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1127751

registered interest
date	21/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Quality Assurance Agency for Higher Education: Finance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, for what reason Government funding was withdrawn for the Quality Assurance Agency's regulatory and Quality Assurance licensing of Access Validating Agency's for the new academic year 2019-20.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	256937
answer	answer is ministerial correction date of answer 04/06/2019 answer text <p>Under the Higher Education and Research Act 2017, the Office for Students cannot pay the Quality Assurance Agency for Higher Education (QAA) to regulate or quality assure Access Validating Agency’s or Access to Higher Education Courses beyond 31 July 2019.</p><p> </p><p>The department has spoken with the QAA to discuss how it is adapting to the conclusion of these historic contracts and will hold further discussions later in the year.</p><p> </p> answering member constituency Kingswood answering member printed Chris Skidmore question first answered 04/06/2019 07:42:47 answering member 4021 label Biography information for Chris Skidmore
tabling member	465 label Biography information for Gordon Marsden

1127127

registered interest
date	16/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Apprentices: Pay
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, when his Department plans to publish the Apprenticeship Pay Survey 2018.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	255276
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>The timetable for this year's Apprenticeship Pay Survey has been adjusted to allow the survey to be merged with the department's Apprenticeship Evaluation Survey. Apprenticeship Pay Survey fieldwork has been completed, and reporting is underway. The government will publish results in due course.</p> answering member constituency Guildford answering member printed Anne Milton question first answered 21/05/2019 15:42:47 answering member 1523 label Biography information for Anne Milton
tabling member	465 label Biography information for Gordon Marsden

1127220

registered interest
date	16/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Universities: Admissions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, what discussions he has had with representatives of (a) universities and (b) the education sector on sharing data on an applicant's (i) pupil premium status and (ii) ethnicity directly with universities for the purpose of widening access and participation in higher education.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	255277
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>Widening access and participation in higher education is a priority for this government. This means that everyone with the capability to succeed in higher education should have the opportunity to participate, regardless of their background or where they grew up.</p><p> </p><p>We have made real progress in ensuring universities are open to all, with record rates of disadvantaged 18 year olds in higher education. However, we know that more needs to be done to maximise the potential of the talent of future applicants to higher education courses, so it is vital that we build on this progress.</p><p> </p><p>Higher education providers need to use good quality and meaningful data to identify disadvantage in order to effectively address disparities in access and participation in higher education. We encourage institutions to use a range of measures to identify disadvantage, including individual-level indicators, area data (such as POLAR, Index of Multiple Deprivation or ACORN), school data, intersectional data such as the Universities and Colleges Admissions Service's (UCAS) multiple equality measure and participation in outreach activities.</p><p>To this end, we are working with the Office for Students, UCAS and sector representatives to further explore how we can support universities to improve and enhance access to data.</p><p> </p><p>We want institutions to consider a broad range of information in their offers, including the context in which a student’s results were achieved. We are committed to helping universities progress in their efforts to improve access and successful participation for under-represented groups.</p><p> </p> answering member constituency Kingswood answering member printed Chris Skidmore grouped question UIN 255278 255279 255280 question first answered 21/05/2019 15:57:19 answering member 4021 label Biography information for Chris Skidmore
tabling member	465 label Biography information for Gordon Marsden

1127221

registered interest
date	16/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Universities: Admissions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, what discussions he has had with (a) the Office for Students and (b) UCAS on the transmission of data on an applicant's (i) pupil premium status and (ii) ethnicity directly to universities for the purpose widening access and participation in higher education.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	255278
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>Widening access and participation in higher education is a priority for this government. This means that everyone with the capability to succeed in higher education should have the opportunity to participate, regardless of their background or where they grew up.</p><p> </p><p>We have made real progress in ensuring universities are open to all, with record rates of disadvantaged 18 year olds in higher education. However, we know that more needs to be done to maximise the potential of the talent of future applicants to higher education courses, so it is vital that we build on this progress.</p><p> </p><p>Higher education providers need to use good quality and meaningful data to identify disadvantage in order to effectively address disparities in access and participation in higher education. We encourage institutions to use a range of measures to identify disadvantage, including individual-level indicators, area data (such as POLAR, Index of Multiple Deprivation or ACORN), school data, intersectional data such as the Universities and Colleges Admissions Service's (UCAS) multiple equality measure and participation in outreach activities.</p><p>To this end, we are working with the Office for Students, UCAS and sector representatives to further explore how we can support universities to improve and enhance access to data.</p><p> </p><p>We want institutions to consider a broad range of information in their offers, including the context in which a student’s results were achieved. We are committed to helping universities progress in their efforts to improve access and successful participation for under-represented groups.</p><p> </p> answering member constituency Kingswood answering member printed Chris Skidmore grouped question UIN 255277 255279 255280 question first answered 21/05/2019 15:57:19 answering member 4021 label Biography information for Chris Skidmore
tabling member	465 label Biography information for Gordon Marsden

1127222

registered interest
date	16/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Universities: Admissions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, if he will make an assessment of how additional indicators of a pupil's disadvantage and under-representation in higher education can be made accessible to universities in order to widen participation and help such pupils access work.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	255279
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>Widening access and participation in higher education is a priority for this government. This means that everyone with the capability to succeed in higher education should have the opportunity to participate, regardless of their background or where they grew up.</p><p> </p><p>We have made real progress in ensuring universities are open to all, with record rates of disadvantaged 18 year olds in higher education. However, we know that more needs to be done to maximise the potential of the talent of future applicants to higher education courses, so it is vital that we build on this progress.</p><p> </p><p>Higher education providers need to use good quality and meaningful data to identify disadvantage in order to effectively address disparities in access and participation in higher education. We encourage institutions to use a range of measures to identify disadvantage, including individual-level indicators, area data (such as POLAR, Index of Multiple Deprivation or ACORN), school data, intersectional data such as the Universities and Colleges Admissions Service's (UCAS) multiple equality measure and participation in outreach activities.</p><p>To this end, we are working with the Office for Students, UCAS and sector representatives to further explore how we can support universities to improve and enhance access to data.</p><p> </p><p>We want institutions to consider a broad range of information in their offers, including the context in which a student’s results were achieved. We are committed to helping universities progress in their efforts to improve access and successful participation for under-represented groups.</p><p> </p> answering member constituency Kingswood answering member printed Chris Skidmore grouped question UIN 255277 255278 255280 question first answered 21/05/2019 15:57:19 answering member 4021 label Biography information for Chris Skidmore
tabling member	465 label Biography information for Gordon Marsden

1127223

registered interest
date	16/05/2019
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Universities: Admissions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, whether he has made an assessment of the extent to which sharing data on additional indicators of an applicant’s disadvantage and under-representation in higher education, including pupil premium status, free school meals eligibility and ethnicity can enable universities to make further progress on widening access and participation in higher education.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	255280
answer	answer is ministerial correction date of answer 21/05/2019 answer text <p>Widening access and participation in higher education is a priority for this government. This means that everyone with the capability to succeed in higher education should have the opportunity to participate, regardless of their background or where they grew up.</p><p> </p><p>We have made real progress in ensuring universities are open to all, with record rates of disadvantaged 18 year olds in higher education. However, we know that more needs to be done to maximise the potential of the talent of future applicants to higher education courses, so it is vital that we build on this progress.</p><p> </p><p>Higher education providers need to use good quality and meaningful data to identify disadvantage in order to effectively address disparities in access and participation in higher education. We encourage institutions to use a range of measures to identify disadvantage, including individual-level indicators, area data (such as POLAR, Index of Multiple Deprivation or ACORN), school data, intersectional data such as the Universities and Colleges Admissions Service's (UCAS) multiple equality measure and participation in outreach activities.</p><p>To this end, we are working with the Office for Students, UCAS and sector representatives to further explore how we can support universities to improve and enhance access to data.</p><p> </p><p>We want institutions to consider a broad range of information in their offers, including the context in which a student’s results were achieved. We are committed to helping universities progress in their efforts to improve access and successful participation for under-represented groups.</p><p> </p> answering member constituency Kingswood answering member printed Chris Skidmore grouped question UIN 255277 255278 255279 question first answered 21/05/2019 15:57:19 answering member 4021 label Biography information for Chris Skidmore
tabling member	465 label Biography information for Gordon Marsden

1125482

registered interest
date	08/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Asset Resolution
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 adequacy of the safeguards and mechanisms put in place by his Department and the Financial Conduct Authority between 2012 and 2018 in respect of the sale of UKAR loans to ensure that loan holders were able to transfer or get better terms from other regulated lenders instead of those companies to whom AKAR had sold their loans.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	251931
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>Customers have always been protected in UKAR asset sales. The government and UKAR consider the fair treatment of customers a priority for all asset sales and have always included customer protections in line with or that exceeded industry best practice for transactions of this nature.</p><p> </p><p>Bidders were required to agree to customer protections, which were non-negotiable, before the bids were assessed on price. These protections included: adherence to the Financial Conduct Authority’s principle of Treating Customers Fairly; where customers were on Standard Variable Rate mortgages, purchasers were restricted in the changes they could make to the Standard Variable Rate for 12 months; and, mortgage books that were sold had to be administered by Financial Conduct Authority regulated companies, and no changes could be made to the terms and conditions of any of the loans that had been sold.</p><p> </p><p>In addition to requiring bidders to agree to the protections outlined above, UKAR undertake due diligence on bidders, their proposed servicers and legal title holders of the loans to ensure that they have the necessary policies, procedures and governance in place to treat customers fairly.</p><p> </p><p>The details of all NRAM mortgage sales can be found on gov.uk. Both active and non-active lenders are invited to participate in UKAR sales to ensure a competitive process. In relation to the latest asset sale, UKAR’s advisors proactively invited the top 25 active lenders to participate. Notwithstanding this, UKAR have not received a bid from an active lender that covered the full portfolio of assets being sold.</p><p> </p><p>Whether to offer customers new mortgage products is a commercial decision for lenders and government does not intervene in individual cases.</p><p> </p><p>That said, the government welcomes the voluntary agreement entered into last year by UK Finance working with the FCA. Under this agreement, 59 authorised lenders representing 93 per cent of the UK’s residential mortgage market have agreed common standards to help existing borrowers on reversion rates who are up-to-date with repayments but, because of stricter affordability criteria, are currently ineligible, to move to an alternative product provided by their lender, where said lender is able to offer alternative products.</p><p> </p><p>HM Treasury has also worked closely with the FCA on their Mortgages Market Study and their planned changes to affordability assessments. These changes remove the regulatory barriers which previously might have prevented borrowers from accessing new mortgage deals, regardless of whether they are with active or inactive lenders. HM Treasury will continue to work closely with the FCA once the changes to their rules are implemented, to monitor the impact this will have on the market.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 251932 251933 251934 question first answered 13/05/2019 14:27:34 answering member 4051 label Biography information for John Glen
tabling member	465 label Biography information for Gordon Marsden

1125483

registered interest
date	08/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Asset Resolution
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment (a) his Department and (b) the Financial Conduct Authority have made of the legal responsibility of TSB and other banks whose organisation or subsidiary have bought loans from UKAR to allow people who had such loans but are not their customers to transfer or switch to another mortgage loan provider.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	251932
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>Customers have always been protected in UKAR asset sales. The government and UKAR consider the fair treatment of customers a priority for all asset sales and have always included customer protections in line with or that exceeded industry best practice for transactions of this nature.</p><p> </p><p>Bidders were required to agree to customer protections, which were non-negotiable, before the bids were assessed on price. These protections included: adherence to the Financial Conduct Authority’s principle of Treating Customers Fairly; where customers were on Standard Variable Rate mortgages, purchasers were restricted in the changes they could make to the Standard Variable Rate for 12 months; and, mortgage books that were sold had to be administered by Financial Conduct Authority regulated companies, and no changes could be made to the terms and conditions of any of the loans that had been sold.</p><p> </p><p>In addition to requiring bidders to agree to the protections outlined above, UKAR undertake due diligence on bidders, their proposed servicers and legal title holders of the loans to ensure that they have the necessary policies, procedures and governance in place to treat customers fairly.</p><p> </p><p>The details of all NRAM mortgage sales can be found on gov.uk. Both active and non-active lenders are invited to participate in UKAR sales to ensure a competitive process. In relation to the latest asset sale, UKAR’s advisors proactively invited the top 25 active lenders to participate. Notwithstanding this, UKAR have not received a bid from an active lender that covered the full portfolio of assets being sold.</p><p> </p><p>Whether to offer customers new mortgage products is a commercial decision for lenders and government does not intervene in individual cases.</p><p> </p><p>That said, the government welcomes the voluntary agreement entered into last year by UK Finance working with the FCA. Under this agreement, 59 authorised lenders representing 93 per cent of the UK’s residential mortgage market have agreed common standards to help existing borrowers on reversion rates who are up-to-date with repayments but, because of stricter affordability criteria, are currently ineligible, to move to an alternative product provided by their lender, where said lender is able to offer alternative products.</p><p> </p><p>HM Treasury has also worked closely with the FCA on their Mortgages Market Study and their planned changes to affordability assessments. These changes remove the regulatory barriers which previously might have prevented borrowers from accessing new mortgage deals, regardless of whether they are with active or inactive lenders. HM Treasury will continue to work closely with the FCA once the changes to their rules are implemented, to monitor the impact this will have on the market.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 251931 251933 251934 question first answered 13/05/2019 14:27:34 answering member 4051 label Biography information for John Glen
tabling member	465 label Biography information for Gordon Marsden

1125484

registered interest
date	08/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Asset Resolution
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, pursuant to the Answer of 23 April 2019 to Question 243349, if he will publish the details of the proportion of Northern Rock mortgage holders' loans that were sold to (a) inactive and (b) unregulated lenders between 2011 and 2018.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	251933
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>Customers have always been protected in UKAR asset sales. The government and UKAR consider the fair treatment of customers a priority for all asset sales and have always included customer protections in line with or that exceeded industry best practice for transactions of this nature.</p><p> </p><p>Bidders were required to agree to customer protections, which were non-negotiable, before the bids were assessed on price. These protections included: adherence to the Financial Conduct Authority’s principle of Treating Customers Fairly; where customers were on Standard Variable Rate mortgages, purchasers were restricted in the changes they could make to the Standard Variable Rate for 12 months; and, mortgage books that were sold had to be administered by Financial Conduct Authority regulated companies, and no changes could be made to the terms and conditions of any of the loans that had been sold.</p><p> </p><p>In addition to requiring bidders to agree to the protections outlined above, UKAR undertake due diligence on bidders, their proposed servicers and legal title holders of the loans to ensure that they have the necessary policies, procedures and governance in place to treat customers fairly.</p><p> </p><p>The details of all NRAM mortgage sales can be found on gov.uk. Both active and non-active lenders are invited to participate in UKAR sales to ensure a competitive process. In relation to the latest asset sale, UKAR’s advisors proactively invited the top 25 active lenders to participate. Notwithstanding this, UKAR have not received a bid from an active lender that covered the full portfolio of assets being sold.</p><p> </p><p>Whether to offer customers new mortgage products is a commercial decision for lenders and government does not intervene in individual cases.</p><p> </p><p>That said, the government welcomes the voluntary agreement entered into last year by UK Finance working with the FCA. Under this agreement, 59 authorised lenders representing 93 per cent of the UK’s residential mortgage market have agreed common standards to help existing borrowers on reversion rates who are up-to-date with repayments but, because of stricter affordability criteria, are currently ineligible, to move to an alternative product provided by their lender, where said lender is able to offer alternative products.</p><p> </p><p>HM Treasury has also worked closely with the FCA on their Mortgages Market Study and their planned changes to affordability assessments. These changes remove the regulatory barriers which previously might have prevented borrowers from accessing new mortgage deals, regardless of whether they are with active or inactive lenders. HM Treasury will continue to work closely with the FCA once the changes to their rules are implemented, to monitor the impact this will have on the market.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 251931 251932 251934 question first answered 13/05/2019 14:27:34 answering member 4051 label Biography information for John Glen
tabling member	465 label Biography information for Gordon Marsden

1125485

registered interest
date	08/05/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	UK Asset Resolution
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what discussions (a) he and (b) Ministers of his Department have had with the Financial Conduct Authority on whether Cerberus Capital Management is a fit and proper organisation to purchase mortgage loans from UK banks and his Department via UKAR.
tabling member constituency	Blackpool South
tabling member printed	Gordon Marsden
uin	251934
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>Customers have always been protected in UKAR asset sales. The government and UKAR consider the fair treatment of customers a priority for all asset sales and have always included customer protections in line with or that exceeded industry best practice for transactions of this nature.</p><p> </p><p>Bidders were required to agree to customer protections, which were non-negotiable, before the bids were assessed on price. These protections included: adherence to the Financial Conduct Authority’s principle of Treating Customers Fairly; where customers were on Standard Variable Rate mortgages, purchasers were restricted in the changes they could make to the Standard Variable Rate for 12 months; and, mortgage books that were sold had to be administered by Financial Conduct Authority regulated companies, and no changes could be made to the terms and conditions of any of the loans that had been sold.</p><p> </p><p>In addition to requiring bidders to agree to the protections outlined above, UKAR undertake due diligence on bidders, their proposed servicers and legal title holders of the loans to ensure that they have the necessary policies, procedures and governance in place to treat customers fairly.</p><p> </p><p>The details of all NRAM mortgage sales can be found on gov.uk. Both active and non-active lenders are invited to participate in UKAR sales to ensure a competitive process. In relation to the latest asset sale, UKAR’s advisors proactively invited the top 25 active lenders to participate. Notwithstanding this, UKAR have not received a bid from an active lender that covered the full portfolio of assets being sold.</p><p> </p><p>Whether to offer customers new mortgage products is a commercial decision for lenders and government does not intervene in individual cases.</p><p> </p><p>That said, the government welcomes the voluntary agreement entered into last year by UK Finance working with the FCA. Under this agreement, 59 authorised lenders representing 93 per cent of the UK’s residential mortgage market have agreed common standards to help existing borrowers on reversion rates who are up-to-date with repayments but, because of stricter affordability criteria, are currently ineligible, to move to an alternative product provided by their lender, where said lender is able to offer alternative products.</p><p> </p><p>HM Treasury has also worked closely with the FCA on their Mortgages Market Study and their planned changes to affordability assessments. These changes remove the regulatory barriers which previously might have prevented borrowers from accessing new mortgage deals, regardless of whether they are with active or inactive lenders. HM Treasury will continue to work closely with the FCA once the changes to their rules are implemented, to monitor the impact this will have on the market.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 251931 251932 251933 question first answered 13/05/2019 14:27:35 answering member 4051 label Biography information for John Glen
tabling member	465 label Biography information for Gordon Marsden