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1142475

	registered interest
	date	25/07/2019
	answering body	Department for International Trade
	answering dept id	202
	answering dept short name	International Trade
	answering dept sort name	International Trade
	hansard heading	Overseas Trade
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to publish their Regional Trade Plans.
	tabling member printed	Viscount Waverley
	uin	HL17549
	answer	answer is ministerial correction date of answer 16/08/2019 answer text <p>Regional Trade Plans (RTPs), set out an overseas region’s overarching strategy, key objectives and priorities, which will drive the delivery of Her Majesty’s Government’s trade objectives overseas. Currently, the RTPs are internal documents, but the Department for International Trade intends to publish executive summaries of the RTPs in due course.</p> answering member printed Lord Young of Cookham question first answered 16/08/2019 10:52:52 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1744 label Biography information for Viscount Waverley

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

1137972

	registered interest
	date	09/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Institutions: Switzerland
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they intend to permit Swiss financial institutions to continue to operate in London until the UK leaves the EU.
	tabling member printed	Lord Willoughby de Broke
	uin	HL17071
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>Switzerland is an important financial partner for the UK. Swiss financial institutions can operate in the UK in line with existing applicable UK and EU law.</p><p>The UK has also taken steps to ensure the continuity of this relationship once we exit the European Union, including the transition of the EU-Swiss Direct Insurance Agreement into a UK-Swiss Direct Insurance Agreement.</p> answering member printed Lord Young of Cookham question first answered 23/07/2019 11:16:12 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1775 label Biography information for Lord Willoughby de Broke

1134338

	registered interest
	date	24/06/2019
	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 18 June (HL16068), what guidance they provide, if any, to banks and other businesses about ensuring that routine anti-money laundering checks do not cause stress to customers, particularly when those banks or businesses have not been made aware of any change to the circumstances of and have no concerns as to the identity of an existing customer as set out in regulation 27(8) of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (SI 2017/692), and when those organisations may not be required to conduct such checks.
	tabling member printed	Lord Vinson
	uin	HL16623
	answer	answer is ministerial correction date of answer 08/07/2019 answer text <p>HM Treasury is responsible for the Money Laundering Regulations 2017, which set out the high-level requirements on regulated businesses to combat money laundering. These Regulations are not prescriptive in setting out how customer due diligence (CDD) checks must be carried out, and instead require businesses to take a proportionate approach. Each business will therefore have their own policies based on their assessment of risks.</p><p> </p><p>Specific guidance for banks on applying customer due diligence measures and ongoing monitoring of customers is included in guidance published by the Joint Money Laundering Steering Group. This guidance is approved by HM Treasury, and it highlights that a firm must apply CDD measures at appropriate times to its existing customers on a risk-sensitive basis.</p> answering member printed Lord Young of Cookham question first answered 08/07/2019 13:15:55 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1807 label Biography information for Lord Vinson

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

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

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

1130631

	registered interest
	date	06/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing: Rural Areas
	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 the decline in the number of free-to-use cash machines on rural communities.
	tabling member printed	Lord Taylor of Warwick
	uin	HL16175
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>The Government recognises that widespread free access to cash remains important to the day-to-day lives of many people and businesses in the UK. At Spring Statement 2018, the Treasury launched a Call for Evidence on Cash &amp; Digital Payments. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics. In its response document, the Government reiterated its policy is to safeguard access to cash for those who need it while supporting digital payments.</p><p> </p><p>LINK, the scheme that runs the UK’s ATM network, has committed to maintain the broad geographical coverage of the ATM network in the UK. LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM. Furthermore, LINK recently announced new additional premiums to safeguard the presence of free-to-use ATMs in remote and deprived areas.</p><p> </p><p>The Government-established Payment Systems Regulator, which regulates LINK, is closely monitoring developments within ATM provision and has used its powers to hold LINK to account over its commitments.</p><p> </p><p><strong> </strong></p> answering member printed Lord Young of Cookham question first answered 20/06/2019 11:28:32 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick

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

1134330

	registered interest
	date	24/06/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cryptocurrencies: Regulation
	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 use of new crypto-currencies created by large technology companies; and what steps they are taking to protect private financial information in that sector.
	tabling member printed	Lord Taylor of Warwick
	uin	HL16615
	answer	answer is ministerial correction date of answer 08/07/2019 answer text <p>The Government does not comment on details of the proposed business models of individual companies. However, large technology companies developing cryptoassets clearly raises wider questions for policy and financial regulation. The Government is working with the Bank of England, the Financial Conduct Authority and international counterparts to consider these issues.</p><p> </p><p>More broadly, the Government established the Cryptoassets Taskforce<sup><sup>[1]</sup></sup> to explore the risks and potential benefits of cryptoassets and consider the appropriate response. The Taskforce’s report set out commitments to further consider the regulatory approach to cryptoassets. The Government will consult on its approach to unregulated cryptoassets later this year.</p><p> </p><p>The Government takes the protection and privacy of personal data extremely seriously. All organisations, especially the biggest global tech firms who process private financial data containing personal information, must comply with the GDPR and the UK's Data Protection Act 2018, which poses strict obligations on organisations to ensure that UK citizen's data is stored safely and securely.</p><p> </p><p>[1] Comprised of HM Treasury, the FCA, and the Bank of England</p><p> </p> answering member printed Lord Young of Cookham question first answered 08/07/2019 13:47:25 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	1796 label Biography information for Lord Taylor of Warwick