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760205

registered interest
date	13/09/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Public Houses: Non-domestic Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he has assessed the potential merits of increasing annual business rates relief for pubs.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	105063
answer	answer is ministerial correction date of answer 09/10/2017 answer text <p>Spring Budget 2017 announced a £435m package to support businesses facing the steepest increases in business rates bills following the revaluation, which included a £1,000 business rates discount for pubs with a rateable value of up to £100,000 for 1 year from April 2017.</p><p> </p><p>In addition, pubs could benefit from the £110m support for small businesses and £300m for local authorities to support individual hard cases in their local area. This is on top of the £3.6bn transitional relief scheme and cuts in business rates announced at Budget 2016 costing nearly £9bn over the next five years.</p> answering member constituency Central Devon answering member printed Mel Stride question first answered 09/10/2017 13:03:12 answering member 3935 label Biography information for Mel Stride
tabling member	298 label Biography information for Steve McCabe

756639

registered interest
date	04/09/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Overseas Loans: Developing Countries
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will introduce legislation to enshrine the UN Conference on Trade and Development principles on responsible lending and borrowing in UK law.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	7539
answer	answer is ministerial correction date of answer 12/09/2017 answer text <p>The Government recognises the need for debt sustainability, and for effective debt restructuring processes where a country can no longer repay its debts. The UK engages in discussions on debt internationally and agreed to principles on debt sustainability at the G20 earlier this year. We are also committed to apply the OECD sustainable lending principles domestically. However, the Government isn’t currently planning to introduce legislation related to UN Conference on Trade and Development principles on responsible lending and borrowing.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 12/09/2017 10:56:29 answering member 4095 label Biography information for Steve Barclay
tabling member	298 label Biography information for Steve McCabe

713764

registered interest
date	24/03/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts
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 March 2017 to Question 66604, on debts, when the Government first committed to exploring a breathing space scheme; and when he expects to provide an update.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	69055
answer	answer is ministerial correction date of answer 29/03/2017 answer text <p>In its response to the Independent Review of the Money Advice Service (March 2015), the coalition government agreed to review the legal framework for debt administration, and to consider the impacts of additional statutory protections for consumers.</p><p> </p><p>The government is looking carefully at a breathing space scheme, and fully supports the principles of better debt management and lower levels of problem debt. However, a breathing space scheme could have cost implications, and any new spending proposals must be considered carefully. The government will continue to look into the options for a breathing space scheme.</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 29/03/2017 16:56:27 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe

712879

registered interest
date	21/03/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Landfill Communities Fund
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he made an assessment of the potential merits of increasing the diversion rate for the Landfill Communities Fund prior to the introduction of the Spring Budget 2017.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	68646
answer	answer is ministerial correction date of answer 29/03/2017 answer text <p>Since its introduction in 1996, the Landfill Communities Fund (LCF) has contributed over £1.4 billion to community projects.</p><p> </p><p>The value for money provided by the LCF is assessed in the same manner as all other Government funding.</p><p> </p><p>Despite difficult decisions on spending, at Budget 2017 the Government decided to maintain the value of the LCF at £39.3 million for 2017-18. This means the cap on contributions from landfill operators has increased from 4.2% to 5.3%. The Government expects to maintain this 5.3% cap for future years, but this expectation assumes we see continued progress from environmental bodies in reducing administrative costs and the level of unspent funds.</p> answering member constituency Battersea answering member printed Jane Ellison question first answered 29/03/2017 13:40:42 answering member 3918 label Biography information for Jane Ellison
tabling member	298 label Biography information for Steve McCabe

708435

registered interest
date	06/03/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what progress has been made on identifying possible options for an England and Wales debt breathing space scheme.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	66604
answer	answer is ministerial correction date of answer 14/03/2017 answer text <p>The government has committed to exploring whether some form of “breathing space” would be a useful and viable addition to the current range of debt solutions available to consumers and creditors. Work is continuing on this review, and the government plans to provide an update in due course.</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 14/03/2017 16:35:44 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe

693659

registered interest
date	23/02/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will launch a consultation on an England and Wales-wide debt breathing space scheme similar to the Debt Arrangement Scheme run by the Scottish Government.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	65339
answer	answer is ministerial correction date of answer 28/02/2017 answer text <p>The government has committed to exploring whether some form of “breathing space” would be a useful and viable addition to the current range of debt solutions available to consumers and creditors. Work is continuing on this review, and the government plans to report back shortly.</p><p> </p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 28/02/2017 15:00:11 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe

690496

registered interest
date	17/02/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Self-employed: Welfare Tax Credits
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 effect of trends in the level of self-employment on distribution of in-work tax credits.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	64095
answer	answer is ministerial correction date of answer 22/02/2017 answer text <p>It is estimated that just under a quarter of in-work tax credit claimants receive income from self-employment. This proportion has remained broadly stable since 2012-13.</p><p> </p><p>HM Revenue and Customs continues to monitor trends in self-employment amongst tax credit claimants to inform their expenditure forecasts, policy development and operational performance.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 22/02/2017 10:49:18 answering member 1529 label Biography information for Mr David Gauke
tabling member	298 label Biography information for Steve McCabe

661603

registered interest
date	19/12/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment the Government has made of the effect of Financial Conduct Authority requirements for mortgage affordability assessments on the ability of home owners to re-mortgage or switch mortgage provider.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	58150
answer	answer is ministerial correction date of answer 11/01/2017 answer text <p>The Government is committed to increasing competition in banking and creating an environment in which firms compete to offer a range of products that suit the varying needs of their customers. Both existing and prospective mortgage borrowers may benefit from shopping around to find the best deal available to them.</p><p> </p><p>The Government has not undertaken a formal assessment of the effects that the Financial Conduct Authority (FCA) Rules on mortgage affordability assessments have had on the ability of borrowers to switch providers.</p><p> </p><p>Although the Treasury sets the legal framework for the regulation of financial services, specific rules are a matter for the FCA whose day-to-day operations are independent from government control and influence.</p><p> </p><p>In May 2016 the FCA published a review which assessed the impact of recent changes to the regulation of mortgage lending. Where lending is affordable, the FCA did not see evidence that the responsible lending rules have prevented creditworthy consumers obtaining loans.</p><p> </p><p>The full review can be found here: https://www.fca.org.uk/publication/thematic-reviews/tr16-04.pdf</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby grouped question UIN 58151 question first answered 11/01/2017 10:35:45 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe

661604

registered interest
date	19/12/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps the Government is taking to assist home owners who seek to re-mortgage but who, following the Mortgage Market Review, no longer meet Financial Conduct Authority requirements on mortgage affordability assessments.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	58151
answer	answer is ministerial correction date of answer 11/01/2017 answer text <p>The Government is committed to increasing competition in banking and creating an environment in which firms compete to offer a range of products that suit the varying needs of their customers. Both existing and prospective mortgage borrowers may benefit from shopping around to find the best deal available to them.</p><p> </p><p>The Government has not undertaken a formal assessment of the effects that the Financial Conduct Authority (FCA) Rules on mortgage affordability assessments have had on the ability of borrowers to switch providers.</p><p> </p><p>Although the Treasury sets the legal framework for the regulation of financial services, specific rules are a matter for the FCA whose day-to-day operations are independent from government control and influence.</p><p> </p><p>In May 2016 the FCA published a review which assessed the impact of recent changes to the regulation of mortgage lending. Where lending is affordable, the FCA did not see evidence that the responsible lending rules have prevented creditworthy consumers obtaining loans.</p><p> </p><p>The full review can be found here: https://www.fca.org.uk/publication/thematic-reviews/tr16-04.pdf</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby grouped question UIN 58150 question first answered 11/01/2017 10:35:45 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe

631071

registered interest
date	07/11/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Incentives
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 October 2016 to Question 46911, on incentives, what steps his Department is taking to ensure that firms are complying with the policies outlined in that Answer.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	52078
answer	answer is ministerial correction date of answer 21/11/2016 answer text <p>Policies referred to in my previous answer were enacted through legislation which empowered the UK’s independent regulators, the Prudential Regulation Authority and the Financial Conduct Authority, to monitor and supervise financial services firms. Rules on remuneration are set out in the UK regulators’ rulebooks and the regulators ensure that FS firms are compliant with these through regular monitoring including a detailed annual review of the largest firms’ remuneration policies and practices.</p> answering member constituency Brighton, Kemptown answering member printed Simon Kirby question first answered 21/11/2016 14:42:20 answering member 3929 label Biography information for Simon Kirby
tabling member	298 label Biography information for Steve McCabe