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1177550

registered interest
date	11/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Services Compensation Scheme
house id	1
legislature	25259 pref label House of Commons
question text	What steps he is taking to ensure that the level of the Financial Services Compensation Scheme levy is (a) equitable and (b) proportionate.
tabling member constituency	Cities of London and Westminster
tabling member printed	Nickie Aiken
uin	900747
answer	answer is ministerial correction date of answer 11/02/2020 answer text <p>The FSCS is an independent non-governmental body. It operates within the rules set by the FCA and the PRA, who are also independent from government.</p><p> </p><p>The FSCS levy is set annually, within the overall levy limits set by the FCA and PRA. It is for the FCA and PRA to consider the impact of the levy on the firms they regulate. The Government has no role in setting the levy.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/02/2020 15:25:18 answering member 4051 label Biography information for John Glen
tabling member	4741 label Biography information for Nickie Aiken

1176731

registered interest
date	06/02/2020
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 steps he is taking to ensure access to cash is maintained in (a) Brighton and Hove and (b) England.
tabling member constituency	Hove
tabling member printed	Peter Kyle
uin	13551
answer	answer is ministerial correction date of answer 11/02/2020 answer text <p>The Government is committed to supporting digital payments while safeguarding access to cash for those who need it across the UK.</p><p> </p><p>To support this, the Government has launched the Joint Authorities Cash Strategy (JACS) Group – which is chaired by HM Treasury and brings together the Payment Systems Regulator, Financial Conduct Authority and Bank of England – to ensure a comprehensive oversight of the UK’s overall cash infrastructure.</p><p> </p><p>The Government-established Payment Systems Regulator regulates LINK, the scheme that runs the UK’s largest ATM network, and is holding LINK to account over their commitments to maintain the broad geographic spread of free-to-use ATMs.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/02/2020 15:28:56 answering member 4051 label Biography information for John Glen
tabling member	4505 label Biography information for Peter Kyle

1176741

registered interest
date	06/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: China
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential effect of trends in the level of debt in China on the world financial system.
tabling member constituency	Warley
tabling member printed	John Spellar
uin	13414
answer	answer is ministerial correction date of answer 13/02/2020 answer text <p>As highlighted by several institutions, including the International Monetary Fund, there are material risks associated with indebtedness in China.</p><p> </p><p>The Financial Policy Committee of the Bank of England, which is responsible for monitoring risks to financial stability in the UK, reflected the risk of a severe recession in China, which would encompass factors such as its debt levels, in its 2019 stress tests of UK banks. The FPC concluded that the UK banking system would be resilient to this risk.</p><p><strong> </strong></p> answering member constituency Salisbury answering member printed John Glen question first answered 13/02/2020 12:11:46 answering member 4051 label Biography information for John Glen
tabling member	318 label Biography information for John Spellar

1176323

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what progress the Financial Conduct Authority has made in directing consumers with pre-existing and historical medical conditions to the most appropriate insurance providers.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	12843
answer	answer is ministerial correction date of answer 10/02/2020 answer text <p>On 5 February, the Financial Conduct Authority (FCA) published new rules and guidance to improve access to travel insurance for all consumers with medical conditions.</p><p> </p><p>Included within the FCA’s rules is a requirement for firms to signpost consumers to specialist providers if they are declined cover, offered cover with an exclusion, or charged a significantly higher premium based on their medical condition.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/02/2020 12:30:47 answering member 4051 label Biography information for John Glen
tabling member	1409 label Biography information for Mr Gregory Campbell

1176354

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure that car insurance premiums do not discriminate drivers because of their ethnicity.
tabling member constituency	Birmingham, Ladywood
tabling member printed	Shabana Mahmood
uin	12880
answer	answer is ministerial correction date of answer 10/02/2020 answer text <p>The Equality Act 2010 prohibits firms from discriminating against consumers with most protected characteristics, one of which is race. Insurers can only discriminate based on a limited range of characteristics if they can provide objective, accurate, and reliable evidence that the consumer is at a higher risk of making a claim, and if the information they used to assess the application was used in a reasonable way.</p><p> </p><p>Furthermore, firms are required to treat consumers fairly under the Financial Conduct Authority’s rules. The FCA is empowered to address misconduct, and where this has occurred it can undertake full investigations, and as a result impose financial penalties or even order firms to cease certain activities.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 12304 12881 question first answered 10/02/2020 12:21:56 answering member 4051 label Biography information for John Glen
tabling member	3914 label Biography information for Shabana Mahmood

1176355

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Motor Vehicles: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make an assessment of whether drivers born outside the UK pay higher car insurance premiums than drivers born in the UK.
tabling member constituency	Birmingham, Ladywood
tabling member printed	Shabana Mahmood
uin	12881
answer	answer is ministerial correction date of answer 10/02/2020 answer text <p>The Equality Act 2010 prohibits firms from discriminating against consumers with most protected characteristics, one of which is race. Insurers can only discriminate based on a limited range of characteristics if they can provide objective, accurate, and reliable evidence that the consumer is at a higher risk of making a claim, and if the information they used to assess the application was used in a reasonable way.</p><p> </p><p>Furthermore, firms are required to treat consumers fairly under the Financial Conduct Authority’s rules. The FCA is empowered to address misconduct, and where this has occurred it can undertake full investigations, and as a result impose financial penalties or even order firms to cease certain activities.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 12304 12880 question first answered 10/02/2020 12:21:56 answering member 4051 label Biography information for John Glen
tabling member	3914 label Biography information for Shabana Mahmood

1176418

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Children: Day Care
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many people have registered for the tax free childcare scheme in each constituent part of the UK since its inception.
tabling member constituency	Upper Bann
tabling member printed	Carla Lockhart
uin	13063
answer	answer is ministerial correction date of answer 13/02/2020 answer text <p>Statistics relating to Tax-Free Childcare account usage are published quarterly in “Tax-Free Childcare Statistics” on the gov.uk website. The latest publication, containing information up to September 2019 is here: <a href="https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics" target="_blank">https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics</a></p><p> </p><p>Table 5 of the publication shows the number of families, by Government Office Region, that have a Tax-Free Childcare account. The table below shows the number of accounts that are open, regardless of whether or not they have been used.</p><p> </p><table><tbody><tr><td rowspan="2"><p>Region</p></td><td colspan="2"><p>Year</p></td></tr><tr><td><p>2017-18</p></td><td><p>2018-19</p></td></tr><tr><td><p>Families with Open Tax-Free Childcare accounts</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>United Kingdom</p></td><td><p>272,320</p></td><td><p>449,355</p></td></tr><tr><td><p>England</p></td><td><p>263,255</p></td><td><p>426,130</p></td></tr><tr><td><p>North East</p></td><td><p>11,355</p></td><td><p>18,200</p></td></tr><tr><td><p>North West</p></td><td><p>37,310</p></td><td><p>59,495</p></td></tr><tr><td><p>Yorkshire and Humber</p></td><td><p>25,395</p></td><td><p>40,750</p></td></tr><tr><td><p>East Midlands</p></td><td><p>23,580</p></td><td><p>38,215</p></td></tr><tr><td><p>West Midlands</p></td><td><p>26,615</p></td><td><p>43,220</p></td></tr><tr><td><p>East of England</p></td><td><p>30,045</p></td><td><p>50,140</p></td></tr><tr><td><p>London</p></td><td><p>33,800</p></td><td><p>54,550</p></td></tr><tr><td><p>South East</p></td><td><p>45,535</p></td><td><p>74,660</p></td></tr><tr><td><p>South West</p></td><td><p>29,625</p></td><td><p>46,900</p></td></tr><tr><td><p>Wales</p></td><td><p>2,285</p></td><td><p>6,745</p></td></tr><tr><td><p>Scotland</p></td><td><p>3,400</p></td><td><p>9,700</p></td></tr><tr><td><p>Northern Ireland</p></td><td><p>1,340</p></td><td><p>3,240</p></td></tr></tbody></table><p> </p><p>In September 2019 15% of families with an open Tax-Free Childcare account had at least one self-employed parent.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 13064 question first answered 13/02/2020 14:06:27 answering member 4051 label Biography information for John Glen
tabling member	4857 label Biography information for Carla Lockhart

1176419

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Children: Day Care
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what proportion of people registered for the tax-free childcare scheme are self-employed.
tabling member constituency	Upper Bann
tabling member printed	Carla Lockhart
uin	13064
answer	answer is ministerial correction date of answer 13/02/2020 answer text <p>Statistics relating to Tax-Free Childcare account usage are published quarterly in “Tax-Free Childcare Statistics” on the gov.uk website. The latest publication, containing information up to September 2019 is here: <a href="https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics" target="_blank">https://www.gov.uk/government/collections/tax-free-childcare-quarterly-statistics</a></p><p> </p><p>Table 5 of the publication shows the number of families, by Government Office Region, that have a Tax-Free Childcare account. The table below shows the number of accounts that are open, regardless of whether or not they have been used.</p><p> </p><table><tbody><tr><td rowspan="2"><p>Region</p></td><td colspan="2"><p>Year</p></td></tr><tr><td><p>2017-18</p></td><td><p>2018-19</p></td></tr><tr><td><p>Families with Open Tax-Free Childcare accounts</p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>United Kingdom</p></td><td><p>272,320</p></td><td><p>449,355</p></td></tr><tr><td><p>England</p></td><td><p>263,255</p></td><td><p>426,130</p></td></tr><tr><td><p>North East</p></td><td><p>11,355</p></td><td><p>18,200</p></td></tr><tr><td><p>North West</p></td><td><p>37,310</p></td><td><p>59,495</p></td></tr><tr><td><p>Yorkshire and Humber</p></td><td><p>25,395</p></td><td><p>40,750</p></td></tr><tr><td><p>East Midlands</p></td><td><p>23,580</p></td><td><p>38,215</p></td></tr><tr><td><p>West Midlands</p></td><td><p>26,615</p></td><td><p>43,220</p></td></tr><tr><td><p>East of England</p></td><td><p>30,045</p></td><td><p>50,140</p></td></tr><tr><td><p>London</p></td><td><p>33,800</p></td><td><p>54,550</p></td></tr><tr><td><p>South East</p></td><td><p>45,535</p></td><td><p>74,660</p></td></tr><tr><td><p>South West</p></td><td><p>29,625</p></td><td><p>46,900</p></td></tr><tr><td><p>Wales</p></td><td><p>2,285</p></td><td><p>6,745</p></td></tr><tr><td><p>Scotland</p></td><td><p>3,400</p></td><td><p>9,700</p></td></tr><tr><td><p>Northern Ireland</p></td><td><p>1,340</p></td><td><p>3,240</p></td></tr></tbody></table><p> </p><p>In September 2019 15% of families with an open Tax-Free Childcare account had at least one self-employed parent.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 13063 question first answered 13/02/2020 14:06:27 answering member 4051 label Biography information for John Glen
tabling member	4857 label Biography information for Carla Lockhart

1176460

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Travel: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure that (a) comprehensive and (b) competitively priced travel insurance cover is available to people with mental health problems after the transition period ends.
tabling member constituency	Leicester South
tabling member printed	Jonathan Ashworth
uin	12908
answer	answer is ministerial correction date of answer 13/02/2020 answer text <p>On Wednesday 5 February, the Financial Conduct Authority (FCA) published new rules and guidance to improve access to travel insurance for all consumers with medical conditions</p><p> </p><p>Included within the FCA’s rules is a requirement for firms to signpost consumers to specialist providers if they are declined cover, offered cover with an exclusion, or charged a significantly higher premium based on their pre-existing medical condition.</p><p> </p><p>In addition, the Government has legislated to ensure that all UK insurance policies with EU insurance companies can continue to be serviced by those EU companies after Brexit, notably with a Temporary Permissions Regime (TPR) for EEA firms currently passporting into the UK. This allows EU firms to continue operations in the UK for a time-limited period at the end of the transition period while they apply for full UK authorization, while the Financial Services Contracts Regime allows for the orderly wind down of the UK regulated activities of remaining firms who do not enter the TPR.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 12909 12910 question first answered 13/02/2020 12:09:30 answering member 4051 label Biography information for John Glen
tabling member	4244 label Biography information for Jonathan Ashworth

1176461

registered interest
date	05/02/2020
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Travel: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps the Government is taking to ensure that (a) comprehensive and (b) competitively priced travel insurance cover is available to people with (i) disabilities and (ii) chronic health conditions after the transition period ends.
tabling member constituency	Leicester South
tabling member printed	Jonathan Ashworth
uin	12909
answer	answer is ministerial correction date of answer 13/02/2020 answer text <p>On Wednesday 5 February, the Financial Conduct Authority (FCA) published new rules and guidance to improve access to travel insurance for all consumers with medical conditions</p><p> </p><p>Included within the FCA’s rules is a requirement for firms to signpost consumers to specialist providers if they are declined cover, offered cover with an exclusion, or charged a significantly higher premium based on their pre-existing medical condition.</p><p> </p><p>In addition, the Government has legislated to ensure that all UK insurance policies with EU insurance companies can continue to be serviced by those EU companies after Brexit, notably with a Temporary Permissions Regime (TPR) for EEA firms currently passporting into the UK. This allows EU firms to continue operations in the UK for a time-limited period at the end of the transition period while they apply for full UK authorization, while the Financial Services Contracts Regime allows for the orderly wind down of the UK regulated activities of remaining firms who do not enter the TPR.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 12908 12910 question first answered 13/02/2020 12:09:30 answering member 4051 label Biography information for John Glen
tabling member	4244 label Biography information for Jonathan Ashworth