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229326

registered interest
date	24/03/2015
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	Cybercrime: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what steps his Department is taking to raise awareness among small and medium-sized businesses of insurance against cyber-attacks.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	228929
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The recently published government guidance on cyber security for small businesses encourages companies to consider insurance as part of their approach to managing cyber risk. Cyber insurance is a rapidly developing area with government and the insurance sector publishing a joint report on tackling cyber risks on 23 March 2015. A key component of that report is an agreement that participating insurers will include Cyber Essentials accreditation as part of their risk assessment for small and medium businesses.</p><p> </p><p> </p><p> </p><p>Cyber Security Guidance for Small Business: <a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/412017/BIS-15-147-small-businesses-cyber-guide-March-2015.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/412017/BIS-15-147-small-businesses-cyber-guide-March-2015.pdf</a></p><p> </p><p> </p><p> </p><p>Cyber Insurance Report: <a href="https://www.gov.uk/government/publications/uk-cyber-security-the-role-of-insurance" target="_blank">https://www.gov.uk/government/publications/uk-cyber-security-the-role-of-insurance</a></p><p> </p><p> </p> answering member constituency Wantage answering member printed Mr Edward Vaizey question first answered 26/03/2015 09:20:14 answering member 1580 label Biography information for Lord Vaizey of Didcot
tabling member	4131 label Biography information for Jim Shannon

229327

registered interest
date	24/03/2015
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	Internet: Copyright
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 Penalty Fair, the Intellectual Property Office study of criminal sanctions for copyright infringement available under the Copyright, Designs and Patents Act 1988, what plans his Department has to strengthen the penalties for online copyright infringement.
tabling member constituency	Maldon
tabling member printed	Mr John Whittingdale
uin	228923
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>This Government is committed to tackling intellectual property crime and is carefully considering the findings and recommendations of ‘Penalty Fair’, the independent review on criminal sanctions for copyright infringement.</p><p> </p><p>Appropriate next steps may include a public consultation, as recommended in the review, giving rights holders, members of the public and all copyright and internet interest groups the opportunity to provide their views. The implementation of any change would need careful consideration to understand its potential impact.</p> answering member constituency Wantage answering member printed Mr Edward Vaizey question first answered 26/03/2015 09:20:39 answering member 1580 label Biography information for Lord Vaizey of Didcot
tabling member	39 label Biography information for Sir John Whittingdale

229330

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Inheritance Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how much unpaid inheritance tax was outstanding from estates notified for probate valued up to £1 million since 2005.
tabling member constituency	Airdrie and Shotts
tabling member printed	Pamela Nash
uin	228885
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The information requested is not available.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 26/03/2015 12:13:26 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3909 label Biography information for Pamela Nash

229333

registered interest
date	24/03/2015
answering body	HM 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, if he will take steps to ensure that full market participation in real-time data-sharing in the short-term credit market includes participants who are non-payday lenders.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228941
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The Government and the FCA have made it clear to payday lenders that real-time market-wide credit data sharing is key to more effective affordability assessments. In its November 2014 policy statement, the FCA set out there has been substantial progress made by the payday industry, with “the vast majority of the market now participating in real-time data sharing”. The FCA has committed to press the industry for further improvements, and has said it will make rules if it detects any loss of momentum.</p><p> </p><p> </p><p> </p><p>The FCA can use its flexible rule-making powers across the consumer credit market where it deems necessary to support its objectives, including protecting consumers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 228940 228943 question first answered 26/03/2015 13:19:02 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229334

registered interest
date	24/03/2015
answering body	HM 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 information his Department holds on the affordability criteria used by the Financial Conduct Authority to set rules to protect consumers taking out loans in the short-term credit market.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228942
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers in the payday market, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The FCA has turned key elements of the Office of Fair Trading’s (OFT) Irresponsible Lending Guidance into binding rules, enforceable with the full range of FCA enforcement powers. These rules strengthen consumer protection and are based on the principle that money should only be lent to a consumer if they can afford to repay it.</p><p> </p><p> </p><p> </p><p>These rules set out that a firm should assess the customer’s creditworthiness, having regard to:</p><p> </p><ul><li><p>the potential for the commitments to impact adversely on the consumer’s financial situation, taking into account information which the firm is (or ought reasonably to be) aware at the time;</p></li><li><p>and the consumer’s ability to make repayments as they fall due.</p><p> </p><p>Further information on the FCA’s rules can be found in its handbook which is available online: http://fshandbook.info/FS/html/handbook/CONC.</p><p> </p></li></ul><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:24:12 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229335

registered interest
date	24/03/2015
answering body	HM 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, if he will bring forward proposals to secure full market participation in real-time data-sharing in the short-term credit market.
tabling member constituency	Hackney South and Shoreditch
tabling member printed	Meg Hillier
uin	228943
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The Government has fundamentally reformed regulation of the consumer credit market. The Financial Conduct Authority’s (FCA) new, more robust regulatory regime is improving protections for consumers, including through the introduction of a cap on the cost of payday loans as required by Government.</p><p> </p><p> </p><p> </p><p>The Government and the FCA have made it clear to payday lenders that real-time market-wide credit data sharing is key to more effective affordability assessments. In its November 2014 policy statement, the FCA set out there has been substantial progress made by the payday industry, with “the vast majority of the market now participating in real-time data sharing”. The FCA has committed to press the industry for further improvements, and has said it will make rules if it detects any loss of momentum.</p><p> </p><p> </p><p> </p><p>The FCA can use its flexible rule-making powers across the consumer credit market where it deems necessary to support its objectives, including protecting consumers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 228940 228941 question first answered 26/03/2015 13:19:03 answering member 1529 label Biography information for Mr David Gauke
tabling member	1524 label Biography information for Dame Meg Hillier

229336

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Working Tax Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what the average length of time was for a decision to be made on a working tax credit claim in each year since 2010.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	228908
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>HMRC do not hold the requested data.</p><p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 26/03/2015 09:59:11 answering member 4066 label Biography information for Priti Patel
tabling member	298 label Biography information for Steve McCabe

229337

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Working Tax Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of his Department's performance against targets on the length of time for a decision to be made on a working tax credit claim.
tabling member constituency	Birmingham, Selly Oak
tabling member printed	Steve McCabe
uin	228909
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>HMRC do not hold the requested data.</p><p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 26/03/2015 09:57:27 answering member 4066 label Biography information for Priti Patel
tabling member	298 label Biography information for Steve McCabe

229338

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Pensioners: Income Tax
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the number of pensioners liable to pay income tax in the 2013-14 financial year who (a) did not have online access to and (b) were not sent tax forms by HM Revenue and Customs (HMRC); and what steps HMRC is taking to ensure those pensioners have access to such forms.
tabling member constituency	Nottingham East
tabling member printed	Chris Leslie
uin	228896
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>An estimated 6.25 million taxpayers were over the state pension age in 2013-14. Figures of those pensioners who do not have online access is not held by HMRC.</p><p> </p><p> </p><p>The Government announced at Budget 2015 the transformation of the tax system over the next parliament by introducing digital tax accounts for all individuals, removing the need for annual tax returns. It will be the choice of individuals whether they use these digital accounts.</p><p> </p><p> </p><p>For many, the transition to digital accounts will be simple. But for those who have difficulty in going online or who need extra help, HMRC will continue to provide extra help and support.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:33:18 answering member 1529 label Biography information for Mr David Gauke
tabling member	422 label Biography information for Mr Chris Leslie

229339

registered interest
date	24/03/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Welfare Tax Credits
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, with reference to the HM Revenue and Customs publication Benefits and Credits, Tax Credits Error and Fraud Additional Capacity Trial, Final Evaluation, published in May 2014, for what reason section 1.7 listed in the contents page, Delegation of Commissioners' Powers, was not included in the body of that report; and if he will place in the Library a copy of that section.
tabling member constituency	Birkenhead
tabling member printed	Mr Frank Field
uin	228903
answer	answer is ministerial correction date of answer 26/03/2015 answer text <p>The entry in the contents page of the HM Revenue and Customs publication Benefits and Credits, Tax Credits Error and Fraud Additional Capacity Trial, Final Evaluation, published in May 2014, is a typographical error. <br><br>The Commissioners executed a formal delegation of powers under the Commissioners for Revenue and Customs Act 2005.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 26/03/2015 13:20:16 answering member 1529 label Biography information for Mr David Gauke
tabling member	478 label Biography information for Lord Field of Birkenhead