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1144183

	registered interest
	date	03/09/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Business: Investment
	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 Office for Budget Responsibility's (OBR) model for forecasting business investment, in the light of business investment growth consistently falling below OBR forecasts and remaining “significantly weaker than expected” according to its Economic and Fiscal Outlook, published in March.
	tabling member printed	Lord Mendelsohn
	uin	HL17671
	answer	answer is ministerial correction date of answer 09/09/2019 answer text The independent Office for Budget Responsibility (OBR) publishes an annual Forecast Evaluation Report, in which they compare their forecasts to subsequent published data, explain any forecast errors, and identify lessons for future forecasts. answering member printed The Earl of Courtown question first answered 09/09/2019 15:37:41 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	4286 label Biography information for Lord Mendelsohn

1149735

	registered interest
	date	14/10/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	NHS: VAT
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what progress they have made with the review of the application of VAT as applied to the NHS.
	tabling member printed	Lord Hunt of Kings Heath
	uin	HL28
	answer	answer is ministerial correction date of answer 28/10/2019 answer text At Spring Statement 2019 the Chancellor announced that the Government would carry out a review of VAT in relation to the public sector. The Government will be publishing a policy paper for public consultation in the coming months. The Government welcomes the views of public sector organisations including NHS trusts and organisations on potential changes. answering member printed The Earl of Courtown question first answered 28/10/2019 15:58:15 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	2024 label Biography information for Lord Hunt of Kings Heath

1147637

	registered interest
	date	01/10/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Business
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether they will publish the results of Operation Kingfisher before 31 October; and if so, when.
	tabling member printed	Lord Jones of Cheltenham
	uin	HL17963
	answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>We are continuing to monitor companies and sectors that may be exposed to short-term difficulties as a result of EU exit. This monitoring is market sensitive and confidential.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 11:59:57 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	248 label Biography information for Lord Jones of Cheltenham

1146934

	registered interest
	date	30/09/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Personation: Credit Rating
	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 on victims of identity fraud in particular any adverse credit rating changes and the subsequent impact of such changes on mortgage payments and relationships with credit companies.
	tabling member printed	Lord Hunt of Kings Heath
	uin	HL17908
	answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>Under the Fraud Act 2006, it is a crime to dishonestly make a false representation to make a gain, to cause loss to another or expose another to risk of loss. The Government takes fraud extremely seriously and recognises the devastating impacts that fraud can have on individuals and businesses.</p><p> </p><p>Decisions concerning how lenders assess mortgage applications, including how information from Credit Reference Agencies (CRAs) is used, are commercial decisions for banks and building societies.</p><p> </p><p>It is worth being aware that CRAs do not hold blacklists and do not tell a lender whether it should offer credit. Instead lenders use information from CRAs to come to their own commercial judgement. This means that while one lender may be unwilling to provide a mortgage due to a borrower’s credit history, that is not necessarily the case for other lenders.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 12:03:45 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	2024 label Biography information for Lord Hunt of Kings Heath

1144187

	registered interest
	date	03/09/2019
	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 plans they have to increase minimum capital requirements for fund managers managing Undertakings for the Collective Investment in Transferable Securities funds and other open-ended funds.
	tabling member printed	Lord Myners
	uin	HL17675
	answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government. The FCA Handbook outlines the rules on the capital requirements for UCITS management firms, which are derived from the EU UCITS Directive. These requirements can be found in Chapter 11 of the Interim Prudential Sourcebook for Investment Business. If there was to be any policy decision by the FCA to change these rules in the future, that would be subject to the FCA’s relevant governance process, including a public consultation.</p> answering member printed The Earl of Courtown question first answered 09/09/2019 15:41:08 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	3869 label Biography information for Lord Myners

1144148

	registered interest
	date	03/09/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Office of the Parliamentary Counsel: Public Records
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have for transferring to the National Archives the post-1945 files from the Office of the Parliamentary Counsel in the "AM" series.
	tabling member printed	Lord Hennessy of Nympsfield
	uin	HL17636
	answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>These records have been selected for permanent preservation but have been retained because they include reference material used in the formation of current legislation. The Knowledge and Information Management Unit will be carrying out a sensitivity review of these records and expects, before 2024, to begin transferring records that are no longer needed for this purpose.</p> answering member printed The Earl of Courtown question first answered 09/09/2019 16:46:31 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	4189 label Biography information for Lord Hennessy of Nympsfield

1146948

	registered interest
	date	30/09/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Foster Care: Off-payroll Working
	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 on foster carers of their plans to extend the new IR35 rules to the private sector from April 2020.
	tabling member printed	Baroness Kramer
	uin	HL17922
	answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The reforms to how the off-payroll working rules are administered have already been in place in the public sector, including local authorities, since 2017. In the first 12 months, these reforms brought in an additional £550 million in Income Tax and NICs, which otherwise would have gone unpaid. Independent research into the public sector reforms found that most public bodies did not experience any change in their ability to fill vacancies, or the rates they pay following the reforms.</p><p> </p><p>Following consultation, the Government announced at Budget 2018 that it will extend this reform to all medium and large organisations. On 11 July 2019 HMRC published a Tax Information and Impact Note setting out the impact on individuals, households and families of the reform in the private sector.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 12:12:21 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	1557 label Biography information for Baroness Kramer

1144140

	registered interest
	date	03/09/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Dominic Cummings
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether the Prime Minister and Cabinet Secretary have agreed to any exemptions for Dominic Cummings, Special Political Advisor to the Prime Minister, from the Cabinet Office Code of Conduct for Special Advisers.
	tabling member printed	Lord Hain
	uin	HL17628
	answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>The provisions of the Code of Conduct for Special Advisers apply to all special advisers.</p> answering member printed The Earl of Courtown question first answered 09/09/2019 16:37:41 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	567 label Biography information for Lord Hain

1146303

	registered interest
	date	25/09/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Government Departments: Supply Chains
	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 best practice in evaluating the cyber security of supply chains is being shared across government departments.
	tabling member printed	Lord Harris of Haringey
	uin	HL17798
	answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The government takes supply chain security seriously. The requirement to understand and manage cyber security issues arising from a department’s supply chain is detailed in Item 1 of the Minimum Cyber Security Standard.</p><p>The use of Cyber Essentials in government procurement is set out in Policy Procurement Notice 09/14. Use of Cyber Essentials demonstrates a supplier has taken necessary steps to obtain an appropriate level of cyber security.</p><p>Best practice is promoted through the advice contained in the National Cyber Security Centre and Centre for the Protection of National Infrastructure’s Supply Chain Security guidance.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 16:58:02 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	2671 label Biography information for Lord Harris of Haringey

1144190

	registered interest
	date	03/09/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Loans
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have to ask the Financial Conduct Authority to investigate the risks in the guarantor loan market and the protections available to guarantors.
	tabling member printed	Lord Myners
	uin	HL17678
	answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>The government has given the FCA strong powers to protect consumers and to act against firms and individuals that do not meet its standards.</p><p> </p><p>In relation to guarantor lending the FCA has identified relending, insufficient affordability checks, and the increasing number of payments made by guarantors as the areas of potential harm to consumers. They are conducting supervisory work to assess these areas which will conclude in January 2021.</p><p> </p><p>Treasury ministers and officials meet regularly with the FCA, and the government will continue to work closely with the FCA to ensure all customers are treated fairly.</p><p><strong> </strong></p> answering member printed The Earl of Courtown question first answered 09/09/2019 15:41:48 answering member 3359 label Biography information for The Earl of Courtown
	tabling member	3869 label Biography information for Lord Myners