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428506
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Payment Methods more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what steps he is taking to deliver a faster payments infrastructure. more like this
star this property tabling member constituency Windsor more like this
star this property tabling member printed
Adam Afriyie more like this
star this property uin 16451 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-23more like thismore than 2015-11-23
star this property answer text <p>The Faster Payment Scheme (FPS) launched in 2008 and provides near-instant settlement for over one billion payments that consumers and businesses make every year.</p><br /><p>FPS is one of the eight payment systems regulated by the new Payment Systems Regulator – which the Government launched in 2015, equipped with powers to ensure that UK payment systems are competitive and innovative. A key part of the PSR’s work is to ensure that UK payment systems work efficiently to deliver benefits for the individuals and firms that use them.</p><br /><p>The Government is also working with the Financial Conduct Authority’s (FCA) Project Innovate – which looks to foster and support innovative financial technology (“FinTech”) firms, including firms that offer customers new and efficient ways to make payments in the UK.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-23T11:49:17.537Zmore like thismore than 2015-11-23T11:49:17.537Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
1586
star this property label Biography information for Adam Afriyie more like this
428507
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Bank Services more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the availability of bank accounts for (a) crowd funding and (b) digital currency businesses. more like this
star this property tabling member constituency Windsor more like this
star this property tabling member printed
Adam Afriyie more like this
star this property uin 16372 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-23more like thismore than 2015-11-23
star this property answer text <p>As the Chancellor announced at the Budget in March, the Government intends to bring digital currency exchanges into the scope of anti-money laundering regulation. The digital currency industry has highlighted the current lack of regulation as one of the obstacles firms face when trying to get bank accounts in the UK. The new regulatory regime will be designed to support firms’ access to these vital banking services, and to foster an environment in which legitimate digital currency businesses can flourish in the UK. The Treasury will consult on the detail of regulation shortly.</p><br /><p>The Government has supported the crowdfunding industry by consulting on whether to extend ISA eligibility to debt and equity crowdfunding and helping equity crowdfunding through the tax efficient Enterprise Investment Scheme (EIS) – without which 24% of investors say they would not have invested.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-23T11:47:50.15Zmore like thismore than 2015-11-23T11:47:50.15Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
1586
star this property label Biography information for Adam Afriyie more like this
428349
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Money Laundering more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, how many (a) investigations and (b) enforcement actions into money laundering offences have been commenced by the Financial Conduct Authority and the Financial Services Authority in each of the last five years. more like this
star this property tabling member constituency Kingston upon Hull North more like this
star this property tabling member printed
Diana Johnson more like this
star this property uin 16394 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-19more like thismore than 2015-11-19
star this property answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to the honourable member by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-19T14:30:33.013Zmore like thismore than 2015-11-19T14:30:33.013Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
1533
star this property label Biography information for Diana Johnson more like this
428347
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Money Laundering more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, how many staff of the Financial Conduct Authority and the Financial Services Authority worked on money laundering enforcement in each of the last five years. more like this
star this property tabling member constituency Kingston upon Hull North more like this
star this property tabling member printed
Diana Johnson more like this
star this property uin 16376 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-18more like thismore than 2015-11-18
star this property answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to the honourable member by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-18T14:00:05.447Zmore like thismore than 2015-11-18T14:00:05.447Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
1533
star this property label Biography information for Diana Johnson more like this
428348
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Money Laundering: Prosecutions more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, which companies were prosecuted by the Financial Conduct Authority or the Financial Services Authority for issues relating to money laundering in each of the last five years. more like this
star this property tabling member constituency Kingston upon Hull North more like this
star this property tabling member printed
Diana Johnson more like this
star this property uin 16375 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-18more like thismore than 2015-11-18
star this property answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply directly to the honourable member by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-18T14:01:51.66Zmore like thismore than 2015-11-18T14:01:51.66Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
1533
star this property label Biography information for Diana Johnson more like this
428534
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Banks more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what steps he is taking to encourage the growth of stakeholder banks within the UK. more like this
star this property tabling member constituency Easington more like this
star this property tabling member printed
Grahame Morris more like this
star this property uin 16406 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-23more like thismore than 2015-11-23
star this property answer text <p>The Government has taken significant steps to support stakeholder banks. We more commonly refer to stakeholder banks as mutually-owned financial service firms such as credit unions, building societies and mutual savings banks.</p><p>The Government has encouraged the growth of the credit union sector by increasing the maximum interest rate that credit unions can charge on loans from 2% to 3% per month; investing £38m in the sector through the Department of Work and Pensions’ (DWP) Credit Union Expansion Project; ensuring that universal credit and pensions payments can be paid into any credit union account; and launching a Call for Evidence which allowed all credit unions, regardless of size or influence, the opportunity to contribute their vision for the future of the sector to the wider debate.</p><br /><p>This Government has supported the building societies sector through a number of initiatives including: carving out building societies from the Independent Commission on Banking’s ring-fencing regulations; extending ISA eligibility to Core Capital Deferred Shares; allowing building societies to create floating charges for the first time; and applying a £25m sector-specific allowance to carried-forward losses for Corporation Tax.</p><br /><p>The Airdrie Savings Bank is the only remaining example of a mutual savings bank in the UK. At the Summer Budget the government announced that savings banks established under the Savings Bank (Scotland) Act 1819 will benefit from the same £25m carried-forward loss allowance for Corporation Tax as the building society sector. This will be backdated to 1 April 2015 and is being actioned through the Finance Bill 2015.</p>
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-23T11:51:57.733Zmore like thismore than 2015-11-23T11:51:57.733Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
3973
star this property label Biography information for Grahame Morris more like this
428535
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Banks: Regional Planning and Development more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the role of stakeholder banks in supporting regional growth. more like this
star this property tabling member constituency Easington more like this
star this property tabling member printed
Grahame Morris more like this
star this property uin 16407 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-23more like thismore than 2015-11-23
star this property answer text <p>Each quarter the British Bankers Association and the Council for Mortgage Lenders publish data showing the outstanding stock of lending in each postcode. This allows challenger banks, smaller building societies, credit unions and community development finance institutions (CDFIs) to find areas where there is a lack of lending so they can offer finance to those customers and support growth in that regional area.</p><p>The Government recognises the important role that stakeholder banks play in supporting their communities. We more commonly refer to stakeholder banks as credit unions, building societies and mutually-owned savings banks.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-23T11:53:24.077Zmore like thismore than 2015-11-23T11:53:24.077Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
3973
star this property label Biography information for Grahame Morris more like this
428380
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts: Young People more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what steps the Government is taking to reduce the indebtedness of people aged 18 to 25. more like this
star this property tabling member constituency Strangford more like this
star this property tabling member printed
Jim Shannon more like this
star this property uin 16529 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-23more like thismore than 2015-11-23
star this property answer text <p>The government is committed to ensuring that young people can access the support they need in order to make informed financial decisions and avoid problem debt.</p><br /><p>To ensure that young people leave school with an understanding of personal finance, financial literacy was made part of the secondary school National Curriculum in September 2014; and the mathematics curriculum has also been changed to include topics on financial decisions. This means that for the first time, young people now learn about the importance of budgeting, sound management of money, credit and debt, as well as understanding different financial services and products.</p><br /><p>The government set up the Money Advice Service (MAS) in 2010 to enhance consumers’ understanding and knowledge of financial matters. MAS provides a single point of debt advice for consumers, including people aged 18-25, and allows those facing problems with debt to obtain free and impartial money advice. MAS also recently launched their nationwide Financial Capability Strategy, which will specifically consider how the needs of young people should inform provision going forward.</p><br /><p>The government is currently consulting on how the provision of public financial guidance could be made more effective for consumers.</p>
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property question first answered
less than 2015-11-23T11:43:20.86Zmore like thismore than 2015-11-23T11:43:20.86Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
4131
star this property label Biography information for Jim Shannon more like this
428483
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Connaught Asset Management more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the adequacy of steps taken to hold to account companies and directors responsible for promoting and managing the affairs of Connaught Asset Management. more like this
star this property tabling member constituency East Renfrewshire more like this
star this property tabling member printed
Kirsten Oswald more like this
star this property uin 16382 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-18more like thismore than 2015-11-18
star this property answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government.</p><br /><p>These questions have been passed on to the FCA. They will reply directly to the Honorable Member Kirsten Oswald by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property grouped question UIN 16380 more like this
star this property question first answered
less than 2015-11-18T14:03:13.35Zmore like thismore than 2015-11-18T14:03:13.35Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
4413
star this property label Biography information for Kirsten Oswald more like this
428482
star this property registered interest false more like this
star this property date remove filter
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Connaught Asset Management more like this
unstar this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what recent progress there has been in holding to account directors responsible for promoting, managing and supervising Connaught Asset Management. more like this
star this property tabling member constituency East Renfrewshire more like this
star this property tabling member printed
Kirsten Oswald more like this
star this property uin 16380 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2015-11-18more like thismore than 2015-11-18
star this property answer text <p>This is a matter for the Financial Conduct Authority (FCA), which is operationally independent from Government.</p><br /><p>These questions have been passed on to the FCA. They will reply directly to the Honorable Member Kirsten Oswald by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
star this property answering member constituency West Worcestershire more like this
star this property answering member printed Harriett Baldwin more like this
star this property grouped question UIN 16382 more like this
star this property question first answered
less than 2015-11-18T14:03:13.287Zmore like thismore than 2015-11-18T14:03:13.287Z
star this property answering member
4107
star this property label Biography information for Harriett Baldwin remove filter
star this property tabling member
4413
star this property label Biography information for Kirsten Oswald more like this