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1365844

registered interest
date	03/11/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Children: Poverty
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate he has made of the number of children in the UK who live in a household in debt in each of the last five years; and if he will make a statement.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	69126
answer	answer is ministerial correction date of answer 09/11/2021 answer text <p>The Government does not hold this information.</p><p> </p><p>The Government carefully monitors trends in household finances in order to inform policy making to help people manage their money well, encourage them to save, and access support if they need to get their finances back on track. It does so by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and engages regularly with a range of other stakeholders on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey of 16,000 adults which provides a comprehensive insight into the finances of the <a href="https://en.wikipedia.org/wiki/UK" target="_blank">UK</a> population. The latest findings from the survey were published in February 2021. MaPS monitor financial difficulty through an annual survey of 22,000 people. MaPS will publish the results of the 2021 Debt Need Survey early next year.</p> answering member constituency Salisbury answering member printed John Glen question first answered 09/11/2021 14:40:13 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

1304739

registered interest
date	22/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what plans his Department has to support the introduction of free-to-use deposit-taking ATMs across the UK.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	173062
answer	answer is ministerial correction date of answer 30/03/2021 answer text <p>The Government created the Joint Authorities Cash Strategy Group in 2019, which has provided a forum for the public bodies to formally co-ordinate respective approaches to access to cash. This is chaired by HM Treasury and attended by the Bank of England, Payment Systems Regulator (PSR) and Financial Conduct Authority (FCA). The Group published an update on the actions of the Group’s members in July 2020. This included work led by the PSR and FCA to develop a comprehensive picture of cash access infrastructure across the UK.</p><p> </p><p>With regards to ATMs, LINK (the scheme that runs the UK’s largest ATM network) has existing arrangements in place to protect free-to-use ATMs that do not have another free-to-use ATM or Post Office within one kilometre. LINK’s members have also made £5 million available to fund ATMs at the request of communities with poor access to cash. The PSR has powers to regulate LINK and is holding it to account over its commitment to protect the broad geographic spread of free-to-use ATMs.</p><p> </p><p>The Government also continues to be fully supportive of the Post Office Banking Framework Agreement. The agreement allows 95% of business and 99% of personal banking customers to carry out their everyday banking at 11,500 Post Office branches in the UK until December 2022. The terms of future Banking Framework Agreements are commercial decisions between industry and the Post Office. The Government will continue to engage with industry and the Post Office to ensure that that all customers, wherever they live, continue to have access to over the counter banking services.</p><p> </p><p>Industry-led initiatives to support financial inclusion and access to cash are also underway. This includes the Community Access to Cash Pilots initiative which is taking place in nine locations across the UK. This initiative is trialling additional cash access facilities – including new ATMs, automated cash deposit facilities and cashback without a purchase – within selected pilot areas. These pilots are to test solutions for ensuring that communities can conveniently withdraw and deposit cash and to identify ways that basic banking services can be better delivered, that could be adopted in other locations. The Government looks forward to the outcomes of these pilots.</p><p> </p><p>The Government has committed to legislate to protect access to cash and ensure that the UK’s cash infrastructure is sustainable for the long term. To progress this work, the Government published a Call for Evidence on Access to Cash in October 2020. The Call for Evidence sought views on the key considerations associated with cash access, including deposit and withdrawal facilities, cash acceptance, and regulatory oversight of the cash system. The Government is considering responses to the Call for Evidence and will set out next steps in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 173066 question first answered 30/03/2021 12:53:42 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

1304740

registered interest
date	22/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Developing Countries
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to require private creditors to cancel debt owed by developing countries during the covid-19 pandemic.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	173063
answer	answer is ministerial correction date of answer 30/03/2021 answer text <p>The UK recognises the debt burden faced by developing countries during the Covid-19 pandemic. Support for developing countries is a key priority for the UK’s G7 presidency this year, and this includes delivering effective debt treatments that free up fiscal space to respond to the pandemic.</p><p> </p><p>We regularly work with our international partners in the G7, G20 and Paris Club on debt issues, including private sector participation in debt restructurings. As such, we are supportive of the full and swift implementation of the Common Framework. The Common Framework is a G20 agreement that brings together, for the first time, G20 creditors to participate in coordinated debt restructurings.</p><p> </p><p>Under the Common Framework, private sector creditors will be required to implement debt restructurings on at least as favourable terms as official creditors. This agreement should pave the way for more efficient, equitable, and effective case-by-case debt restructurings, which will allow low income countries to benefit from a more transparent and responsive approach to seeking debt treatment.</p> answering member constituency Salisbury answering member printed John Glen question first answered 30/03/2021 12:53:30 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

1304743

registered interest
date	22/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
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 free-to-use cash points are available in the places that they are needed.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	173066
answer	answer is ministerial correction date of answer 30/03/2021 answer text <p>The Government created the Joint Authorities Cash Strategy Group in 2019, which has provided a forum for the public bodies to formally co-ordinate respective approaches to access to cash. This is chaired by HM Treasury and attended by the Bank of England, Payment Systems Regulator (PSR) and Financial Conduct Authority (FCA). The Group published an update on the actions of the Group’s members in July 2020. This included work led by the PSR and FCA to develop a comprehensive picture of cash access infrastructure across the UK.</p><p> </p><p>With regards to ATMs, LINK (the scheme that runs the UK’s largest ATM network) has existing arrangements in place to protect free-to-use ATMs that do not have another free-to-use ATM or Post Office within one kilometre. LINK’s members have also made £5 million available to fund ATMs at the request of communities with poor access to cash. The PSR has powers to regulate LINK and is holding it to account over its commitment to protect the broad geographic spread of free-to-use ATMs.</p><p> </p><p>The Government also continues to be fully supportive of the Post Office Banking Framework Agreement. The agreement allows 95% of business and 99% of personal banking customers to carry out their everyday banking at 11,500 Post Office branches in the UK until December 2022. The terms of future Banking Framework Agreements are commercial decisions between industry and the Post Office. The Government will continue to engage with industry and the Post Office to ensure that that all customers, wherever they live, continue to have access to over the counter banking services.</p><p> </p><p>Industry-led initiatives to support financial inclusion and access to cash are also underway. This includes the Community Access to Cash Pilots initiative which is taking place in nine locations across the UK. This initiative is trialling additional cash access facilities – including new ATMs, automated cash deposit facilities and cashback without a purchase – within selected pilot areas. These pilots are to test solutions for ensuring that communities can conveniently withdraw and deposit cash and to identify ways that basic banking services can be better delivered, that could be adopted in other locations. The Government looks forward to the outcomes of these pilots.</p><p> </p><p>The Government has committed to legislate to protect access to cash and ensure that the UK’s cash infrastructure is sustainable for the long term. To progress this work, the Government published a Call for Evidence on Access to Cash in October 2020. The Call for Evidence sought views on the key considerations associated with cash access, including deposit and withdrawal facilities, cash acceptance, and regulatory oversight of the cash system. The Government is considering responses to the Call for Evidence and will set out next steps in due course.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 173062 question first answered 30/03/2021 12:53:42 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

852640

registered interest
date	01/03/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Services: Mental Illness
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps his Department is taking to ensure that financial lenders provide appropriate support to customers experiencing mental health difficulties.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	130636
answer	answer is ministerial correction date of answer 08/03/2018 answer text <p>The government is committed to building an economy that works for everyone, including those experiencing mental health difficulties.</p><p> </p><p>The Regulation of consumer credit is a matter for the Financial Conduct Authority (FCA). The government has given the FCA strong powers to protect consumers. It requires all lenders to treat customers fairly, and to establish appropriate policies for dealing with vulnerable customers, including those with mental health difficulties.</p><p> </p><p>We have passed the honourable lady’s question on to the FCA, who will reply directly to her by letter. A copy of the letter will be placed in the Library of the House.</p> answering member constituency Salisbury answering member printed John Glen question first answered 08/03/2018 12:21:46 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

839169

registered interest
date	08/02/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Domestic Abuse
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether all banks and financial service firms are required to have a written policy on domestic abuse.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	127727
answer	answer is ministerial correction date of answer 20/02/2018 answer text <p>The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.</p><p> </p><p>Confirmed Industry Guidance for the FCA’s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer’s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.</p><p> </p><p>The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 127729 question first answered 20/02/2018 12:10:22 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron

839171

registered interest
date	08/02/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Domestic Abuse
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what guidance his Department issued to (a) banks and (b) the financial service sector on responding to cases has of domestic abuse in which the perpetrator and victim have a joint bank accounts.
tabling member constituency	East Kilbride, Strathaven and Lesmahagow
tabling member printed	Dr Lisa Cameron
uin	127729
answer	answer is ministerial correction date of answer 20/02/2018 answer text <p>The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.</p><p> </p><p>Confirmed Industry Guidance for the FCA’s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer’s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.</p><p> </p><p>The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 127727 question first answered 20/02/2018 12:10:22 answering member 4051 label Biography information for John Glen
tabling member	4412 label Biography information for Dr Lisa Cameron