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1141934
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Banks: Loans more like this
star this property house id 2 more like this
star this property legislature
25277
unstar this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether they or the Prudential Regulation Authority monitor loans by smaller banks to related parties; and what assessment, if any, they have made of how Wyelands Bank complies in this respect with regulatory limits. more like this
star this property tabling member printed
Lord Myners more like this
star this property uin HL17478 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 2019-08-06more like thismore than 2019-08-06
star this property answer text This is a matter for the Prudential Regulation Authority (PRA), which is operationally independent from Government. The question has been passed on to the PRA. The PRA will reply directly to Lord Myners by letter. A copy of the letter will be placed in the Library of the House. more like this
unstar this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-08-06T13:37:27.17Zmore like thismore than 2019-08-06T13:37:27.17Z
star this property answering member
57
star this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
3869
unstar this property label Biography information for Lord Myners more like this
1141829
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Tobacco more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what information his Department (a) collects and (b) publishes on (i) tobacco sales, (ii) profits, (iii) marketing and (iv) research. more like this
star this property tabling member constituency Linlithgow and East Falkirk more like this
star this property tabling member printed
Martyn Day more like this
star this property uin 281814 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text HM Treasury does not collect data on tobacco sales, profits, marketing or research. HM Revenue & Customs does collect those financial records necessary to establish tax liabilities of individual tobacco companies and retailers. Any financial data collected for this purpose is subject to taxpayer confidentiality and not published by HMRC. more like this
star this property answering member constituency Middlesbrough South and East Cleveland more like this
unstar this property answering member printed Mr Simon Clarke more like this
star this property question first answered
less than 2019-09-03T07:51:36.107Zmore like thismore than 2019-09-03T07:51:36.107Z
star this property answering member
4655
star this property label Biography information for Mr Simon Clarke more like this
star this property tabling member
4488
unstar this property label Biography information for Martyn Day more like this
1141822
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Infrastructure more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, pursuant to the Answer of 15 October 2018 to Question 174781 on Infrastructure, when the Government plans to publish its full response to the National Infrastructure Commission’s report of July 2018 entitled National Infrastructure Assessment. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Alan Brown more like this
star this property uin 281813 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The government welcomed the publication of the National Infrastructure Commission’s National Infrastructure Assessment (NIA) last year.</p><p>The Government will respond in full to the NIA through a National Infrastructure Strategy.</p><p>The Chancellor confirmed on August 9th that the Strategy will be published in autumn 2019.</p> more like this
star this property answering member constituency Middlesbrough South and East Cleveland more like this
unstar this property answering member printed Mr Simon Clarke more like this
star this property question first answered
less than 2019-09-03T07:04:30.217Zmore like thismore than 2019-09-03T07:04:30.217Z
star this property answering member
4655
star this property label Biography information for Mr Simon Clarke more like this
star this property tabling member
4470
unstar this property label Biography information for Alan Brown more like this
1141857
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Bank Services more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what recent estimate he has made of the percentage of adults in the UK who do not have a UK bank account. more like this
star this property tabling member constituency Vale of Clwyd more like this
star this property tabling member printed
Chris Ruane more like this
star this property uin 281634 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The Treasury does not make assessments of the number of people who do not have a bank account. However, in 2017, the Financial Conduct Authority published the results of the Financial Lives Survey which found that 1.3 million UK adults were unbanked, i.e. have no current account or alternative e-money account.</p><p> </p><p>The Financial Lives Survey report contains further information on the characteristics of the unbanked. The report analyses survey results across the four nations of the UK, the nine regions of England, and by rural and urban areas. The FCA intend to repeat the Financial Lives Survey on a regular basis in future. The report can be found here:</p><p> </p><p><a href="https://www.fca.org.uk/publication/research/financial-lives-consumers-across-uk.pdf" target="_blank">https://www.fca.org.uk/publication/research/financial-lives-consumers-across-uk.pdf</a></p><p> </p><p>This government is committed to building an economy where everyone, regardless of their background or income, can access the financial services and products they need, including a bank account. Under the Payment Account Regulations 2015 (PARs) the nine largest personal current account providers in the UK are legally required to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account. Accounts have all the standard payment features such as direct debits and standing orders, though no overdraft or cheque book facilities. The Treasury’s December 2018 publication shows that in total there are nearly 7.5 million basic bank accounts open in the UK.</p><p> </p><p>More generally, in November 2017, the Government announced the creation of the Financial Inclusion Policy Forum. The Forum has now met three times and has successfully brought together key leaders from industry, charities and consumer groups, as well as Government ministers and the regulators, to provide leadership in tackling financial exclusion. The Forum has delivered important work already, and made tangible progress. A sub-group of the Forum set up last summer, examined the issue of access to affordable credit, and made a number of recommendations, many of which formed part of a package on affordable credit presented at Budget 2018. The Government also published its first annual financial inclusion report on 25 March which takes stock of the Government’s progress in this area.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-09-03T07:03:54.663Zmore like thismore than 2019-09-03T07:03:54.663Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property attachment
1
star this property file name Financial Lives Survey - page 47.pdf more like this
star this property title Page 47 from report as mentioned in the response more like this
star this property tabling member
534
unstar this property label Biography information for Chris Ruane more like this
1141856
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Bank Services: Fees and Charges more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what steps his Department is taking to ensure that UK banks fulfuil their obligations under the EU Payment Accounts Directive; and whether he plans to retain the consumer protections in that directive after the UK leaves the EU. more like this
star this property tabling member constituency Vale of Clwyd more like this
star this property tabling member printed
Chris Ruane more like this
star this property uin 281633 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The Payment Accounts Directive 2014 has three main objectives: (1) to improve the transparency and comparability of fees related to payment accounts that are used for day-to-day payment transactions; (2) to facilitate the switching of those accounts; and (3) to ensure access to payment accounts with basic features (‘basic bank accounts’) for EU residents. The Payment Accounts Regulations 2015 (PARs) transposed this Directive into UK law.</p><p> </p><p>The Financial Conduct Authority (FCA) is responsible for monitoring and enforcing the Payment Accounts Regulations’ requirements on payment service providers. The Payment Systems Regulator (PSR) is responsible for designating and monitoring alternative switching schemes.</p><p> </p><p>Designated UK banks must provide accessible information and assistance about the features and conditions of basic bank accounts under the Payment Accounts Regulations (PARs). The PARs also require the FCA to gather and submit to HM Treasury certain data on basic bank accounts and the switching of payment accounts. This information is reported to HM Treasury every two years. HM Treasury also collects data on basic bank accounts and this is published annually.</p><p> </p><p>The Government has amended the PARs to ensure that they continue to operate effectively in the UK once the UK has left the EU.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-09-03T07:03:34.637Zmore like thismore than 2019-09-03T07:03:34.637Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
534
unstar this property label Biography information for Chris Ruane more like this
1141759
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Cash Dispensing more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what steps he is taking to ensure people are able to access cash. more like this
star this property tabling member constituency South Holland and The Deepings more like this
star this property tabling member printed
Sir John Hayes more like this
star this property uin 281594 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The Government recognises that widespread free access to, and acceptance of, cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK.</p><p> </p><p>In Spring 2018, the Government conducted a Call for Evidence on Cash &amp; Digital Payments in the New Economy. In the recent response to this Call for Evidence, the Government committed to supporting digital payments whilst safeguarding access to cash for those who need it. Furthermore, the Government announced the launch of the Joint Authorities Cash Strategy (JACS) Group, which brings together the Payment Systems Regulator (PSR), Financial Conduct Authority and Bank of England to ensure a comprehensive oversight of the overall cash infrastructure in light of changing trends related to cash.</p><p> </p><p>The Government established the PSR in 2015, with robust powers and a statutory objective to ensure that the UK's payment systems work in the interests of their users. The PSR regulates LINK, the scheme which runs the UK’s ATM network, and has used its powers to hold LINK to account over LINK’s commitments to preserve the broad geographic spread of the ATM network.</p><p> </p><p>Furthermore, the Government has invested heavily in maintaining a stable network of Post Office branches, with investment of over £2 billion since 2010. Currently, 99 per cent of personal customers and 95 per cent of small business customers can access cash locally at one of the Post Office’s 11,500 branches.</p>
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-09-03T07:03:13.193Zmore like thismore than 2019-09-03T07:03:13.193Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
350
unstar this property label Biography information for Sir John Hayes more like this
1141689
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Health Insurance more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, how many and what proportion of people in the UK have private medical insurance. more like this
star this property tabling member constituency Bootle more like this
star this property tabling member printed
Peter Dowd more like this
star this property uin 281774 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The Government monitors the insurance market and is responsible for setting the overall legal framework of financial services regulation.</p><p> </p><p>The Government does not hold information on the amount spent on private medical cover, or on the number and proportion of people in the UK with private medical insurance.</p><p> </p><p>However, data from the Office for National Statistics reports that total expenditure on voluntary health insurance was £6 billion in 2017.</p> more like this
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property grouped question UIN 281775 more like this
star this property question first answered
less than 2019-09-03T07:04:19.4Zmore like thismore than 2019-09-03T07:04:19.4Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4397
unstar this property label Biography information for Peter Dowd more like this
1141690
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Health Insurance: Expenditure more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, how much was spent on private medical health cover in the UK in 2018. more like this
star this property tabling member constituency Bootle more like this
star this property tabling member printed
Peter Dowd more like this
star this property uin 281775 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The Government monitors the insurance market and is responsible for setting the overall legal framework of financial services regulation.</p><p> </p><p>The Government does not hold information on the amount spent on private medical cover, or on the number and proportion of people in the UK with private medical insurance.</p><p> </p><p>However, data from the Office for National Statistics reports that total expenditure on voluntary health insurance was £6 billion in 2017.</p> more like this
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property grouped question UIN 281774 more like this
star this property question first answered
less than 2019-09-03T07:04:19.447Zmore like thismore than 2019-09-03T07:04:19.447Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
4397
unstar this property label Biography information for Peter Dowd more like this
1141932
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Lendy more like this
star this property house id 2 more like this
star this property legislature
25277
unstar this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what steps they took to stop Lendy from declaring dividends to pay capital to that firm’s owners when Lendy was under review by the Financial Conduct Authority (FCA); and whether the FCA intends to compensate any lenders who did not receive full remediation payments as a result of a shortfall in capital. more like this
star this property tabling member printed
Lord Myners more like this
star this property uin HL17476 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 2019-08-06more like thismore than 2019-08-06
star this property answer text <p>The Financial Conduct Authority (FCA) is responsible for the authorisation and regulation of peer to peer (P2P) platforms, and is currently carrying out an enforcement investigation into the circumstances that led to the administration of Lendy. It would be inappropriate for Government to pre-empt its findings.</p><p> </p><p>The FCA is operationally independent from Government. The question as it relates to the FCA has been passed on to the FCA. The FCA will reply directly to Lord Myners by letter. A copy of the letter will be placed in the Library of the House.</p> more like this
unstar this property answering member printed Lord Young of Cookham more like this
star this property question first answered
less than 2019-08-06T13:36:33.113Zmore like thismore than 2019-08-06T13:36:33.113Z
star this property answering member
57
star this property label Biography information for Lord Young of Cookham more like this
star this property tabling member
3869
unstar this property label Biography information for Lord Myners more like this
1141761
star this property registered interest false remove filter
unstar this property date remove filter
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
star this property answering dept sort name Treasury more like this
star this property hansard heading Banks: Pay more like this
star this property house id 1 more like this
star this property legislature
25259
unstar this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what steps his Department has taken to cap large bonuses paid to bankers. more like this
star this property tabling member constituency South Holland and The Deepings more like this
star this property tabling member printed
Sir John Hayes more like this
star this property uin 281596 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2019-09-03
star this property answer text <p>The EU’s Capital Requirements Directive IV introduced a cap on variable remuneration for senior staff and other key decision makers, applicable from January 2014. It is set at 100% of the individual’s salary, or up to 200% where both the Member State and shareholders agree. In the UK, this currently applies to firms with relevant total assets exceeding £15 billion, with the Prudential Regulation Authority and the Financial Conduct Authority responsible for ensuring firms comply with this requirement.</p> more like this
star this property answering member constituency Salisbury more like this
unstar this property answering member printed John Glen more like this
star this property question first answered
less than 2019-09-03T07:03:24.23Zmore like thismore than 2019-09-03T07:03:24.23Z
star this property answering member
4051
star this property label Biography information for John Glen more like this
star this property tabling member
350
unstar this property label Biography information for Sir John Hayes more like this