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1129040

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Children: Day Care
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent steps he has taken to review the adequacy of childcare funding in England and Wales.
tabling member constituency	Newcastle-under-Lyme
tabling member printed	Paul Farrelly
uin	259045
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The government recognizes how important an issue childcare is to families with young children. That is why the UK government will be spending almost £6 billion a year on childcare support in 2019/20 – a record amount. The Welsh government also offers childcare support, on top of that provided by the UK government through the benefits system. Spending decisions beyond 2019/20 will be a matter for the Spending Review.</p> answering member constituency South West Norfolk answering member printed Elizabeth Truss question first answered 06/06/2019 14:08:24 answering member 4097 label Biography information for Elizabeth Truss
tabling member	1436 label Biography information for Paul Farrelly

1129117

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to invest in technological improvements to the UK's ATM network.
tabling member constituency	Coventry South
tabling member printed	Mr Jim Cunningham
uin	258979
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The Government recognises that widespread access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK.</p><p> </p><p>As set out in the Government’s Summary of Responses to the Call for Evidence on Cash and Digital Payments in The New Economy, industry continues to develop a range of ways to safeguard access to cash, from investment in ATMs and cashback from retailers, to shared business banking hubs. The Government supports further industry collaboration to promote innovative ways of managing, accessing and depositing cash. The management and deployment of ATMs is a commercial matter for ATM market participants.</p><p> </p><p>In addition, the Government has invested heavily in maintaining a stable network of Post Office branches, with investment of around £2 billion since 2010. Anyone can use their LINK enabled bank card to take out money for free at the counter of every one of the 11,500 Post Offices in the UK.</p> answering member constituency Salisbury answering member printed John Glen question first answered 06/06/2019 13:16:57 answering member 4051 label Biography information for John Glen
tabling member	308 label Biography information for Mr Jim Cunningham

1129133

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Solar Power: VAT
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will keep VAT to five per cent on new solar panel installations.
tabling member constituency	Edinburgh West
tabling member printed	Christine Jardine
uin	259470
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>To comply with a ruling of the Court of Justice of the European Union, the Government is required to make changes to the reduced rate of VAT for the installation of certain energy saving materials.</p><p> </p><p>The changes have been made to comply with the ruling, whilst maintaining as much of the relief as possible. The VAT treatment of the vast majority of solar panel installations is expected to be unaffected by the changes.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 06/06/2019 09:34:19 answering member 3991 label Biography information for Jesse Norman
tabling member	4634 label Biography information for Christine Jardine

1129193

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages: Interest Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent steps he has taken to enable mortgage customers who were trapped when their mortgages were sold to vulture funds to take advantage of lower interest rates; and if he will launch an inquiry.
tabling member constituency	Cardiff West
tabling member printed	Kevin Brennan
uin	259027
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The Treasury recognises that mortgage prisoners can be in a difficult and sometimes stressful situation. However, the servicer of these mortgages must be regulated by the Financial Conduct Authority (FCA). This means that customers are protected by the FCA’s principle of Treating Customers Fairly; their Mortgage Conduct of Business rules; and customers have recourse to the Financial Ombudsman Service.</p><p> </p><p>The Treasury has also worked closely with the FCA to consider how to remove the regulatory barriers that might prevent some customers from accessing better deals.</p><p> </p><p>The FCA are now consulting on changes that will move the required affordability assessment from an absolute test to a relative one. This will enable lenders to more easily accept switching consumers, providing they are up-to-date with repayments and are not borrowing more.</p><p> </p><p>The FCA consultation closes on 26 June 2019.</p> answering member constituency Salisbury answering member printed John Glen question first answered 06/06/2019 13:14:54 answering member 4051 label Biography information for John Glen
tabling member	1400 label Biography information for Kevin Brennan

1128439

registered interest
date	23/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Housing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will provide more funding for rural housing in the forthcoming spending review.
tabling member constituency	North Cornwall
tabling member printed	Scott Mann
uin	257782
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The Government has taken a number of steps to support rural housing, including through the National Planning Policy Framework where we clarified our approach to rural exception sites to make it clear that local authorities should support opportunities to bring forward sites that will provide affordable housing to meet identified local needs. Decisions on public spending will be made in the round as part of the Spending Review process. HM Treasury will work closely with MHCLG to deliver the government’s housing priorities through this process.</p> answering member constituency South West Norfolk answering member printed Elizabeth Truss question first answered 06/06/2019 14:06:44 answering member 4097 label Biography information for Elizabeth Truss
tabling member	4496 label Biography information for Scott Mann

1128475

registered interest
date	23/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of free-to-use ATMs that have been converted to pay-to-use machines in each of the last five years.
tabling member constituency	Coventry South
tabling member printed	Mr Jim Cunningham
uin	257640
answer	answer is ministerial correction date of answer 05/06/2019 answer text <p>The Government believes that widespread access to cash remains extremely important to the day-to-day lives of many consumers and businesses. That is why the Government continues to engage with the regulators and industry in this area.</p><p> </p><p>In 2015, the Government established the Payment Systems Regulator (PSR), with a statutory objective to ensure that the UK’s payment systems work in the interests of their users. As a result, the PSR is closely monitoring developments within ATM provision, and has used its powers to ensure LINK meets its commitment on maintaining the broad geographical spread of free-to-use ATMs.</p><p> </p><p>The Treasury has not made an estimate of the number of free-to-use ATMS that have been converted to pay-to-use in each of the last five years. Detailed statistical data on the number of free-to-use and pay-to-use ATMs since 1998 is publicly available on the LINK website.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 257641 question first answered 05/06/2019 13:07:40 answering member 4051 label Biography information for John Glen
tabling member	308 label Biography information for Mr Jim Cunningham

1128477

registered interest
date	23/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to ensure that everyone has access to free-to-use ATMs.
tabling member constituency	Coventry South
tabling member printed	Mr Jim Cunningham
uin	257641
answer	answer is ministerial correction date of answer 05/06/2019 answer text <p>The Government believes that widespread access to cash remains extremely important to the day-to-day lives of many consumers and businesses. That is why the Government continues to engage with the regulators and industry in this area.</p><p> </p><p>In 2015, the Government established the Payment Systems Regulator (PSR), with a statutory objective to ensure that the UK’s payment systems work in the interests of their users. As a result, the PSR is closely monitoring developments within ATM provision, and has used its powers to ensure LINK meets its commitment on maintaining the broad geographical spread of free-to-use ATMs.</p><p> </p><p>The Treasury has not made an estimate of the number of free-to-use ATMS that have been converted to pay-to-use in each of the last five years. Detailed statistical data on the number of free-to-use and pay-to-use ATMs since 1998 is publicly available on the LINK website.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 257640 question first answered 05/06/2019 13:07:40 answering member 4051 label Biography information for John Glen
tabling member	308 label Biography information for Mr Jim Cunningham

1128506

registered interest
date	23/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Customs
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what plans HMRC has to establish additional customs inspection facilities in the event that the UK leaves the EU without a deal; and if he will make a statement.
tabling member constituency	Ashford
tabling member printed	Damian Green
uin	257623
answer	answer is ministerial correction date of answer 05/06/2019 answer text <p>The Government is focused on ensuring a smooth and orderly withdrawal from the EU with a deal as soon as possible. In the event that the UK leaves the EU without a deal, HMRC’s plans allow for the border to operate without significant new infrastructure on Day One.</p><p> </p><p>The Government has been working to minimise any disruption in the event of no deal for over two years. HMRC has engaged with ports and operators on how to meet the demands for increased border checks and processes following the UK’s exit from the EU. The Government will work with partners to ensure additional infrastructure is provided where needed to accommodate demand.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 05/06/2019 15:57:55 answering member 3991 label Biography information for Jesse Norman
tabling member	76 label Biography information for Damian Green

1128071

registered interest
date	22/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	National Insurance Contributions: Pensioners
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether they have made an estimate of the revenue which could be raised if the exemption from employee and employer's national insurance contributions for people above pensionable age was removed; and if so, what is that estimate.
tabling member printed	Lord Forsyth of Drumlean
uin	HL15920
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The “Estimated costs of principal tax reliefs” publication, sets out an estimate of the cost of the exemption of those over State pension age from paying National Insurance. It is estimated that the cost of this exemption is approximately £1.1bn in 2018-19. The estimates do not allow for any behavioural changes as a result of the reliefs. In practice if a relief was withdrawn, taxpayers’ behaviour would be likely to alter so that the actual yield could be lower than that shown in the tables.</p><p> </p><p>Employers are not currently exempt from paying employer NICs for their employees above the state pension age.</p> answering member printed Lord Young of Cookham question first answered 06/06/2019 12:50:41 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1141 label Biography information for Lord Forsyth of Drumlean

1128085

registered interest
date	22/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Hacking
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of the advice of the government of Sweden to its citizens to keep cash on hand against the possibility of a hacking attack on the banking system; and whether they are considering giving similar advice to UK citizens.
tabling member printed	Lord Radice
uin	HL15934
answer	answer is ministerial correction date of answer 06/06/2019 answer text <p>The Government has not provided similar advice to UK citizens. HM Treasury works closely with the other Financial Authorities, Intelligence Agencies and Law Enforcement to ensure that the system is robust to a wide range of operational risks, including cyber. The Financial Authorities have well-established mechanisms to respond to operational disruption were it to occur.</p> answering member printed Lord Young of Cookham question first answered 06/06/2019 12:47:25 answering member 57 label Biography information for Lord Young of Cookham
tabling member	510 label Biography information for Lord Radice