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808796

registered interest
date	18/12/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Fees and Charges
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 effect of the proposal by the LINK network of AGM providers to reduce interchange fees on (a) consumers, (b) small business and (c) high streets and (d) access to cash for customers; whether his Department has made an assessment of the combined effect of that proposal with a reduction in the availability of banks on (i) consumers and (ii) businesses; and what progress has been made on the commitment he gave in his evidence to the House of Lords Exclusion Committee on engaging with the LINK network and its members to ensure that widespread free access to cash is maintained.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	119905
answer	answer is ministerial correction date of answer 21/12/2017 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK, and will continue to work with industry to ensure that this access continues. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p> </p><p>The Government has not made any formal assessment of the potential effect of LINK’s proposals to reduce interchange fees in isolation, or in combination with bank branch closures. However, the Payment Systems Regulator (PSR), which Government set up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes may have on ATM provision. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>The Government is engaging regularly with LINK and its members, and they have assured us that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intend to bolster their Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and have recently also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM. The Government expects this additional commitment to be of particular benefit to rural areas.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 119978 120174 question first answered 21/12/2017 11:53:32 answering member 4095 label Biography information for Steve Barclay
tabling member	4061 label Biography information for Bill Esterson

802701

registered interest
date	07/12/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Royal Bank of Scotland: Small Businesses
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 accuracy of reports that the minutes of the Financial Conduct Authority state that it could face legal action if it published the full section 166 report into RBS' treatment of SMEs.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	118250
answer	answer is ministerial correction date of answer 12/12/2017 answer text <p>The handling of the section 166 Report into Royal Bank of Scotland’s treatment of SME customers transferred to GRG is a matter for the Financial Conduct Authority. The FCA has stated that conducting section 166 reports on the basis that they will not be published supports their effective use as an important supervisory tool.</p><p> </p><p>The FCA has published a detailed summary of the main findings from the skilled persons report. The FCA announced it is investigating the matters arising from the report and focussing on whether there is any basis for it to take further action. It would not be appropriate for the government to comment further whilst this process is ongoing.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 12/12/2017 14:37:33 answering member 4095 label Biography information for Steve Barclay
tabling member	4061 label Biography information for Bill Esterson

797696

registered interest
date	29/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Business Premises: Valuation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 27 November 2017 to Question 115208 on business premises: valuation, what plans he has to change the amount charged by the Valuation Office Agency to revalue properties for business rates purposes.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	116659
answer	answer is ministerial correction date of answer 04/12/2017 answer text <p>The Valuation Office Agency does not charge ratepayers for undertaking property valuations and has no plans to do so.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 04/12/2017 16:16:33 answering member 3935 label Biography information for Mel Stride
tabling member	4061 label Biography information for Bill Esterson

795466

registered interest
date	27/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Small Businesses: Tax Collection
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he has plans for Making Tax Digital to be mandatory for businesses below the VAT threshold; and if he will make statement.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	115887
answer	answer is ministerial correction date of answer 30/11/2017 answer text <p>I refer the Honourable member to 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-statement/Commons/2017-07-13/HCWS47/" target="_blank">http://www.parliament.uk/business/publications/written-questions-answers-statements/written-statement/Commons/2017-07-13/HCWS47/</a></p> answering member constituency Central Devon answering member printed Mel Stride question first answered 30/11/2017 11:07:50 answering member 3935 label Biography information for Mel Stride
tabling member	4061 label Biography information for Bill Esterson

794120

registered interest
date	22/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Non-domestic Rates: Valuation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, with reference to his oral contribution of 22 November 2017, what plans he has for businesses to take responsibility for the revaluation of their own premises.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	115208
answer	answer is ministerial correction date of answer 27/11/2017 answer text <p>Autumn Budget 2017 announced that the Valuation Office Agency (VOA) would revalue properties for business rates purposes every three years, instead of every five, following the next revaluation (currently due in 2022).</p><p> </p><p>To enable the VOA to deliver more frequent revaluations, ratepayers will need to provide information regularly on who is responsible for business rates and property characteristics including use and rent. The Government will consult on the detail in due course.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 27/11/2017 17:28:49 answering member 3935 label Biography information for Mel Stride
tabling member	4061 label Biography information for Bill Esterson

789977

registered interest
date	15/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Business: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 14 November 2017 to Question 111703, what representations he has received from business organisations on extending the regulatory perimeter for business lending.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	113373
answer	answer is ministerial correction date of answer 21/11/2017 answer text <p>I refer the Hon. Member to the answer given on 15 November 2017 to Question 112353.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 21/11/2017 14:13:39 answering member 4095 label Biography information for Steve Barclay
tabling member	4061 label Biography information for Bill Esterson

789228

registered interest
date	14/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Charities: Taxation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 13 November 2017 to Question 112174, on charities: VAT, what recent representations he has received from (a) business and (b) charity organisations on exempting trading subsidiaries of charities from the Government's Making Tax Digital scheme.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	113140
answer	answer is ministerial correction date of answer 21/11/2017 answer text <p>The 2016 consultation on Making Tax Digital examined whether exempting trading subsidiaries of charities from Making Tax Digital was appropriate. Responses were divided with many respondents arguing that charities who are trading should be treated in the same way as any other trading company.</p><p> </p><p>Further information in the consultation document (page 52) and consultation response document (page 44) can be found here:</p><p><a href="https://www.gov.uk/government/consultations/making-tax-digital-bringing-business-tax-into-the-digital-age" target="_blank">https://www.gov.uk/government/consultations/making-tax-digital-bringing-business-tax-into-the-digital-age</a></p> answering member constituency Central Devon answering member printed Mel Stride question first answered 21/11/2017 17:13:02 answering member 3935 label Biography information for Mel Stride
tabling member	4061 label Biography information for Bill Esterson

789229

registered interest
date	14/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Royal Bank of Scotland: Small Businesses
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 13 November 2017 to Question 111358, on the Royal Bank of Scotland: small businesses, what representations he has received from business organisations on the date for publication of the further report of the Financial Conduct Authority on Royal Bank of Scotland's treatment of small and medium-sized enterprises.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	113141
answer	answer is ministerial correction date of answer 20/11/2017 answer text <p>Treasury Ministers and officials communicate with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. The Financial Conduct Authority (FCA) has published an interim summary of the independent review of Royal Bank of Scotland’s treatment of small and medium-sized enterprise customers transferred to its Global Restructuring Group. The FCA announced it is investigating the matters arising from the review and focussing on whether there is any basis for it to take further action. It would not be appropriate for the Government to comment further whilst this process is ongoing.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/11/2017 15:31:20 answering member 4095 label Biography information for Steve Barclay
tabling member	4061 label Biography information for Bill Esterson

789230

registered interest
date	14/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Research and Development Expenditure Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 13 November 2017 to Question 111380, on small businesses: technology, what recent representations he has received from business organisations on the use of research development tax credits and the effectiveness of those tax credits in supporting business growth and job creation.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	113142
answer	answer is ministerial correction date of answer 21/11/2017 answer text <p>The government regularly receives representations from a wide variety of businesses and business groups on Research and Development (R&amp;D) tax credits. In particular, the government engaged with many organisations to inform the recent review of the R&amp;D tax environment. At Spring Budget 2017, the government announced that this review had found R&amp;D tax credits to be an effective and internationally competitive element of the government's support for innovative businesses.</p><p> </p> answering member constituency Central Devon answering member printed Mel Stride question first answered 21/11/2017 17:10:50 answering member 3935 label Biography information for Mel Stride
tabling member	4061 label Biography information for Bill Esterson

789231

registered interest
date	14/11/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Bank Services: Small Businesses
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 13 November 2017 to Question 111345, on bank services: small businesses, what representations he has received from business organisations on the (a) accessibility of full banking services for small and medium-sized enterprises when their bank branch closes and (b) suitability of the Post Office counter network for business banking.
tabling member constituency	Sefton Central
tabling member printed	Bill Esterson
uin	113143
answer	answer is ministerial correction date of answer 20/11/2017 answer text <p>Treasury Ministers and officials receive representations from a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery.</p><p> </p><p>The Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. Government will have provided nearly £2 billion during the period 2011 to 2018 to maintain and modernise the Post Office network.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 20/11/2017 15:32:47 answering member 4095 label Biography information for Steve Barclay
tabling member	4061 label Biography information for Bill Esterson