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1123292

registered interest
date	25/04/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services
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 number of people who have no form of bank account in the UK and the additional costs such people incur to access certain goods and services.
tabling member printed	Lord Kennedy of Southwark
uin	HL15348
answer	answer is ministerial correction date of answer 09/05/2019 answer text <p>The Government takes financial inclusion very seriously and is working to ensure everyone can have access to useful and affordable financial services, including a bank account.</p><p> </p><p>The Treasury does not make assessments of the number of people who do not have a bank account or the additional costs that may be incurred. However, in 2017, the Financial Conduct Authority published the results of the Financial Lives Survey which found that 1.3 million UK adults were unbanked, i.e. have no current account or alternative e-money account.</p><p> </p><p>The Financial Lives Survey report contains further information on the characteristics of the unbanked. The report analyses survey results across the four nations of the UK, the nine regions of England, and by rural and urban areas. The FCA intend to repeat the Financial Lives Survey on a regular basis in future.</p><p> </p><p> </p><p>However, the nine largest personal current account providers in the UK are legally required to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account. Accounts have all the standard payment features such as Direct Debits and Standing Orders, though no overdraft or cheque book facilities. The Treasury’s December 2018 publication shows that in total there are nearly 7.5 million basic bank accounts open in the UK.</p> answering member printed Lord Young of Cookham question first answered 09/05/2019 10:37:58 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4153 label Biography information for Lord Kennedy of Southwark

1121594

registered interest
date	11/04/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services: Fees and Charges
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 charges levied on customers by UK banks.
tabling member printed	Lord Kennedy of Southwark
uin	HL15245
answer	answer is ministerial correction date of answer 25/04/2019 answer text <p>The Treasury does not make assessments on the charges levied on customers by UK banks because in most circumstances fees and charges are commercial decisions for the bank.</p> answering member printed Lord Young of Cookham question first answered 25/04/2019 10:54:33 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4153 label Biography information for Lord Kennedy of Southwark

1088869

registered interest
date	14/03/2019
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Grenfell Tower Inquiry
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government when they expect Sir Martin Moore-Bick to publish his report on the first phase of the Grenfell Tower Inquiry.
tabling member printed	Lord Kennedy of Southwark
uin	HL14574
answer	answer is ministerial correction date of answer 25/03/2019 answer text <p>The timetable for the independent public Inquiry into the Grenfell Tower fire is a matter for the Inquiry Chair.</p><p><strong> </strong></p><p>The Inquiry’s most recent update, published on their website on 5 March, confirms that the Chairman is in the process of drafting the Phase 1 report and that he hopes to complete it in the spring.</p><p> </p> answering member printed Lord Young of Cookham question first answered 25/03/2019 11:56:11 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4153 label Biography information for Lord Kennedy of Southwark

1002242

registered interest
date	05/11/2018
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Local Resilience Forums: Emergencies
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what are the reasonable worst-case scenarios that they have asked local resilience forums to work on.
tabling member printed	Lord Kennedy of Southwark
uin	HL11263
answer	answer is ministerial correction date of answer 13/11/2018 answer text <p>Local Resilience Forums are required under the Civil Contingencies Act to compile and publish community risk registers setting out the main risks in their areas to both raise awareness and guide contingency planning. In doing this, they are guided by, among other things, the National Risk Assessment (NRA) which covers the range of risks that could cause a civil emergency in the UK, and provides a list of the common consequences of these risks in the form of planning assumptions. These cover the maximum scale, duration and impact that could reasonably be expected to occur as a result of emergencies.</p><p>The NRA is classified for national security reasons, and it is therefore not possible to share details of the reasonable worst-case scenarios or planning assumptions. A declassified version is available in the form of the <a href="https://www.gov.uk/government/publications/national-risk-register-for-civil-emergencies-2015-edition" target="_blank">National Risk Register of Civil Emergencies</a> (NRR). This is also provided to the local planning community, and has been placed in the House of Lords Library. Most Community Risk Registers are also available online.</p><p><strong> </strong></p> answering member printed Lord Young of Cookham question first answered 13/11/2018 16:52:27 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4153 label Biography information for Lord Kennedy of Southwark

999757

registered interest
date	01/11/2018
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Local Government: Elections
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have for further voter ID pilots in next year’s local elections; and how lessons learnt from the 2018 pilots will inform decisions regarding any pilots next year.
tabling member printed	Lord Kennedy of Southwark
uin	HL11202
answer	answer is ministerial correction date of answer 13/11/2018 answer text <p>The Government is committed to making sure that our electoral system is fit for the future. Vulnerabilities cannot be allowed to undermine the integrity of our democracy.</p><p>The success of the voter ID pilots in May this year proves that voter ID is a reasonable and proportionate measure.</p><p>On 3 November the Government announced that eleven local authorities across England would be takiné part in voter ID pilots for the 2019 local elections:</p><p>https://www.gov.uk/government/news/next-round-of-voter-id-pilots-announced-for-2019</p><p>The pilots will give us a deeper understanding of how voter ID will work on a wider scale and what works best for voters. We are paying close attention to the Electoral Commission's recommendations to help inform the development of voter ID.</p> answering member printed Lord Young of Cookham question first answered 13/11/2018 12:12:03 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4153 label Biography information for Lord Kennedy of Southwark