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1127020

registered interest
date	15/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of any increase in complaints regarding short-term and payday lenders related to those suffering with problem debt.
tabling member printed	Lord Taylor of Warwick
uin	HL15781
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market, transferring regulatory responsibility to the Financial Conduct Authority (FCA) on 1 April 2014.</p><p> </p><p>The FCA requires payday lenders to carry out robust affordability checks, limits the number of times a payday loan can be rolled over to two, places tough restrictions on lenders’ use of continuous payment authorities, and requires all payday lending adverts to include a risk warning and information about where to get free debt advice.</p><p> </p><p>The Government has given the FCA strong powers to protect consumers and to take action against firms and individuals that do not meet its standards. In 2018, the FCA issued total fines of £60 million.</p><p><strong> </strong></p><p>On problem debt more broadly, the Government is implementing its manifesto commitment to introduce a breathing space and statutory debt repayment plan. The two polices aim to give people in problem debt the opportunity to take control of their finances and put them on a sustainable footing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:23:21 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1796 label Biography information for Lord Taylor of Warwick

1126691

registered interest
date	14/05/2019
answering body	Department for International Trade
answering dept id	202
answering dept short name	International Trade
answering dept sort name	International Trade
hansard heading	Overseas Trade
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the Written Answers by Viscount Younger of Leckie on 14 May (HL15424 and HL15425), which are the 27 members of the World Trade Organisation (WTO) with which the UK trades solely on WTO terms.
tabling member printed	Lord Bowness
uin	HL15708
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The World Trade Organisation (WTO) Members with which the UK trades purely on WTO Terms - not subject to any Free Trade Agreement or preferential trade regime – are: Argentina, Australia, Bahrain, Brazil, Brunei Darussalam, China, Chinese Taipei, Cuba, Gabon, Hong Kong, Kazakhstan, Kuwait, Macao, Malaysia, the Maldives, New Zealand, Oman, Paraguay, Qatar, Russia, Saudi Arabia, Singapore, Thailand, United Arab Emirates, the US, Uruguay and Venezuela.</p><p> </p> answering member printed Viscount Younger of Leckie question first answered 22/05/2019 16:50:38 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	3496 label Biography information for Lord Bowness

1126715

registered interest
date	14/05/2019
answering body	Department for Business, Energy and Industrial Strategy
answering dept id	201
answering dept short name	Business, Energy and Industrial Strategy
answering dept sort name	Business, Energy and Industrial Strategy
hansard heading	Electric Vehicles
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what estimate they have made of the increase in demand for power as a result of any growth in electric vehicle use by (1) 2030, and (2) 2040; and what plans they have to ensure the UK's energy infrastructure meets this rise in demand.
tabling member printed	Lord Mendelsohn
uin	HL15732
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>National Grid (Electricity System Operator) published their 2018 Future Energy Scenarios on 12 July (attached) and previously produced a bespoke note on the electricity system impacts of electric vehicles (attached). The level of impact that National Grid presents is manageable by the electricity system and shows the benefits that can be provided through smart charging of electric vehicles. Therefore, the Government has taken powers in the Automated and Electric Vehicles Act to mandate that all charge points sold or installed in the UK must be smart enabled, and we are planning to consult on secondary regulations this year. In addition, the Government has established an Electric Vehicle Energy Taskforce, made up of representatives from across the automotive and energy industries and consumer groups, in order to consider these issues, alongside the wider integration of electric vehicles into the energy system. The Government is confident it will be possible to manage additional demand from greater uptake of electric vehicles through adjustments to the level of capacity secured in Capacity Market auctions.</p><p> </p><p>In terms of transporting the power, network companies (including transmission operators) are regional monopolies regulated by the independent energy regulator Ofgem. Ofgem regulates the companies using a price control process called RIIO. As part of this process companies are expected to run a safe and secure network whilst adequately investing for the future and ensuring fair costs to consumers. This process ensures the network infrastructure can transport the power to where it is needed.</p> answering member printed Lord Henley attachment 1 file name fes-interactive-version-final.pdf title Future Energy Scenarios (July 2018) 2 file name ev-myth-buster-v032.pdf title Electricity system impacts of electric vehicles question first answered 22/05/2019 16:25:52 answering member 2616 label Biography information for Lord Henley
tabling member	4286 label Biography information for Lord Mendelsohn

1126718

registered interest
date	14/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Loans
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they have modelled the systemic risk impact of growth in instructional, non bank, lending.
tabling member printed	Lord Myners
uin	HL15735
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Financial Policy Committee (FPC) of the Bank of England was set up to identify, monitor and take action to remove or reduce systemic risks with a view to protecting and enhancing the resilience of the UK financial system as part of the new financial regulatory framework legislated for under The Financial Services Act 2012. Part of the FPC’s remit includes the responsibility for assessing risks in the financial system, including from the non-bank financial system. The FPC set out its most recent assessment of financial stability risks from the non-bank financial sector in its 28th November 2018 Financial Stability Report.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:28:54 answering member 57 label Biography information for Lord Young of Cookham
tabling member	3869 label Biography information for Lord Myners

1126727

registered interest
date	14/05/2019
answering body	Department for Business, Energy and Industrial Strategy
answering dept id	201
answering dept short name	Business, Energy and Industrial Strategy
answering dept sort name	Business, Energy and Industrial Strategy
hansard heading	Motor Vehicles: Manufacturing Industries
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 on the automotive sector of recent announcements by Honda and other car manufacturers of expected job losses in the UK.
tabling member printed	Lord Taylor of Warwick
uin	HL15744
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>This is a concerning time for the 3,500 workers at the Swindon plant and the many thousands of people employed by companies in Honda UK’s supply chain. The Government will come together to provide support for those affected by this and other decisions.</p><p> </p><p>Despite this disappointing news, government believes that the case for continued investment in the UK is exceptionally strong, and that Honda and our strategic technology priorities are aligned. The UK has some of the best talent in the world and the Government is already investing in future car manufacturing, batteries and electrification infrastructure to ensure the UK retains its world-leading edge. The UK continues to be one of the most competitive locations in the world for automotive and other advanced manufacturing. We continue to support individual company investments in technology transition, and we are committed to maintaining and growing our domestic supply chain and highly skilled workforce.</p><p> </p><p>We recognise the challenges facing automotive businesses, including the prevailing market conditions in Europe, but strongly believe that companies in automotive and other sectors can continue to take advantage of the UK’s business environment and the opportunities arising from accessing new and developing markets in the UK and overseas.</p><p> </p><p>We are determined to ensure that the UK continues to be one of the most competitive locations in the world for the automotive sector. BEIS Ministers and officials regularly engage with the automotive industry, including bilaterals with manufacturers, interactions via trade associations, and through the Department’s participation in the Automotive Council.</p> answering member printed Lord Henley question first answered 22/05/2019 16:28:04 answering member 2616 label Biography information for Lord Henley
tabling member	1796 label Biography information for Lord Taylor of Warwick

1126306

registered interest
date	13/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insolvency
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether the proposals in the consultation by HMRC Protecting your taxes in insolvency, published on 26 February, to reintroduce preferential status for any Crown creditor takes into account lost Government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC, and any consequential loss to the economy resulting other taxpayers themselves becoming insolvent due to an increased burden of bad debt; and what assessment, if any, they have made of the impact of that change on lending.
tabling member printed	Baroness Hayter of Kentish Town
uin	HL15666
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The ‘Protecting your taxes in insolvency’ proposals take into account lost government revenue resulting from other taxpayers suffering additional bad debts due to the priority payment of HMRC.</p><p> </p><p>Lending against fixed assets will not be impacted by this measure, but lending against floating assets will be impacted, as HMRC will move above secured creditors with floating charges in insolvencies.</p><p> </p><p>At Budget 2018, the independent OBR chose not to make any adjustments to their economic forecast in response to this measure.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:22:56 answering member 57 label Biography information for Lord Young of Cookham
tabling member	4159 label Biography information for Baroness Hayter of Kentish Town

1126332

registered interest
date	13/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banking Hubs: Competition
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have, if any, to update competition law to allow for shared banking hubs in areas where local bank branches have been closed.
tabling member printed	Lord Taylor of Warwick
uin	HL15692
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Branch closures can be difficult for the communities affected and the Government pays close attention to this issue. However, the decision to close a branch is a commercial one for a firm, and Government does not intervene in those decisions.</p><p> </p><p>However, the Government is equally clear that as banking providers seek to respond to technological advances and changes in customer behaviour, they must also consider carefully the needs of those who still rely on their local bank branch. Since May 2017, the major high street banks have been signed up to the Access to Banking Standard, which commits them to work with customers and communities to minimise the impact of branch closures and put in place alternative banking services.</p><p> </p><p>The Government also supports the Post Office Banking Framework Agreement which enables 99% of the UK’s personal and 95% of the UK’s small business customers to withdraw money, deposit cash and cheques and check balances at any one of the Post Office’s network of 11,500 branches.</p><p> </p><p> </p><p>While banks do have to comply with competition law, there is no specific regulation that prevents banks from sharing branches or other premises where their strategies align. The Government therefore has no plans to update competition law on this basis. Government does not intervene in these commercial decisions, but will continue to encourage banks to think creatively about how they can ensure that consumers can access a wide range of banking services on a sustainable basis. For example, NatWest, Lloyds Bank and Barclays are trialling shared business banking hubs in 6 locations across the UK in the coming weeks.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:37:43 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1796 label Biography information for Lord Taylor of Warwick

1125495

registered interest
date	08/05/2019
answering body	Home Office
answering dept id	1
answering dept short name	Home Office
answering dept sort name	Home Office
hansard heading	Immigration Controls: France
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether, in cooperation with the government of France, they will seek to widen the terms of reference of the Joint Coordination and Information Centre from exclusive concern with national security and criminality to include the well-being of displaced people sleeping in northern France and the restriction of violent and brutal police behaviour.
tabling member printed	Lord Hylton
uin	HL15590
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The opening of the Joint Centre for Information and Coordination (CCIC) forms part of the commitments of the Sandhurst Treaty, signed by the Prime Minister and President Macron in January 2018. The Sandhurst Treaty is a bilateral agreement between the UK and France which reinforces the commitment of both sides to work together on border security issues.</p><p>Under the CCIC, Border Force work closely alongside Police Aux Frontieres in a 24/7 operation to:</p><ul><li>Assist with preventing illegal attempts to cross the shared border</li><li>Facilitate the circulation of information between UK and French agencies to combat cross-border criminality</li><li>Work on the prevention of threats to public order on cross-border infrastructure</li><li>Provide analysis of cross-channel traffic flows</li></ul><p>The CCIC also helps with the identification, prosecution and dismantling of criminal gangs involved in people smuggling and wider cross border crime.</p><p>There are currently no plans to widen the remit and responsibilities of the CCIC, however its performance and remit are regularly reviewed.</p> answering member printed Baroness Williams of Trafford question first answered 22/05/2019 16:22:30 answering member 4311 label Biography information for Baroness Williams of Trafford
tabling member	2018 label Biography information for Lord Hylton

1125497

registered interest
date	08/05/2019
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Electric Vehicles: Charging Points
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they intend to introduce legislation that requires all electricity used at charging points for electric vehicles to be from renewable sources.
tabling member printed	Baroness Jones of Moulsecoomb
uin	HL15592
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>We want an increasing proportion of the electricity used at electric vehicle charging points to be from renewable and low carbon sources. We are taking steps to facilitate this by cleaning up the UK’s power generation and increasing the amount of renewable generation and ensuring electric vehicles play a helpful role in our future smart and flexible energy system.</p><p> </p><p>The Clean Growth Strategy sets out steps the Government is taking to further decarbonise the power sector and the wider economy. Between now and 2050, the Government projects electricity grid emissions will continue to fall with increasing levels of low carbon and distributed renewable generation. To enable these changes in generation, the system is adapting to become more flexible and smarter in order to better manage the new flows in power. Electric vehicles have an important role to play in this transition – offering new opportunities for consumers and the power system. Smart charging will allow charging to happen at times when more renewable energy is available. The department plans to consult on smart chargepoint requirements shortly.</p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 22/05/2019 16:53:08 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	4297 label Biography information for Baroness Jones of Moulsecoomb

1125518

registered interest
date	08/05/2019
answering body	Department for International Trade
answering dept id	202
answering dept short name	International Trade
answering dept sort name	International Trade
hansard heading	Overseas Trade: Germany
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to develop the UK’s post-Brexit trading relationship with Germany.
tabling member printed	Lord Taylor of Warwick
uin	HL15613
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Germany accounts for 10.2% of total UK trade and remains a crucial market for UK goods and services. Total trade in goods and services between the UK and Germany amounted to £132.7 billion in 2018.</p><p> </p><p>In August 2018, my Rt Hon. Friend the Secretary of State for International Trade launched the Export Strategy, through which the Government plans to increase UK total exports as a proportion of GDP to 35% and make Britain a 21st century exporting superpower. Germany will be a priority market for this strategy. We will also continue to promote the UK as a bilateral trading partner, reassuring German businesses that the UK remains open for business and remains an advocate for free trade and open markets.</p> answering member printed Viscount Younger of Leckie question first answered 22/05/2019 16:23:42 answering member 4169 label Biography information for Viscount Younger of Leckie
tabling member	1796 label Biography information for Lord Taylor of Warwick