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1643113

registered interest
date	08/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the potential merits of introducing stronger regulatory requirements for banks on disclosure of lending criteria to borrowing customers.
tabling member constituency	Weaver Vale
tabling member printed	Mike Amesbury
uin	188627
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>The government is committed to ensuring that consumers are able to access credit where appropriate, so that they can achieve their financial goals. However, the government does not believe that it would be appropriate for lenders to disclose their precise lending criteria.</p><p> </p><p>Financial Conduct Authority (FCA) rules require lenders to undertake creditworthiness and affordability assessments before lending to a potential borrower. These rules are based on the principle that money should only be lent to a consumer if they can afford to repay it. The rules set out what is expected of firms, and the sanctions if they lend irresponsibly. Firms are free to use a variety of methods and processes to assess credit risk and affordability, and firms can decide what is appropriate in the circumstances.</p><p> </p><p>However, every lender will have its own idea of the particular profile of person that it wishes to lend to. Such information is commercially sensitive and its disclosure could lead to consumers being incentivised to provide misleading information in their credit application and accessing credit products that might not be appropriate for them.</p><p> </p><p>The government is committed to high regulatory standards and will continue to work with regulators to ensure consumer lending is responsible.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 12/06/2023 14:42:50 answering member 4874 label Biography information for Andrew Griffith
tabling member	4667 label Biography information for Mike Amesbury

1642509

registered interest
date	07/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages: Interest Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether he has held recent discussions with banks on fixed rate mortgages for first time buyers.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	188273
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>HM Treasury is regularly in contact with mortgage lenders on all aspects of their mortgage business to understand their position and current lending conditions. There is a wide choice of fixed-rate mortgage products available in the market for all prospective buyers. However, the pricing and availability of mortgages is ultimately a commercial decision for lenders in which the Government does not intervene.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 12/06/2023 14:40:44 answering member 4874 label Biography information for Andrew Griffith
tabling member	4131 label Biography information for Jim Shannon

1642532

registered interest
date	07/06/2023
answering body	Department for Energy Security and Net Zero
answering dept id	215
answering dept short name	Energy Security and Net Zero
answering dept sort name	Energy Security and Net Zero
hansard heading	Green Homes Grant Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Energy Security and Net Zero, if he will make an assessment of the adequacy of the services provided by Eaves Energy Solutions Ltd in providing works funded by the public purse under the Green Homes Grant voucher scheme; and what assessment he has made of the (a) adequacy and (b) value for money of energy improvement works more broadly to homes under that scheme.
tabling member constituency	Walsall South
tabling member printed	Valerie Vaz
uin	188257
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Under the Green Homes Grant voucher scheme, installers were TrustMark-registered, MCS-certified for heat and PAS-certified for energy efficiency, therefore thoroughly vetted against trading practices. Installers regularly had their work inspected to ensure quality. The scheme monitored quotes provided by installers to prevent over-charging and robust counter-fraud measures were built into the scheme.</p><p> </p><p>Interim findings from the scheme evaluation, including on installation quality and initial assessment of value for money, were published in January 2023. The final evaluation will be published Summer/Autumn 2023.</p><p> </p><p>Constituents should raise complaints regarding an installation directly with their installer. If their issues are not resolved, further information can be found here: <a href="https://eur02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.trustmark.org.uk%2Fhomeowners%2Fif-things-go-wrong&amp;data=05%7C01%7CParliamentary.PQ%40energysecurity.gov.uk%7C060b55b011ba44ef480508db6b36382a%7Ccbac700502c143ebb497e6492d1b2dd8%7C0%7C0%7C638221652829852724%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=sNW0v3pSu8Qbz8yUFNtvtRZ97HpE3fWm87pdiYRx7GA%3D&amp;reserved=0" target="_blank">https://www.trustmark.org.uk/homeowners/if-things-go-wrong</a>.</p> answering member constituency Beverley and Holderness answering member printed Graham Stuart question first answered 12/06/2023 12:55:14 answering member 1482 label Biography information for Graham Stuart
tabling member	4076 label Biography information for Valerie Vaz

1642536

registered interest
date	07/06/2023
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Children
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, whether his Department has made an estimate of the cost to the public purse of removing the two children limit for support provided through (a) the Child Tax Credit and (b) Universal Credit.
tabling member constituency	North Norfolk
tabling member printed	Duncan Baker
uin	188389
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>The latest available estimate was made in 2019, which can be found here <a href="https://questions-statements.parliament.uk/written-questions/detail/2019-10-03/294148" target="_blank">Written questions and answers - Written questions, answers and statements - UK Parliament</a></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 12/06/2023 13:16:45 answering member 4142 label Biography information for Guy Opperman
tabling member	4784 label Biography information for Duncan Baker

1642540

registered interest
date	07/06/2023
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Nuclear Submarines: Decommissioning
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Defence, how many decommissioned nuclear submarines were dismantled in each of the last five calendar years.
tabling member constituency	North Durham
tabling member printed	Mr Kevan Jones
uin	188205
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Good progress continues to be made with dismantling decommissioned submarines in Rosyth. The first stage of dismantling, including the removal of all Low-Level radioactive Waste, has been completed on four platforms, Swiftsure, Resolution, Revenge and Repulse. Swiftsure will be the first submarine to be fully dismantled by the end of 2026.</p> answering member constituency South Suffolk answering member printed James Cartlidge question first answered 12/06/2023 14:48:48 answering member 4519 label Biography information for James Cartlidge
tabling member	1438 label Biography information for Mr Kevan Jones

1642541

registered interest
date	07/06/2023
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Nuclear Submarines: Decommissioning
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Defence, how many decommissioned nuclear submarines are yet to be dismantled as of 1 June 2023.
tabling member constituency	North Durham
tabling member printed	Mr Kevan Jones
uin	188206
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>There are 22 decommissioned submarines awaiting disposal as of 1 June 2023.</p> answering member constituency South Suffolk answering member printed James Cartlidge question first answered 12/06/2023 14:40:15 answering member 4519 label Biography information for James Cartlidge
tabling member	1438 label Biography information for Mr Kevan Jones

1642596

registered interest
date	07/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Apprentices: Finance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how much funding the Scottish Government has received in each year since 2015-16 for the training provided for apprenticeships.
tabling member constituency	Chesterfield
tabling member printed	Mr Toby Perkins
uin	188238
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Rather than receiving funding for specific programmes or policy areas, the devolved administrations receive block grants from the UK Government. It is generally for the devolved administrations to decide how to allocate their block grant funding in devolved areas.</p><p> </p><p>All changes to devolved administration block grants are published in the Block Grant Transparency document, which is due to be updated shortly. The latest publication is here: <a href="https://www.gov.uk/government/publications/block-grant-transparency-december-2021" target="_blank">https://www.gov.uk/government/publications/block-grant-transparency-december-2021</a></p><p> </p><p>The devolved administrations are well-funded to deliver all their devolved responsibilities, each receiving over 20% more funding per person than equivalent UK Government spending in other parts of the UK. This is around 25% more for the Scottish Government and around 20% more for the Welsh Government and NI Executive.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 188239 188240 question first answered 12/06/2023 11:04:39 answering member 4051 label Biography information for John Glen
tabling member	3952 label Biography information for Mr Toby Perkins

1642598

registered interest
date	07/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Apprentices: Finance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how much funding the Welsh Government has received in each year since 2015-16 for the training provided for apprenticeships.
tabling member constituency	Chesterfield
tabling member printed	Mr Toby Perkins
uin	188239
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Rather than receiving funding for specific programmes or policy areas, the devolved administrations receive block grants from the UK Government. It is generally for the devolved administrations to decide how to allocate their block grant funding in devolved areas.</p><p> </p><p>All changes to devolved administration block grants are published in the Block Grant Transparency document, which is due to be updated shortly. The latest publication is here: <a href="https://www.gov.uk/government/publications/block-grant-transparency-december-2021" target="_blank">https://www.gov.uk/government/publications/block-grant-transparency-december-2021</a></p><p> </p><p>The devolved administrations are well-funded to deliver all their devolved responsibilities, each receiving over 20% more funding per person than equivalent UK Government spending in other parts of the UK. This is around 25% more for the Scottish Government and around 20% more for the Welsh Government and NI Executive.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 188238 188240 question first answered 12/06/2023 11:04:39 answering member 4051 label Biography information for John Glen
tabling member	3952 label Biography information for Mr Toby Perkins

1642599

registered interest
date	07/06/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Apprentices: Finance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, how much funding the Northern Irish Government has received in each year since 2015-16 for the training provided for apprenticeships.
tabling member constituency	Chesterfield
tabling member printed	Mr Toby Perkins
uin	188240
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Rather than receiving funding for specific programmes or policy areas, the devolved administrations receive block grants from the UK Government. It is generally for the devolved administrations to decide how to allocate their block grant funding in devolved areas.</p><p> </p><p>All changes to devolved administration block grants are published in the Block Grant Transparency document, which is due to be updated shortly. The latest publication is here: <a href="https://www.gov.uk/government/publications/block-grant-transparency-december-2021" target="_blank">https://www.gov.uk/government/publications/block-grant-transparency-december-2021</a></p><p> </p><p>The devolved administrations are well-funded to deliver all their devolved responsibilities, each receiving over 20% more funding per person than equivalent UK Government spending in other parts of the UK. This is around 25% more for the Scottish Government and around 20% more for the Welsh Government and NI Executive.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 188238 188239 question first answered 12/06/2023 11:04:39 answering member 4051 label Biography information for John Glen
tabling member	3952 label Biography information for Mr Toby Perkins

1642600

registered interest
date	07/06/2023
answering body	Department for Energy Security and Net Zero
answering dept id	215
answering dept short name	Energy Security and Net Zero
answering dept sort name	Energy Security and Net Zero
hansard heading	Mineworkers' Pension Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Energy Security and Net Zero, what recent assessment he has made of the adequacy of the Mineworkers’ Pension Scheme.
tabling member constituency	Barnsley Central
tabling member printed	Dan Jarvis
uin	188284
answer	answer is ministerial correction date of answer 12/06/2023 answer text <p>Department officials meet the Mineworkers’ Pension Scheme (MPS) Trustees regularly to monitor the performance of the MPS. The Scheme works well for all parties. A triennial valuation will begin towards the end of the year.</p> answering member constituency Beverley and Holderness answering member printed Graham Stuart question first answered 12/06/2023 12:58:22 answering member 1482 label Biography information for Graham Stuart
tabling member	4243 label Biography information for Dan Jarvis