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1121594

	registered interest
	date	11/04/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services: Fees and Charges
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the charges levied on customers by UK banks.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL15245
	answer	answer is ministerial correction date of answer 25/04/2019 answer text <p>The Treasury does not make assessments on the charges levied on customers by UK banks because in most circumstances fees and charges are commercial decisions for the bank.</p> answering member printed Lord Young of Cookham question first answered 25/04/2019 10:54:33 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

1123292

	registered interest
	date	25/04/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the number of people who have no form of bank account in the UK and the additional costs such people incur to access certain goods and services.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL15348
	answer	answer is ministerial correction date of answer 09/05/2019 answer text <p>The Government takes financial inclusion very seriously and is working to ensure everyone can have access to useful and affordable financial services, including a bank account.</p><p> </p><p>The Treasury does not make assessments of the number of people who do not have a bank account or the additional costs that may be incurred. However, in 2017, the Financial Conduct Authority published the results of the Financial Lives Survey which found that 1.3 million UK adults were unbanked, i.e. have no current account or alternative e-money account.</p><p> </p><p>The Financial Lives Survey report contains further information on the characteristics of the unbanked. The report analyses survey results across the four nations of the UK, the nine regions of England, and by rural and urban areas. The FCA intend to repeat the Financial Lives Survey on a regular basis in future.</p><p> </p><p> </p><p>However, the nine largest personal current account providers in the UK are legally required to offer fee-free basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account. Accounts have all the standard payment features such as Direct Debits and Standing Orders, though no overdraft or cheque book facilities. The Treasury’s December 2018 publication shows that in total there are nearly 7.5 million basic bank accounts open in the UK.</p> answering member printed Lord Young of Cookham question first answered 09/05/2019 10:37:58 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

1140474

	registered interest
	date	18/07/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Institutions: Fines
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what is the total (1) number, and (2) amount, of fines that have been imposed on banks and other companies in the financial sector since 2015; and what the money collected has been used for.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL17307
	answer	answer is ministerial correction date of answer 23/07/2019 answer text <p>Information on the fines imposed on financial sector firms can be found on the FCA’s website.</p><p> </p><p>Between financial years 2015/16 and 2018/19 the Financial Conduct Authority and the Prudential Regulation Authority have levied a total of 37 fines on banks and other financial sector firms. The total amount fined over this four year period was one billion, three hundred and sixty seven million pounds.</p><p> </p><p>Since 2015 money from these fines, minus enforcement costs, has been transferred directly to the Government’s consolidated fund. Fine income entering the Consolidated Fund is not earmarked for any specific purpose but is instead part of the Government’s total revenues. Government revenues are used to pay for all Government spending on public services.</p> answering member printed Lord Young of Cookham question first answered 23/07/2019 16:24:18 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

600525

	registered interest
	date	12/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Consumer Goods: Imports
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what impact they expect the recent fall in the value of sterling to have on imported consumer goods.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL2278
	answer	answer is ministerial correction date of answer 25/10/2016 answer text <p>Before the referendum on the UK’s membership of the EU, the UK government published short-term and long-term assessments of the likely impact on the UK economy from leaving the EU, including the effects of sterling revaluation. HM Government is monitoring economic developments closely and the independent Office for Budget Responsibility will produce an updated economic forecast alongside Autumn Statement 2016.</p> answering member printed Lord Young of Cookham question first answered 25/10/2016 11:09:30 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

619492

	registered interest
	date	24/10/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Exchange Rates
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what is their assessment of the recent fall in the value of sterling.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL2598
	answer	answer is ministerial correction date of answer 02/11/2016 answer text <p>The UK has an inflation target, not an exchange rate target. The value of sterling adjusts flexibly in response to economic conditions and market forces.</p><p> </p><p>We are going through a period of adjustment as the economy responds to the vote to leave the European Union. The fundamental strength of the UK economy means that it is well-placed to deal with the challenges, and take advantage of the opportunities, that lie ahead.</p> answering member printed Lord Young of Cookham question first answered 02/11/2016 16:15:10 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

646550

	registered interest
	date	28/11/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Social Rented Housing: Rural Areas
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government whether they have plans to reform the income tax relief system to encourage the building of social housing on rural exception sites; and if so, what are those plans.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL3569
	answer	answer is ministerial correction date of answer 05/12/2016 answer text <p>The Government currently has no plans to reform the income tax relief system or rollover relief provisions for Capital Gains Tax in order to encourage the building of social housing on rural exception sites.</p> answering member printed Lord Young of Cookham grouped question UIN HL3570 question first answered 05/12/2016 16:41:46 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

646551

	registered interest
	date	28/11/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Social Rented Housing: Rural Areas
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government whether they have plans to look at reform of the rollover relief provisions for Capital Gains Tax to encourage the building of social housing on rural exception sites; and if so, what are those plans.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL3570
	answer	answer is ministerial correction date of answer 05/12/2016 answer text <p>The Government currently has no plans to reform the income tax relief system or rollover relief provisions for Capital Gains Tax in order to encourage the building of social housing on rural exception sites.</p> answering member printed Lord Young of Cookham grouped question UIN HL3569 question first answered 05/12/2016 16:41:45 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

1002242

	registered interest
	date	05/11/2018
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Local Resilience Forums: Emergencies
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what are the reasonable worst-case scenarios that they have asked local resilience forums to work on.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL11263
	answer	answer is ministerial correction date of answer 13/11/2018 answer text <p>Local Resilience Forums are required under the Civil Contingencies Act to compile and publish community risk registers setting out the main risks in their areas to both raise awareness and guide contingency planning. In doing this, they are guided by, among other things, the National Risk Assessment (NRA) which covers the range of risks that could cause a civil emergency in the UK, and provides a list of the common consequences of these risks in the form of planning assumptions. These cover the maximum scale, duration and impact that could reasonably be expected to occur as a result of emergencies.</p><p>The NRA is classified for national security reasons, and it is therefore not possible to share details of the reasonable worst-case scenarios or planning assumptions. A declassified version is available in the form of the <a href="https://www.gov.uk/government/publications/national-risk-register-for-civil-emergencies-2015-edition" target="_blank">National Risk Register of Civil Emergencies</a> (NRR). This is also provided to the local planning community, and has been placed in the House of Lords Library. Most Community Risk Registers are also available online.</p><p><strong> </strong></p> answering member printed Lord Young of Cookham question first answered 13/11/2018 16:52:27 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

1088869

	registered interest
	date	14/03/2019
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Grenfell Tower Inquiry
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they expect Sir Martin Moore-Bick to publish his report on the first phase of the Grenfell Tower Inquiry.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL14574
	answer	answer is ministerial correction date of answer 25/03/2019 answer text <p>The timetable for the independent public Inquiry into the Grenfell Tower fire is a matter for the Inquiry Chair.</p><p><strong> </strong></p><p>The Inquiry’s most recent update, published on their website on 5 March, confirms that the Chairman is in the process of drafting the Phase 1 report and that he hopes to complete it in the spring.</p><p> </p> answering member printed Lord Young of Cookham question first answered 25/03/2019 11:56:11 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

675213

	registered interest
	date	18/01/2017
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Written Questions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, where one department has provided information in the response to a Question for Written Answer, whether they would expect other departments to answer a similar question in a similar manner.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL4778
	answer	answer is ministerial correction date of answer 24/01/2017 answer text <p>The content of each answer is a matter for the Minister concerned, and each Minister is responsible to the House for the answers they provide. Answers to similar questions asked of different Departments can vary.</p> answering member printed Lord Young of Cookham question first answered 24/01/2017 15:55:31 answering member 57 label Biography information for Lord Young of Cookham
	tabling member	4153 label Biography information for Lord Kennedy of Southwark