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1130825

registered interest
date	10/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Pensioners: Social Security Benefits
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what are (1) the benefits, and (2) the concessions, provided exclusively to people of pensionable age; and what are the costs of each to the Exchequer.
tabling member printed	Lord Forsyth of Drumlean
uin	HL16192
answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>In total, DWP expenditure to people of pensionable age in 2017/18 was £123.8bn and this includes benefits payable to pensioners but not exclusive to that group such as: Disability Living Allowance; Personal Independence Payment; Christmas Bonus; and Cold Weather Payments. Exclusive pensioner benefits are listed below :</p><p> </p><table><tbody><tr><td colspan="2"><p>Pensioner benefit expenditure 2017/18</p></td></tr><tr><td><p>Attendance Allowance</p></td><td><p>£5.74bn</p></td></tr><tr><td><p>Pension Credit</p></td><td><p>£5.57bn</p></td></tr><tr><td><p>State Pension (bSP and nSP combined)</p></td><td><p>£97.38bn</p></td></tr><tr><td><p>Winter Fuel Payments</p></td><td><p>£2.1bn</p></td></tr><tr><td><p>Free TV Licences</p></td><td><p>£655m</p></td></tr></tbody></table><p> </p><p> </p> answering member printed Lord Young of Cookham question first answered 24/06/2019 13:57:04 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1141 label Biography information for Lord Forsyth of Drumlean

1130844

registered interest
date	10/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	GAM Greensill Supply Chain Finance Fund
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they are investigating, or intend to investigate, the (1) management of, (2) investment valuations used by, and (3) relationships between managers and businesses invested in, the GAM Greensill Supply Chain Finance Fund.
tabling member printed	Lord Myners
uin	HL16211
answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>The Financial Conduct Authority (FCA) is the conduct regulator for the financial services industry in the UK. The FCA will not normally make public the fact that it is or is not investigating a particular matter, in order to protect the effectiveness of any investigation it carries out. The FCA has been made aware of this Parliamentary Question.</p> answering member printed Lord Young of Cookham question first answered 24/06/2019 13:56:34 answering member 57 label Biography information for Lord Young of Cookham
tabling member	3869 label Biography information for Lord Myners

1130845

registered interest
date	10/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Lendy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether, when authorising Lendy, the Financial Conduct Authority (FCA) considered the company to be (1) an agent, or (2) a principal, in the relationship between the lender or borrower; or whether the FCA took no view on this matter.
tabling member printed	Lord Myners
uin	HL16212
answer	answer is ministerial correction date of answer 24/06/2019 answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to Lord Myners by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Young of Cookham question first answered 24/06/2019 13:56:52 answering member 57 label Biography information for Lord Young of Cookham
tabling member	3869 label Biography information for Lord Myners

1130627

registered interest
date	06/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	NHS: Apprentices
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what is the annual cost to the NHS of the Apprenticeship Levy.
tabling member printed	Lord Storey
uin	HL16171
answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>In 2016, the then Chancellor, in a letter to the Treasury Select Committee, set out an estimate of the impact of the Apprenticeship Levy on the NHS Hospital and Community Health Service in England. This was estimated to be around £190m.</p><p> </p><p>It is not possible to determine accurately the total annual levy payments made by all NHS trusts. This is because HMRC administrative data does not enable NHS trusts and their associated PAYE schemes to be easily identified.</p> answering member printed Lord Young of Cookham question first answered 20/06/2019 11:29:02 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4238 label Biography information for Lord Storey

1130631

registered interest
date	06/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Rural Areas
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 impact of the decline in the number of free-to-use cash machines on rural communities.
tabling member printed	Lord Taylor of Warwick
uin	HL16175
answer	answer is ministerial correction date of answer 20/06/2019 answer text <p>The Government recognises that widespread free access to cash remains important to the day-to-day lives of many people and businesses in the UK. At Spring Statement 2018, the Treasury launched a Call for Evidence on Cash &amp; Digital Payments. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics. In its response document, the Government reiterated its policy is to safeguard access to cash for those who need it while supporting digital payments.</p><p> </p><p>LINK, the scheme that runs the UK’s ATM network, has committed to maintain the broad geographical coverage of the ATM network in the UK. LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM. Furthermore, LINK recently announced new additional premiums to safeguard the presence of free-to-use ATMs in remote and deprived areas.</p><p> </p><p>The Government-established Payment Systems Regulator, which regulates LINK, is closely monitoring developments within ATM provision and has used its powers to hold LINK to account over its commitments.</p><p> </p><p><strong> </strong></p> answering member printed Lord Young of Cookham question first answered 20/06/2019 11:28:32 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1796 label Biography information for Lord Taylor of Warwick

1130212

registered interest
date	05/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Insurance
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have to regulate the credit insurance market to ensure that insurance cover adequately protects the supply chain of product-based businesses.
tabling member printed	Lord Allen of Kensington
uin	HL16073
answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>The underwriting of insurance risk, including credit risks, is a commercial decision, and Government does not prescribe the terms and conditions insurance companies set when offering insurance. This is important to the proper functioning of the economy. Many of the underlying causes of providers restricting credit insurance cover, wider economic uncertainty and sectoral trends, are outside Government control.</p><p> </p><p>Government is clear that it wants all businesses to thrive now and in the future, and will continue close monitoring of the market and affected sectors. Government is determined to make the UK one of the best places in the world to start and grow a business, and has announced multiple measures to support enterprise. Following the Patient Capital Review, we set out a £20 billion action plan at Budget 2017 to finance firms’ growth.</p> answering member printed Lord Young of Cookham question first answered 19/06/2019 16:38:56 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4304 label Biography information for Lord Allen of Kensington

1130213

registered interest
date	05/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Insurance
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 credit insurance cover available to the supply chain of product-based businesses.
tabling member printed	Lord Allen of Kensington
uin	HL16074
answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>Government monitors the credit insurance landscape and credit insurers’ pricing practices, through liaison with providers, businesses, and industry bodies. We will continue to study the market and closely monitor trends.</p><p> </p><p>Government has been made aware of restrictions in credit insurance cover some small and medium-sized product-based businesses are facing in the current trading climate. Difficult trading conditions, market trends, and uncertainty have led some credit insurance providers to reassess the level of cover they are willing to offer in certain sectors. This varies by industry and firm, and is a commercial decision for insurers.</p><p> </p><p>Other financial services products are also available to support businesses in lieu of credit insurance, for example from banks.</p> answering member printed Lord Young of Cookham grouped question UIN HL16075 HL16076 question first answered 19/06/2019 16:40:31 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4304 label Biography information for Lord Allen of Kensington

1130214

registered interest
date	05/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Insurance
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have to conduct a market study on credit insurance cover and pricing practices.
tabling member printed	Lord Allen of Kensington
uin	HL16075
answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>Government monitors the credit insurance landscape and credit insurers’ pricing practices, through liaison with providers, businesses, and industry bodies. We will continue to study the market and closely monitor trends.</p><p> </p><p>Government has been made aware of restrictions in credit insurance cover some small and medium-sized product-based businesses are facing in the current trading climate. Difficult trading conditions, market trends, and uncertainty have led some credit insurance providers to reassess the level of cover they are willing to offer in certain sectors. This varies by industry and firm, and is a commercial decision for insurers.</p><p> </p><p>Other financial services products are also available to support businesses in lieu of credit insurance, for example from banks.</p> answering member printed Lord Young of Cookham grouped question UIN HL16074 HL16076 question first answered 19/06/2019 16:40:31 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4304 label Biography information for Lord Allen of Kensington

1130215

registered interest
date	05/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Insurance
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 availability of credit insurance cover to assist small and medium-sized enterprises in the current trading climate.
tabling member printed	Lord Allen of Kensington
uin	HL16076
answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>Government monitors the credit insurance landscape and credit insurers’ pricing practices, through liaison with providers, businesses, and industry bodies. We will continue to study the market and closely monitor trends.</p><p> </p><p>Government has been made aware of restrictions in credit insurance cover some small and medium-sized product-based businesses are facing in the current trading climate. Difficult trading conditions, market trends, and uncertainty have led some credit insurance providers to reassess the level of cover they are willing to offer in certain sectors. This varies by industry and firm, and is a commercial decision for insurers.</p><p> </p><p>Other financial services products are also available to support businesses in lieu of credit insurance, for example from banks.</p> answering member printed Lord Young of Cookham grouped question UIN HL16074 HL16075 question first answered 19/06/2019 16:40:31 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4304 label Biography information for Lord Allen of Kensington

1130230

registered interest
date	05/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Married People: Tax Allowances
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the publication of revised figures on the uptake of the Marriage Allowance by HMRC, whether they have a revised budget for the Marriage Allowance for the 2019/20 financial year; and what the actual expenditure on the Marriage Allowance was in the 2018/19 financial year.
tabling member printed	Baroness Eaton
uin	HL16091
answer	answer is ministerial correction date of answer 19/06/2019 answer text <p>Anyone who applies for Marriage Allowance and meets the criteria will receive it. There is no set budget. The estimated cost to the Exchequer of Marriage Allowance in the 2018/19 financial year is £485 million. The cost will be finalised after 2018/19 Self-Assessment returns are submitted in January 2020.</p> answering member printed Lord Young of Cookham question first answered 19/06/2019 16:38:37 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4184 label Biography information for Baroness Eaton