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173160

registered interest
date	12/01/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what representations he has made to the Financial Policy Committee of the Bank of England and the Financial Conduct Authority on problems faced by mortgage holders wishing to port their mortgage.
tabling member constituency	Carmarthen East and Dinefwr
tabling member printed	Jonathan Edwards
uin	220400
answer	answer is ministerial correction date of answer 19/01/2015 answer text <p>The new mortgage regulations are the responsibility of the independent Financial Conduct Authority, who are engaging with industry to ensure a common sense approach to their new rules. Treasury officials are in regular contact with counterparts at the Bank of England and the Financial Conduct Authority on a wide range of mortgage issues.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 19/01/2015 17:42:51 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3943 label Biography information for Jonathan Edwards

168847

registered interest
date	09/12/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will instruct the Financial Conduct Authority to take further steps to encourage mortgage providers to make mortgage cost information provided to customers more transparent.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	217793
answer	answer is ministerial correction date of answer 16/12/2014 answer text <p>The Government has asked the Council of Mortgage Lenders (CML) to work with Which? to improve the transparency of mortgage fees, including switching costs, and make it easier for borrowers to choose the best mortgage deals.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) is also considering whether there is more that can be done in this area to support good decision-making by consumers.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 217794 question first answered 16/12/2014 15:57:22 answering member 4117 label Biography information for Andrea Leadsom
tabling member	298 label Biography information for Steve McCabe

168848

registered interest
date	09/12/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the Financial Conduct Authority on banks' policies of transferring the costs incurred when switching mortgages to the customer.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	217794
answer	answer is ministerial correction date of answer 16/12/2014 answer text <p>The Government has asked the Council of Mortgage Lenders (CML) to work with Which? to improve the transparency of mortgage fees, including switching costs, and make it easier for borrowers to choose the best mortgage deals.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) is also considering whether there is more that can be done in this area to support good decision-making by consumers.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 217793 question first answered 16/12/2014 15:57:22 answering member 4117 label Biography information for Andrea Leadsom
tabling member	298 label Biography information for Steve McCabe

167695

registered interest
date	03/12/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will make representations at EU level to prevent an EU Mortgage Credit Directive from (a) significantly altering current regulatory practice in the UK and (b) increasing costs and administration for businesses and consumers.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	217072
answer	answer is ministerial correction date of answer 10/12/2014 answer text <p><strong>The UK already has a robust regulatory regime to protect consumers in the UK mortgage market.</strong></p><p><strong> </strong></p><p><strong>Throughout the negotiation of the Mortgage Credit Directive (MCD), the UK focused on aligning its requirements as far as possible with the existing UK regulations, with a view to minimising the impact on UK industry and consumers.</strong></p><p><strong> </strong></p><p><strong>The Government’s proposed approach to the implementation of the MCD, as with the negotiations, is to minimise the impact on the UK market. For this reason the Government is proposing to build on the existing UK regulatory regime in our transposition of the MCD, rather than copy out the Directive into UK legislation.</strong></p><p><strong> </strong></p><p> </p><p><strong>This approach is set out in more detail in the Government’s consultation on the Implementation of the EU MCD, which closed on 31 October. A summary of responses to the consultation will be published in due course.</strong></p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 10/12/2014 17:55:54 answering member 4117 label Biography information for Andrea Leadsom
tabling member	1388 label Biography information for Lord Dodds of Duncairn

142105

registered interest
date	06/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
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 improve transparency of mortgage fees and charges.
tabling member constituency	Birkenhead
tabling member printed	Mr Frank Field
uin	213716
answer	answer is ministerial correction date of answer 13/11/2014 answer text <p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it thinks are needed to promote consumer protection, transparency and competition, including with respect to mortgage fees and charges.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 13/11/2014 14:49:17 answering member 4117 label Biography information for Andrea Leadsom
tabling member	478 label Biography information for Lord Field of Birkenhead

142114

registered interest
date	06/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of the transparency of mortgage pricing; and if he will make a statement.
tabling member constituency	Wycombe
tabling member printed	Steve Baker
uin	213670
answer	answer is ministerial correction date of answer 13/11/2014 answer text <p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it thinks are needed to promote consumer protection, transparency and competition, including with respect to the transparency of mortgage pricing.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 13/11/2014 14:42:02 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4064 label Biography information for Mr Steve Baker

114609

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the Financial Conduct Authority (a) on the clarity of and (b) improving competition in the mortgage market.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213568
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213569 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

114610

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what representations he has received about the clarity of fees and charges and ease of comparison in the mortgage market.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213569
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

114616

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the mortgage industry and consumer groups about making price comparison easier for consumers.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213585
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213569 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

77864

registered interest
date	15/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Mortgages
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 reduce the bureaucracy required to apply for a new mortgage.
tabling member constituency	High Peak
tabling member printed	Andrew Bingham
uin	205997
answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Financial Conduct Authority (FCA) has recently put in place new regulations for mortgages in the UK, known as the ‘Mortgage Market Review’ (MMR). The MMR is a matter for the FCA, whose day-to-day operations are independent from government control and influence.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:11:37 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3994 label Biography information for Andrew Bingham