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456025

registered interest
date	29/02/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Royal Bank of Scotland: Government Shareholding
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 implications for his policies on reducing the Government's stake in the Royal Bank of Scotland (RBS) of the (a) decision to defer the redemption of dividend payment by and (b) recent changes in the share price of that bank.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	28814
answer	answer is ministerial correction date of answer 07/03/2016 answer text <p>The Government has consistently said that disposing of our stake in RBS is the right thing to do for the taxpayer and the British economy. Returning RBS to private ownership will promote financial stability, a more competitive banking sector, and the interests of the wider economy.</p><p> </p><p>The first sale of government shares in RBS was conducted in August 2015, and raised £2.1 billion for the taxpayer. The government will continue to return RBS to private ownership and conduct further sales of RBS shares, subject to market conditions.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 07/03/2016 11:11:10 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

433743

registered interest
date	02/12/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Advisory Services
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 potential merits of expanding Pension Wise to include consideration of housing wealth as a source of retirement income.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	18444
answer	answer is ministerial correction date of answer 08/12/2015 answer text <p>The Government is committed to ensuring that individuals are equipped and empowered to make informed decisions about how to use their pension savings through the Pension Wise service.</p><br /><p>The Financial Conduct Authority’s (FCA) standards for the service state that guidance should provide the consumer with information about long-term care needs, sustainability of income in retirement and life expectancy, to the extent that they are relevant. Pension Wise guidance therefore prompts consumers to think about their retirement objectives and wider financial circumstances when deciding on what to do with their pension pot. As part of this consumers are asked about whether they receive any benefits, other retirement income, outgoings in retirement, and plans to continue working. The guidance is designed to equip consumers to consider questions about their situation as a whole, and directs them to further sources of information as suitable. Where it is clear that consumers need specialist help, they are directed to the appropriate source of guidance and information.</p><br /><p>Pension Wise is constantly assessing and evaluating the service to ensure that user needs are met. As such, it is currently actively considering a number of developments, as part of our continuous service improvement, to make Pension Wise even more useful to consumers, including tailoring session content more closely to individual circumstances.</p><br /> <br /> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 08/12/2015 14:54:13 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

431371

registered interest
date	20/11/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people making use of new pension freedoms have sought professional, regulated financial advice since April 2015.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	17096
answer	answer is ministerial correction date of answer 01/12/2015 answer text <p>The Government does not hold the information requested.</p><br /><p>However, the Government is committed to ensuring that all consumers can access high quality, affordable advice so they can make informed decisions about their hard-earned money.</p><br /><p>That is why the Treasury has launched, jointly with the Financial Conduct Authority (FCA), the Financial Advice Market Review which will examine how consumers can best be provided with the help and advice the need.</p><br /><p>The Treasury and the FCA published a Call for Input on 12 October seeking views from all interested parties on how financial advice could work better for consumers. The Call for Input will run until 22 December and the review will report back with proposals ahead of Budget 2016.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 01/12/2015 17:33:18 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

390699

registered interest
date	16/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how much tax relief was granted (a) to higher rate taxpayers and (b) in total in respect of (i) defined contribution and (ii) defined benefit pension schemes in 2014-15.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	7717
answer	answer is ministerial correction date of answer 24/07/2015 answer text <p>This information requested is published in HM Revenue and Custom (HMRC) National Statistics table PEN6, available on GOV.UK: https://www.gov.uk/government/statistics/registered-pension-schemes-cost-of-tax-relief <br></p><p> </p> answering member constituency East Hampshire answering member printed Damian Hinds grouped question UIN 7180 question first answered 24/07/2015 12:07:19 answering member 3969 label Biography information for Damian Hinds
tabling member	4390 label Biography information for Ian Blackford

390480

registered interest
date	15/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what the total value of tax relief on pension contributions applicable to higher tax rate taxpayers was in 2014-15; and what the total value of tax relief on all pension contributions for all taxpayers was in that year.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	7180
answer	answer is ministerial correction date of answer 24/07/2015 answer text <p>This information requested is published in HM Revenue and Custom (HMRC) National Statistics table PEN6, available on GOV.UK: https://www.gov.uk/government/statistics/registered-pension-schemes-cost-of-tax-relief <br></p><p> </p> answering member constituency East Hampshire answering member printed Damian Hinds grouped question UIN 7717 question first answered 24/07/2015 12:07:19 answering member 3969 label Biography information for Damian Hinds
tabling member	4390 label Biography information for Ian Blackford

389706

registered interest
date	14/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Monetary Policy
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 criteria under which assets issued as a result of the quantitative easing programme would be bought back.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	7046
answer	answer is ministerial correction date of answer 21/07/2015 answer text <p>The UK’s monetary policy framework, set out in the Bank of England Act 1998 gives operational responsibility for monetary policy to the independent Monetary Policy Committee (MPC). Decisions on the use of monetary policy tools, including quantitative easing, are for the judgement of the MPC.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 21/07/2015 14:53:12 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

389707

registered interest
date	14/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Monetary Policy
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he expects further quantitative easing to be undertaken in the next three years.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	7047
answer	answer is ministerial correction date of answer 21/07/2015 answer text <p>The UK’s monetary policy framework, set out in the Bank of England Act 1998, gives operational responsibility for monetary policy to the independent Monetary Policy Committee (MPC). Decisions on the use of monetary policy tools, including quantitative easing, are for the judgement of the MPC.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 21/07/2015 14:54:40 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

389709

registered interest
date	14/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Productivity
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 sustainable rate of productive potential in the UK economy.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	7048
answer	answer is ministerial correction date of answer 21/07/2015 answer text <p>In 2010 the government established the Office for Budget Responsibility (OBR) to provide independent and authoritative analysis of the UK’s public finances.</p><p> </p><p> </p><p> </p><p>The OBR forecast in July 2015 that potential productivity will grow by 1.4 per cent in 2015, 1.8 per cent in 2016, 2.0 per cent in 2017, 2.1 per cent in 2018 and 2.2 per cent thereafter.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 21/07/2015 14:41:07 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

389952

registered interest
date	14/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people have accessed the Pension Wise service in each week since the inception of that service.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	6990
answer	answer is ministerial correction date of answer 21/07/2015 answer text <p>The pension freedoms introduced on 6 April mean that the 320,000 individuals retiring each year with defined contribution pension savings are able to access them as they wish, and around 2 million people aged over 55 now have more options when they retire.</p><p> </p><p> </p><p> </p><p>Information on Pension Wise service usage will be published in due course.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 21/07/2015 14:38:56 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4390 label Biography information for Ian Blackford

389470

registered interest
date	13/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Welfare Tax Credits
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 implications for his policies of the statement by the Institute for Fiscal Studies that increases in the minimum wage will not fully compensate for changes made to the tax credits system.
tabling member constituency	Ross, Skye and Lochaber
tabling member printed	Ian Blackford
uin	6778
answer	answer is ministerial correction date of answer 20/07/2015 answer text <p>As a result of the introduction of the National Living Wage, 2.75m workers are expected to benefit directly, and up to 6m could see their pay rise as a result of a ripple effect up the earnings distribution.</p><p> </p><p> </p><p> </p><p>Overall, 8 out of 10 working households will be better off in 2017-18 as a result of the Summer Budget increase to the income tax personal allowance, welfare changes, and introduction of the National Living Wage. This translates to 12.5 million working households who will be better off.</p><p> </p><p> </p><p> </p> answering member constituency East Hampshire answering member printed Damian Hinds question first answered 20/07/2015 13:55:17 answering member 3969 label Biography information for Damian Hinds
tabling member	4390 label Biography information for Ian Blackford