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786888

	registered interest
	date	10/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Business: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 7 November 2017 to Question 111359, what representations he has received from business organisations on extending the regulatory perimeter of the Financial Conduct Authority insofar as it relates to business lending.
	tabling member constituency	Sefton Central
	tabling member printed	Bill Esterson
	uin	112353
	answer	answer is ministerial correction date of answer 15/11/2017 answer text <p>The Chancellor receives representations from a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 15/11/2017 13:07:57 answering member 4095 label Biography information for Steve Barclay
	tabling member	4061 label Biography information for Bill Esterson

784767

	registered interest
	date	06/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Business: Loans
	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 proportion of (a) businesses whose lending and (b) funds lent to businesses which is regulated by the Financial Conduct Authority.
	tabling member constituency	Sefton Central
	tabling member printed	Bill Esterson
	uin	111702
	answer	answer is ministerial correction date of answer 14/11/2017 answer text <p>The Government is committed to extending the regulatory perimeter only where there is a clear case for doing so, in order to avoid putting additional costs on lenders that would ultimately lead to higher costs for businesses.</p><p> </p><p>However, unincorporated sole traders and small partnerships borrowing less than £25,000 do receive regulatory protection. In practice, the effect of this is that the smallest SMEs are more likely than not to receive regulatory protections when borrowing.</p><p> </p><p>The Financial Conduct Authority estimated in their 2015 Discussion Paper “Our approach to SMEs as users of financial services” that between 2010 and 2014, 41% of all the loans and overdrafts applied for by SMEs could potentially fall within the regulatory perimeter</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 111703 question first answered 14/11/2017 13:44:40 answering member 4095 label Biography information for Steve Barclay
	tabling member	4061 label Biography information for Bill Esterson

783165

	registered interest
	date	03/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Business: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 2 November 2017 to Question 110240 on the Royal Bank of Scotland, what plans he has to extend the responsibilities of the Financial Conduct Authority to oversee business lending.
	tabling member constituency	Sefton Central
	tabling member printed	Bill Esterson
	uin	111359
	answer	answer is ministerial correction date of answer 07/11/2017 answer text <p>The Government is committed to extending the regulatory perimeter only where there is a clear case for doing so, in order to avoid putting additional costs on lenders that would ultimately lead to higher costs for businesses.</p><p> </p><p>However, unincorporated sole traders and small partnerships borrowing less than £25,000 do receive regulatory protection. In practice, the effect of this is that the smallest SMEs are more likely than not to receive regulatory protections when borrowing.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 07/11/2017 14:53:11 answering member 4095 label Biography information for Steve Barclay
	tabling member	4061 label Biography information for Bill Esterson