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424461

registered interest
date	28/10/2015
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Students: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what the evidential basis is for the proposition that freezing the repayment threshold for plan 2 student loans is likely to result in student loans being repaid to a greater extent than under the current terms.
tabling member constituency	Newcastle upon Tyne East
tabling member printed	Mr Nicholas Brown
uin	13854
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>Estimates of the impact of freezing the repayment thresholds for borrowers are illustrated in the consultation document, which has been published here:</p><p><a href="https://www.gov.uk/government/consultations/freezing-the-student-loan-repayment-threshold" target="_blank">https://www.gov.uk/government/consultations/freezing-the-student-loan-repayment-threshold</a></p><p>These are based on analysis using the Department’s Student Loan Repayment Model: further details on the model are available at the Department’s website <a href="https://www.gov.uk/government/publications/simplified-student-loan-repayment-model" target="_blank">https://www.gov.uk/government/publications/simplified-student-loan-repayment-model</a></p> answering member constituency Orpington answering member printed Joseph Johnson question first answered 02/11/2015 11:06:55 answering member 4039 label Biography information for Lord Johnson of Marylebone
tabling member	523 label Biography information for Mr Nicholas Brown

424462

registered interest
date	28/10/2015
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Students: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what assessment he has made of the effects of the Government's proposal to freeze the repayment threshold for plan 2 student loans on the amount of money likely to be paid back over the 30 year repayment period.
tabling member constituency	Newcastle upon Tyne East
tabling member printed	Mr Nicholas Brown
uin	13855
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>The assessment of additional loan repayments has been set out in the published consultation document which is published here:</p><p><a href="https://www.gov.uk/government/consultations/freezing-the-student-loan-repayment-threshold" target="_blank">https://www.gov.uk/government/consultations/freezing-the-student-loan-repayment-threshold</a></p> answering member constituency Orpington answering member printed Joseph Johnson question first answered 02/11/2015 11:06:05 answering member 4039 label Biography information for Lord Johnson of Marylebone
tabling member	523 label Biography information for Mr Nicholas Brown

424467

registered interest
date	28/10/2015
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Employment: Crime
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, with reference to paragraph 62 of the Government's consultation document, Tackling Exploitation in the Labour Market, published in October 2015, what limitations currently exist on data sharing between labour market enforcement bodies.
tabling member constituency	Sheffield Central
tabling member printed	Paul Blomfield
uin	13810
answer	answer is ministerial correction date of answer 02/11/2015 answer text <br /><p>While information is already shared between labour market enforcement bodies, the existing information sharing gateways in numerous Acts of Parliament are limited as regards with whom information can be shared and for what purpose. Legislative changes may be required to allow greater information sharing between enforcement bodies. For example we want to ensure that HMRC National Minimum Wage enforcement officers are able to share information effectively with the Health and Safety Executive and local authorities.</p><br /><p>We are also engaging with the relevant enforcement bodies to identify possible non-legislative barriers to information sharing.</p><p><strong></strong></p> answering member constituency Grantham and Stamford answering member printed Nick Boles question first answered 02/11/2015 17:07:51 answering member 3995 label Biography information for Nick Boles
tabling member	4058 label Biography information for Paul Blomfield

424469

registered interest
date	28/10/2015
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Senior Civil Servants: Recruitment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Minister for the Cabinet Office, what estimate he has made of the cost of using external agencies for recruitment to the Senior Civil Service across all Government departments in each of the last three years.
tabling member constituency	Sheffield, Heeley
tabling member printed	Louise Haigh
uin	13767
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>This information is not held centrally and could only be obtained at disproportionate cost.</p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 02/11/2015 17:20:58 answering member 4070 label Biography information for Matt Hancock
tabling member	4473 label Biography information for Louise Haigh

424477

registered interest
date	28/10/2015
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Electronic Government: Cybercrime
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Minister for the Cabinet Office, what estimate he has made of (a) which personal details and (b) how many individual profiles were hacked as a result of the cyber security breach of the Government Gateway system.
tabling member constituency	Sheffield, Heeley
tabling member printed	Louise Haigh
uin	13924
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>To date the security reports on the Government Gateway system have shown no indication of a cyber security breach. We are continuously monitoring and managing the security risks to all HMG systems,taking appropriate action where necessary and ensuring we maintain the best possible level of security.</p><p>We are aware Government Gateway credentials stored outside government systems have been harvested by malware. This highlights the importance of users implementing and maintaining good security practices, for example, installing and updating anti-virus software, as well as never sharing or using a single password for all internet activities.</p><p>We will continue to increase our levels of security monitoring and management on all our systems.</p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 02/11/2015 17:21:38 answering member 4070 label Biography information for Matt Hancock
tabling member	4473 label Biography information for Louise Haigh

424478

registered interest
date	28/10/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Services: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many registered financial advisers are sole traders.
tabling member constituency	Tewkesbury
tabling member printed	Mr Laurence Robertson
uin	13942
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply to you directly by letter. A copy of the letter will be placed in the Library of the House.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 13913 question first answered 02/11/2015 15:13:33 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	253 label Biography information for Mr Laurence Robertson

424483

registered interest
date	28/10/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Welfare Tax Credits: Foreign Nationals
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the cost to the Exchequer of paying to foreign nationals (a) child and (b) other tax credits in 2015-16.
tabling member constituency	Christchurch
tabling member printed	Mr Christopher Chope
uin	13969
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>The information is not available.</p> answering member constituency East Hampshire answering member printed Damian Hinds question first answered 02/11/2015 15:15:34 answering member 3969 label Biography information for Damian Hinds
tabling member	242 label Biography information for Sir Christopher Chope

424487

registered interest
date	28/10/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Services: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many regulated Retail Financial Advisory firms there are; and how many have five or more financial advisers working for them.
tabling member constituency	Tewkesbury
tabling member printed	Mr Laurence Robertson
uin	13913
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>This is an operational matter for the Financial Conduct Authority (FCA), who are operationally independent from Government. The question has been passed on to the FCA. The FCA will reply to you directly by letter. A copy of the letter will be placed in the Library of the House.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 13942 question first answered 02/11/2015 15:13:33 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	253 label Biography information for Mr Laurence Robertson

424499

registered interest
date	28/10/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what data his Department collects on people who have exercised new pension freedoms who have not accessed the Pension Wise service.
tabling member constituency	East Ham
tabling member printed	Stephen Timms
uin	13770
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>The government committed to providing free, impartial guidance through Pension Wise, to help people make informed and confident decisions about how they use their defined contribution pension savings in retirement. It is available online, via the telephone and face to face. As of 29 October 2015, there were over 20,000 completed appointments for face to face guidance and 9,000 completed appointments for telephone guidance as well as over 1.7 million visits to the website.</p><br /><p>Pension Wise runs exit surveys of those who have completed an appointment It is not mandatory for a user to complete an exit survey<strong>.</strong> The government is committed to being open and transparent with Pension Wise data and will be making core data readily available by placing it on the government performance platform this autumn. The data will be in the public domain and updated regularly. HM Treasury is working with Pension Wise delivery partners to provide the level of detail that we require for reporting purposes.</p><br /><p>The Financial Conduct Authority, in line with its remit to protect consumers and ensure markets function in consumers’ interests, is monitoring developments in the retirement income market closely and has committed to take action where consumers are coming to harm or where the market is not operating competitively.</p><br /><p>The government recognises that people may wish to consult different sources of information before reaching a decision about their retirement income. In addition to Pension Wise, The Pension Advisory Service (TPAS) provides independent, impartial information and guidance about pensions, free of charge, to members of the public. The Money Advice Service also provides free and unbiased information and guidance on all money matters.</p><br /><p>A number of pension providers offer financial guidance. Individuals can also access regulated advice from an Independent Financial Adviser (IFA). HM Treasury and the Financial Conduct Authority are jointly considering how financial advice could be made more accessible and affordable for consumers through the Financial Advice Market Review.</p><p><br></p><br /> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 13771 13772 13773 question first answered 02/11/2015 16:44:23 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	163 label Biography information for Sir Stephen Timms

424500

registered interest
date	28/10/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Pensions: Advisory Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what data his Department collects on the (a) demographics, (b) pension pot size and (c) decisions taken after the consultation of people accessing the Pension Wise service.
tabling member constituency	East Ham
tabling member printed	Stephen Timms
uin	13771
answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>The government committed to providing free, impartial guidance through Pension Wise, to help people make informed and confident decisions about how they use their defined contribution pension savings in retirement. It is available online, via the telephone and face to face. As of 29 October 2015, there were over 20,000 completed appointments for face to face guidance and 9,000 completed appointments for telephone guidance as well as over 1.7 million visits to the website.</p><br /><p>Pension Wise runs exit surveys of those who have completed an appointment It is not mandatory for a user to complete an exit survey<strong>.</strong> The government is committed to being open and transparent with Pension Wise data and will be making core data readily available by placing it on the government performance platform this autumn. The data will be in the public domain and updated regularly. HM Treasury is working with Pension Wise delivery partners to provide the level of detail that we require for reporting purposes.</p><br /><p>The Financial Conduct Authority, in line with its remit to protect consumers and ensure markets function in consumers’ interests, is monitoring developments in the retirement income market closely and has committed to take action where consumers are coming to harm or where the market is not operating competitively.</p><br /><p>The government recognises that people may wish to consult different sources of information before reaching a decision about their retirement income. In addition to Pension Wise, The Pension Advisory Service (TPAS) provides independent, impartial information and guidance about pensions, free of charge, to members of the public. The Money Advice Service also provides free and unbiased information and guidance on all money matters.</p><br /><p>A number of pension providers offer financial guidance. Individuals can also access regulated advice from an Independent Financial Adviser (IFA). HM Treasury and the Financial Conduct Authority are jointly considering how financial advice could be made more accessible and affordable for consumers through the Financial Advice Market Review.</p><p><br></p><br /> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 13770 13772 13773 question first answered 02/11/2015 16:44:23 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	163 label Biography information for Sir Stephen Timms