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99710

registered interest
date	17/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Loans
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 potential merits of introducing real-time credit checking for lenders.
tabling member constituency	North Swindon
tabling member printed	Justin Tomlinson
uin	210986
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>Credit data sharing is key to allowing lenders to make proper affordability assessments and promoting a competitive market. Having access to comprehensive data about their customers’ outstanding commitments may help lenders avoid making loans to customers who cannot afford to repay them.</p><p> </p><p> </p><p> </p><p>Since 1 April 2014, credit reference agencies (CRAs) are regulated for their consumer credit activities by the Financial Conduct Authority (FCA).</p><p> </p><p> </p><p> </p><p>The Government has made clear to payday lenders and CRAs that they must identify and remove any blockages involving real-time data sharing between payday lenders as a matter of urgency. The FCA has committed to prioritising improvements in this area, and has said it expects to see over 90% of payday firms participating in real-time data sharing and over 90% of loans being reported in real time by this November.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/10/2014 15:26:40 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4105 label Biography information for Justin Tomlinson

99711

registered interest
date	17/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 26 September 2014 to Questions 208670, 208671, 208672 and 208673, what assessment he has made of HM Revenue and Customs' performance against each such operational target in 2013-14.
tabling member constituency	Newcastle upon Tyne North
tabling member printed	Catherine McKinnell
uin	210973
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>The National Audit Office (NAO) works on behalf of Parliament and the taxpayer to hold government to account for the use of public money and to help public services improve performance.</p><p> </p><p> </p><p> </p><p>The latest information on HMRC’s performance against operational targets was published in June 2013 in the NAO Report ‘Progress in tackling tobacco smuggling’</p><p> </p><p>http://www.nao.org.uk/report/progress-in-tackling-tobacco-smuggling/</p><p> </p><p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 22/10/2014 15:53:36 answering member 4066 label Biography information for Priti Patel
tabling member	4125 label Biography information for Catherine McKinnell

93753

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Business: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assistance the Government provides to enable a person to remain in a home against which a bank loan for a business has been secured when they have defaulted on that loan.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210909
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>UK borrowers taking out a business loan secured on their home have a number of protections available to them.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) has responsibility for the regulation of mortgages secured by a first charge against a borrower’s home, regardless of the purpose of that loan. These regulations include consumer protections to ensure that repossession is only used as a last resort.</p><p> </p><p> </p><p> </p><p>Where borrowers are taking out a second charge loan of £25,000 or less for a business purpose they are also protected under the FCA’s regulatory regime for consumer credit. The Government is currently consulting on the transfer of the regulation of second charge mortgages to the same regime as first charge mortgages.</p><p> </p><p> </p><p> </p><p>In addition, all borrowers are provided protection in the Courts, through the use of the Mortgage Pre-Action Protocol, which requires a Court to ensure that the lender has taken all reasonable steps to resolve the borrower’s payment difficulties before granting a possession order.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/10/2014 15:31:52 answering member 4117 label Biography information for Andrea Leadsom
tabling member	410 label Biography information for Jon Trickett

93754

registered interest
date	16/10/2014
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, what reports he has received of problems experienced by hon. Members using the dedicated MP tax credit hotline; and if he will make a statement.
tabling member constituency	Cardiff South and Penarth
tabling member printed	Stephen Doughty
uin	210921
answer	answer is ministerial correction date of answer 21/10/2014 answer text <p>HM Revenue &amp; Customs (HMRC) acknowledges that there have been some recent telephony issues which have affected the service provided via their dedicated MP Hotline. HMRC have taken steps to resolve the issue and the MP Hotline facility is now fully operational.</p><p> </p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 21/10/2014 16:47:53 answering member 1529 label Biography information for Mr David Gauke
tabling member	4264 label Biography information for Stephen Doughty

93755

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Income Tax: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether the Pensions Technical Group and Income Tax Technical Group established to examine issues arising from the introduction of a Scottish rate of income tax have completed their work.
tabling member constituency	Glasgow East
tabling member printed	Margaret Curran
uin	210913
answer	answer is ministerial correction date of answer 21/10/2014 answer text <p>The advisory groups set up by HM Revenue and Customs (HMRC) to examine issues from the introduction of the Scottish rate of income tax have completed their work. The Government’s proposals for the detailed consequential changes needed to implement the Scottish Rate of Income Tax were set out in the Technical Note published by HMRC in May 2012. In December 2013 HMRC announced arrangements to ensure that from 2016 Scottish taxpayers will receive the appropriate tax relief on their pension contributions to relief at source schemes.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 21/10/2014 16:46:03 answering member 1529 label Biography information for Mr David Gauke
tabling member	3982 label Biography information for Margaret Curran

93756

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Taxation: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many requests the Scottish Government has made using the powers of Part 3 of the Scotland Act 2012 for the addition of new devolved taxes.
tabling member constituency	Glasgow East
tabling member printed	Margaret Curran
uin	210914
answer	answer is ministerial correction date of answer 21/10/2014 answer text <p>The Scottish Government has not made any requests to create new devolved taxes under this power.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 21/10/2014 16:51:15 answering member 1529 label Biography information for Mr David Gauke
tabling member	3982 label Biography information for Margaret Curran

93757

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Income Tax: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many officials in his Department are working on the Scottish rate of income tax project.
tabling member constituency	Glasgow East
tabling member printed	Margaret Curran
uin	210915
answer	answer is ministerial correction date of answer 21/10/2014 answer text <p>I refer the hon member to the answer that I gave her on 13 June 2013 (OR,WA, COL: 390W).</p><p> </p><p> </p><p><a href="http://www.publications.parliament.uk/pa/cm201314/cmhansrd/cm130613/text/130613w0001.htm#13061354000143" target="_blank">http://www.publications.parliament.uk/pa/cm201314/cmhansrd/cm130613/text/130613w0001.htm#13061354000143</a></p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 21/10/2014 10:01:23 answering member 1529 label Biography information for Mr David Gauke
tabling member	3982 label Biography information for Margaret Curran

93758

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debt Collection
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will require HM Revenue and Customs to pause debt recovery action when a case has been accepted for investigation by the Adjudicator's Office and is awaiting a decision.
tabling member constituency	Bedford
tabling member printed	Richard Fuller
uin	210848
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>HMRC have no plans to change its current policy of treating each case on its merits. Where HMRC believe the debt should be paid they will ask the customer to make payment, and ultimately take recovery action, while the Adjudicator is investigating the complaint.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 22/10/2014 15:28:05 answering member 1529 label Biography information for Mr David Gauke
tabling member	3912 label Biography information for Richard Fuller

93759

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aviation: Northern Ireland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the potential effect on Northern Ireland of the operation of the Regional Air Connectivity Fund.
tabling member constituency	East Antrim
tabling member printed	Sammy Wilson
uin	210874
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>Airports across the UK play an important role in securing connectivity for local populations and contribute to local, regional and national economies. The aviation sector’s economic output to the whole UK economy in 2011 was approximately £18 billion, and it employs around 220,000 workers directly and supports many more indirectly. The Government has not made an assessment of the potential effects on Northern Ireland of the operation of the Regional Air Connectivity Fund. Airports in Northern Ireland will be able to apply for support from the Fund if they meet the qualifying criteria.</p><p> </p> answering member constituency Inverness, Nairn, Badenoch and Strathspey answering member printed Danny Alexander question first answered 22/10/2014 15:44:00 answering member 1535 label Biography information for Danny Alexander
tabling member	1593 label Biography information for Sammy Wilson

93455

registered interest
date	15/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps his Department plans to take to encourage long-term and sustainable growth in the finance sector.
tabling member constituency	St Austell and Newquay
tabling member printed	Stephen Gilbert
uin	210735
answer	answer is ministerial correction date of answer 21/10/2014 answer text <p>The Government understands the importance of having a growing but stable finance sector. Since the financial crisis the Government has, domestically and with EU and international partners, implemented an unprecedented range of regulatory reforms to improve the safety and resilience of the financial sector. The Government will continue to promote long-term and sustainable growth domestically and with EU and international partners, including in the finance sector. In addition, the Government will continue efforts through the Financial Services Trade and Investment Board, a strategic body chaired by HM Treasury, to attract inward investment, promote external trade and encourage the growth of the UK’s financial services sector.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 21/10/2014 09:07:59 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4101 label Biography information for Stephen Gilbert