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418862

registered interest
date	15/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Bank Cards: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what criteria and calculations the Government intends to use to determine which particular card schemes will be subject to interchange fee regulation as part of the EU Multilateral Interchange Fees regulation.
tabling member constituency	North Antrim
tabling member printed	Ian Paisley
uin	10304
answer	answer is ministerial correction date of answer 23/09/2015 answer text <p>The European Interchange Fee Regulation is directly applicable to UK law. However, there are discretions afforded to Member States, including an exemption for certain card schemes which have less than a 3% market share in the UK. The Government has consulted on this issue and will set out its response in due course.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 10305 10307 question first answered 23/09/2015 12:43:50 answering member 1529 label Biography information for Mr David Gauke
tabling member	4129 label Biography information for Ian Paisley

418863

registered interest
date	15/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Bank Cards: Fees and Charges
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 scale of the competitive advantage gained by any particular card scheme being exempted from interchange fee regulations as part of the EU Multilateral Interchange Fees regulation.
tabling member constituency	North Antrim
tabling member printed	Ian Paisley
uin	10305
answer	answer is ministerial correction date of answer 23/09/2015 answer text <p>The European Interchange Fee Regulation is directly applicable to UK law. However, there are discretions afforded to Member States, including an exemption for certain card schemes which have less than a 3% market share in the UK. The Government has consulted on this issue and will set out its response in due course.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 10304 10307 question first answered 23/09/2015 12:43:50 answering member 1529 label Biography information for Mr David Gauke
tabling member	4129 label Biography information for Ian Paisley

418865

registered interest
date	15/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Bank Cards: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what input the Payment Systems Regulator has in assisting defining the criteria and calculations the Government intends to use to determine which particular card schemes will be subject to interchange fee regulation as part of the EU Multilateral Interchange Fee regulation.
tabling member constituency	North Antrim
tabling member printed	Ian Paisley
uin	10307
answer	answer is ministerial correction date of answer 23/09/2015 answer text <p>The European Interchange Fee Regulation is directly applicable to UK law. However, there are discretions afforded to Member States, including an exemption for certain card schemes which have less than a 3% market share in the UK. The Government has consulted on this issue and will set out its response in due course.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 10304 10305 question first answered 23/09/2015 12:43:49 answering member 1529 label Biography information for Mr David Gauke
tabling member	4129 label Biography information for Ian Paisley

418866

registered interest
date	15/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Personal Savings: Pensioners
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what financial advice his Department provides to pensioners on investment of savings.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	10280
answer	answer is ministerial correction date of answer 23/09/2015 answer text <p>The Government has recently set up Pension Wise to provide free, impartial guidance for those who are able to use the new pension flexibilities, to help them make confident and informed decisions on how they use their defined contribution pension savings. Pension Wise offers guidance online, over the phone, and face to face.</p><p> </p><p> </p><p> </p><p>HM Treasury has also announced a joint review with the Financial Conduct Authority (FCA) of the advice landscape, the Financial Advice Market Review (FAMR). This will be looking at ensuring more people have access to appropriate and affordable advice and guidance.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 23/09/2015 12:42:08 answering member 1529 label Biography information for Mr David Gauke
tabling member	4131 label Biography information for Jim Shannon

418645

registered interest
date	14/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Income Tax: Tax Allowances
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 number of lower rate income tax payers who will potentially be moved into the higher rate as a result of the provisions set out in clause 24 of the Finance Bill 2015.
tabling member constituency	Stevenage
tabling member printed	Stephen McPartland
uin	10113
answer	answer is ministerial correction date of answer 22/09/2015 answer text <p>It is assumed that the question refers to clause 24 of the Summer 2015 Finance Bill: relief for finance costs related to residential property businesses.</p><p> </p><p> </p><p> </p><p>To make the tax system fairer, the Government will restrict the amount of tax relief landlords can claim on property finance costs (such as mortgage interest or interest on loans to buy furnishings) to the basic rate of tax. This will ensure that landlords with the largest incomes no longer receive the most generous tax treatment. To give landlords time to adjust the Government will introduce this change over 4 years starting from April 2017.</p><p> </p><p> </p><p> </p><p>The actual number of taxpayers affected will depend on behavioural changes and other economic factors.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 22/09/2015 13:19:23 answering member 1529 label Biography information for Mr David Gauke
tabling member	4093 label Biography information for Stephen McPartland