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751685

registered interest
date	13/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Foreign Exchange
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 5 July 2017 to Question 2292, from the hon. Member for Edinburgh South, whether he plans to publish the results of the research on foreign exchange (a) separately from the Government's response to the consultation, (b) in conjunction with the Government's response to the consultation or (c) not at all; if he will bring forward amendments to the draft Payment Services Regulations as a direct result of those findings; and if he will make a statement.
tabling member constituency	Linlithgow and East Falkirk
tabling member printed	Martyn Day
uin	4869
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>In my answer of 5 July I stated that the Government was conducting research on the effects of transparency in overseas money transfers (involving foreign exchange) on consumer decisions. This research helped to inform the Government’s response to the consultation on the implementation of the second Payment Services Directive (PSDII), which was published on 19 July 2017.</p><p> </p><p>The Government’s response to the consultation explains that, as the second Payment Services Directive is a maximum harmonising Directive, the Government has limited flexibility as to how far we can go beyond its explicit requirements. Although the Government could see some benefit in requiring firms to display the difference between the exchange rate they offer and the interbank exchange rate, it is clear that including such a requirement in PSDII would be gold-plating, and the Government has therefore decided not to do so.</p><p>The Government does not intend to publish the research at this point in time as it relates to the formulation and development of ongoing Government policy.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/07/2017 14:29:01 answering member 4095 label Biography information for Steve Barclay
tabling member	4488 label Biography information for Martyn Day

751686

registered interest
date	13/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Bank Services
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 banks on dedicated support for customers who are disabled or have a long-term health condition, a mental health condition or cancer.
tabling member constituency	North Swindon
tabling member printed	Justin Tomlinson
uin	4829
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>Treasury Ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: <a href="https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel" target="_blank">https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel</a></p><p> </p><p> </p><p> </p><p>UK banks’ and building societies’ treatment of their customers is governed by the Financial Conduct Authority (FCA) in its Principles for Businesses and includes a general requirement for firms to provide a prompt, efficient and fair service to all of their customers.</p><p> </p><p> </p><p> </p><p>The House of Lords Select Committee on Financial Exclusion raised a number of issues affecting vulnerable customers in their recent report: <em>Tackling financial exclusion: a country that works for everyone? </em>The Government will respond to that report in due course.</p><p> </p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/07/2017 14:12:04 answering member 4095 label Biography information for Steve Barclay
tabling member	4105 label Biography information for Justin Tomlinson

751690

registered interest
date	13/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Non-domestic Rates: Appeals
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what complaints he has received on the new system for contesting Business Rate Appeals; and what steps he has taken in response to those complaints.
tabling member constituency	Warley
tabling member printed	John Spellar
uin	4956
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>The new business rates appeals system, Check, Challenge, Appeal came into effect on 1 April 2017. A new system was required because the previous system was broken. Appeals were made with little or no evidence and more than 70% of appeals resulted in no change.</p><p> </p><p>The Check and Challenge service has been delivered by the Valuation Office Agency as a public beta service, meaning that the system is still being improved. The Valuation Office Agency is actively monitoring the service to identify and address any technical issues in the digital system which affect the customer experience. There have been some complaints about technical faults and lack of functionality in relation to the new service, which are being addressed.</p><p> </p><p>The service is now working normally and work delayed through these issues is being cleared. Thousands of people have used the system and both Checks and Challenges are being made. I have been assured by the Valuation Office Agency that enhanced functionality and additional features for the service will be released throughout this financial year.</p><p> </p><p>Regarding the effectiveness and value for money of the online service, it is expected that the new way of working will provide longer-term value for money as issues are dealt with earlier in the process and there is reduced incentive for speculative appeals.</p><p> </p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 4957 question first answered 20/07/2017 13:46:44 answering member 3935 label Biography information for Mel Stride
tabling member	318 label Biography information for John Spellar

751691

registered interest
date	13/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Valuation Office Agency: Internet
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 (a) effectiveness and (b) value-for-money of the operation of the Valuation Office Agency website.
tabling member constituency	Warley
tabling member printed	John Spellar
uin	4957
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>The new business rates appeals system, Check, Challenge, Appeal came into effect on 1 April 2017. A new system was required because the previous system was broken. Appeals were made with little or no evidence and more than 70% of appeals resulted in no change.</p><p> </p><p>The Check and Challenge service has been delivered by the Valuation Office Agency as a public beta service, meaning that the system is still being improved. The Valuation Office Agency is actively monitoring the service to identify and address any technical issues in the digital system which affect the customer experience. There have been some complaints about technical faults and lack of functionality in relation to the new service, which are being addressed.</p><p> </p><p>The service is now working normally and work delayed through these issues is being cleared. Thousands of people have used the system and both Checks and Challenges are being made. I have been assured by the Valuation Office Agency that enhanced functionality and additional features for the service will be released throughout this financial year.</p><p> </p><p>Regarding the effectiveness and value for money of the online service, it is expected that the new way of working will provide longer-term value for money as issues are dealt with earlier in the process and there is reduced incentive for speculative appeals.</p><p> </p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 4956 question first answered 20/07/2017 13:46:44 answering member 3935 label Biography information for Mel Stride
tabling member	318 label Biography information for John Spellar

751208

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Minimum Wage: Wales
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the number of employers in Wales who were successfully prosecuted for paying less than the minimum wage in each year for which data is available.
tabling member constituency	Vale of Clwyd
tabling member printed	Chris Ruane
uin	4482
answer	answer is ministerial correction date of answer 19/07/2017 answer text <p>The Government is determined that everyone who is entitled to the National Minimum Wage (NMW) and National Living Wage (NLW) receives it. Anyone who feels they have been underpaid NMW or NLW should contact the Acas helpline on 0300 123 1100. HM Revenue and Customs (HMRC) review all complaints that are referred to them.</p><p> </p><p>HMRC does not record statistics on complaints or investigations by reference to countries of the United Kingdom, Government regions, constituencies or counties. Since 1999, when NMW enforcement began, HMRC has identified over 25,500 employers with total NMW arrears of almost £79 million. Last year (2016/17) HMRC identified over 1,100 employers with total NMW arrears of over £10.9 million.</p><p> </p><p>HMRC cannot comment on the affairs of individual taxpayers, as it has a duty to maintain taxpayer confidentiality. However, the Department for Business for Energy and Industrial Strategy (BEIS) run a naming scheme for employers who are found to have underpaid NMW. You can find more information at: <a href="https://www.gov.uk/government/publications/enforcing-national-minimum-wage-law" target="_blank">https://www.gov.uk/government/publications/enforcing-national-minimum-wage-law</a></p><p> </p><p>I refer the honourable member to the answer provided on 18<sup>th</sup> July 2016, at UIN 42723, for information on prosecution results.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 4274 question first answered 19/07/2017 15:03:56 answering member 3935 label Biography information for Mel Stride
tabling member	534 label Biography information for Chris Ruane

751210

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Treasury: Buildings
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will list all of his Department's premises in the UK by region and nation which have over 10 personnel.
tabling member constituency	Dundee East
tabling member printed	Stewart Hosie
uin	4481
answer	answer is ministerial correction date of answer 19/07/2017 answer text <p>HM Treasury has over 10 personnel located at two locations in the UK, they are:</p><p> </p><p>1 Horse Guards Road</p><p>London</p><p>SW1A 2HQ</p><p> </p><p>Rosebery Court</p><p>St Andrews Business Park</p><p>Norwich</p><p>NR7 OHS</p><p> </p> answering member constituency Harrogate and Knaresborough answering member printed Andrew Jones question first answered 19/07/2017 14:50:38 answering member 3996 label Biography information for Andrew Jones
tabling member	1514 label Biography information for Stewart Hosie

751211

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if the Government will introduce a requirement on the Financial Conduct Authority to set out a reasonable duty of care for financial services providers to exercise towards their customers.
tabling member constituency	Inverclyde
tabling member printed	Ronnie Cowan
uin	4474
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>The government recognises that there are different views on the merits of introducing a duty of care for financial services providers. The government welcomes the Financial Conduct Authority’s commitment to publish a discussion paper to explore the issue of duty of care, as part of the planned review of their Handbook described in their Mission document published in April.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/07/2017 14:13:04 answering member 4095 label Biography information for Steve Barclay
tabling member	4465 label Biography information for Ronnie Cowan

751213

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pay
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department has commissioned research into the effect of wage stagnation on household incomes throughout the UK.
tabling member constituency	Airdrie and Shotts
tabling member printed	Neil Gray
uin	4472
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>The Office for National Statistics (ONS) estimate that total pay increased by 1.8% on the year in the three months to May. In their Spring Budget Forecast, the Office for Budget Responsibility (OBR) also expected wages to increase in each year of their forecast.</p><p> </p><p>The Government is taking action to support incomes. This includes increasing the National Living Wage, raising the personal allowance and freezing fuel duty.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/07/2017 14:30:48 answering member 4095 label Biography information for Steve Barclay
tabling member	4365 label Biography information for Neil Gray

751214

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Taxation: Electronic Government
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assistance will be provided to businesses transitioning to Making Tax Digital.
tabling member constituency	Airdrie and Shotts
tabling member printed	Neil Gray
uin	4473
answer	answer is ministerial correction date of answer 20/07/2017 answer text <p>Information on the Making Tax Digital (MTD) rollout was given in my written statement to the House on 13 July which is available here.</p><p><a href="http://www.parliament.uk/business/publications/written-questions-answers-statements/written-statements/?page=1&amp;max=20&amp;questiontype=AllQuestions&amp;house=commons%2clords&amp;use-dates=True&amp;answered-from=2017-07-13&amp;answered-to=2017-07-13&amp;dept=14&amp;uin=HCWS47" target="_blank">http://www.parliament.uk/business/publications/written-questions-answers-statements/written-statements/?page=1&amp;max=20&amp;questiontype=AllQuestions&amp;house=commons%2clords&amp;use-dates=True&amp;answered-from=2017-07-13&amp;answered-to=2017-07-13&amp;dept=14&amp;uin=HCWS47</a></p><p> </p><p> </p><p>Businesses who require help to transition to MTD will be able to access the full range of support that HMRC provides to its customers to help them engage digitally.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 20/07/2017 14:05:00 answering member 3935 label Biography information for Mel Stride
tabling member	4365 label Biography information for Neil Gray

751218

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Inflation: Low Incomes
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department has commissioned research into the effect of inflation on low-income households.
tabling member constituency	Airdrie and Shotts
tabling member printed	Neil Gray
uin	4471
answer	answer is ministerial correction date of answer 18/07/2017 answer text <p>The Office for Budget Responsibility (OBR) expect inflation to average 2.4% over 2017 and 2.3% over 2018. Their forecast was reflected in HMT’s distributional analysis published alongside Spring Budget 2017, which illustrates how changes to tax, welfare, and spending policy impact upon households of different incomes.</p><p> </p><p>The Government is taking action to support the lowest income households. This includes increasing the National Living Wage, raising the personal allowance, and freezing fuel duty.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 18/07/2017 11:45:13 answering member 4095 label Biography information for Steve Barclay
tabling member	4365 label Biography information for Neil Gray