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753268
star this property registered interest false remove filter
star this property date less than 2017-07-18more like thismore than 2017-07-18
star this property answering body
Department for Education more like this
star this property answering dept id 60 more like this
star this property answering dept short name Education more like this
star this property answering dept sort name Education more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text Her Majesty's Government whether they will ensure that every school has an adequate library with qualified staff. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL956 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2017-07-28more like thismore than 2017-07-28
star this property answer text <p>School libraries play an important role in encouraging pupils to read for pleasure. We believe that it should be for schools to decide whether to provide and maintain a library service for their pupils.</p><p>Head teachers do recognise the role libraries can play in improving young people’s literacy, and ensure that suitable library facilities are provided. It is also up to schools to decide how they run their library. While many head teachers, especially those in secondary schools, choose to employ a qualified librarian, this is not a statutory requirement.</p><p>We do not collect data on school library provision. However, the Progress in International Reading Literacy Study (PIRLS) indicated in 2011 that 92% of pupils in Year 5 in England were attending a school where there was a library. This was above the international average of 86%.</p> more like this
unstar this property answering member printed Lord Nash more like this
star this property grouped question UIN HL957 more like this
star this property question first answered
less than 2017-07-28T11:34:14.807Zmore like thisremove minimum value filter
star this property answering member
4270
star this property label Biography information for Lord Nash more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
753269
star this property registered interest false remove filter
star this property date less than 2017-07-18more like thismore than 2017-07-18
star this property answering body
Department for Education more like this
star this property answering dept id 60 more like this
star this property answering dept short name Education more like this
star this property answering dept sort name Education more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text Her Majesty's Government how many, and what proportion of, schools in the UK have a library; and how they assess the quality of such libraries and their staff. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL957 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2017-07-28more like thismore than 2017-07-28
star this property answer text <p>School libraries play an important role in encouraging pupils to read for pleasure. We believe that it should be for schools to decide whether to provide and maintain a library service for their pupils.</p><p>Head teachers do recognise the role libraries can play in improving young people’s literacy, and ensure that suitable library facilities are provided. It is also up to schools to decide how they run their library. While many head teachers, especially those in secondary schools, choose to employ a qualified librarian, this is not a statutory requirement.</p><p>We do not collect data on school library provision. However, the Progress in International Reading Literacy Study (PIRLS) indicated in 2011 that 92% of pupils in Year 5 in England were attending a school where there was a library. This was above the international average of 86%.</p> more like this
unstar this property answering member printed Lord Nash more like this
star this property grouped question UIN HL956 more like this
star this property question first answered
less than 2017-07-28T11:34:14.853Zmore like thismore than 2017-07-28T11:34:14.853Z
star this property answering member
4270
star this property label Biography information for Lord Nash more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
947541
star this property registered interest false remove filter
star this property date less than 2018-07-24more like thismore than 2018-07-24
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Bank Services more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government how many working people in the UK they estimate do not have bank accounts; and what steps they are taking to assist such people; and what particular measures they are taking relating to those of this total who are homeless or sleeping rough or may previously have been such. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL9833 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-08-02more like thismore than 2018-08-02
star this property answer text <p>The Government does not make estimates of the number of working people who do not have access to bank accounts. However, in 2017, the FCA published the results of the Financial Lives Survey which estimated that 1.3 million UK adults (3% of the UK adult population) were unbanked, i.e. have no current account or alternative e-money account. The Financial Lives Survey report contains further information on the characteristics of the unbanked and their preferences to have a bank account. The FCA intend to repeat the Financial Lives Survey on a regular basis in future.</p><p> </p><p>The Government takes financial inclusion very seriously and is working to ensure everyone can have access to financial services. With regards to those who are sleeping rough or are homeless, the Government recognises that it can be difficult for such individuals to access bank accounts due to their lack of permanent address.</p><p> </p><p>Under the Payment Accounts Regulations 2015, the 9 largest UK current account providers are required to offer fee-free basic bank accounts to consumers who are either unbanked or who are not eligible for a standard current account. Regulation 23 specifically states that consumers with no fixed address are to be considered eligible and in Regulation 18 specifies that firms must not discriminate against consumers by reason of their place of residence.</p><p> </p><p>As these accounts are particularly suitable for more vulnerable customers, Government encourages the banks who provide them to be flexible with identification and verification checks, within the remit of the Joint Money Laundering Steering Group (JMLSG) guidance. The JMLSG guidance encourages firms to consider a wide range of evidence to prove identification and to act reasonably where customers do not have more conventional forms of identification.</p><p> </p>
unstar this property answering member printed Lord Bates more like this
star this property question first answered
less than 2018-08-02T12:05:10.89Zmore like thismore than 2018-08-02T12:05:10.89Z
star this property answering member
1091
star this property label Biography information for Lord Bates more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
947540
star this property registered interest false remove filter
star this property date less than 2018-07-24more like thismore than 2018-07-24
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Bank Services: Rural Areas more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what steps they are taking to ensure continued access to (1) free automated teller machines, and (2) bank branches, particularly in rural communities. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL9832 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-08-02more like thismore than 2018-08-02
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses across the UK. Government has been engaging and will continue to engage with the regulators and industry, including LINK (the scheme that runs the UK’s ATM system), to ensure that it is maintained.</p><p> </p><p>The Government established the Payment Systems Regulator (PSR) in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users. As part of this, the PSR is closely monitoring developments within ATM provision and has committed to using its powers to act should LINK behave in a way that conflicts with its statutory objectives.</p><p> </p><p>Regarding bank branches, the decision to close a branch is a commercial issue for the management team of the bank involved. However, Government believes it is important the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The Government supports the industry’s Access to Banking Standard which commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing. It also helps customers to understand the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>Government also considers it important that all customers, wherever they live and especially those who are vulnerable, can still access over the counter services. That is why we support the Post Office’s Banking Framework Agreement, which enables 99% of banks’ personal and 95% of banks’ small business customers to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches.</p>
unstar this property answering member printed Lord Bates more like this
star this property question first answered
less than 2018-08-02T12:09:17.51Zmore like thismore than 2018-08-02T12:09:17.51Z
star this property answering member
1091
star this property label Biography information for Lord Bates more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
755104
star this property registered interest false remove filter
star this property date less than 2017-07-20more like thismore than 2017-07-20
star this property answering body
Department for Business, Energy and Industrial Strategy more like this
star this property answering dept id 201 more like this
star this property answering dept short name Business, Energy and Industrial Strategy more like this
star this property answering dept sort name Business, Energy and Industrial Strategy more like this
star this property hansard heading Business more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text Her Majesty's Government what steps they are taking to encourage, promote and support businesses, including social enterprises, to increase their trade with other businesses at a local level. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL1112 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2017-08-01more like thismore than 2017-08-01
star this property answer text <p>Businesses and social enterprises are vital to our economy and it is important we create the best possible environment to enable firms, both large and small, to identify and exploit opportunities to trade locally, nationally and in overseas markets. As part of our Industrial Strategy, we will make the most of the diverse strengths of all of Britain’s cities and regions to attract more investment and therefore create more opportunities for companies to trade with each other. For example the decision by BMW to build the all-electric Mini at its plant in Oxford will boost commercial opportunities for existing and new companies in the local region.</p><p>Industrial Strategy will also help us identify opportunities to help all businesses create jobs and wealth across the economy. The Government has invested £44m in the creation of a network of 38 Growth Hubs via Local Enterprise Partnerships, to provide access to impartial and coordinated business support to all registered businesses in England.</p>
unstar this property answering member printed Lord Prior of Brampton more like this
star this property question first answered
less than 2017-08-01T11:16:29.047Zmore like thismore than 2017-08-01T11:16:29.047Z
star this property answering member
127
star this property label Biography information for Lord Prior of Brampton more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
845383
star this property registered interest false remove filter
star this property date less than 2018-02-20more like thismore than 2018-02-20
star this property answering body
Ministry of Housing, Communities and Local Government more like this
star this property answering dept id 7 more like this
star this property answering dept short name Housing, Communities and Local Government more like this
star this property answering dept sort name Housing, Communities and Local Government more like this
star this property hansard heading Children: Poverty more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether they will establish a specific funding stream within the proposed UK Shared Prosperity Fund to focus on tackling child poverty and providing opportunities to disadvantaged young people, as exists under the current European Social Fund programme. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL5583 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-02-28more like thismore than 2018-02-28
star this property answer text <p>The government continues to develop the design and priorities of the UK Shared Prosperity Fund. The new Fund will allow us to invest money according to our own priorities, rather than those set by the EU, and will seek to reduce inequalities and boost productivity across the whole of the UK.</p> more like this
unstar this property answering member printed Lord Bourne of Aberystwyth more like this
star this property question first answered
less than 2018-02-28T15:16:25.413Zmore like thismore than 2018-02-28T15:16:25.413Z
star this property answering member
4282
star this property label Biography information for Lord Bourne of Aberystwyth more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
785835
star this property registered interest false remove filter
star this property date less than 2017-11-07more like thismore than 2017-11-07
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Credit more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made of the report by the Financial Inclusion Commission, Credit where it’s due: Overcoming the barriers to mainstream credit with data, with respect to how new sources of data, including rental payment data, may help individuals access credit via mainstream and low-cost lenders. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL2983 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2017-11-20more like thismore than 2017-11-20
star this property answer text <p>The Government is supportive of efforts to help borrowers access credit from mainstream lenders. The Government will introduce new Open Banking standards from January 2018, allowing consumers to share data directly from their payment accounts in a secure way. This will enable consumers to access cheaper and more competitive financial services, and quicker and more accurate credit reporting.</p><p> </p><p>The government also recognises the importance of financial inclusion, and has demonstrated leadership in this area by committing to the creation of a Financial Inclusion Policy Forum to support collaboration with industry in this area.</p> more like this
unstar this property answering member printed Lord Bates more like this
star this property question first answered
less than 2017-11-20T11:50:06.863Zmore like thismore than 2017-11-20T11:50:06.863Z
star this property answering member
1091
star this property label Biography information for Lord Bates more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
870271
star this property registered interest false remove filter
star this property date less than 2018-03-23more like thismore than 2018-03-23
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Credit more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what steps they intend to take to support, promote and increase the ethical personal lending market as an alternative to high-cost credit providers. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL6605 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-03-29more like thismore than 2018-03-29
star this property answer text The government is committed to delivering a well-functioning and sustainable consumer credit market which is able to meet the needs of all consumers.<p> </p>In March, the government hosted the first meeting of the Financial Inclusion Policy Forum, a new key initiative bringing together government, regulators, industry and the third sector to coordinate action and provide leadership in tackling these challenges. The Forum’s mission is to ensure that individuals, regardless of their background or income, have access to useful and affordable financial products and services, including affordable credit.<p> </p><p>The government also supports credit unions, which provide an affordable alternative to high-cost credit. In the Autumn Budget 2017, the government announced its intention to help the sector expand by increasing the number of potential members of credit unions from two million to three million. In addition, from this year a greater proportion of funds recovered from illegal money lenders will be allocated to incentivise vulnerable people to join, save, and borrow with a credit union instead of turning to loan sharks.</p>
unstar this property answering member printed Lord Bates more like this
star this property question first answered
less than 2018-03-29T14:42:59.503Zmore like thismore than 2018-03-29T14:42:59.503Z
star this property answering member
1091
star this property label Biography information for Lord Bates more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
755108
star this property registered interest false remove filter
star this property date less than 2017-07-20more like thismore than 2017-07-20
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Credit Rating more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text Her Majesty's Government what steps they are taking to explain and promote (1) the factors that are taken into account by firms carrying out credit-related regulated activities when assessing borrowers' creditworthiness, and (2) the steps that borrowers may take to increase their creditworthiness. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL1115 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2017-08-01more like thismore than 2017-08-01
star this property answer text <p>The government is committed to ensuring that consumers have the information they need to make financial decisions and have the confidence and skills they need to successfully engage with their finances.</p><p> </p><p>Leadership in this area is provided both by government and by the Money Advice Service, which was set up by the Financial Services and Markets Act 2010 and was given statutory objectives to enhance the understanding and knowledge of members of the public of financial matters, including the use of credit.</p><p> </p><p>The Money Advice Service website provides free-to-client impartial guidance on creditworthiness including what information is in a credit report and what steps members of the public can take to improve their creditworthiness.</p><p> </p><p>The government has recently introduced legislation into Parliament to create a new financial guidance body. The new body will replace the Money Advice Service, The Pensions Advisory Service (TPAS) and Pension Wise and is designed to offer a simpler source of guidance, reducing duplication across the government’s guidance services. The new body will take forward the work of the Money Advice Service on enhancing public understanding of financial matters.</p><p> </p>
unstar this property answering member printed Lord Bates more like this
star this property question first answered
less than 2017-08-01T10:59:51.56Zmore like thismore than 2017-08-01T10:59:51.56Z
star this property answering member
1091
star this property label Biography information for Lord Bates more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this
1055104
star this property registered interest false remove filter
star this property date less than 2019-02-05more like thismore than 2019-02-05
star this property answering body
Department for Digital, Culture, Media and Sport more like this
star this property answering dept id 10 more like this
star this property answering dept short name Digital, Culture, Media and Sport more like this
star this property answering dept sort name Digital, Culture, Media and Sport more like this
star this property hansard heading Culture: Urban Areas more like this
unstar this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what assessment they have made of the recommendations in the report by the Cultural Cities Enquiry Enriching UK cities through smart investment in culture, in particular the importance of (1) investment, and (2) corporate social venture funds and other city-wide philanthropy platforms, in increasing the ability of cities to use culture to drive inclusive growth. more like this
star this property tabling member printed
Lord Bird remove filter
star this property uin HL13435 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-02-13more like thismore than 2019-02-13
star this property answer text <p>We welcome the valuable contribution of the Cultural Cities Enquiry report to the cultural sector and fully recognise the benefits that investment, alongside philanthropy, can bring to a cities cultural offer.</p><p> </p><p>The Government appreciates the impact of different investment models in driving inclusive growth, and my officials will consider the recommendations set out in the report closely.</p><p> </p><p>In support of the report’s vision, my department has announced funding of up to £110,000 to support early adopters across England in establishing ‘Culture Compacts’. These will bring together local partners to deliver a shared vision for investing in culture at a local level to drive inclusive growth. Arts Council England will begin work with the Core Cities Group and the Key Cities Group to identify a number of cities to become early adopters.</p> more like this
unstar this property answering member printed Lord Ashton of Hyde more like this
star this property question first answered
less than 2019-02-13T12:01:31.863Zmore like thismore than 2019-02-13T12:01:31.863Z
star this property answering member
4247
star this property label Biography information for Lord Ashton of Hyde more like this
star this property tabling member
4564
star this property label Biography information for Lord Bird more like this