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1019929

registered interest
date	04/12/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Money
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, when his Department plans to publish its response to the call for evidence on cash and digital payments in the new economy that closed on 5 June 2018.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	198928
answer	answer is ministerial correction date of answer 10/12/2018 answer text <p>The Call for Evidence produced a wide range of evidence, which requires thoughtful consideration.</p><p> </p><p>We have recently announced that the denominational mix of notes and coins would not change. Response to other matters will be made in due course.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/12/2018 15:13:22 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

946926

registered interest
date	23/07/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent estimate he has made of the (a) average level and (b) total value of personal debt in the UK.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	167408
answer	answer is ministerial correction date of answer 10/09/2018 answer text <p>The household debt-to-income ratio was 140% in Q1 2018, significantly below its pre-crisis high of 160% in Q1 2008.</p><p> </p><p>The independent Financial Policy Committee was set up by the government to assess and mitigate financial stability risks, including from household debt. The FPC has taken action to ensure against a significant rise in highly indebted households.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/09/2018 12:52:07 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

942475

registered interest
date	16/07/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Off-payroll Working
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential increased cost of hiring contractors as a result of the extension of IR35 off-payroll tax into the private sector.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	164537
answer	answer is ministerial correction date of answer 19/07/2018 answer text <p>The Government is currently consulting on non-compliance with the off-payroll working rules (known as IR35). As part of the consultation, officials are meeting a wide range of business leaders, representative bodies and other stakeholders.</p><p> </p><p>Once the consultation finishes on 10 August 2018, the Government will consider responses received, including comments raised at meetings with stakeholders, and will issue its response in due course.</p><p> </p><p>The Government is fully aware of the links between the off-payroll working rules and the Taylor review of modern working practices. It has recently consulted on whether and how employment status rules might be reformed in the longer-term.</p><p> </p><p>Any potential impact on businesses will depend on the outcome of the ongoing consultation.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 164538 164539 question first answered 19/07/2018 15:47:38 answering member 3935 label Biography information for Mel Stride
tabling member	4672 label Biography information for Ged Killen

942476

registered interest
date	16/07/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Off-payroll Working
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the validity of the concerns of the CEO of Contract Calculator on the extension of the IR35 off-payroll tax rules to the private sector.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	164538
answer	answer is ministerial correction date of answer 19/07/2018 answer text <p>The Government is currently consulting on non-compliance with the off-payroll working rules (known as IR35). As part of the consultation, officials are meeting a wide range of business leaders, representative bodies and other stakeholders.</p><p> </p><p>Once the consultation finishes on 10 August 2018, the Government will consider responses received, including comments raised at meetings with stakeholders, and will issue its response in due course.</p><p> </p><p>The Government is fully aware of the links between the off-payroll working rules and the Taylor review of modern working practices. It has recently consulted on whether and how employment status rules might be reformed in the longer-term.</p><p> </p><p>Any potential impact on businesses will depend on the outcome of the ongoing consultation.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 164537 164539 question first answered 19/07/2018 15:47:38 answering member 3935 label Biography information for Mel Stride
tabling member	4672 label Biography information for Ged Killen

942477

registered interest
date	16/07/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Off-payroll Working
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the compatibility of the proposed extension of IR35 off-payroll tax rules to the private sector with the recommendations of the 2017 Good Work: Taylor review of modern working practices.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	164539
answer	answer is ministerial correction date of answer 19/07/2018 answer text <p>The Government is currently consulting on non-compliance with the off-payroll working rules (known as IR35). As part of the consultation, officials are meeting a wide range of business leaders, representative bodies and other stakeholders.</p><p> </p><p>Once the consultation finishes on 10 August 2018, the Government will consider responses received, including comments raised at meetings with stakeholders, and will issue its response in due course.</p><p> </p><p>The Government is fully aware of the links between the off-payroll working rules and the Taylor review of modern working practices. It has recently consulted on whether and how employment status rules might be reformed in the longer-term.</p><p> </p><p>Any potential impact on businesses will depend on the outcome of the ongoing consultation.</p> answering member constituency Central Devon answering member printed Mel Stride grouped question UIN 164537 164538 question first answered 19/07/2018 15:47:38 answering member 3935 label Biography information for Mel Stride
tabling member	4672 label Biography information for Ged Killen

827970

registered interest
date	22/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will consider the merits of introducing rules to govern the provision of free to use cash machines (a) within a given geographic area and (b) on the basis of per head of population.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	123930
answer	answer is ministerial correction date of answer 30/01/2018 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with industry, including LINK, to ensure that this access is maintained.</p><p> </p><p>The Government has not made any formal assessment of the potential effect of LINK’s proposals to change the interchange fee rate on consumers or small businesses, including in Scotland. However, the Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>LINK has assured the Government and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intends to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 124076 124077 question first answered 30/01/2018 15:44:06 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

823607

registered interest
date	16/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Small Businesses: Loans
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 relationship between the availability of bank branches and the numbers of loans issued to small and medium sized enterprises.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	123068
answer	answer is ministerial correction date of answer 24/01/2018 answer text <p>The Treasury has no made no such assessments. The decision to open and close branches remains a commercial judgement for banks. However, the impact of closures on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, my predecessor wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. I look forward to receiving their proposals later this month.</p><p> </p><p>More widely, the Government remains committed to supporting SMEs’ access to the finance they need to grow and expand, and has: established the British Business Bank to make finance markets work better for small businesses; supported challenger banks; introduced a bespoke regime for peer-to-peer lending; and made structural interventions such as the Bank Referral Scheme and the SME credit data sharing scheme.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 123070 question first answered 24/01/2018 13:38:00 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

823609

registered interest
date	16/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Small Businesses: Productivity
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the relationship between the productivity of small and medium sized enterprises and access to physical banking services.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	123070
answer	answer is ministerial correction date of answer 24/01/2018 answer text <p>The Treasury has no made no such assessments. The decision to open and close branches remains a commercial judgement for banks. However, the impact of closures on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, my predecessor wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. I look forward to receiving their proposals later this month.</p><p> </p><p>More widely, the Government remains committed to supporting SMEs’ access to the finance they need to grow and expand, and has: established the British Business Bank to make finance markets work better for small businesses; supported challenger banks; introduced a bespoke regime for peer-to-peer lending; and made structural interventions such as the Bank Referral Scheme and the SME credit data sharing scheme.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 123068 question first answered 24/01/2018 13:38:00 answering member 4051 label Biography information for John Glen
tabling member	4672 label Biography information for Ged Killen

805414

registered interest
date	12/12/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Emergency Services: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to his Answer of 5 December 2017 to Question 116912, whether it is his policy to bring forward legislative proposals to refund all VAT paid by Police Scotland and the Scottish Fire and Rescue Service since the establishment of those services in 2013.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	119085
answer	answer is ministerial correction date of answer 20/12/2017 answer text <p>Autumn Budget 2017 announced the government’s intention to amend legislation so that Police Scotland and the Scottish Fire and Rescue Service will be eligible for VAT refunds from April 2018. This change will be enacted through the Finance Bill and will save these services c.£40 million a year.</p><p> </p> answering member constituency Central Devon answering member printed Mel Stride question first answered 20/12/2017 17:25:37 answering member 3935 label Biography information for Mel Stride
tabling member	4672 label Biography information for Ged Killen

804370

registered interest
date	11/12/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of relative poverty of areas where ATMs which are not free to use are located.
tabling member constituency	Rutherglen and Hamilton West
tabling member printed	Ged Killen
uin	118586
answer	answer is ministerial correction date of answer 19/12/2017 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK, and will continue to work with industry to ensure continued free access to cash. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p>Government has not made an assessment of the relative poverty of areas where there are no free to use ATMs. However LINK, the organisation behind the ATM network in the UK, carries out an assessment of areas where there are no free to use ATMs as part of the financial inclusion programme it runs, in collaboration with Toynbee Hall, to ensure the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable. LINK is intending to strengthen its financial inclusion programme even further to ensure that the need for ATMs continue to be met.</p><p>HM Treasury has not had discussions with the Bank of England or the Financial Conduct Authority about imposing a cap on charges to customers for ATMs which are not free to use or introducing powers to prevent the development of areas where there are no free-to-use ATMs. The Payment Systems Regulator (PSR) is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes to interchange fees may have. The Government set the PSR up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 118573 118580 question first answered 19/12/2017 15:39:48 answering member 4095 label Biography information for Steve Barclay
tabling member	4672 label Biography information for Ged Killen