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1127020

registered interest
date	15/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of any increase in complaints regarding short-term and payday lenders related to those suffering with problem debt.
tabling member printed	Lord Taylor of Warwick
uin	HL15781
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market, transferring regulatory responsibility to the Financial Conduct Authority (FCA) on 1 April 2014.</p><p> </p><p>The FCA requires payday lenders to carry out robust affordability checks, limits the number of times a payday loan can be rolled over to two, places tough restrictions on lenders’ use of continuous payment authorities, and requires all payday lending adverts to include a risk warning and information about where to get free debt advice.</p><p> </p><p>The Government has given the FCA strong powers to protect consumers and to take action against firms and individuals that do not meet its standards. In 2018, the FCA issued total fines of £60 million.</p><p><strong> </strong></p><p>On problem debt more broadly, the Government is implementing its manifesto commitment to introduce a breathing space and statutory debt repayment plan. The two polices aim to give people in problem debt the opportunity to take control of their finances and put them on a sustainable footing.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:23:21 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1796 label Biography information for Lord Taylor of Warwick

1126727

registered interest
date	14/05/2019
answering body	Department for Business, Energy and Industrial Strategy
answering dept id	201
answering dept short name	Business, Energy and Industrial Strategy
answering dept sort name	Business, Energy and Industrial Strategy
hansard heading	Motor Vehicles: Manufacturing Industries
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 the automotive sector of recent announcements by Honda and other car manufacturers of expected job losses in the UK.
tabling member printed	Lord Taylor of Warwick
uin	HL15744
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>This is a concerning time for the 3,500 workers at the Swindon plant and the many thousands of people employed by companies in Honda UK’s supply chain. The Government will come together to provide support for those affected by this and other decisions.</p><p> </p><p>Despite this disappointing news, government believes that the case for continued investment in the UK is exceptionally strong, and that Honda and our strategic technology priorities are aligned. The UK has some of the best talent in the world and the Government is already investing in future car manufacturing, batteries and electrification infrastructure to ensure the UK retains its world-leading edge. The UK continues to be one of the most competitive locations in the world for automotive and other advanced manufacturing. We continue to support individual company investments in technology transition, and we are committed to maintaining and growing our domestic supply chain and highly skilled workforce.</p><p> </p><p>We recognise the challenges facing automotive businesses, including the prevailing market conditions in Europe, but strongly believe that companies in automotive and other sectors can continue to take advantage of the UK’s business environment and the opportunities arising from accessing new and developing markets in the UK and overseas.</p><p> </p><p>We are determined to ensure that the UK continues to be one of the most competitive locations in the world for the automotive sector. BEIS Ministers and officials regularly engage with the automotive industry, including bilaterals with manufacturers, interactions via trade associations, and through the Department’s participation in the Automotive Council.</p> answering member printed Lord Henley question first answered 22/05/2019 16:28:04 answering member 2616 label Biography information for Lord Henley
tabling member	1796 label Biography information for Lord Taylor of Warwick

1126330

registered interest
date	13/05/2019
answering body	Department for Digital, Culture, Media and Sport
answering dept id	10
answering dept short name	Digital, Culture, Media and Sport
answering dept sort name	Digital, Culture, Media and Sport
hansard heading	Telephones: Fees and Charges
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether the cap on the cost of phone calls between EU member states will apply to UK consumers until the end of any transition period, in the event that a Brexit deal is agreed.
tabling member printed	Lord Taylor of Warwick
uin	HL15690
answer	answer is ministerial correction date of answer 23/05/2019 answer text Under the draft Withdrawal Agreement, EU law will continue to apply in the UK during the Implementation Period (subject to certain exceptions), including EU law that comes into force during the Implementation Period. That will include the Regulation that caps the cost of phone calls via landline and mobile phone or SMS made from one EU country to another.   answering member printed Lord Ashton of Hyde question first answered 23/05/2019 13:51:28 answering member 4247 label Biography information for Lord Ashton of Hyde
tabling member	1796 label Biography information for Lord Taylor of Warwick

1126332

registered interest
date	13/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banking Hubs: Competition
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 update competition law to allow for shared banking hubs in areas where local bank branches have been closed.
tabling member printed	Lord Taylor of Warwick
uin	HL15692
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>Branch closures can be difficult for the communities affected and the Government pays close attention to this issue. However, the decision to close a branch is a commercial one for a firm, and Government does not intervene in those decisions.</p><p> </p><p>However, the Government is equally clear that as banking providers seek to respond to technological advances and changes in customer behaviour, they must also consider carefully the needs of those who still rely on their local bank branch. Since May 2017, the major high street banks have been signed up to the Access to Banking Standard, which commits them to work with customers and communities to minimise the impact of branch closures and put in place alternative banking services.</p><p> </p><p>The Government also supports the Post Office Banking Framework Agreement which enables 99% of the UK’s personal and 95% of the UK’s small business customers to withdraw money, deposit cash and cheques and check balances at any one of the Post Office’s network of 11,500 branches.</p><p> </p><p> </p><p>While banks do have to comply with competition law, there is no specific regulation that prevents banks from sharing branches or other premises where their strategies align. The Government therefore has no plans to update competition law on this basis. Government does not intervene in these commercial decisions, but will continue to encourage banks to think creatively about how they can ensure that consumers can access a wide range of banking services on a sustainable basis. For example, NatWest, Lloyds Bank and Barclays are trialling shared business banking hubs in 6 locations across the UK in the coming weeks.</p> answering member printed Lord Young of Cookham question first answered 22/05/2019 16:37:43 answering member 57 label Biography information for Lord Young of Cookham
tabling member	1796 label Biography information for Lord Taylor of Warwick

1125860

registered interest
date	09/05/2019
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Airline Insolvency Review
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 response from representatives of the aviation industry to the proposals outlined in the Airline Insolvency Review.
tabling member printed	Lord Taylor of Warwick
uin	HL15650
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>The Government has not made any assessment of the immediate response from the aviation industry to the Final Report from the independent Airline Insolvency Review, which was published on 9 May 2019.</p><p> </p><p>In the Written Ministerial Statement (HCWS 1546) on the 9 May 2019, the Secretary of State for Transport noted that Government is considering the range of options put forward by the review and will work swiftly to introduce the reforms that are needed to ensure a strong level of consumer protection and value for money for the taxpayer. In doing so the Secretary of State also acknowledged a need to consider the challenges faced by the aviation sector.</p><p> </p><p>The Secretary of State also indicated in the Written Ministerial Statement (HCWS 1546) on the 9 May 2019, that he would welcome views on the independent Airline Insolvency Review recommendations, including those from the aviation industry, as part of the ongoing consultation on Aviation 2050 and is encouraging stakeholders to respond by the 20 June 2019 when the consultation closes.</p><p> </p><p> </p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 21/05/2019 14:13:16 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	1796 label Biography information for Lord Taylor of Warwick

1125861

registered interest
date	09/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Education: Migrant Workers
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to increase recruitment of staff from non-EU countries in the UK education sector after Brexit.
tabling member printed	Lord Taylor of Warwick
uin	HL15651
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>The department is committed to ensuring that schools are able to recruit appropriately to fill their teacher vacancies. The majority of teachers in schools in England are recruited from within the UK and our priority is to meet our teacher recruitment needs domestically. However, schools have always been able to recruit staff internationally, and teachers from overseas make an important contribution to our education system.</p><p> </p><p>The department runs programmes to help schools recruit from overseas. Our Science, Technology, Engineering and Mathematics International Teacher Recruitment Programme supports state-funded secondary schools in England with the recruitment of maths and physics teachers from Australia, Canada, New Zealand, and the USA.</p><p> </p><p>In our recently published ‘Teacher Recruitment and Retention Strategy’, we committed to exploring opportunities to develop new and existing partnerships, focusing particularly on language teachers, in order to boost the recruitment of teachers from overseas.</p><p> </p><p>The government’s white paper ‘The UK’s future skills-based immigration system’, outlined proposals to introduce a new skilled workers route, open to all countries across the globe with an expanded skills threshold covering work at Regulated Qualifications Framework level 3 and above, including teachers. Those coming to the UK on this route will need to be sponsored by an employer.</p><p> </p><p>As part of developing this new immigration system the Home Office is undertaking a programme of extensive engagement with stakeholders across the whole of the UK to shape the final details of policy and processes, and the department will continue to work very closely with them on this.</p> answering member printed Lord Agnew of Oulton question first answered 21/05/2019 16:15:30 answering member 4689 label Biography information for Lord Agnew of Oulton
tabling member	1796 label Biography information for Lord Taylor of Warwick

1125862

registered interest
date	09/05/2019
answering body	Department for Exiting the European Union
answering dept id	203
answering dept short name	Exiting the European Union
answering dept sort name	Exiting the European Union
hansard heading	Brexit
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 economic impact of a Brexit scenario where the UK stays in a customs union with the EU.
tabling member printed	Lord Taylor of Warwick
uin	HL15652
answer	answer is ministerial correction date of answer 22/05/2019 answer text <p>The negotiated Withdrawal Agreement and Political Declaration outline the UK and EU’s shared commitment to a free trade area for goods with no tariffs, quotas or rules of origin requirements. We are not seeking membership of the Single Market, or Customs Union, after we leave the EU, but a bold and ambitious economic partnership.</p><p>The government has delivered on its commitment to provide appropriate analysis to Parliament with a robust, objective assessment of how exiting the EU may affect the economy of the UK, sectors, nations and regions in the long run. The analysis considers four analytical scenarios and compares them to today’s arrangements: the UK position set out in the July 2018 White Paper, a hypothetical FTA, an EEA-type relationship and a no deal scenario.</p><p> </p> answering member printed Lord Callanan question first answered 22/05/2019 12:02:34 answering member 4336 label Biography information for Lord Callanan
tabling member	1796 label Biography information for Lord Taylor of Warwick