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523395

registered interest
date	07/06/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Lloyds Banking Group: Government Shareholding
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, when he plans to launch the next Lloyds Bank share offer; and what incentives he plans to include in that offer to encourage small shareholders to retain shares that they purchase.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	39642
answer	answer is ministerial correction date of answer 13/06/2016 answer text <p>The government is committed to launching a retail sale of Lloyds Banking Group shares and to fully returning its stake to the private sector in 2016-17.</p><p> </p><p>Those applying to invest less than £1,000 will be prioritised. Members of the public will be offered a discount on the market price and, to encourage long term share ownership, investors who hold their shares for more than a year will be entitled to bonus shares.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 13/06/2016 15:09:33 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

523397

registered interest
date	07/06/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Older People: Payments
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will introduce a payment of £1,000 to each person reaching the age of 100.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	39641
answer	answer is ministerial correction date of answer 13/06/2016 answer text <p>This government is committed to ensuring that older people are able to live with the dignity and respect they deserve and the State Pension is the foundation of state support for older people. That is why the government has committed to increasing the State Pension by the triple lock, with someone on a full basic State Pension receiving around £570 more in 2016-17 than if it had been uprated by average earnings since the start of the last Parliament.</p><p> </p><p>In total, the government will spend around £95 billion on the State Pension in 2016-17.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 13/06/2016 15:13:23 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

521091

registered interest
date	24/05/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Annuities: Equality
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department has made an assessment of the compliance of annuity offers to male and female retirees since December 2012 with the Equalities Act 2010.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	38267
answer	answer is ministerial correction date of answer 06/06/2016 answer text <p>As set out in the Equality Act 2010 (Amendment) Regulations 2012, HM Treasury will review the implementation of the principle of equal treatment between men and women in the access to and supply of goods and services in respect of insurance services, including annuities, within 5-years of these Regulations come into force; by 21 December 2017.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 06/06/2016 14:16:54 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

514376

registered interest
date	20/04/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	National Savings Bonds: Pensioners
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will make it his policy to introduce further Pensioner Bonds with a higher interest rate than is available commercially.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	34765
answer	answer is ministerial correction date of answer 25/04/2016 answer text <p>65+ Guaranteed Growth Bonds were a special issue aimed at helping pensioners who rely on their savings in retirement. There are currently no plans for a further issue.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 25/04/2016 15:12:07 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

456940

registered interest
date	02/03/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Public Sector Debt
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what progress he is making on his plans to begin to reduce public sector net debt as a share of gross domestic product in 2016-17.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	29376
answer	answer is ministerial correction date of answer 07/03/2016 answer text <p>The latest Office for Budget Responsibility forecast published in November 2015 shows that the government is on track to reduce public sector net debt as a share of GDP in 2016-17. The government remains committed to continuing the job of returning the public finances to a more sustainable position. In a low inflationary environment, taking account for economic shocks, the most reliable way to bring debt down as a share of GDP is to run a surplus and maintain it in normal times.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 07/03/2016 15:35:14 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

456941

registered interest
date	02/03/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Personal Savings: Interest Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what representations he has received on financial institutions' plans to offer negative or zero rates of interest to savers.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	29380
answer	answer is ministerial correction date of answer 07/03/2016 answer text <p>HM Treasury has not received any representations on financial institutions' plans to offer negative or zero rates of interest to savers.</p><p> </p><p>The levels of interest being paid to savers and their disclosure was explored as part of the Financial Conduct Authority’s (FCA) Cash Savings Market Study report, which was published in January 2015. The report found that competition in the cash savings market was not working well for many consumers and, in response, the FCA has consulted on and will subsequently be introducing new rules from 1 December 2016 designed to both improve competition and the information savers receive. As part of these new rules, firms will need to make it clear to consumers what interest rate they are getting for their account.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 07/03/2016 15:33:21 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

453662

registered interest
date	22/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Public Sector Debt
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether public sector net debt is forecast to fall in the next financial year.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	27604
answer	answer is ministerial correction date of answer 25/02/2016 answer text <p>The Office for Budget Responsibility (OBR) produce the forecast for public sector net debt. Based on the OBR’s November 2015 ‘Economic and fiscal outlook’, public sector net debt is expected to fall as a share of GDP in every year of the forecast period.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 25/02/2016 15:23:19 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

451445

registered interest
date	09/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to assist middle-income families with their pension planning.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	26383
answer	answer is ministerial correction date of answer 12/02/2016 answer text <p>The government is committed to making sure that people can access high quality, affordable, tailored advice and guidance to help them make informed financial decisions.</p><p> </p><p>The government set up Pension Wise to offer free and impartial guidance to those eligible to access the pension freedoms, to allow them to make confident, informed choices about how to use their retirement savings. The government has also extended access to the service, allowing those aged 50 and above to use guidance sessions to help them plan for their retirement. In addition, the Money Advice Service provides guides to help people improve their finances; tools and calculators to help them track and plan ahead; and offers support in person, over the phone and online.</p><p> </p><p>The government recognises that there is a potential “advice gap” for people who do not have significant wealth. The government launched the Financial Advice Market Review (FAMR), which is being led jointly by HM Treasury and the Financial Conduct Authority, to look at how best to increase the accessibility and affordability of financial advice. The government also launched the Public Financial Guidance consultation to look at how the provision of public financial guidance could be made more effective for consumers. Both FAMR and the Public Financial Guidance consultation will publish their recommendations in time for Budget 2016.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 12/02/2016 14:44:23 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

445860

registered interest
date	19/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Help to Buy Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will make it his policy to provide assistance to people who have purchased homes under the Help to Buy scheme in the event that interest rates subsequently rise.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	23182
answer	answer is ministerial correction date of answer 27/01/2016 answer text <p>The Government does not have any plans to provide additional assistance to those who have purchased a home under the Help to Buy scheme, in the event of a rise in interest rates.</p><br /><p>Since April 2014, lenders have had to conduct an affordability assessment which includes a robust income and expenditure analysis. In addition, lenders must consider the impact of future interest rate increases on affordability.</p><br /><p>This ensures that mortgages are only advanced where there is a reasonable expectation that the customer can repay.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 27/01/2016 16:06:46 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell

445864

registered interest
date	19/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Money Laundering: EU Law
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how he plans to assess the effectiveness of the implementation in the UK of the EU Anti-Money Laundering Directive.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	23205
answer	answer is ministerial correction date of answer 22/01/2016 answer text <p>The EU’s fourth Anti-Money Laundering Directive (‘the Directive’) was formally adopted in June 2015, and Member States now have until June 2017 to transpose its requirements into national law. The Government plans to publish a consultation on transposition of the Directive by early spring which will run for a full 12 weeks. We will consult on areas where the Directive gives us options or discretion on how we transpose its provisions as well as areas where we can improve the UK’s anti-money laundering and counter-financing of terrorism (AML/CFT) regime.</p><br /><p>Transposition of the Directive is just one element of the Government’s comprehensive Anti-Money Laundering regime. HM Treasury and Home Office are working closely on a forthcoming Action Plan to address the issues identified in the UK’s first National Risk Assessment of Money Laundering and Terrorist Financing, in order to increase the effectiveness of the AML/CFT regime. This work is overseen jointly by Home Office and Treasury Ministers.</p><br /><p>Scrutinising all aspects of the UK’s AML/CFT regime, the Financial Action Task Force (FATF) Mutual Evaluation of the United Kingdom will be the ultimate test of effectiveness and will take place in the course of 2017 and 2018. The FATF Mutual Evaluation will judge both the technical compliance and effectiveness of the UK’s AML/CFT regime. But the implementation of the Directive will be key to achieving a successful evaluation, as the Directive will enact the FATF standards into UK domestic law.</p><br /><p>By undertaking this work, we are further ensuring that our anti-money laundering and counter-financing of terrorism regime is robust and sufficiently responsive to emerging threats.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 22/01/2016 12:37:43 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	1409 label Biography information for Mr Gregory Campbell