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31321

	registered interest
	date	07/01/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name
	answering dept sort name
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	182195
	answer	answer is ministerial correction date of answer 13/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182196 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

31322

	registered interest
	date	07/01/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name
	answering dept sort name
	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 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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	182196
	answer	answer is ministerial correction date of answer 13/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182195 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57840

	registered interest
	date	04/06/2014
	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	New Businesses: Disability
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198945
	answer	answer is ministerial correction date of answer 09/06/2014 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> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 09/06/2014 15:46:52 answering member 4070 label Biography information for Matt Hancock
	tabling member	4011 label Biography information for Cathy Jamieson

57836

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Small Businesses: Crowdfunding
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198923
	answer	answer is ministerial correction date of answer 11/06/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:59:28 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57838

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Financial Services: Social Media
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198928
	answer	answer is ministerial correction date of answer 11/06/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:35:28 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57835

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Banks: Regulation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, when the Prudential Regulatory Authority will report on details of new bank authorisations.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198922
	answer	answer is ministerial correction date of answer 11/06/2014 answer text <p>The Prudential Regulation Authority will report on details of new bank authorisations as part of the Annual Report and Accounts.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:31:57 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57833

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198990
	answer	answer is ministerial correction date of answer 11/06/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:18:45 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57834

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Services
	house id	1
	legislature	25259 pref label House of Commons
	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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198991
	answer	answer is ministerial correction date of answer 11/06/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:25:19 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

57832

	registered interest
	date	04/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Air Passenger Duty: Scotland
	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 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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198983
	answer	answer is ministerial correction date of answer 09/06/2014 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> answering member constituency Loughborough answering member printed Nicky Morgan question first answered 09/06/2014 14:02:49 answering member 4027 label Biography information for Baroness Morgan of Cotes
	tabling member	4011 label Biography information for Cathy Jamieson

44970

	registered interest
	date	25/03/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	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 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.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	193677
	answer	answer is ministerial correction date of answer 12/05/2014 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> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 12/05/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4011 label Biography information for Cathy Jamieson