matters and themes to meet individual departmental requirements. The next publication is due out in autumn 2019.</p> answering member printed Lord Young of Cookham question first answered 15/07/2019 14:55:07 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	940 label Biography information for Lord Rodgers of Quarry Bank

1138549

	registered interest
	date	11/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	VAT: Databases
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they will seek continued access to the VAT Information Exchange System after the UK leaves the EU.
	tabling member printed	Lord Browne of Belmont
	uin	HL17107
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>The VAT Information Exchange system supports the free movement of goods between EU Member States. Access to the system will depend on the terms under which the UK leaves the EU. The current Withdrawal Agreement gives the UK continued access until the end of 2024.</p><p> </p> answering member printed Lord Young of Cookham question first answered 23/07/2019 16:17:08 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	3801 label Biography information for Lord Browne of Belmont

1131913

	registered interest
	date	12/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Electronic Government
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to invest in the digital transformation of government services.
	tabling member printed	Lord Taylor of Warwick
	uin	HL16331
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>The UK is recognised internationally as a world leader in digital government. The Government Digital Service (GDS) was set up in 2011 with the purpose of digitally transforming government and its services. It leads government’s Digital, Data and Technology (DDaT) function, helping departments build and run services that are digital by default and focused on the needs of citizens.</p><p>Departments have built their digital professionalism and capability and there are now approximately 800 digital services, including applying online for a UK passport, applying for your full or provisional driving licence, checking your state pension, and the voter registration digital service. As an example, over 90% of the Driver and Vehicle Licensing Association’s (DVLA) transactions (over 1 billion in 2017/18) are now completed online. Government continues to update current and create new digital services to benefit citizens in their interactions with government.</p><p>GDS this month published the Government Technology Innovation Strategy which looks at creating the right foundations to use emerging technologies in government. This will help digitally transform government even more by using innovative technology solutions to make government more efficient and save taxpayers’ money. Alongside this, ‘A guide to using artificial intelligence in the public sector’ was published following a review of Artificial Intelligence (AI) in government by GDS and the Office for Artificial Intelligence (OAI).</p><p>The £20m, 3-year GovTech Catalyst Programme has supported central and local government, devolved administrations, and public sector bodies to find innovative solutions to operational service and policy delivery challenges. It provides public sector organisations a safe space to experiment with innovative technologies by providing them with funding, purely for research and development. The Catalyst also encourages the sharing of digital learning and resources, which allows public sector organisations to identify other groups across the UK working on similar problems. The Programme helps government deliver on a key principle of the UK’s Digital Strategy, to improve the digital business sector in the UK, by providing tech companies of all sizes opportunities with the public sector.</p><p>Over 10,000 civil servants have also now been trained by the GDS Academy; new standards have made services across government consistent, accessible and intuitive; and departments have delivered digital services to make essential transactions with citizens easier and more efficient.</p> answering member printed Lord Young of Cookham question first answered 20/06/2019 14:25:42 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1135077

	registered interest
	date	26/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Poverty
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the reply by Baroness Buscombe on 25 June (HL Deb, col 1003), whether they will now ask the National Audit Office to examine the feasibility of implementing the cumulative social impact assessment recommended by the UN Special Rapporteur on extreme poverty and human rights; and whether they will explain what they meant by their reservation concerning "unreasonable assumptions about income sharing" set out in paragraph 38 of the Comments by the State on the UN Special Rapporteur’s report.
	tabling member printed	Baroness Lister of Burtersett
	uin	HL16704
	answer	answer is ministerial correction date of answer 08/07/2019 answer text <p>The Treasury regularly publishes detailed analysis on the cumulative impact of policy decisions on tax, welfare and public spending on households of different incomes. The government also carefully considers the impact of its decisions on those sharing protected characteristics - including at Budgets and other fiscal events - in line with both its legal obligations and with its strong commitment to promoting fairness.</p><p>Our statement concerning income sharing reflects our reservations about producing cumulative analysis of the impact of tax and spending decisions on vulnerable groups beneath household level (for instance, by gender). This analysis often requires unreasonable assumptions about how income is shared within households. As independent experts at the Institute for Fiscal Studies have said, “because most people live in households with others, and we don't know how incomes are shared, it is very hard to look at effects separately for many men and women.”</p> answering member printed Lord Young of Cookham question first answered 08/07/2019 13:51:40 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4234 label Biography information for Baroness Lister of Burtersett

1141167

	registered interest
	date	22/07/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Trade Promotion
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Viscount Younger of Leckie on 17 July (HL16983), what are the job descriptions of each Trade Envoy; whether any assessment has been made of their effectiveness in relation to the terms of their appointment; and whether those envoys are accountable to (1) the Prime Minister, (2) the Secretary of State for International Trade, (3) the Foreign Secretary, or (4) another Cabinet minister.
	tabling member printed	Lord Grocott
	uin	HL17350
	answer	answer is ministerial correction date of answer 16/08/2019 answer text <p>The Terms of Appointment for the Programme provide the framework to which Trade Envoys work to. They outline Trade Envoys’ roles and responsibilities when undertaking Trade Envoy duties, as well as outlining the Department for International Trade commitment to them. Under the Terms of Appointment, they are appointed for the term of a parliament, after which the sitting Prime Minister will decide whether to keep the current cadre in their role.</p><p> </p><p>Trade Envoys regularly help UK business secure export successes, by either lobbying on their behalf, or helping to create the environment for them to succeed.</p><p> </p><p>Trade Envoys are appointed by the Prime Minister and are ultimately accountable to the Prime Minister, though they regularly report specific issues to other Ministers as necessary.</p> answering member printed Lord Young of Cookham question first answered 16/08/2019 10:53:13 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	276 label Biography information for Lord Grocott

1129572

	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: Internet
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to remain closely aligned to any new EU security regulations for online banking transactions after Brexit.
	tabling member printed	Lord Taylor of Warwick
	uin	HL16057
	answer	answer is ministerial correction date of answer 18/06/2019 answer text <p>The Strong Customer Authentication Regulatory Technical Standards (“the SCA RTS”), which are intended to reduce fraud and increase payments security, came into force on 14 March 2018 in EU law. The majority of its provisions will apply from 14 September 2019, and will apply in full in the UK.</p><p> </p><p>The EU (Withdrawal) Act (“the Act”) will bring into UK law all directly applicated EU regulations which are operative at exit day, as defined by the Act, or at the end of the proposed Implementation Period if the withdrawal agreement reached between the Government and the EU is ratified. This includes operative Regulatory Technical Standards (RTS). The Act also permits ministers to make amendments which correct deficiencies in these regulations, if that is necessary to ensure they operate effectively in the UK.</p><p>The Financial Regulators’ Powers (Technical Standards etc.) (Amendment etc.) (EU Exit) Regulations 2018, made under the Act, delegated responsibility for fixing deficiencies in the SCA RTS to the FCA. Under the Electronic Money, Payment Services and Payment Systems (Amendment and Transitional Provisions) (EU Exit) Regulations 2018, the FCA is also the competent authority for the SCA RTS after EU Exit.</p><p> </p><p>The FCA consulted on its approach to the SCA RTS after the UK has left the EU (see CP18/44, published on 19 December 2018). It proposes to substantially maintain these technical standards in UK law, to support consumer protection and to provide firms with certainty and clarity about the systems they have been building.</p> answering member printed Lord Young of Cookham question first answered 18/06/2019 15:19:22 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1134323

	registered interest
	date	24/06/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Departmental Records: Archives
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what is their latest assessment of the arrangements for preserving departmental archives; and when the Cabinet Secretary last reviewed record management practices.
	tabling member printed	Lord Rodgers of Quarry Bank
	uin	HL16608
	answer	answer is ministerial correction date of answer 03/07/2019 answer text <p>The National Archives monitors departments’ compliance with the Public Records Act 1958 and progress towards transition to the 20 year rule. The Chief Executive and Keeper updates the Secretary of State for Culture, Media and Sport annually on the 20 year rule transition and engages with the Cabinet Secretary and Permanent Secretaries where necessary.</p><p>John Manzoni wrote to all other Permanent Secretaries in January 2019 to brief them about digital records management.</p> answering member printed Lord Young of Cookham question first answered 03/07/2019 13:10:40 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	940 label Biography information for Lord Rodgers of Quarry Bank

1139588

	registered interest
	date	16/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Money Laundering
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Lord Young of Cookham on 8 July (HL16623), whether the requirement for business to “take a proportionate approach” and create “their own policies based on their assessment of risk” means that customer due diligence checks by businesses and banks for existing customers who have not given any cause for concern are optional.
	tabling member printed	Lord Vinson
	uin	HL17235
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>The Money Laundering Regulations 2017 are clear that all relevant persons (such as banks) must apply customer due diligence (CDD) measures if the person establishes a business relationship (regulation 27). Whilst CDD measures include conducting ongoing monitoring of a business relationship, as outlined in my previous answer, the extent of the measures taken must reflect the risk assessment carried out by the relevant person under regulation 18(1) and its assessment of the level of risk arising in any particular case. Therefore, if a customer is deemed low risk, the extent of ongoing CDD measures would be tailored to that risk assessment and minimum monitoring would be expected.</p> answering member printed Lord Young of Cookham question first answered 23/07/2019 11:15:00 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1807 label Biography information for Lord Vinson