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450693

registered interest
date	04/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Non-domestic Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether the planned business rate reforms announced in the 2015 Summer Budget have been amended.
tabling member constituency	Copeland
tabling member printed	Mr Jamie Reed
uin	25921
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>Autumn Statement 2015 confirmed that the business rates review will report at Budget 2016. The review will be fiscally neutral.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 09/02/2016 17:04:15 answering member 1529 label Biography information for Mr David Gauke
tabling member	1503 label Biography information for Mr Jamie Reed

450695

registered interest
date	04/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Stamp Duty Land Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department plans to put measures in place to provide that the proposed higher rate stamp duty land tax will not apply when a purchaser who owns more than one property is replacing a main residence.
tabling member constituency	Christchurch
tabling member printed	Mr Christopher Chope
uin	25907
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>The Government intends that a purchaser who is replacing a main residence (even if owning more than one property) will not be subject to the higher rates of SDLT on purchases of additional properties. A consultation has recently concluded on the higher rates and the final policy design will be confirmed at Budget 2016.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 09/02/2016 17:08:24 answering member 1529 label Biography information for Mr David Gauke
tabling member	242 label Biography information for Sir Christopher Chope

450703

registered interest
date	04/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Motor Insurance: Insurance Premium Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will make an assessment of the effect on motor insurance premiums of the recent increase in insurance premium tax.
tabling member constituency	Lincoln
tabling member printed	Karl McCartney
uin	26009
answer	answer is ministerial correction date of answer 10/02/2016 answer text <p>Insurers must pay IPT on the value of premiums received for general insurance. If insurers pass on the full rate increase to their customers, the impact on premiums would be an increase of only 3.5%.</p><p> </p><p>Tax forms only a small part of the cost of motor insurance. Other factors include competition, the volume of low value personal injury claims and fraud. The government has taken steps to crack down on the fraud and claims culture such as announcing at Autumn Statement 2015 proposals to end the right to cash compensation for minor whiplash injuries. The government expects the insurance industry to pass an average saving of £40 to £50 per motor insurance policy on to consumers.</p><p> </p><p>The government also encourages consumers to shop around for the most suitable cover at the best price.</p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 10/02/2016 12:30:54 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4028 label Biography information for Karl McCartney

449690

registered interest
date	02/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Shares: Sales
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government, further to the Written Answer by Lord O’Neill of Gatley on 27 January (HL4999), when the Financial Conduct Authority (FCA) last monitored or audited the procedures that require institutions explicitly to set out that they may lend shares on behalf of investors for the purpose of short selling; and what assessment they or the FCA have made of whether beneficial owners of shares are fully aware of the consequences to them of their shares being lent for short selling.
tabling member printed	Lord Vinson
uin	HL5772
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p><p> </p> answering member printed Lord O'Neill of Gatley question first answered 09/02/2016 16:03:15 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	1807 label Biography information for Lord Vinson

449135

registered interest
date	01/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Assets: North Korea
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government, further to the Written Answer by Lord O’Neill of Gatley on 26 January (HL4928), whether any assets linked to North Korean individuals or organisations that are not associated with the Democratic People’s Republic of Korea’s (DPRK) nuclear programmes are held in the UK; and what steps they are taking to freeze assets held by individuals or organisations that are not associated with the DPRK nuclear programme that they suspect to be linked to weapons proliferation, smuggling, money laundering, or human rights abuses in North Korea.
tabling member printed	Lord Alton of Liverpool
uin	HL5645
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>Existing UN and EU sanctions against North Korea, which include measures such as asset freezes, are based upon UN Security Council Resolutions prohibiting the further development of North Korea’s nuclear and ballistic missile programmes. Therefore, the current requirement to freeze funds or economic resources only occurs in circumstances where the funds and economic resources are controlled by the persons and entities designated by the Sanctions committee, the Security Council or the EU council as being engaged in North Korea’s nuclear-related, ballistic missile related, or other weapons of mass destruction-related programmes.</p><p> </p><p>The UK is currently discussing a response to the nuclear test of 6 January with key allies and partners. We want the response to be robust and send North Korea a clear signal that it must change its approach to international peace and security, We are also using our position as a member of the UN Human Rights Council (HRC) to discuss ways in which the international community can increase the pressure on North Korea to improve its appalling human rights record. North Korea will be discussed during the forthcoming March session of the HRC.</p><p> </p><p> </p> answering member printed Lord O'Neill of Gatley question first answered 09/02/2016 16:02:36 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	738 label Biography information for Lord Alton of Liverpool

449226

registered interest
date	01/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Tourism
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their estimate, as a percentage of gross domestic product, of the economic importance of tourism to (1) England, (2) Wales, and (3) Northern Ireland, in (a) 2014 and (b) 2015.
tabling member printed	Lord Fearn
uin	HL5736
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>The latest Quarterly National Accounts (ONS) show that net household expenditure on tourism was 0.5% of UK gross domestic product in 2014. The first estimate of 2015 net tourism will be published by the ONS 31st March 2016. The ONS do not publish a breakdown of net tourism by England, Wales and Northern Ireland.</p> answering member printed Lord O'Neill of Gatley question first answered 09/02/2016 16:01:41 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	488 label Biography information for Lord Fearn

448933

registered interest
date	29/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Lloyds Banking Group
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is the expected timetable for the Lloyds Banking Group share offer.
tabling member printed	Lord Kennedy of Southwark
uin	HL5644
answer	answer is ministerial correction date of answer 03/02/2016 answer text <p>The government is committed to creating a share owning democracy in Britain. The Lloyds Banking Group share offer will help build that by giving the general public the chance to have a greater stake in our economy and encouraging long-term share ownership.</p><p> </p><p>However, given ongoing events in financial markets, now is not the right time to sell shares to retail investors. We have always been clear that sales are dependent on market conditions and the timing of the offer will be kept under review in light of this.</p> answering member printed Lord O'Neill of Gatley question first answered 03/02/2016 16:42:17 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	4153 label Biography information for Lord Kennedy of Southwark

448789

registered interest
date	28/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Insurance: Misrepresentation
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 total amount of payment protection insurance payments made since 2010.
tabling member printed	Lord Darling of Roulanish
uin	HL5569
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>The most recent figures available from the FCA show that a total of £393.8m was paid in November 2015 to customers who complained about the way they were sold PPI. This takes the amount paid out since January 2011 to £22.2bn.</p><p> </p><p>The most recent analysis of the impact on GDP is the Office for Budget Responsibility’s 2012 Economic and Fiscal Outlook report, which stated that its economic growth forecast of 0.8% over 2 years would be mainly due to the impact of PPI fee repayments.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5570 question first answered 09/02/2016 16:01:01 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	596 label Biography information for Lord Darling of Roulanish

448790

registered interest
date	28/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Insurance: Misrepresentation
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 impact of payment protection insurance payments made since 2010 on UK gross domestic product.
tabling member printed	Lord Darling of Roulanish
uin	HL5570
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>The most recent figures available from the FCA show that a total of £393.8m was paid in November 2015 to customers who complained about the way they were sold PPI. This takes the amount paid out since January 2011 to £22.2bn.</p><p> </p><p>The most recent analysis of the impact on GDP is the Office for Budget Responsibility’s 2012 Economic and Fiscal Outlook report, which stated that its economic growth forecast of 0.8% over 2 years would be mainly due to the impact of PPI fee repayments.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5569 question first answered 09/02/2016 16:01:01 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	596 label Biography information for Lord Darling of Roulanish

448805

registered interest
date	28/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Services: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what steps they have taken towards establishing a UK-wide financial advice service.
tabling member printed	Lord Kirkwood of Kirkhope
uin	HL5585
answer	answer is ministerial correction date of answer 09/02/2016 answer text <p>The government set up the Money Advice Service in 2010 to enhance consumers’ understanding of their finances. Pension Wise was launched in April 2015 to help people with their defined contribution pensions. The Public Financial Guidance consultation is currently exploring how the current statutory arrangements for the provision of free and impartial financial guidance can be made more effective for consumers.</p><p> </p><p>The Government also launched the Financial Advice Market Review, which aims to make sure that people can access high quality, affordable professional advice to help them make informed financial decisions. FAMR and the Public Financial Guidance Consultation will report back around Budget 2016.</p> answering member printed Lord O'Neill of Gatley question first answered 09/02/2016 16:00:21 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	635 label Biography information for Lord Kirkwood of Kirkhope