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1147849

registered interest
date	02/10/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Low Pay: Young People
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to tackle low pay amongst workers aged 21 and below.
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	293695
answer	answer is ministerial correction date of answer 07/10/2019 answer text <p>Each year the Government asks the Low Pay Commission to recommend minimum wage rates for younger people that are as high as possible without damaging their employment prospects. All the National Minimum Wage rates for younger workers saw above inflation increases in April 2019. The Low Pay Commission will make recommendations for the April 2020 rates later in the autumn. Alongside changes to the minimum wage, the Government is taking action to support young people to gain the skills they need to succeed in the labour market, including the rollout of T Levels from September 2020, which will provide students with clear pathways to a well-paid skilled job.</p> answering member constituency Richmond (Yorks) answering member printed Rishi Sunak question first answered 07/10/2019 14:19:02 answering member 4483 label Biography information for Rishi Sunak
tabling member	4614 label Biography information for Hugh Gaffney

1133897

registered interest
date	21/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Consumers: Expenditure
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the change in the level of consumer spending in the UK.
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	267769
answer	answer is ministerial correction date of answer 01/07/2019 answer text <p>The Office for National Statistics (ONS) produces both quarterly and annual estimates of household final consumption expenditure (HHFCE).</p><p> </p><p>Household consumption grew by 1.8% in 2018, supported by a strong labour market which has seen the unemployment rate at its lowest since 1975, and regular wages outstripping inflation for over a year. The Office for Budget Responsibility (OBR) forecast consumption to grow in every year of their forecast.</p> answering member constituency Salisbury answering member printed John Glen question first answered 01/07/2019 15:30:37 answering member 4051 label Biography information for John Glen
tabling member	4614 label Biography information for Hugh Gaffney

1130985

registered interest
date	10/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Dispensing: Scotland
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to improve free access to cash in Scotland.
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	262435
answer	answer is ministerial correction date of answer 18/06/2019 answer text <p>The Government recognises that widespread free access to cash remains important to the day-to-day lives of many people and small businesses in Scotland and across the UK.</p><p>The UK has one of the most extensive free-to-use ATM networks in the world; around 80% of the ATM network in Scotland is free and there are now around 700 more free ATMs in Scotland compared to 2015. From January 2018 to March 2019, there were no publicly accessible Protected ATMs in Scotland that closed which did not have alternative free access to cash via another source, such as a Post Office.</p><p> </p><p>In addition, the Government is engaging, and will continue to engage, with the regulators and industry on this important topic. In 2015, the Government established the Payment Systems Regulator (PSR), with a statutory objective to ensure that the UK’s payment systems work in the interests of their users. As a result, the PSR is closely monitoring developments within ATM provision, and has used its powers to ensure LINK meets its commitment on maintaining the broad geographical spread of free-to-use ATMs.</p><p> </p><p>To support this, LINK has introduced premiums through its Financial Inclusion programme to boost interchange fees, helping protect ATMs in remote, rural and deprived locations.</p> answering member constituency Salisbury answering member printed John Glen question first answered 18/06/2019 13:02:36 answering member 4051 label Biography information for John Glen
tabling member	4614 label Biography information for Hugh Gaffney

1050388

registered interest
date	29/01/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Santander Group: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the effect of Santander's proposal to close 140 branches in the UK on people's access to money.
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	214048
answer	answer is ministerial correction date of answer 05/02/2019 answer text <p>The Treasury has not made an assessment. The decision to close a branch is a commercial issue for the management team of the bank. However, Government believes it is important the impact on communities must be understood, considered and mitigated where possible.</p><p> </p><p>The Government supports the industry’s Access to Banking Standard which commits banks to ensure personal and business customers are better informed about branch closures and the reasons for them closing. It also helps customers to understand 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>Government also considers it important that all customers, wherever they live and especially those who are vulnerable, can still access over the counter services. That is why we support the Post Office’s Banking Framework Agreement, which enables 99% of banks’ personal and 95% of banks’ small business customers to withdraw cash, deposit cash and cheques, and make balance enquiries at a Post Office counter via its network of 11,500 branches.</p><p> </p><p>The Government is committed to ensuring that communities across the UK are fully aware of the important services that remain available to them at their local Post Office, even if their bank branch is closed. In response to my predecessor’s request, the Post Office and UK Finance have committed to work together to raise public awareness of the banking services available at the Post Office for individuals and SMEs.</p> answering member constituency Salisbury answering member printed John Glen question first answered 05/02/2019 11:49:26 answering member 4051 label Biography information for John Glen
tabling member	4614 label Biography information for Hugh Gaffney

1037151

registered interest
date	07/01/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent estimate he has made of the level of average household debt.
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	206017
answer	answer is ministerial correction date of answer 14/01/2019 answer text <p>The Office for National Statistics (ONS) produces quarterly estimates of household debt in the UK, but not for estimates of average household debt in the UK. These estimates can be used to be measure household debt-to-income ratios, which provide a better measure for current levels of household debt in the economy by accounting for changes in both prices and the size of the population.</p><p> </p><p>In the UK as a whole, the household debt-to-income ratio was 139% in Q3 2018. This remains significantly below the pre-crisis peak of 160% in Q1 2008. Debt interest payments as a share of income remain low by historical standards and below pre-crisis levels. Household net financial wealth as a proportion of income remains close to record highs and above pre-crisis levels.</p> answering member constituency Salisbury answering member printed John Glen question first answered 14/01/2019 12:29:03 answering member 4051 label Biography information for John Glen
tabling member	4614 label Biography information for Hugh Gaffney

964894

registered interest
date	03/09/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Offshore Industry: Taxation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what the cost to the public purse has been of (a) subsidies and (b) reductions in tax for North Sea oil and gas companies in the last three years
tabling member constituency	Coatbridge, Chryston and Bellshill
tabling member printed	Hugh Gaffney
uin	169706
answer	answer is ministerial correction date of answer 11/09/2018 answer text <p>There are no subsidies available to North Sea oil and gas companies.</p><p> </p><p>Estimates of the reduction in taxes paid by North Sea companies due to changes to the tax regime are available from the policy costings documents published alongside each fiscal event on the gov.uk website.</p><p> </p> answering member constituency Newark answering member printed Robert Jenrick question first answered 11/09/2018 16:21:15 answering member 4320 label Biography information for Robert Jenrick
tabling member	4614 label Biography information for Hugh Gaffney