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229331

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Public Sector: Procurement
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 ensure that other Departments comply with guidance published by his Department in the Green Book (a) on the production and use made of business cases and related matters, (b) that such business cases are normally published in full at the time of the announcement of a public sector spending proposal to which they relate and (c) that where there is a statutory justification for an exemption to disclosure of any part of a business case, such justification will be published contemporaneously with such an announcement.
tabling member constituency	Sheffield South East
tabling member printed	Mr Clive Betts
uin	228883
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Green Book sets out that all new policies, programmes and projects, whether revenue, capital or regulatory, should be subject to comprehensive but proportionate assessment, wherever it is practicable, so as best to promote the public interest. Training and accreditation in the use of Green Book methodology is being extended across the public sector through the Better Business Cases programme, which aims to embed use of the best-practice five-case model in public service culture. In general it is not the Government’s policy to publish business cases, although exceptions are made when the Government considers publication to be of exceptional public interest.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:24:00 answering member 1529 label Biography information for Mr David Gauke
tabling member	394 label Biography information for Mr Clive Betts

229332

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will make an assessment of the progress made by the short-term credit industry on full market participation in real-time data-sharing.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228940
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The Government and the FCA have made it clear to payday lenders that real-time market-wide credit data sharing is key to more effective affordability assessments. In its November 2014 policy statement, the FCA set out there has been substantial progress made by the payday industry, with “the vast majority of the market now participating in real-time data sharing”. The FCA has committed to press the industry for further improvements, and has said it will make rules if it detects any loss of momentum.</p><p> </p><p> </p><p> </p><p>The FCA can use its flexible rule-making powers across the consumer credit market where it deems necessary to support its objectives, including protecting consumers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 228941 228943 question first answered 26/03/2015 13:19:03 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229333

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will take steps to ensure that full market participation in real-time data-sharing in the short-term credit market includes participants who are non-payday lenders.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228941
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The Government and the FCA have made it clear to payday lenders that real-time market-wide credit data sharing is key to more effective affordability assessments. In its November 2014 policy statement, the FCA set out there has been substantial progress made by the payday industry, with “the vast majority of the market now participating in real-time data sharing”. The FCA has committed to press the industry for further improvements, and has said it will make rules if it detects any loss of momentum.</p><p> </p><p> </p><p> </p><p>The FCA can use its flexible rule-making powers across the consumer credit market where it deems necessary to support its objectives, including protecting consumers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 228940 228943 question first answered 26/03/2015 13:19:02 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229334

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what information his Department holds on the affordability criteria used by the Financial Conduct Authority to set rules to protect consumers taking out loans in the short-term credit market.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228942
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers in the payday market, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The FCA has turned key elements of the Office of Fair Trading’s (OFT) Irresponsible Lending Guidance into binding rules, enforceable with the full range of FCA enforcement powers. These rules strengthen consumer protection and are based on the principle that money should only be lent to a consumer if they can afford to repay it.</p><p> </p><p> </p><p> </p><p>These rules set out that a firm should assess the customer’s creditworthiness, having regard to:</p><p> </p><ul><li><p>the potential for the commitments to impact adversely on the consumer’s financial situation, taking into account information which the firm is (or ought reasonably to be) aware at the time;</p></li><li><p>and the consumer’s ability to make repayments as they fall due.</p><p> </p><p>Further information on the FCA’s rules can be found in its handbook which is available online: http://fshandbook.info/FS/html/handbook/CONC.</p><p> </p></li></ul><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:24:12 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229335

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will bring forward proposals to secure full market participation in real-time data-sharing in the short-term credit market.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228943
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The Government and the FCA have made it clear to payday lenders that real-time market-wide credit data sharing is key to more effective affordability assessments. In its November 2014 policy statement, the FCA set out there has been substantial progress made by the payday industry, with “the vast majority of the market now participating in real-time data sharing”. The FCA has committed to press the industry for further improvements, and has said it will make rules if it detects any loss of momentum.</p><p> </p><p> </p><p> </p><p>The FCA can use its flexible rule-making powers across the consumer credit market where it deems necessary to support its objectives, including protecting consumers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 228940 228941 question first answered 26/03/2015 13:19:03 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229338

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Pensioners: Income Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the number of pensioners liable to pay income tax in the 2013-14 financial year who (a) did not have online access to and (b) were not sent tax forms by HM Revenue and Customs (HMRC); and what steps HMRC is taking to ensure those pensioners have access to such forms.
tabling member constituency	Nottingham East
tabling member printed	Chris Leslie
uin	228896
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>An estimated 6.25 million taxpayers were over the state pension age in 2013-14. Figures of those pensioners who do not have online access is not held by HMRC.</p><p> </p><p> </p><p>The Government announced at Budget 2015 the transformation of the tax system over the next parliament by introducing digital tax accounts for all individuals, removing the need for annual tax returns. It will be the choice of individuals whether they use these digital accounts.</p><p> </p><p> </p><p>For many, the transition to digital accounts will be simple. But for those who have difficulty in going online or who need extra help, HMRC will continue to provide extra help and support.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:33:18 answering member 1529 label Biography information for Mr David Gauke
tabling member	422 label Biography information for Mr Chris Leslie

229339

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Welfare Tax Credits
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, with reference to the HM Revenue and Customs publication Benefits and Credits, Tax Credits Error and Fraud Additional Capacity Trial, Final Evaluation, published in May 2014, for what reason section 1.7 listed in the contents page, Delegation of Commissioners' Powers, was not included in the body of that report; and if he will place in the Library a copy of that section.
tabling member constituency	Birkenhead
tabling member printed	Mr Frank Field
uin	228903
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The entry in the contents page of the HM Revenue and Customs publication Benefits and Credits, Tax Credits Error and Fraud Additional Capacity Trial, Final Evaluation, published in May 2014, is a typographical error. <br><br>The Commissioners executed a formal delegation of powers under the Commissioners for Revenue and Customs Act 2005.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:20:16 answering member 1529 label Biography information for Mr David Gauke
tabling member	478 label Biography information for Lord Field of Birkenhead

229341

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
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, what the average length of time was that an applicant waited for a decision on a Help to Buy application in each quarter since the launch of that scheme.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	228905
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The length of mortgage application data is not collected therefore the Treasury does not hold the information to provide an answer to this question.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:25:59 answering member 1529 label Biography information for Mr David Gauke
tabling member	298 label Biography information for Steve McCabe

229343

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	VAT
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what the average length of time was for a decision to be made by HM Revenue and Customs related to a business VAT return in each year since 2010.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	228906
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>HM Revenue &amp; Customs receive over 99% of VAT returns from business electronically. These are processed automatically. We commit to processing all VAT Returns within 8 days of receipt.</p><p> </p><p>All returns where a repayment is claimed are subject to an automated risk process, following which HMRC either makes the repayment or carries out further checks. HMRC has a statutory responsibility to take decisions on repayments within 30 days. In cases where HMRC does not achieve this, it is required to pay a repayment supplement. In 2013/14, HMRC met its statutory responsibility in over 99% of cases.</p><p> </p><p>Returns where a payment is due are not subject to the same automated risk assessment. Cases are selected for compliance checks on the basis of a range of risk factors not necessarily triggered by individual VAT returns. We therefore do not have information on the average length of time for a decision to be made related to a business VAT return in each year since 2010.</p><p> </p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:23:34 answering member 1529 label Biography information for Mr David Gauke
tabling member	298 label Biography information for Steve McCabe

229344

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	VAT
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the performance of HM Revenue and Customs against its targets on the processing and completion of corporate VAT returns.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	228907
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>HM Revenue &amp; Customs receive over 99% of VAT returns from business electronically. These are processed automatically. We commit to processing all VAT Returns within 8 days of receipt.</p><p> </p><p>All returns where a repayment is claimed are subject to an automated risk process, following which HMRC either makes the repayment or carries out further checks. HMRC has a statutory responsibility to take decisions on repayments within 30 days. In cases where HMRC does not achieve this, it is required to pay a repayment supplement. In 2013/14, HMRC met its statutory responsibility in over 99% of cases.</p><p> </p><p>Returns where a payment is due are not subject to the same automated risk assessment. Cases are selected for compliance checks on the basis of a range of risk factors not necessarily triggered by individual VAT returns.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:21:20 answering member 1529 label Biography information for Mr David Gauke
tabling member	298 label Biography information for Steve McCabe