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31321
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name
star this property answering dept sort name
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what discussions he has had with UKAR regarding the potential effect on customers of a rise in interest rates. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182195 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-13more like thismore than 2014-05-13
star this property answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN 182196 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
31322
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name
star this property answering dept sort name
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the potential effect of an interest rate rise on customers whose mortgages are held by UKAR; and what support is available to assist such customers to switch providers. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182196 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-13more like thismore than 2014-05-13
star this property answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN 182195 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
165887
star this property registered interest false more like this
star this property date less than 2014-11-25more like thismore than 2014-11-25
star this property answering body
Department for Business, Innovation and Skills more like this
star this property answering dept id 26 more like this
unstar this property answering dept short name Business, Innovation and Skills more like this
star this property answering dept sort name Business, Innovation and Skills more like this
unstar this property hansard heading Flexible Working: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Business, Innovation and Skills, what estimate he has made of the number of (a) women and (b) men in (i) Scotland and (ii) Kilmarnock and Loudoun constituency who have made a statutory application to request flexible working. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 215848 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-12-02more like thismore than 2014-12-02
star this property answer text <p>The latest Work-life Balance Employee Survey which is available on .gov.uk shows that in 2011, 28% of women employees and 17% of male employees in Great Britain, and 17% of employees in Scotland had made a request to change their working arrangements in the last two years. The Survey does not provide the statistics for men and women at the level of Scotland, or at the level of the Kilmarnock and Loudoun constituency.</p><p> </p><p>The survey defines working arrangements as the amount of hours worked, when these hours are worked, and where (e.g. at home).</p><p> </p> more like this
star this property answering member constituency East Dunbartonshire more like this
star this property answering member printed Jo Swinson more like this
star this property question first answered
remove maximum value filtermore like thismore than 2014-12-02T17:23:42.467Z
star this property answering member
1513
star this property label Biography information for Jo Swinson more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57840
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
Department for Business, Innovation and Skills more like this
star this property answering dept id 26 more like this
unstar this property answering dept short name Business, Innovation and Skills more like this
star this property answering dept sort name Business, Innovation and Skills more like this
unstar this property hansard heading New Businesses: Disability more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Business, Innovation and Skills, what assistance is available to disabled people who wish to start their own businesses. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198945 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-09more like thismore than 2014-06-09
star this property answer text <p> </p><p>We continue to work hard to provide the right support to make life easier for all people setting up and growing a business, including disabled people.</p><p> </p><p> </p><p> </p><p><a href="http://www.gov.uk/business" target="_blank">www.gov.uk/business</a> is the home for Government services and information online. One of the tools available is the 'Business Finance and Support Finder;' that can provide a customised source of government backed support and finance for business. The website <a href="http://www.greatbusiness.gov.uk/" target="_blank">www.greatbusiness.gov.uk</a> also provides support and advice for anyone trying to grow a business as well as for entrepreneurs starting out.</p><p> </p><p> </p><p> </p><p>In addition to on-line support, the Business Support Helpline (0300 456 3565) is available to provide a quick response on queries about starting a business, or a personalised and in-depth advice service for more complex needs. For those looking for start-up finance and advice there are Start-Up Loans: 19 loans worth a total of £53,855have been drawn down in Kilmarncock and Loudoun to date.</p><p> </p><p> </p><p> </p><p>Finally, the New Enterprise Allowance helps people claiming certain out of work benefits to start up their own business. As of March 2014, 7,420 disabled people (or a total of 40,420) had started a new business with the help of the NEA.</p><p> </p><p> </p><p> </p>
star this property answering member constituency West Suffolk more like this
star this property answering member printed Matthew Hancock more like this
star this property question first answered
less than 2014-06-09T15:46:52.8219899Zmore like thismore than 2014-06-09T15:46:52.8219899Z
star this property answering member
4070
star this property label Biography information for Matt Hancock more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
76242
star this property registered interest false more like this
star this property date less than 2014-07-08more like thismore than 2014-07-08
star this property answering body
Department for Business, Innovation and Skills more like this
star this property answering dept id 26 more like this
unstar this property answering dept short name Business, Innovation and Skills more like this
star this property answering dept sort name Business, Innovation and Skills more like this
unstar this property hansard heading Vetting: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Business, Innovation and Skills, what recent discussions he has had with the Scottish Government on the practice of blacklisting in public sector procurement contracts. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 204523 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-07-15more like thismore than 2014-07-15
star this property answer text <p>BIS Ministers have not had any discussions with Scottish Ministers on the practice of blacklisting in public sector procurement contracts. However, my Hon. Friend, the Minister of State for Employment Relations and Consumer Affairs at the time (Jenny Willott), did write to Ian Davidson, Chair of the Scottish Affairs Committee, earlier in the year commenting on their second interim report ‘Blacklisting in Employment: addressing the crimes of the past'.</p> more like this
star this property answering member constituency East Dunbartonshire more like this
star this property answering member printed Jo Swinson more like this
star this property question first answered
less than 2014-07-15T14:32:29.8987266Zmore like thismore than 2014-07-15T14:32:29.8987266Z
star this property answering member
1513
star this property label Biography information for Jo Swinson more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
44970
star this property registered interest false more like this
star this property date less than 2014-03-25more like thismore than 2014-03-25
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what estimate he has made of the number of people who have utilised their full tax-free ISA allowance in each of the last three years in (a) the UK, (b) Scotland and (c) each parliamentary constituency. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 193677 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-12more like thismore than 2014-05-12
star this property answer text <p>Until 1 July 2014 there are two allowances for ISAs: a cash and an overall allowance. This answer assumes you are asking about the overall allowance.</p><p> </p><p>The following table contains the number of individuals who made full use of their (£10,680) ISA allowance in 2011-12 in the UK and in Scotland.</p><p> </p><table><tbody><tr><td><p>Country</p></td><td><p>Number of individuals (thousands)</p></td></tr><tr><td><p>Scotland</p></td><td><p>73</p></td></tr><tr><td><p>United Kingdom</p></td><td><p>1,005</p></td></tr></tbody></table><p> </p><p>A breakdown for 2012-13 and 2013-14 is not yet available. Constituency-level statistics are not available.</p><p> </p><p>As announced at Budget 2014, from 1 July 2014 the overall annual New ISA subscription limit will be increased to £15,000 and can be used for either cash or stocks and shares investments, or any combination of the two, up to this limit.</p><p> </p><p>This measure will reduce income tax on savings for people constrained by the current limits, improving incentives to save and increasing real household disposable incomes. Over 6 million people are expected to benefit from these increases, including over 5 million adults expected to be constrained by the cash ISA limit.</p><p> </p>
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property question first answered
less than 2014-05-12T12:00:00.00Zmore like thismore than 2014-05-12T12:00:00.00Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49208
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what discussions he has had with (a) representatives or organisations offering free debt advice, (b) representatives of fee charging debt management organisations, (c) creditors and (d) the Insolvency Service on the potential effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197276 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197277 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49209
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, for what reason his Department will no longer participate in the Debt Management Plan Protocol guidance group; and if he will make a statement. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197277 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49210
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the future implementation of the Debt Management Plan Protocol. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197278 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197277 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49211
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group on the development of future non-statutory debt solutions. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197279 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197277 more like this
197278 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57832
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Air Passenger Duty: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what estimate he has made of the amount of revenue accruing to the Exchequer from air passenger duty in respect of (a) domestic and (b) international flights from each airport in Scotland in 2013-14. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198983 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-09more like thismore than 2014-06-09
star this property answer text <p>HM Revenue and Customs (HMRC) does not collect information on the contribution to air passenger duty (APD) revenues made from flights to or from specific airports or countries.</p><p> </p><p>HMRC has published a set of statistics presenting estimates of the disaggregation of tax receipts between England, Wales, Scotland and Northern Ireland, available at:</p><p><a href="https://www.gov.uk/government/publications/disaggregation-of-hmrc-tax-receipts" target="_blank">https://www.gov.uk/government/publications/disaggregation-of-hmrc-tax-receipts</a></p><p>The estimate for the total amount of APD revenues attributable to Scotland in 2012/13 was £227 million. This estimate is not broken down by revenues from domestic and international flights.</p><p> </p><p>Information on APD revenues and passenger numbers by band is available at:</p><p><a href="https://www.uktradeinfo.com/Statistics/Pages/TaxAndDutyBulletins.aspx" target="_blank">https://www.uktradeinfo.com/Statistics/Pages/TaxAndDutyBulletins.aspx</a></p><p> </p><p>Information on the number of passengers flying to and from UK airports is available at:</p><p> </p><p><a href="http://www.caa.co.uk/default.aspx?catid=80&amp;pagetype=88&amp;pageid=3&amp;sglid=3#Data" target="_blank">http://www.caa.co.uk/default.aspx?catid=80&amp;pagetype=88&amp;pageid=3&amp;sglid=3#Data</a></p>
star this property answering member constituency Loughborough more like this
star this property answering member printed Nicky Morgan more like this
star this property question first answered
less than 2014-06-09T14:02:49.0858574Zmore like thismore than 2014-06-09T14:02:49.0858574Z
star this property answering member
4027
star this property label Biography information for Nicky Morgan more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57833
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Bank Services more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, when he expects the Financial Conduct Authority and Prudential Regulation Authority to publish their review on removing barriers to entry and expansion in retail banking. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198990 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-11more like thismore than 2014-06-11
star this property answer text <p>Budget 2014 detailed that the Financial Conduct Authority and Prudential Regulation Authority will publish a review of their work on removing barriers to entry and expansion in retail banking later this year.</p><p> </p><p> </p> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property question first answered
less than 2014-06-11T15:18:45.5540444Zmore like thismore than 2014-06-11T15:18:45.5540444Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57834
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Bank Services more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the Payments System Regulator on its market study into the ownership of payments systems by the largest banks. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198991 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-11more like thismore than 2014-06-11
star this property answer text <p> </p><p>At Budget 2014, the Chancellor announced that the competition powers of the Payment Systems Regulator would be switched on with immediate effect. This enables the Regulator to conduct a market study on ownership of the payment systems and, depending on the outcome, to refer the question of ownership to the Competition and Markets Authority. The decision about whether to commence a market study is one for the Regulator.</p> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property question first answered
less than 2014-06-11T15:25:19.4475935Zmore like thismore than 2014-06-11T15:25:19.4475935Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57835
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Banks: Regulation more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, when the Prudential Regulatory Authority will report on details of new bank authorisations. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198922 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-11more like thismore than 2014-06-11
star this property answer text <p>The Prudential Regulation Authority will report on details of new bank authorisations as part of the Annual Report and Accounts.</p> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property question first answered
less than 2014-06-11T15:31:57.6105963Zmore like thismore than 2014-06-11T15:31:57.6105963Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57836
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Small Businesses: Crowdfunding more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, if he will commission an assessment of the amount of investment in small and medium-sized enterprises from peer-to-peer lending and crowdfunding platforms. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198923 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-11more like thismore than 2014-06-11
star this property answer text <p>Crowdfunding and peer to peer lending are innovative new forms of finance that support competition in the business lending sector. The Government has taken a number of steps to support their growth.</p><p> </p><p>The Government has no current plans to commission an assessment of the amount of investment in small and medium-sized enterprises from peer to peer lending and crowdfunding platforms.</p><p> </p><p> </p> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property question first answered
less than 2014-06-11T15:59:28.7122424Zmore like thismore than 2014-06-11T15:59:28.7122424Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57838
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Financial Services: Social Media more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what recent discussions he has had on the development of guidance on the use of social media for promotion of financial services. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198928 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-11more like thismore than 2014-06-11
star this property answer text <p>The Financial Conduct Authority (FCA) is responsible for conduct supervision of regulated financial firms, including their responsible promotion of products and services.</p><p> </p><p>In 2010 the then Financial Services Authority issued some high-level guidelines on use of ‘new media' – including social media – for such promotions. Since April 2013 the FCA has been engaging with industry, looking further at how social media interacts with FCA rules, and has committed to issue further guidelines later this summer.</p><p> </p><p> </p> more like this
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property question first answered
less than 2014-06-11T15:35:28.9209962Zmore like thismore than 2014-06-11T15:35:28.9209962Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
61975
star this property registered interest false more like this
star this property date less than 2014-06-16more like thismore than 2014-06-16
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Coinage more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, with reference to the Answer of 1 April 2014, Official Report, column 625W, on coinage, whether he has fixed the dates for the public consultation on the impact of the introduction of a new one pound coin. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200779 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-23more like thismore than 2014-06-23
star this property answer text <p><strong>The Budget announced that the existing £1 coin will be replaced with a more modern and secure design. After thirty years in circulation, the current coin has become vulnerable to counterfeiting.</strong></p><p> </p><p><strong>There will be a public consultation this summer that will focus on how to manage impacts on industry and other affected parties. The government remains committed to this timetable, and to working with industry to minimise costs and disruption.</strong></p><p> </p><p> </p><p><strong>The precise dates of the consultation period will be published in due course.</strong></p> more like this
star this property answering member constituency Loughborough more like this
star this property answering member printed Nicky Morgan more like this
star this property question first answered
less than 2014-06-23T14:50:17.5407461Zmore like thismore than 2014-06-23T14:50:17.5407461Z
star this property answering member
4027
star this property label Biography information for Nicky Morgan more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
62203
star this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Air Passenger Duty: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, when he last met the Scottish Government to discuss air passenger duty. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200629 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-24more like thismore than 2014-06-24
star this property answer text <p><strong>Treasury Ministers and officials have meetings and discussions with a wide variety of organisations as part of the process of policy development and delivery. </strong><strong>As was the case with previous Administrations, it is not the Government's practice to provide details of all such meetings and discussions.</strong></p> more like this
star this property answering member constituency Loughborough more like this
star this property answering member printed Nicky Morgan more like this
star this property question first answered
less than 2014-06-24T15:44:24.0408303Zmore like thismore than 2014-06-24T15:44:24.0408303Z
star this property answering member
4027
star this property label Biography information for Nicky Morgan more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
62204
star this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Self-employed: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, how many people registered as self employed in (a) Kilmarnock and Loudoun constituency and (b) Scotland reported net income of (i) zero and (ii) below the threshold for national insurance in each of the last four years for which figures are available. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200630 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-30more like thismore than 2014-06-30
star this property answer text <p>Estimates of the numbers of individuals with self employment sources are published in HMRC's National Statistics table 3.10 which is available at the following internet address:</p><p> </p><p><a href="https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011" target="_blank">https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011</a></p><p>The numbers of individuals making zero profits and at other income levels is also shown in these tables.</p><p> </p><p>Tables for 2009-10 and earlier years are available from the National Archives internet site at the following address:</p><p> </p><p><a href="http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm" target="_blank">http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm</a></p><p> </p><p>Overall, these show a long term trend of growth in the numbers of self-employed people.</p><p> </p><p> </p>
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property grouped question UIN
200631 more like this
200632 more like this
200633 more like this
star this property question first answered
less than 2014-06-30T14:22:54.1942843Zmore like thismore than 2014-06-30T14:22:54.1942843Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
62205
star this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Self-employed: Scotland more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, how many (a) men and (b) women were registered as self-employed in (i) Kilmarnock and Loudoun constituency and (ii) Scotland in each of the last four years for which figures are available. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200631 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-30more like thismore than 2014-06-30
star this property answer text <p>Estimates of the numbers of individuals with self employment sources are published in HMRC's National Statistics table 3.10 which is available at the following internet address:</p><p> </p><p><a href="https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011" target="_blank">https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011</a></p><p>The numbers of individuals making zero profits and at other income levels is also shown in these tables.</p><p> </p><p>Tables for 2009-10 and earlier years are available from the National Archives internet site at the following address:</p><p> </p><p><a href="http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm" target="_blank">http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm</a></p><p> </p><p>Overall, these show a long term trend of growth in the numbers of self-employed people.</p><p> </p><p> </p>
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property grouped question UIN
200630 more like this
200632 more like this
200633 more like this
star this property question first answered
less than 2014-06-30T14:22:54.366166Zmore like thismore than 2014-06-30T14:22:54.366166Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
62206
star this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Financial Services more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what steps he is taking to improve regulation of the shadow banking sector. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200642 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-23more like thismore than 2014-06-23
star this property answer text <p>When appropriately conducted, shadow banking can benefit the economy by increasing the availability of credit to a range of individuals or firms, and provide a valuable alternative to bank funding. It provides credit and liquidity to the real economy and can improve efficiency and drive innovation in the financial system through firms developing expert knowledge in a particular area.</p><p> </p><p>However, the Government is aware of the risks shadow banking activities pose to financial stability when things go wrong. The crisis showed that some shadow banking entities created pro-cyclical build-ups of leverage, did not fully transfer credit risk, were susceptible to rapid sell-offs, and were very complex. It also became clear that the shadow banking sector had very complex interconnections with the traditional banking system.</p><p> </p><p>Recognising the need to improve the transparency and supervision of the shadow banking sector, the Government has taken steps to improve the way shadow banking entities are regulated.</p><p> </p><p>Domestically, the Government has created new Financial Policy Committee (FPC) within the Bank of England to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed. In September last year, the Committee agreed as one of its medium term priorities the identification and management of potential systemic risks from shadow banking.</p><p> </p><p> </p><p>At the international level, the Government is actively supporting the effective regulation of the sector in EU policymaking, and the UK is instrumental in shaping the global regulatory response at the Financial Stability Board.</p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
200643 more like this
200644 more like this
star this property question first answered
less than 2014-06-23T15:19:45.1917264Zmore like thismore than 2014-06-23T15:19:45.1917264Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
62207
star this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
unstar this property hansard heading Financial Services more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the effects of the shadow banking sector on the UK economy. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 200643 more like this
star this property answer
answer