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1105165
unstar this property registered interest false more like this
star this property date less than 2019-03-26more like thismore than 2019-03-26
star this property answering body
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 Treasury more like this
unstar this property hansard heading Access to Cash Review 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
unstar this property question text To ask the Chancellor of the Exchequer, what assessment he has made of the implications for his policies of the final report of the Access to cash review published on 6 March 2019; and if he will make a statement. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 237122 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-04-01more like thismore than 2019-04-01
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with the regulators and industry on this topic.</p><p> </p><p>The Treasury initiated a discussion on payment methods at Spring Statement 2018 through a Call for Evidence on Cash &amp; Digital Payments in the New Economy. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics.</p><p> </p><p>The Government welcomes the recent Access to Cash Review, which is an important contribution to the debate on cash and which will help inform our future policy development.</p><p> </p><p>The Government will formally respond to the Call for Evidence in due course.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2019-04-01T14:31:09.553Zmore like thismore than 2019-04-01T14:31:09.553Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
1079574
unstar this property registered interest false more like this
star this property date less than 2019-03-01more like thismore than 2019-03-01
star this property answering body
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 Treasury more like this
unstar this property hansard heading Bank Cards: Fees and Charges 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
unstar this property question text To ask the Chancellor of the Exchequer, whether the Government has plans to reform the cap on interchange rate fees for card payments introduced in the Interchange Fee Regulation 2016 from a percentage cap to a flat rate of 50p per transaction. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 227415 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-03-06more like thismore than 2019-03-06
star this property answer text <p>The Government is open to hearing views on this issue, and digital payments more broadly, as evidenced by its call for evidence on cash and digital payments in the new economy. Amongst other things, this explored how the Government can best support digital payments. The Government will formally respond to the call for evidence in due course.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2019-03-06T15:24:01.517Zmore like thismore than 2019-03-06T15:24:01.517Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
1077616
unstar this property registered interest false more like this
star this property date less than 2019-02-26more like thismore than 2019-02-26
star this property answering body
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 Treasury more like this
unstar this property hansard heading Cash Dispensing 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
unstar this property question text To ask the Chancellor of the Exchequer, what recent discussions he has had with the (a) Bank of England, (b) Financial Conduct Authority and (c) Payment Systems Regulator on the availability of access to cash through (i) ATMs and (ii) other means. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 226214 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-03-04more like thismore than 2019-03-04
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN
226215 more like this
226216 more like this
star this property question first answered
less than 2019-03-04T14:12:35.6Zmore like thismore than 2019-03-04T14:12:35.6Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
1077618
unstar this property registered interest false more like this
star this property date less than 2019-02-26more like thismore than 2019-02-26
star this property answering body
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 Treasury more like this
unstar this property hansard heading Cash Dispensing 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
unstar this property question text To ask the Chancellor of the Exchequer, if the Government will include in the statutory objectives of the Payment Systems Regulator powers to protect access to cash; and if he will make a statement. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 226215 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-03-04more like thismore than 2019-03-04
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN
226214 more like this
226216 more like this
star this property question first answered
less than 2019-03-04T14:12:35.553Zmore like thismore than 2019-03-04T14:12:35.553Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
1077620
unstar this property registered interest false more like this
star this property date less than 2019-02-26more like thismore than 2019-02-26
star this property answering body
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 Treasury more like this
unstar this property hansard heading Cash Dispensing 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
unstar this property question text To ask the Chancellor of the Exchequer, what recent discussions the Government has had with the Payment Systems Regulator on its review of cash infrastructure; and what the timeframe is for the publication of (a) further details on the review and (b) the review itself. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 226216 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-03-04more like thismore than 2019-03-04
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with the regulators and industry, including both the Payment Systems Regulator and LINK (the scheme that runs the UK’s ATM network), on this topic. For example, last year we conducted a call for evidence on cash and digital payments in the new economy. This explored how the trend from cash to digital payments impacts on different sectors, different regions and different demographics. The Government will formally respond to the call for evidence in due course.</p><p> </p><p>The Government established the Payment Systems Regulator with a statutory duty to ensure that payment systems work well for those who use them. As part of this, the PSR regulates LINK and is closely monitoring developments within ATM provision. LINK has committed to maintain the broad geographical coverage of the ATM network in the UK. The PSR has used its powers to hold LINK to account over its commitments and to ensure LINK reports to it on a regular basis.</p><p> </p><p>Government also notes that LINK has commissioned an independent review (chaired by Natalie Ceeney) which is looking at long-term access to cash.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN
226214 more like this
226215 more like this
star this property question first answered
less than 2019-03-04T14:12:35.647Zmore like thismore than 2019-03-04T14:12:35.647Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
1019929
unstar this property registered interest false more like this
star this property date less than 2018-12-04more like thismore than 2018-12-04
star this property answering body
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 Treasury more like this
unstar this property hansard heading Payment Methods 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
unstar this property question text To ask the Chancellor of the Exchequer, when his Department plans to publish its response to the call for evidence on cash and digital payments in the new economy that closed on 5 June 2018. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 198928 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-12-10more like thismore than 2018-12-10
star this property answer text <p>The Call for Evidence produced a wide range of evidence, which requires thoughtful consideration.</p><p> </p><p>We have recently announced that the denominational mix of notes and coins would not change. Response to other matters will be made in due course.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2018-12-10T15:13:22.133Zmore like thismore than 2018-12-10T15:13:22.133Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
946926
unstar this property registered interest false more like this
star this property date less than 2018-07-23more like thismore than 2018-07-23
star this property answering body
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 Treasury more like this
unstar this property hansard heading Debts 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
unstar this property question text To ask the Chancellor of the Exchequer, what recent estimate he has made of the (a) average level and (b) total value of personal debt in the UK. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 167408 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-09-10more like thismore than 2018-09-10
star this property answer text <p>The household debt-to-income ratio was 140% in Q1 2018, significantly below its pre-crisis high of 160% in Q1 2008.</p><p> </p><p>The independent Financial Policy Committee was set up by the government to assess and mitigate financial stability risks, including from household debt. The FPC has taken action to ensure against a significant rise in highly indebted households.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2018-09-10T12:52:07.22Zmore like thismore than 2018-09-10T12:52:07.22Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
827970
unstar this property registered interest false more like this
star this property date less than 2018-01-22more like thismore than 2018-01-22
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 Cash Dispensing: Fees and Charges 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
unstar this property question text To ask Mr Chancellor of the Exchequer, if he will consider the merits of introducing rules to govern the provision of free to use cash machines (a) within a given geographic area and (b) on the basis of per head of population. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 123930 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-01-30more like thismore than 2018-01-30
star this property answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with industry, including LINK, to ensure that this access is maintained.</p><p> </p><p>The Government has not made any formal assessment of the potential effect of LINK’s proposals to change the interchange fee rate on consumers or small businesses, including in Scotland. However, the Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>LINK has assured the Government and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intends to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN
124076 more like this
124077 more like this
star this property question first answered
less than 2018-01-30T15:44:06.3Zmore like thismore than 2018-01-30T15:44:06.3Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
823607
unstar this property registered interest false more like this
star this property date less than 2018-01-16more like thismore than 2018-01-16
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 Small Businesses: Loans 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
unstar this property question text To ask Mr Chancellor of the Exchequer, what assessment he has made of the relationship between the availability of bank branches and the numbers of loans issued to small and medium sized enterprises. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 123068 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-01-24more like thismore than 2018-01-24
star this property answer text <p>The Treasury has no made no such assessments. The decision to open and close branches remains a commercial judgement for banks. However, the impact of closures on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, my predecessor wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. I look forward to receiving their proposals later this month.</p><p> </p><p>More widely, the Government remains committed to supporting SMEs’ access to the finance they need to grow and expand, and has: established the British Business Bank to make finance markets work better for small businesses; supported challenger banks; introduced a bespoke regime for peer-to-peer lending; and made structural interventions such as the Bank Referral Scheme and the SME credit data sharing scheme.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN 123070 more like this
star this property question first answered
less than 2018-01-24T13:38:00.157Zmore like thismore than 2018-01-24T13:38:00.157Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter
823609
unstar this property registered interest false more like this
star this property date less than 2018-01-16more like thismore than 2018-01-16
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 Small Businesses: Productivity 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
unstar this property question text To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the relationship between the productivity of small and medium sized enterprises and access to physical banking services. more like this
star this property tabling member constituency Rutherglen and Hamilton West more like this
star this property tabling member printed
Ged Killen more like this
star this property uin 123070 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-01-24more like thismore than 2018-01-24
star this property answer text <p>The Treasury has no made no such assessments. The decision to open and close branches remains a commercial judgement for banks. However, the impact of closures on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The industry’s Access to Banking Standard, launched in May 2017, commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help. The Access to Banking Standard is monitored and enforced by the independent Lending Standards Board.</p><p> </p><p>99% of personal and 95% of banks’ business customers are now able to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,600 branches. At Autumn Budget 2017, my predecessor wrote to the Post Office and UK Finance to ask them to raise public awareness of the banking services available at the Post Office for individuals and SMEs. I look forward to receiving their proposals later this month.</p><p> </p><p>More widely, the Government remains committed to supporting SMEs’ access to the finance they need to grow and expand, and has: established the British Business Bank to make finance markets work better for small businesses; supported challenger banks; introduced a bespoke regime for peer-to-peer lending; and made structural interventions such as the Bank Referral Scheme and the SME credit data sharing scheme.</p>
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property grouped question UIN 123068 more like this
star this property question first answered
less than 2018-01-24T13:38:00.047Zmore like thismore than 2018-01-24T13:38:00.047Z
star this property answering member
4051
star this property label Biography information for John Glen remove filter
star this property tabling member
4672
unstar this property label Biography information for Ged Killen remove filter