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874866

registered interest
date	29/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether the Government plans to cap the maximum sum of money people can borrow from rent to own and doorstep lenders.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	135167
answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>The Government transferred the regulation of consumer credit to the Financial Conduct Authority (FCA) in 2014 and has given the FCA strong powers to protect consumers. This was demonstrated by the FCA announcement in October 2017 that BrightHouse, a rent-to-own firm, would pay over £14.8 million in redress to 249,000 customers in respect of agreements which may not have been affordable, and payments which should have been refunded.</p><p> </p><p>The Government has also given the FCA the power to cap the cost of all forms of credit, and the FCA can do so if it thinks it is necessary to protect consumers. The FCA’s review of the high-cost credit sector has identified concerns about the high costs of rent-to-own borrowing, as well as concerns about repeat borrowing and refinancing in the doorstep lending sector. The FCA has said that it will consult on proposed remedies in May 2018.</p><p> </p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 135169 question first answered 18/04/2018 13:03:39 answering member 4051 label Biography information for John Glen
tabling member	3985 label Biography information for Robert Halfon

874867

registered interest
date	29/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Services: Education
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what plans the Government has to increase access to financial education for people on low incomes.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	135168
answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>Government policy on financial education and capability focuses on ensuring that people have the confidence and skills they need to successfully engage with their finances. To this end the Government established the Money Advice Service (MAS), which provides free-to-use financial guidance and coordinates the UK’s Financial Capability Strategy. This is a 10-year strategy which aims to gather evidence on the most effective interventions to improve people’s financial capability, and support and coordinate initiatives that are proven to work. As part of this strategy MAS will shortly publish plans to commission projects to help working age adults manage their money, which will include a focus on households on low incomes. The plans will also focus on the financial capability needs of children and young people at home, in school, and in community settings.</p><p>Moving forward, the Government is legislating to merge the functions of MAS with those of The Pensions Advisory Service (TPAS) and Pension Wise, to create a Single Financial Guidance Body to simplify the existing public financial guidance landscape. The government’s commitment to improving people’s financial capability is reflected in the new body’s strategic function to develop and coordinate a national strategy to improve the financial capability of members of the public, which will build on and further progress MAS’s work.</p><p>It is also particularly important that children and young adults receive financial education to help them shape their financial habits later in life. This is why financial literacy was made statutory within the national curriculum in England in 2014, as part of the curriculum for citizenship education for 11-16 year olds.</p> answering member constituency Salisbury answering member printed John Glen question first answered 18/04/2018 13:10:16 answering member 4051 label Biography information for John Glen
tabling member	3985 label Biography information for Robert Halfon

874868

registered interest
date	29/03/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the rent-to-own and doorstep lending industry on how they target customers.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	135169
answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>The Government transferred the regulation of consumer credit to the Financial Conduct Authority (FCA) in 2014 and has given the FCA strong powers to protect consumers. This was demonstrated by the FCA announcement in October 2017 that BrightHouse, a rent-to-own firm, would pay over £14.8 million in redress to 249,000 customers in respect of agreements which may not have been affordable, and payments which should have been refunded.</p><p> </p><p>The Government has also given the FCA the power to cap the cost of all forms of credit, and the FCA can do so if it thinks it is necessary to protect consumers. The FCA’s review of the high-cost credit sector has identified concerns about the high costs of rent-to-own borrowing, as well as concerns about repeat borrowing and refinancing in the doorstep lending sector. The FCA has said that it will consult on proposed remedies in May 2018.</p><p> </p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 135167 question first answered 18/04/2018 13:03:39 answering member 4051 label Biography information for John Glen
tabling member	3985 label Biography information for Robert Halfon

873700

registered interest
date	28/03/2018
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Apprentices: Degrees
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, with reference to the Institute for Apprenticeship's policy document of February 2018, Faster and better: Transforming the development of quality apprenticeship standards, what steps he plans to take to help prospective applicants to degree apprenticeships and their advisers understand which programmes offer a degree qualification.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	134814
answer	answer is ministerial correction date of answer 19/04/2018 answer text <p>This is a matter for the Institute for Apprenticeships. I have asked its Chief Exectuive, Sir Gerry Berragan, to write to my right hon. Friend, the Member for Harlow and a copy of his reply will be placed in the Libraries of both Houses.</p> answering member constituency Guildford answering member printed Anne Milton question first answered 19/04/2018 07:37:52 answering member 1523 label Biography information for Anne Milton
tabling member	3985 label Biography information for Robert Halfon

870209

registered interest
date	23/03/2018
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Schools: Vocational Guidance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, how many career adviser networks have been approved by the Careers Enterprise Company; and where those networks are located.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	134073
answer	answer is ministerial correction date of answer 04/04/2018 answer text <p>The Careers &amp; Enterprise Company's Enterprise Adviser Network is now active in all 38 Local Enterprise Partnership areas in England. Since the launch of the Network, over 2,000 Enterprise Advisers have signed up, and nearly 1,500 of those are already working with schools and colleges to support their careers and enterprise provision.</p><p> </p><p>An evaluation of the first two years of the Enterprise Adviser Network was published in November 2017 and can be found on The Careers &amp; Enterprise Company’s website at <a href="http://www.careersandenterprise.co.uk/research/publications/fuelling-young-peoples-futures" target="_blank">www.careersandenterprise.co.uk/research/publications/fuelling-young-peoples-futures</a>. The evaluation found that the Network is already having a positive impact. Schools and colleges reported their students were benefiting from 50% more employer encounters than previously.</p> answering member constituency Guildford answering member printed Anne Milton grouped question UIN 134074 question first answered 04/04/2018 13:23:56 answering member 1523 label Biography information for Anne Milton
tabling member	3985 label Biography information for Robert Halfon

870210

registered interest
date	23/03/2018
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Schools: Vocational Guidance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, what recent assessment his Department has made of the effectiveness of the Career Adviser Network; and if he will make a statement.
tabling member constituency	Harlow
tabling member printed	Robert Halfon
uin	134074
answer	answer is ministerial correction date of answer 04/04/2018 answer text <p>The Careers &amp; Enterprise Company's Enterprise Adviser Network is now active in all 38 Local Enterprise Partnership areas in England. Since the launch of the Network, over 2,000 Enterprise Advisers have signed up, and nearly 1,500 of those are already working with schools and colleges to support their careers and enterprise provision.</p><p> </p><p>An evaluation of the first two years of the Enterprise Adviser Network was published in November 2017 and can be found on The Careers &amp; Enterprise Company’s website at <a href="http://www.careersandenterprise.co.uk/research/publications/fuelling-young-peoples-futures" target="_blank">www.careersandenterprise.co.uk/research/publications/fuelling-young-peoples-futures</a>. The evaluation found that the Network is already having a positive impact. Schools and colleges reported their students were benefiting from 50% more employer encounters than previously.</p> answering member constituency Guildford answering member printed Anne Milton grouped question UIN 134073 question first answered 04/04/2018 13:23:56 answering member 1523 label Biography information for Anne Milton
tabling member	3985 label Biography information for Robert Halfon