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1104674

	registered interest
	date	25/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debts
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to improve measures to support those with problem debt.
	tabling member printed	Lord Taylor of Warwick
	uin	HL14799
	answer	answer is ministerial correction date of answer 08/04/2019 answer text The government is taking a proactive approach to support those in problem debt. First, the government has increased funding for publicly-funded debt advice to over £56 million in this financial year, enough to provide support to over 530,000 people. This advice helps vulnerable consumers to seek expert help with their debts and get their finances back on track.<p> </p><p>Second, the government is also implementing its manifesto commitment to introduce a breathing space and statutory debt repayment plan. The polices aim to give people in problem debt the opportunity to take control of their finances and put them on a sustainable footing.</p> answering member printed Lord Bates question first answered 08/04/2019 15:24:56 answering member 1091 label Biography information for Lord Bates
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1054337

	registered interest
	date	04/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Local Government: Borrowing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps the Public Works Loan Board takes on an ongoing basis to monitor the commercial property investments acquired by local authorities and funded by the Public Works Loan Board.
	tabling member printed	Lord Hollick
	uin	HL13391
	answer	answer is ministerial correction date of answer 18/02/2019 answer text The Ministry of Housing, Communities and Local Government (MHCLG) has stewardship of the local government sector in England. Together with the Chartered Institute of Public Finance and Accountancy (CIPFA), they maintain the statutory guidance on local authority borrowing and investment. In light of changes in local authority borrowing and investment patterns, CIPFA and MHCLG updated the prudential code and statutory guidance in 2018. In addition, local authorities must make appropriate arrangements for the appointment of an external auditor to give an opinion on their financial statements as well as arrangements for securing economy, efficiency and effectiveness in its use of resources. The Public Works Loans Board has no role in monitoring local authority activities. answering member printed Lord Bates question first answered 18/02/2019 13:39:59 answering member 1091 label Biography information for Lord Bates
	tabling member	2732 label Biography information for Lord Hollick

1105363

	registered interest
	date	26/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inheritance Tax: Siblings
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the answer by Lord Bates on 21 March (HL Deb, col 1526), when the cross-departmental working party to consider the fiscal disadvantages experienced by sibling couples will be established; what will be its terms of reference; and when its report will be completed and published.
	tabling member printed	Lord Lexden
	uin	HL14826
	answer	answer is ministerial correction date of answer 09/04/2019 answer text The Government will consider the issue of siblings and inheritance tax through the Office of Tax Simplification’s review of inheritance tax. Their report is due to be published in spring, and their recommendations will be carefully considered. answering member printed Lord Bates question first answered 09/04/2019 11:48:19 answering member 1091 label Biography information for Lord Bates
	tabling member	4202 label Biography information for Lord Lexden

1104676

	registered interest
	date	25/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Fraud
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to work with banks to protect UK businesses against invoice fraud.
	tabling member printed	Lord Taylor of Warwick
	uin	HL14801
	answer	answer is ministerial correction date of answer 08/04/2019 answer text The Government takes fraud extremely seriously and recognises the devastating impacts these crimes can have. The Government has created the Joint Fraud Taskforce, which brings together government, the banks and law enforcement to develop a collective response to fraud. The objectives of the Taskforce are to protect the public and businesses from fraud, reduce the impact of fraud on victims, and increase the disruption and prosecution of fraudsters.<p> </p>It has also been made easier to report fraud to law enforcement. Action Fraud is the UK’s reporting centre for fraud and cybercrime, providing a central point of contact for information about fraud and financially motivated internet crime. answering member printed Lord Bates question first answered 08/04/2019 15:36:49 answering member 1091 label Biography information for Lord Bates
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1088566

	registered interest
	date	13/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing: Disadvantaged
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what action they plan to take to ensure that the reduction in the availability of cash does not act to the detriment of the most disadvantaged in society.
	tabling member printed	Lord Hodgson of Astley Abbotts
	uin	HL14526
	answer	answer is ministerial correction date of answer 26/03/2019 answer text The Government is committed to safeguarding access to cash for those who need it. We will continue to engage with the regulators and industry to ensure people continue to have real choice over how they spend their money, recognising that cash is particularly important to the most vulnerable members of our society.<p> </p><p>The Government-established Payment Systems Regulator is closely monitoring developments within ATM provision. It has used its powers to hold LINK to account over LINK’s commitments to preserve the broad geographic spread of the ATM network.</p><p> </p><p>Last year, Government conducted a call for evidence on cash and digital payments in the new economy. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics. The Government welcomes the Access to Cash Review, which will help inform our ongoing work to ensure cash remains accessible.</p><p> </p><p>The Government will formally respond to the call for evidence in due course.</p> answering member printed Lord Bates question first answered 26/03/2019 14:41:27 answering member 1091 label Biography information for Lord Bates
	tabling member	1651 label Biography information for Lord Hodgson of Astley Abbotts

1054333

	registered interest
	date	04/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Local Government: Borrowing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what criteria are applied by the Public Works Loan Board when a local authority seeks to borrow to acquire commercial property for investment purposes.
	tabling member printed	Lord Hollick
	uin	HL13388
	answer	answer is ministerial correction date of answer 18/02/2019 answer text Responsibility for local authority spending and borrowing decisions lies with locally-elected council Members, who are democratically accountable to their electorates. Local authorities are required to have regard to the Prudential Code and statutory guidance when they borrow from the PWLB or from any other lender, these are published by The Chartered Institute of Public Finance and Accountancy and the Ministry of Housing, Communities and Local Government and form the Prudential Framework. The main objective of the Prudential Framework is to ensure that the capital investment plans of local authorities are affordable, prudent and sustainable. Before it can advance a loan to a local authority, the Public Works Loan Board requires formal assurance from the authority that the loan is within their borrowing powers and the relevant legislation. answering member printed Lord Bates question first answered 18/02/2019 13:37:54 answering member 1091 label Biography information for Lord Bates
	tabling member	2732 label Biography information for Lord Hollick

1054334

	registered interest
	date	04/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Local Government: Borrowing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what is the extent and nature of the due diligence undertaken by the Public Works Loan Board before extending loans to local authorities to acquire commercial property for investment purposes.
	tabling member printed	Lord Hollick
	uin	HL13389
	answer	answer is ministerial correction date of answer 18/02/2019 answer text Responsibility for local authority spending and borrowing decisions lies with locally-elected council Members, who are democratically accountable to their electorates. Local authorities are required to have regard to the Prudential Code and statutory guidance when they borrow from the PWLB or from any other lender, these are published by The Chartered Institute of Public Finance and Accountancy and the Ministry of Housing, Communities and Local Government and form the Prudential Framework. The main objective of the Prudential Framework is to ensure that the capital investment plans of local authorities are affordable, prudent and sustainable. Before it can advance a loan to a local authority, the Public Works Loan Board requires formal assurance from the authority that the loan is within their borrowing powers and the relevant legislation. answering member printed Lord Bates question first answered 18/02/2019 13:42:52 answering member 1091 label Biography information for Lord Bates
	tabling member	2732 label Biography information for Lord Hollick

1091614

	registered interest
	date	19/03/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Overseas Loans: Republic of Ireland
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why they granted a bilateral loan of £3.2 billion to the government of the Republic of Ireland in 2010.
	tabling member printed	Lord Morris of Aberavon
	uin	HL14660
	answer	answer is ministerial correction date of answer 02/04/2019 answer text As the then Chancellor said at the time, the government agreed in 2010 to provide a bilateral loan to Ireland because it was overwhelmingly in the UK’s national interest to have a strong Irish economy and stable banking system. The links between our financial systems, particularly in Northern Ireland, mean that there was a strong economic case to provide financial assistance to Ireland. By being part of the international financial package, the UK indirectly supported the very many businesses across the UK that trade with Ireland. answering member printed Lord Bates question first answered 02/04/2019 12:46:42 answering member 1091 label Biography information for Lord Bates
	tabling member	565 label Biography information for Lord Morris of Aberavon

1078979

	registered interest
	date	27/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	EU Budget: Contributions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government whether the UK’s budget rebate would apply if the UK's notifiction to withdraw from the EU under Article 50 was withdrawn.
	tabling member printed	Lord Jones of Cheltenham
	uin	HL14100
	answer	answer is ministerial correction date of answer 13/03/2019 answer text <p>We want to leave with a deal on March 29. We reached a fair financial settlement with the EU, honouring commitments we made during our period of membership, as set out in the draft Withdrawal Agreement in November 2018. As an EU Member State, we will continue to have rights and obligations until exit.</p> answering member printed Lord Bates question first answered 13/03/2019 12:19:53 answering member 1091 label Biography information for Lord Bates
	tabling member	248 label Biography information for Lord Jones of Cheltenham

1059214

	registered interest
	date	11/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Investment: Property
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what steps they are taking to ensure that the risk balance of portfolios of open-ended property funds are not, and will not be, distorted by favouring redeeming investors.
	tabling member printed	Lord Myners
	uin	HL13600
	answer	answer is ministerial correction date of answer 20/02/2019 answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to Lord Myners by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Bates question first answered 20/02/2019 12:39:08 answering member 1091 label Biography information for Lord Bates
	tabling member	3869 label Biography information for Lord Myners