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1146934

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Personation: Credit Rating
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 impact on victims of identity fraud in particular any adverse credit rating changes and the subsequent impact of such changes on mortgage payments and relationships with credit companies.
tabling member printed	Lord Hunt of Kings Heath
uin	HL17908
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>Under the Fraud Act 2006, it is a crime to dishonestly make a false representation to make a gain, to cause loss to another or expose another to risk of loss. The Government takes fraud extremely seriously and recognises the devastating impacts that fraud can have on individuals and businesses.</p><p> </p><p>Decisions concerning how lenders assess mortgage applications, including how information from Credit Reference Agencies (CRAs) is used, are commercial decisions for banks and building societies.</p><p> </p><p>It is worth being aware that CRAs do not hold blacklists and do not tell a lender whether it should offer credit. Instead lenders use information from CRAs to come to their own commercial judgement. This means that while one lender may be unwilling to provide a mortgage due to a borrower’s credit history, that is not necessarily the case for other lenders.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 12:03:45 answering member 3359 label Biography information for The Earl of Courtown
tabling member	2024 label Biography information for Lord Hunt of Kings Heath

1146948

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Foster Care: Off-payroll Working
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 impact on foster carers of their plans to extend the new IR35 rules to the private sector from April 2020.
tabling member printed	Baroness Kramer
uin	HL17922
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The reforms to how the off-payroll working rules are administered have already been in place in the public sector, including local authorities, since 2017. In the first 12 months, these reforms brought in an additional £550 million in Income Tax and NICs, which otherwise would have gone unpaid. Independent research into the public sector reforms found that most public bodies did not experience any change in their ability to fill vacancies, or the rates they pay following the reforms.</p><p> </p><p>Following consultation, the Government announced at Budget 2018 that it will extend this reform to all medium and large organisations. On 11 July 2019 HMRC published a Tax Information and Impact Note setting out the impact on individuals, households and families of the reform in the private sector.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 12:12:21 answering member 3359 label Biography information for The Earl of Courtown
tabling member	1557 label Biography information for Baroness Kramer

1146955

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Crowdfunding: Regulation
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to (1) investigate delays in, and (2) take action to speed activity in, and (3) ensure lenders are properly informed about, secondary market sales in peer-to-peer lending.
tabling member printed	Lord Myners
uin	HL17929
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The Government monitors the peer to peer (P2P) lending sector and engages regularly with P2P platforms and the Financial Conduct Authority (FCA), who are responsible for the regulation of the sector.</p><p> </p><p>The operationally independent FCA recently published new rules for the sector. These will come into force on 9 December and include enhanced requirements on governance, risk management and investor protection.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 11:59:48 answering member 3359 label Biography information for The Earl of Courtown
tabling member	3869 label Biography information for Lord Myners

1146959

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Developing Countries
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have, if any, to initiate, or support, a new debt relief scheme designed to assist the least developed countries affected by climate change.
tabling member printed	The Earl of Sandwich
uin	HL17933
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The UK is a member of the Paris Club of official creditors, and any bilateral restructuring of UK loans to other sovereigns is conducted through this group. The UK forgave most of our loans to the least developed countries through the Paris Club framework under the International Monetary Fund (IMF) and World Bank Group (WBG) Heavily Indebted Poor Countries (HIPC) initiative in the 1990s and 2000s.</p><p>The UK continues to play a leading role in discussions on debt sustainability and transparency in international fora, including on climate-resilient instruments. The UK has supported work through the Paris Club and G7 to develop “Hurricane Clauses” which can provide Caribbean sovereigns with cash-flow relief following natural disasters.</p><p>The UK also provides broader policy support to assist the least developed countries affected by climate change. The Prime Minister announced at the UN Climate Action Summit on 23rd September 2019 that the UK would be doubling its international climate finance commitment to £11.6bn over the next five years. This will include work to help vulnerable countries and communities become resilient to the damaging effects of climate change.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 12:13:27 answering member 3359 label Biography information for The Earl of Courtown
tabling member	2109 label Biography information for The Earl of Sandwich

1147075

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Disguised Remuneration Loan Charge Review
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure the impartiality of the leader of the inquiry into loan charge schemes.
tabling member constituency	Coventry South
tabling member printed	Mr Jim Cunningham
uin	292092
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The Chancellor has commissioned Sir Amyas Morse, former CEO of the National Audit Office, to lead an independent Review to consider the impact of the Loan Charge, focusing on individuals who entered directly into disguised remuneration schemes.</p><p> </p><p>Sir Amyas is widely respected, as was emphasised by colleagues across the House in a debate of 6 March 2019.</p><p> </p><p>Sir Amyas has full control over how the Review is run and the outcome. For more information, the Review’s terms of reference can be found here: <a href="https://www.gov.uk/government/publications/disguised-remuneration-independent-loan-charge-review" target="_blank">https://www.gov.uk/government/publications/disguised-remuneration-independent-loan-charge-review</a></p><p><strong> </strong></p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 08/10/2019 07:34:45 answering member 3991 label Biography information for Jesse Norman
tabling member	308 label Biography information for Mr Jim Cunningham

1147104

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Child Benefit: Adoption
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will review the child benefit rules to include support to all parents of adopted children.
tabling member constituency	Morley and Outwood
tabling member printed	Andrea Jenkyns
uin	292330
answer	answer is ministerial correction date of answer 07/10/2019 answer text <p>Child Benefit provides support to all parents of adopted children where those parents are responsible for the adopted children. A person is treated as being responsible for a child, whether that child is adopted or not adopted, where:</p><ul><li><p>the child living is with them;</p></li></ul><ul><li>they are contributing to the cost of providing for the child at a weekly rate not less than the weekly rate of Child Benefit payable in respect of that child for that week.</li></ul> answering member constituency Richmond (Yorks) answering member printed Rishi Sunak question first answered 07/10/2019 14:15:23 answering member 4483 label Biography information for Rishi Sunak
tabling member	4490 label Biography information for Dame Andrea Jenkyns

1147154

registered interest
date	30/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Treasury: Chief Scientific Advisers
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how many meetings he had with his Department’s Chief Scientific Adviser from 1 June to 31 August 2019.
tabling member constituency	North Norfolk
tabling member printed	Norman Lamb
uin	292145
answer	answer is ministerial correction date of answer 07/10/2019 answer text <p>HM Treasury is committed to ensuring that we access the very best scientific expertise. The Director for the Enterprise and Growth Unit, who is responsible for public science funding, acts as HM Treasury’s Chief Scientific Adviser and meets with the Chancellor of the Exchequer regularly.</p> answering member constituency Richmond (Yorks) answering member printed Rishi Sunak question first answered 07/10/2019 14:13:35 answering member 4483 label Biography information for Rishi Sunak
tabling member	1439 label Biography information for Norman Lamb

1146740

registered interest
date	26/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Borders: Northern Ireland
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans they have to install electronic detection border equipment in Northern Ireland.
tabling member printed	Lord Taylor of Warwick
uin	HL17881
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The UK Government has been resolute in its commitments to Northern Ireland. This includes protecting the Belfast (Good Friday) Agreement in all its parts and ensuring there will be no hard border between Northern Ireland and Ireland. The Government will not introduce new physical infrastructure, which would include electronic detection border equipment, on the land border between Northern Ireland and Ireland.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 11:55:55 answering member 3359 label Biography information for The Earl of Courtown
tabling member	1796 label Biography information for Lord Taylor of Warwick

1146346

registered interest
date	25/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Brexit
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what percentage of the budget preparing for a no-deal Brexit has been spent on advertisements (1) in newspapers, (2) on radio and television, and (3) on social media.
tabling member printed	Lord Steel of Aikwood
uin	HL17841
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>The Treasury allocated £100m to Cabinet Office to deliver the No-Deal Brexit Public Information Campaign in August 2019. The costs of the campaign will be published monthly on gov.uk, as part of routine government transparency. This will be broken down by supplier. The Treasury does not hold a detailed breakdown of how departments have allocated funding for no-deal preparations, therefore it is difficult to determine the exact amount spent on any other advertising delivered by individual departments.</p> answering member printed The Earl of Courtown question first answered 08/10/2019 11:59:29 answering member 3359 label Biography information for The Earl of Courtown
tabling member	949 label Biography information for Lord Steel of Aikwood

1144865

registered interest
date	04/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Workplace Pensions: Tax Allowances
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, with respect to the National Statistics data published in April, which estimated the total cost of pension tax relief in respect of registered pension schemes for the year ending 5 April 2018 at £36.3 billion including £4.3 billion in tax relief on employee contributions to occupational pension schemes, (1) what is the estimated figure of gross pension contributions on which this figure was based, and (2) what specific assumptions were made as to the rates of tax applicable in arriving at the figure of £4.3 billion; and whether these assumptions included that all employees making contributions to occupational schemes receive the full tax relief to which they are entitled, including those contributing to net pay pension schemes.
tabling member printed	Baroness Altmann
uin	HL17699
answer	answer is ministerial correction date of answer 09/09/2019 answer text <p><del class="ministerial">It has not proved possible to respond to this question in the time available before Prorogation. Ministers will correspond directly with the Member.</del></p><p> </p><p><ins class="ministerial">HMRC publishes estimates of the cost of pension tax relief which is available in table 6 of HM Revenue and Customs Personal Pension Statistics on Gov.uk. </ins></p><p><ins class="ministerial"><em> </em></ins></p><p><ins class="ministerial">These estimates were revised on 26<sup>th</sup> September 2019 as part of an overall update to HMRC’s Personal Pension and Pension Relief statistics. Estimates of the cost of tax relief on contributions are produced using the Annual Survey of Hours and Earnings (ASHE) for income, individual and employer contributions for members of pension schemes that use the net pay mechanism; and administrative data HMRC holds on relief at source administrative data matched to the Survey of Personal Incomes (SPI) - for income, individual and employer pension contributions for members of pension schemes that use the relief at source mechanism.</ins></p><p><ins class="ministerial"> </ins></p><p><ins class="ministerial">The cost of tax relief for all contributions made by individuals is approximately £6.3bn, broken down as the cost of relief on employee contributions to occupational schemes (£4.2bn), to personal pension schemes (£1.6bn), and self-employed contributions to pensions (£0.5bn). Occupational pensions here includes some master trust pension schemes which use the relief at source method. Personal pensions here includes workplace personal pension schemes (such as group personal pensions).</ins></p><p><ins class="ministerial"> </ins></p><p><ins class="ministerial">i) The £4.3bn figure referenced is the cost of pension tax relief relating to occupational pension schemes. Estimates of the cost of pension tax relief were revised on September 26<sup>th</sup> 2019 as part of an overall update to HMRC’s Personal Pensions and Pension Relief Statistics. The £4.3bn figure referenced has since been revised to £4.2bn. </ins></p><p><ins class="ministerial"> </ins></p><p><ins class="ministerial">This £4.2bn figure of tax relief is derived from around £15.9bn of estimated “relievable” individual pension contributions to occupational pension schemes, (where “relievable” refers to our best estimates of contributions which are within the individual’s pensions Annual Allowance). </ins></p><p><ins class="ministerial"> </ins></p><p><ins class="ministerial">ii) Marginal rate tax relief is applied to these estimates of “relievable” contributions as if these contributions were taxed. Estimates are produced assuming all members contributing to all pension schemes receive full marginal rate tax relief on their contributions.</ins></p><p><ins class="ministerial"><em> </em></ins></p><p><ins class="ministerial">As noted in the publication, costs are subject to large revisions and have a particularly wide margin of error – reflecting the variety of sources of data (both administrative and survey) required to produce these estimates.</ins></p> answering member printed The Earl of Courtown question first answered 09/09/2019 16:33:08 question first ministerially corrected 08/10/2019 12:38:27 answering member 3359 label Biography information for The Earl of Courtown previous answer version 135351 answering member printed The Earl of Courtown answering member 3359 label Biography information for The Earl of Courtown
tabling member	4533 label Biography information for Baroness Altmann