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1718605

registered interest
date	15/05/2024
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Money
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government what steps they are taking to protect the use of cash in the purchasing of everyday goods and services.
tabling member printed	The Lord Bishop of St Albans
uin	HL4706
answer	answer is ministerial correction date of answer 24/05/2024 answer text <p>In recognition that cash continues to be used by millions of people across the UK, including those in vulnerable circumstances, the government legislated through the Financial Services and Markets Act 2023 to establish a new legislative framework to protect access to cash. This establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provides it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities.</p><p><strong> </strong></p><p>Following this legislation, the government published a Cash Access Policy Statement. This set out that the vast majority of people should be no further than 1 mile from access to cash deposit and withdrawal services in predominately urban areas, and no further than 3 miles in predominately rural areas. The FCA is required to have regard to this statement when exercising its access to cash powers.</p><p> </p><p>The government believes it should remain the choice of individual businesses as to whether to accept or decline any form of payment, including cash or card, based on their consideration of factors such as customer preference and cost. However, the government considers that its legislation will indirectly support cash acceptance in the wider economy, enabling businesses to continue accepting cash by ensuring they have reasonable access to deposit facilities.</p> answering member printed Baroness Vere of Norbiton question first answered 24/05/2024 09:10:38 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	4308 label Biography information for The Lord Bishop of St Albans

1716972

registered interest
date	09/05/2024
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, whether he plans to bring forward legislative proposals to reinforce the status of cash as legal tender.
tabling member constituency	Slough
tabling member printed	Mr Tanmanjeet Singh Dhesi
uin	25536
answer	answer is ministerial correction date of answer 17/05/2024 answer text <p>The forms of payment that are accepted should remain the choice of individual businesses , based on their consideration of factors such as customer preference and cost.</p><p>Nevertheless, the Government recognises that cash continues to be used by millions of people across the UK. The Financial Services and Markets Act 2023 established a new legislative framework to protect access to cash for consumers and businesses.</p> answering member constituency Mid Worcestershire answering member printed Nigel Huddleston question first answered 17/05/2024 12:27:02 answering member 4407 label Biography information for Nigel Huddleston
tabling member	4638 label Biography information for Mr Tanmanjeet Singh Dhesi

1656876

registered interest
date	01/09/2023
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, what steps his Department is taking to help ensure the continued acceptance of cash as a payment option within the UK.
tabling member constituency	Bolton North East
tabling member printed	Mark Logan
uin	197199
answer	answer is ministerial correction date of answer 11/09/2023 answer text <p>The government recognises that, to support people’s ability to continue to transact using cash, businesses need reasonable access to cash deposit facilities to support them to keep accepting cash.</p><p>The government legislated through the Financial Services and Markets Act 2023 to establish the Financial Conduct Authority as the lead regulator for access to cash and provide it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities. The government considers that this legislation will support organisations, including local businesses, to continue accepting cash by ensuring that they have reasonable access to cash deposit facilities.</p><p> </p><p>Following this, the government recently published a Cash Access Policy Statement, which sets out the government’s policies on access to cash. The FCA is required by law to have regard to these policies when determining its regulatory approach. The FCA will publicly consult on its regulatory approach in due course. The government’s policy statement is available on gov.uk: <a href="https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement" target="_blank">https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 11/09/2023 14:58:48 answering member 4874 label Biography information for Andrew Griffith
tabling member	4815 label Biography information for Mark Logan

1657252

registered interest
date	01/09/2023
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, whether he plans to make an assessment of the potential merits of the Don't Kill Cash petition delivered to Downing Street on 17 August 2023.
tabling member constituency	Solihull
tabling member printed	Julian Knight
uin	196891
answer	answer is ministerial correction date of answer 11/09/2023 answer text <p>The government recognises that while the transition towards digital payments brings many opportunities, cash continues to be used by many people across the UK, including those who may be in vulnerable groups.</p><p> </p><p>The government legislated through the Financial Services and Markets Act 2023 to establish a new legislative framework to protect access to cash. This establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provides it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities. The government considers that this legislation will support organisations, including local businesses, to continue accepting cash by ensuring that they have reasonable access to cash deposit facilities.</p><p> </p><p>Following this, the government recently published a Cash Access Policy Statement, which sets out the government’s policies on access to cash. The FCA is required by law to have regard to these policies when determining its regulatory approach. The FCA will publicly consult on its regulatory approach in due course. The government’s policy statement is available on gov.uk: <a href="https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement" target="_blank">https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement</a></p><p> </p><p>In the context of the government’s legislation, the financial services sector is working together to develop and provide shared cash services, such as Banking Hubs and cash deposit services. To date, industry has committed to deliver new shared cash services in over 140 communities.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 11/09/2023 13:09:16 answering member 4874 label Biography information for Andrew Griffith
tabling member	4410 label Biography information for Julian Knight

1657311

registered interest
date	01/09/2023
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, what steps his Department is taking to facilitate the acceptance of cash across the UK.
tabling member constituency	Scunthorpe
tabling member printed	Holly Mumby-Croft
uin	197263
answer	answer is ministerial correction date of answer 07/09/2023 answer text <p>The government recognises that, to support people’s ability to continue to transact using cash, businesses need reasonable access to cash deposit facilities to support them to keep accepting cash.</p><p> </p><p>The government therefore legislated through the Financial Services and Markets Act 2023 to establish the Financial Conduct Authority as the lead regulator for access to cash and provide it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities.</p><p> </p><p>The government considers that this legislation will support organisations, including local businesses, to continue accepting cash by ensuring that they have reasonable access to cash deposit facilities.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 07/09/2023 12:57:30 answering member 4874 label Biography information for Andrew Griffith
tabling member	4867 label Biography information for Holly Mumby-Croft

1611698

registered interest
date	18/04/2023
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, what steps the Government is taking to help digitally enfranchise the elder generation and vulnerable groups as cash use becomes less accepted in society.
tabling member constituency	York Outer
tabling member printed	Julian Sturdy
uin	181242
answer	answer is ministerial correction date of answer 26/04/2023 answer text <p>The government is committed to the aim of ensuring that people, regardless of their background or income, have access to useful and affordable digital financial products and services.</p><p> </p><p>Access to a bank account is an important way to help achieve this. The government has legislated to require the nine largest personal current account providers in the UK to provide basic bank accounts, so customers are equipped with a bank card and can access digital banking and payment services. As of June 2022, 7.4 million basic bank accounts were open. In addition, like all service providers, banks and building societies are bound under the Equality Act 2010 to make reasonable adjustments, where necessary, in the way they deliver their services.</p><p> </p><p>To facilitate the adoption of digital services more broadly, the government is also supporting the roll-out of digital connectivity across the UK and improving access to digital skills training for adults.</p><p>The government also recognises that cash continues to be used by millions of people across the UK including those in vulnerable groups. The government is taking legislation to protect access to cash across the UK through Parliament as part of the Financial Services and Markets Bill. Further details can be found on the Parliament website: <a href="https://bills.parliament.uk/bills/3326" target="_blank">https://bills.parliament.uk/bills/3326</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 26/04/2023 15:09:29 answering member 4874 label Biography information for Andrew Griffith
tabling member	4079 label Biography information for Julian Sturdy

1464859

registered interest
date	23/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Money
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what estimate they have made of the number of people who use cash in transactions; and whether this number is (1) increasing, or (2) decreasing.
tabling member printed	Lord Patten
uin	HL443
answer	answer is ministerial correction date of answer 06/06/2022 answer text <p>The Government recognises that cash remains an important part of daily life for millions of people across the UK, and remains committed to legislating to protect access to cash.</p><p>UK Finance’s UK Payment Markets report publishes figures annually on cash use in the UK. Cash remained the second most frequently used payment method in the UK as of 2020, representing almost a fifth (17%) of all total payments made. This is a reduction from 56% a decade earlier and 23% in 2019.</p><p> </p><p>The Financial Conduct Authority (FCA) publishes data on access to cash coverage across the UK. As of the third quarter of 2021, the FCA reported that nearly 96% of the UK population are within 2km of a free-to-use cash access point.</p><p> </p><p>The Government intends to introduce legislation on cash access as part of the Financial Services and Markets Bill when Parliamentary time allows. The Government recently published a summary of responses to the Access to Cash consultation, setting out the Government’s planned approach to legislating for access to cash. The Government’s planned legislation will ensure that people can continue to use cash in their day-to-day lives, and that local businesses can continue accepting cash.</p> answering member printed Baroness Penn grouped question UIN HL444 question first answered 06/06/2022 10:25:43 answering member 4726 label Biography information for Baroness Penn
tabling member	1137 label Biography information for Lord Patten

1457433

registered interest
date	14/04/2022
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, what steps his Department is taking to ensure that people have (a) access to cash and (b) the ability to use cash.
tabling member constituency	Windsor
tabling member printed	Adam Afriyie
uin	153863
answer	answer is ministerial correction date of answer 26/04/2022 answer text <p>The government recognises that cash is an important part of daily life for millions of people across the UK, and remains committed to legislating to protect access to cash.</p><p> </p><p>As part of the Financial Services Act 2021, the government made legislative changes to support the widespread offering of cashback without a purchase by shops and other businesses. The government's view is that cashback without a purchase has the potential to be a valuable facility to cash users.</p><p> </p><p>From 1 July to 23 September last year, the government held the Access to Cash Consultation on further proposals for new laws to make sure people only need to travel a reasonable distance to pay in or take out cash. The government’s proposals intend to support the continued use of cash in people’s daily lives and help to enable local businesses to continue accepting cash by ensuring they can access deposit facilities. The government has carefully considered responses to the consultation and will set out next steps in due course.</p><p> </p><p>Following the government’s commitment to legislate, firms are working together through the Cash Action Group to develop new initiatives to provide shared services. The government welcomes the direction set by industry’s commitments at the end of last year and looks forward to seeing what results they deliver in protecting cash facilities for local communities across the UK.</p> answering member constituency Salisbury answering member printed John Glen question first answered 26/04/2022 13:57:16 answering member 4051 label Biography information for John Glen
tabling member	1586 label Biography information for Adam Afriyie

1454390

registered interest
date	25/03/2022
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, what steps his Department is taking to support the use of cash and increase access to cash machines.
tabling member constituency	Ealing, Southall
tabling member printed	Mr Virendra Sharma
uin	147124
answer	answer is ministerial correction date of answer 31/03/2022 answer text <p>The Government recognises that cash remains an important part of daily life for millions of people across the UK, and remains committed to legislating to protect access to cash.</p><p> </p><p>From 1 July to 23 September last year, the Government held the Access to Cash Consultation on proposals for new laws to make sure people only need to travel a reasonable distance to pay in or take out cash. The Government’s proposals intend to support the continued use of cash in people’s daily lives and help to enable local businesses to continue accepting cash by ensuring they can access deposit facilities.</p><p> </p><p>The Government received responses to the consultation from a broad range of respondents, including individuals, businesses, and charities. The Government has carefully considered responses to the consultation and will set out next steps in due course.</p> answering member constituency Salisbury answering member printed John Glen question first answered 31/03/2022 07:17:47 answering member 4051 label Biography information for John Glen
tabling member	1604 label Biography information for Mr Virendra Sharma

1439446

registered interest
date	09/03/2022
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, what steps his Department is taking to encourage businesses to accept cash payments following the end of covid-19 restrictions.
tabling member constituency	York Outer
tabling member printed	Julian Sturdy
uin	137302
answer	answer is ministerial correction date of answer 18/03/2022 answer text <p>The government recognises that the ability to transact in cash remains important to millions of people across the UK and has committed to legislating to protect access to cash.</p><p> </p><p>Last year, the government held an Access to Cash Consultation on proposals for new laws to make sure people only need to travel a reasonable distance to pay in or take out cash. The government’s proposals intend to support the continued use of cash in people’s daily lives and help to enable local businesses to continue accepting cash by ensuring they can access deposit facilities.</p><p> </p><p>The FCA has published research on cash acceptance by small and medium-sized enterprises (SMEs), which found that the primary motivation for accepting cash is to provide customers with choice. While it remains the individual retailer’s choice as to whether to accept or decline any form of payment, including cash or card, nearly all (98%) of surveyed businesses stated they would never turn away a customer if they needed to pay by cash.</p> answering member constituency Salisbury answering member printed John Glen question first answered 18/03/2022 11:59:18 answering member 4051 label Biography information for John Glen
tabling member	4079 label Biography information for Julian Sturdy