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1019929

	registered interest
	date	04/12/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Money
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, when his Department plans to publish its response to the call for evidence on cash and digital payments in the new economy that closed on 5 June 2018.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	198928
	answer	answer is ministerial correction date of answer 10/12/2018 answer text <p>The Call for Evidence produced a wide range of evidence, which requires thoughtful consideration.</p><p> </p><p>We have recently announced that the denominational mix of notes and coins would not change. Response to other matters will be made in due course.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/12/2018 15:13:22 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1077616

	registered interest
	date	26/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent discussions he has had with the (a) Bank of England, (b) Financial Conduct Authority and (c) Payment Systems Regulator on the availability of access to cash through (i) ATMs and (ii) other means.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	226214
	answer	answer is ministerial correction date of answer 04/03/2019 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 in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 226215 226216 question first answered 04/03/2019 14:12:35 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1077618

	registered interest
	date	26/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if the Government will include in the statutory objectives of the Payment Systems Regulator powers to protect access to cash; and if he will make a statement.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	226215
	answer	answer is ministerial correction date of answer 04/03/2019 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 in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 226214 226216 question first answered 04/03/2019 14:12:35 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1077620

	registered interest
	date	26/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent discussions the Government has had with the Payment Systems Regulator on its review of cash infrastructure; and what the timeframe is for the publication of (a) further details on the review and (b) the review itself.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	226216
	answer	answer is ministerial correction date of answer 04/03/2019 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 in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 226214 226215 question first answered 04/03/2019 14:12:35 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1079574

	registered interest
	date	01/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Cards: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether the Government has plans to reform the cap on interchange rate fees for card payments introduced in the Interchange Fee Regulation 2016 from a percentage cap to a flat rate of 50p per transaction.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	227415
	answer	answer is ministerial correction date of answer 06/03/2019 answer text <p>The Government is open to hearing views on this issue, and digital payments more broadly, as evidenced by its call for evidence on cash and digital payments in the new economy. Amongst other things, this explored how the Government can best support digital payments. The Government will formally respond to the call for evidence in due course.</p> answering member constituency Salisbury answering member printed John Glen question first answered 06/03/2019 15:24:01 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1105165

	registered interest
	date	26/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Access to Cash Review
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the implications for his policies of the final report of the Access to cash review published on 6 March 2019; and if he will make a statement.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	237122
	answer	answer is ministerial correction date of answer 01/04/2019 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 in the UK. Government has been engaging and will continue to engage with the regulators and industry on this topic.</p><p> </p><p>The Treasury initiated a discussion on payment methods at Spring Statement 2018 through a Call for Evidence on Cash &amp; Digital Payments in the New Economy. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics.</p><p> </p><p>The Government welcomes the recent Access to Cash Review, which is an important contribution to the debate on cash and which will help inform our future policy development.</p><p> </p><p>The Government will formally respond to the Call for Evidence in due course.</p> answering member constituency Salisbury answering member printed John Glen question first answered 01/04/2019 14:31:09 answering member 4051 label Biography information for John Glen
	tabling member	4672 label Biography information for Ged Killen

1124713

	registered interest
	date	03/05/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Social Security Benefits: Cohabitation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the potential merits of extending (a) the marriage allowance and (b) other benefits to long-term cohabiting couples.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	250798
	answer	answer is ministerial correction date of answer 09/05/2019 answer text <p>The Government introduced the Marriage Allowance in April 2015. Every time the personal allowance increases, the Marriage Allowance automatically becomes more generous.</p>The increase to personal allowance to £12,500 means that, from April this year, eligible couples will be able to transfer £1,250, compared to £1,060 in 2015-16. This means that in 2019-20, eligible couples can receive a tax reduction of up to £250, or £1,150 if they make a backdated claim to 2015-16.<p> </p><p>The Marriage Allowance was introduced specifically to recognise marriage and civil partnerships in the tax system. Therefore, the Government has made no assessment of extending Marriage Allowance to cohabiting couples.</p><p> </p><p>The majority of benefits are paid on a household basis and the Government currently has no plans to change this.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 09/05/2019 13:34:34 answering member 3935 label Biography information for Mel Stride
	tabling member	4672 label Biography information for Ged Killen

804370

	registered interest
	date	11/12/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Cash Dispensing: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of relative poverty of areas where ATMs which are not free to use are located.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	118586
	answer	answer is ministerial correction date of answer 19/12/2017 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 in the UK, and will continue to work with industry to ensure continued free access to cash. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p>Government has not made an assessment of the relative poverty of areas where there are no free to use ATMs. However LINK, the organisation behind the ATM network in the UK, carries out an assessment of areas where there are no free to use ATMs as part of the financial inclusion programme it runs, in collaboration with Toynbee Hall, to ensure the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable. LINK is intending to strengthen its financial inclusion programme even further to ensure that the need for ATMs continue to be met.</p><p>HM Treasury has not had discussions with the Bank of England or the Financial Conduct Authority about imposing a cap on charges to customers for ATMs which are not free to use or introducing powers to prevent the development of areas where there are no free-to-use ATMs. The Payment Systems Regulator (PSR) is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes to interchange fees may have. The Government set the PSR up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 118573 118580 question first answered 19/12/2017 15:39:48 answering member 4095 label Biography information for Steve Barclay
	tabling member	4672 label Biography information for Ged Killen

804373

	registered interest
	date	11/12/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Cash Dispensing: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with (a) the Bank of England and (b) the Financial Conduct Authority about imposing a maximum cap on charges to customers using ATMs.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	118580
	answer	answer is ministerial correction date of answer 19/12/2017 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 in the UK, and will continue to work with industry to ensure continued free access to cash. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p>Government has not made an assessment of the relative poverty of areas where there are no free to use ATMs. However LINK, the organisation behind the ATM network in the UK, carries out an assessment of areas where there are no free to use ATMs as part of the financial inclusion programme it runs, in collaboration with Toynbee Hall, to ensure the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable. LINK is intending to strengthen its financial inclusion programme even further to ensure that the need for ATMs continue to be met.</p><p>HM Treasury has not had discussions with the Bank of England or the Financial Conduct Authority about imposing a cap on charges to customers for ATMs which are not free to use or introducing powers to prevent the development of areas where there are no free-to-use ATMs. The Payment Systems Regulator (PSR) is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes to interchange fees may have. The Government set the PSR up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 118573 118586 question first answered 19/12/2017 15:39:48 answering member 4095 label Biography information for Steve Barclay
	tabling member	4672 label Biography information for Ged Killen

804376

	registered interest
	date	11/12/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Cash Dispensing: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with (a) the Bank of England and (b) the Financial Conduct Authority about introducing powers to prevent the development of areas where there are no free-to-use ATMs.
	tabling member constituency	Rutherglen and Hamilton West
	tabling member printed	Ged Killen
	uin	118573
	answer	answer is ministerial correction date of answer 19/12/2017 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 in the UK, and will continue to work with industry to ensure continued free access to cash. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p>Government has not made an assessment of the relative poverty of areas where there are no free to use ATMs. However LINK, the organisation behind the ATM network in the UK, carries out an assessment of areas where there are no free to use ATMs as part of the financial inclusion programme it runs, in collaboration with Toynbee Hall, to ensure the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable. LINK is intending to strengthen its financial inclusion programme even further to ensure that the need for ATMs continue to be met.</p><p>HM Treasury has not had discussions with the Bank of England or the Financial Conduct Authority about imposing a cap on charges to customers for ATMs which are not free to use or introducing powers to prevent the development of areas where there are no free-to-use ATMs. The Payment Systems Regulator (PSR) is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes to interchange fees may have. The Government set the PSR up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 118580 118586 question first answered 19/12/2017 15:39:48 answering member 4095 label Biography information for Steve Barclay
	tabling member	4672 label Biography information for Ged Killen