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1129596

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	Health Insurance: Insurance Premium Tax
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 effect of changes in the rate of Insurance Premium Tax on the sustainability of the health insurance market.
tabling member constituency	North Warwickshire
tabling member printed	Craig Tracey
uin	260077
answer	answer is ministerial correction date of answer 12/06/2019 answer text <p>The government publishes assessments of all tax changes at fiscal events. This includes examining the economic and business impacts. The assessment for the last change in Insurance Premium Tax (announced at Autumn Statement 2016) can be found here:</p><p><a href="https://www.gov.uk/government/publications/insurance-premium-tax-increase-of-standard-rate/insurance-premium-tax-increase-of-standard-rate" target="_blank">https://www.gov.uk/government/publications/insurance-premium-tax-increase-of-standard-rate/insurance-premium-tax-increase-of-standard-rate</a></p><p> </p><p>These costings are certified by the Office for Budget Responsibility.</p><p> </p><p>The government keeps all taxes under review and remains in regular discussion with the insurance industry and other interested parties, including the Financial Conduct Authority (FCA), on the provision of insurance in the UK.</p><p> </p><p>The government does not have a view on the impact of the size of the health insurance market on the NHS.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 260078 question first answered 12/06/2019 13:12:58 answering member 4051 label Biography information for John Glen
tabling member	4509 label Biography information for Craig Tracey

1129597

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	Health Insurance
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 effect of changes in the size of the health insurance market on the NHS.
tabling member constituency	North Warwickshire
tabling member printed	Craig Tracey
uin	260078
answer	answer is ministerial correction date of answer 12/06/2019 answer text <p>The government publishes assessments of all tax changes at fiscal events. This includes examining the economic and business impacts. The assessment for the last change in Insurance Premium Tax (announced at Autumn Statement 2016) can be found here:</p><p><a href="https://www.gov.uk/government/publications/insurance-premium-tax-increase-of-standard-rate/insurance-premium-tax-increase-of-standard-rate" target="_blank">https://www.gov.uk/government/publications/insurance-premium-tax-increase-of-standard-rate/insurance-premium-tax-increase-of-standard-rate</a></p><p> </p><p>These costings are certified by the Office for Budget Responsibility.</p><p> </p><p>The government keeps all taxes under review and remains in regular discussion with the insurance industry and other interested parties, including the Financial Conduct Authority (FCA), on the provision of insurance in the UK.</p><p> </p><p>The government does not have a view on the impact of the size of the health insurance market on the NHS.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 260077 question first answered 12/06/2019 13:12:58 answering member 4051 label Biography information for John Glen
tabling member	4509 label Biography information for Craig Tracey

1129637

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	Joint Authorities Cash Strategy Group
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to his Department's news story of 3 May 2019, Cash here to stay as government commits to protecting access, if he will publish the remit of the Joint Authorities Cash Strategy Group.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	260111
answer	answer is ministerial correction date of answer 10/06/2019 answer text <p>As part of our response to the Call for Evidence on access to cash, the Government announced that the Treasury would set up and chair the Joint Authorities Cash Strategy (JACS) Group.</p><p> </p><p>The Group brings together the Bank of England, Payments Systems Regulator and Financial Conduct Authority. This was in recognition of the need to ensure joined-up oversight of the UK’s cash infrastructure, in light of the changing behaviours and preferences of consumers and businesses.</p><p> </p><p>The Group will coordinate strategy across members, to ensure that the roles and responsibilities of each regulator remain clear and relevant, and that the effects of regulatory activities are evaluated across the full end-to-end cash system. The Group does not affect the statutory responsibilities of individual regulators.</p><p> </p><p>The Group is up and running and further details of its activities will be announced in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 260112 260113 question first answered 10/06/2019 11:14:22 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

1129638

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	Joint Authorities Cash Strategy Group
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to his Department's news story of 3 May 2019, Cash here to stay as government commits to protecting access, if he will publish the schedule of meetings of the Joint Authorities Cash Strategy Group; and whether minutes will be taken at those meetings.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	260112
answer	answer is ministerial correction date of answer 10/06/2019 answer text <p>As part of our response to the Call for Evidence on access to cash, the Government announced that the Treasury would set up and chair the Joint Authorities Cash Strategy (JACS) Group.</p><p> </p><p>The Group brings together the Bank of England, Payments Systems Regulator and Financial Conduct Authority. This was in recognition of the need to ensure joined-up oversight of the UK’s cash infrastructure, in light of the changing behaviours and preferences of consumers and businesses.</p><p> </p><p>The Group will coordinate strategy across members, to ensure that the roles and responsibilities of each regulator remain clear and relevant, and that the effects of regulatory activities are evaluated across the full end-to-end cash system. The Group does not affect the statutory responsibilities of individual regulators.</p><p> </p><p>The Group is up and running and further details of its activities will be announced in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 260111 260113 question first answered 10/06/2019 11:14:22 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

1129639

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	Joint Authorities Cash Strategy Group
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if his Department will publish in full any recommendations produced by the Joint Authorities Cash Strategy Group.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	260113
answer	answer is ministerial correction date of answer 10/06/2019 answer text <p>As part of our response to the Call for Evidence on access to cash, the Government announced that the Treasury would set up and chair the Joint Authorities Cash Strategy (JACS) Group.</p><p> </p><p>The Group brings together the Bank of England, Payments Systems Regulator and Financial Conduct Authority. This was in recognition of the need to ensure joined-up oversight of the UK’s cash infrastructure, in light of the changing behaviours and preferences of consumers and businesses.</p><p> </p><p>The Group will coordinate strategy across members, to ensure that the roles and responsibilities of each regulator remain clear and relevant, and that the effects of regulatory activities are evaluated across the full end-to-end cash system. The Group does not affect the statutory responsibilities of individual regulators.</p><p> </p><p>The Group is up and running and further details of its activities will be announced in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 260111 260112 question first answered 10/06/2019 11:14:22 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

1129715

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	Pensions: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make it his policy for pension providers to produce standardised communications for charges on pension products for consumers.
tabling member constituency	Wallasey
tabling member printed	Ms Angela Eagle
uin	259888
answer	answer is ministerial correction date of answer 10/06/2019 answer text <p>In June 2018, the Financial Conduct Authority (FCA) published its Retirement Outcomes Review final report. This two-year study assessed how the retirement income market has evolved following the introduction of pension freedoms. The review found that drawdown charges are complex, not consistent between providers, and can vary substantially across providers.</p><p> </p><p>In response, the FCA is introducing a range of new measures, including a requirement for consumers entering drawdown to receive a first-year charge figure in pounds and pence terms. The FCA has also recently consulted on introducing a requirement for firms to provide annual information on costs and charges expressed in pounds and pence terms.</p><p> </p><p>As the market is continuing to evolve, the FCA did not propose introducing a charge cap at this stage. The FCA expects the market to deliver competitive charges and is highly likely to move towards a cap if it does not.</p><p> </p><p>The government welcomes the FCA’s work in this area, and stands ready to work with industry and the FCA to ensure consumer demands are being met, and any potential barriers to a thriving, competitive market can be addressed.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 259889 question first answered 10/06/2019 11:20:54 answering member 4051 label Biography information for John Glen
tabling member	491 label Biography information for Dame Angela Eagle

1129716

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	Pensions: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make it his policy to introduce a charging cap on the draw down of pension products.
tabling member constituency	Wallasey
tabling member printed	Ms Angela Eagle
uin	259889
answer	answer is ministerial correction date of answer 10/06/2019 answer text <p>In June 2018, the Financial Conduct Authority (FCA) published its Retirement Outcomes Review final report. This two-year study assessed how the retirement income market has evolved following the introduction of pension freedoms. The review found that drawdown charges are complex, not consistent between providers, and can vary substantially across providers.</p><p> </p><p>In response, the FCA is introducing a range of new measures, including a requirement for consumers entering drawdown to receive a first-year charge figure in pounds and pence terms. The FCA has also recently consulted on introducing a requirement for firms to provide annual information on costs and charges expressed in pounds and pence terms.</p><p> </p><p>As the market is continuing to evolve, the FCA did not propose introducing a charge cap at this stage. The FCA expects the market to deliver competitive charges and is highly likely to move towards a cap if it does not.</p><p> </p><p>The government welcomes the FCA’s work in this area, and stands ready to work with industry and the FCA to ensure consumer demands are being met, and any potential barriers to a thriving, competitive market can be addressed.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 259888 question first answered 10/06/2019 11:20:54 answering member 4051 label Biography information for John Glen
tabling member	491 label Biography information for Dame Angela Eagle

1129772

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	Cash Dispensing: Wolverhampton North East
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many free to use ATMs are located in Wolverhampton North East Constituency; and how many free to use ATMs there were in that constituency in (a) 2010 and (b) 2015.
tabling member constituency	Wolverhampton North East
tabling member printed	Emma Reynolds
uin	259973
answer	answer is ministerial correction date of answer 12/06/2019 answer text <p>The Government does not hold this information. Information on ATM numbers by Parliamentary Constituency for recent periods is publicly available on the LINK website. Data on the total stock of ATMs in the UK and how this has changed each year since 1998 – including the split between free-to-use and pay-to-use ATMs – is also available online. Furthermore, LINK publish monthly data on their Financial Inclusion Programme, and the numbers of free-to-use ATMs 1 kilometre or further from the next nearest free-to-use ATM.</p><p> </p><p>The Government-established Payment Systems Regulator (PSR) continues to monitor developments in ATM provision, and has used its powers to hold LINK to account over its commitments to preserve the broad geographic spread of the ATM network.</p> answering member constituency Salisbury answering member printed John Glen question first answered 12/06/2019 12:51:08 answering member 4051 label Biography information for John Glen
tabling member	4077 label Biography information for Emma Reynolds