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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

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

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

1141523

	registered interest
	date	23/07/2019
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Young Offenders
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many 10 and 11 year olds received a youth caution or criminal conviction in each of the past five years; and what proportion of those children were in care at the time of the caution or criminal conviction.
	tabling member printed	Lord Dholakia
	uin	HL17391
	answer	answer is ministerial correction date of answer 02/08/2019 answer text <table><tbody><tr><td> </td><td>2014</td><td>2015</td><td>2016</td><td>2017</td><td>2018</td></tr><tr><td>Cautions issued</td><td>450</td><td>359</td><td>309</td><td>218</td><td>159</td></tr><tr><td>Convicted</td><td>76</td><td>86</td><td>71</td><td>70</td><td>37</td></tr></tbody></table><p>The table above shows the total number of cautions and convictions issued to 10-11 year olds over the past five calendar years. Published figures do not allow us to distil the number of individuals but instead only the number of cautions/sentences. This is the latest annual data available from the ‘Criminal Justice Statistics quarterly: December 2018 – Outcomes by Offence data tool’: <a href="https://www.gov.uk/government/statistics/criminal-justice-system-statistics-quarterly-december-2018" target="_blank">https://www.gov.uk/government/statistics/criminal-justice-system-statistics-quarterly-december-2018</a></p><p> </p><p>Data on looked after children is not held centrally by the Ministry of Justice. However, children supervised by the local Youth Offending Team or in custody will have their needs, including identifying whether they are looked after, assessed and appropriate measures will be put in place to ensure their individual needs are met.</p> answering member printed Lord Keen of Elie question first answered 02/08/2019 13:19:12 answering member 4538 label Biography information for Lord Keen of Elie
	tabling member	2685 label Biography information for Lord Dholakia

1133778

	registered interest
	date	20/06/2019
	answering body	Department for Digital, Culture, Media and Sport
	answering dept id	10
	answering dept short name	Digital, Culture, Media and Sport
	answering dept sort name	Digital, Culture, Media and Sport
	hansard heading	Loneliness
	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 implications of the report by the Red Cross Barriers to belonging, published in June, for their loneliness strategy.
	tabling member printed	Lord Boateng
	uin	HL16529
	answer	answer is ministerial correction date of answer 02/07/2019 answer text <p>“Barriers to belonging: An exploration of loneliness among people from Black, Asian and Minority Ethnic backgrounds” highlights that many people from BAME backgrounds face multiple challenges to feeling like they belong and accessing support services. These include increased likelihood of discrimination, not feeling welcome and fear of stigma. The report also points to greater barriers to accessing help for loneliness and joining in community activities, including a lack of money, language barriers and not having enough free time.</p><p> </p><p>The cross government tackling loneliness team will consider the research findings and recommendations made to Government, in its work taking forward the loneliness strategy.</p> answering member printed Lord Ashton of Hyde question first answered 02/07/2019 15:56:43 answering member 4247 label Biography information for Lord Ashton of Hyde
	tabling member	147 label Biography information for Lord Boateng

1131497

	registered interest
	date	11/06/2019
	answering body	Foreign and Commonwealth Office
	answering dept id	16
	answering dept short name	Foreign and Commonwealth Office
	answering dept sort name	Foreign and Commonwealth Office
	hansard heading	Ivan Golunov
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what representations, if any, they have made to the government of Russia about Ivan Golunov who is under house arrest in that country.
	tabling member printed	Lord Truscott
	uin	HL16291
	answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>​​The UK welcomes the dropping of charges against Russian investigative journalist Ivan Golunov. The Foreign Secretary and the Minister of State for Europe and the Americas publicly voiced thier deep concern following Mr Golunov's arrest. We hope his release is indicative of a movement towards greater press freedom in Russia. We will continue to call on Russia to respect freedom of speech and expression, and will continue to defend media freedom.</p> answering member printed Lord Ahmad of Wimbledon question first answered 20/06/2019 12:08:46 answering member 4210 label Biography information for Lord Ahmad of Wimbledon
	tabling member	3682 label Biography information for Lord Truscott

1134719

	registered interest
	date	25/06/2019
	answering body	Foreign and Commonwealth Office
	answering dept id	16
	answering dept short name	Foreign and Commonwealth Office
	answering dept sort name	Foreign and Commonwealth Office
	hansard heading	Russia: Warships
	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 Ahmad of Wimbledon on 20 June (HL16343), what assessment they have made of the case for reviewing (1) the Agreement Between the Government of The United States of America and the Government of The Union of Soviet Socialist Republics on the Prevention of Incidents On and Over the High Seas (INCSEA), and (2) the Agreement Between the Government of the United Kingdom of Great Britain and Northern Ireland and the Government of The Union of Soviet Socialist Republics concerning the Prevention of Incidents at Sea beyond the Territorial Sea, following the recent close naval encounter and near collision of United States and Russian ships in the East China Sea.
	tabling member printed	Lord West of Spithead
	uin	HL16686
	answer	answer is ministerial correction date of answer 09/07/2019 answer text <p>​With respect to the Agreement Between the Government of The United States of America and the Government of The Union of Soviet Socialist Republics on the Prevention of Incidents On and Over the High Seas (INCSEA), that there is a bilateral agreement between the US and Russia and as such is a matter for those States.</p><p>The Agreement between the British Government and Russia, formerly the Soviet Union since 1986 includes a provision for an annual review to update its terms. The last review discussions were held in April 2017. These discussions provide a forum in which both parties can raise concerns regarding recent incidents at sea and agree further risk reduction measures to improve transparency and communication.</p> answering member printed Lord Ahmad of Wimbledon question first answered 09/07/2019 12:24:06 answering member 4210 label Biography information for Lord Ahmad of Wimbledon
	tabling member	3834 label Biography information for Lord West of Spithead