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1110831

	registered interest
	date	09/04/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing: Rural Areas
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what steps is he taking to seek to ensure that ATM operators maintain no charge access to machines in rural areas throughout the UK.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	242726
	answer	answer is ministerial correction date of answer 15/04/2019 answer text <p>The Government-established Payment Systems Regulator (PSR) is closely monitoring developments within ATM provision. The PSR regulates LINK, the scheme which runs the UK’s ATM network and has used its powers to hold LINK to account over LINK’s commitments to preserve the broad geographic spread of the ATM network.</p><p> </p><p>Additionally, LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM and has also enhanced its Financial Inclusion Programme, tripling the funding available to ATMs in the most deprived areas of the UK. LINK has also announced new additional premiums to safeguard the presence of free-to-use ATMs in remote and deprived areas.</p> answering member constituency Salisbury answering member printed John Glen question first answered 15/04/2019 11:17:22 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

1050481

	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	Credit: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether he has made representations to the Financial Conduct Authority on investigating whether payday loan companies are applying affordability checks to applicants.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	213971
	answer	answer is ministerial correction date of answer 04/02/2019 answer text <p>The Regulation of consumer credit is a matter for the Financial Conduct Authority (FCA). The government has given the FCA strong powers to protect consumers and to take action against firms and individuals that do not meet its standards.</p><p>FCA rules are based on the principle that money should only be lent to a consumer if they can afford to repay it. The rules set out what is expected of firms, and the sanctions if they lend irresponsibly.</p><p>Treasury ministers and officials meet regularly with the FCA, and the government will continue to work closely with the FCA to ensure all customers are treated fairly.</p> answering member constituency Salisbury answering member printed John Glen question first answered 04/02/2019 14:23:30 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

886141

	registered interest
	date	18/04/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will take steps to ensure that Asset Fund Managers automatically switch small investors' funds into less costly management options in compliance with Financial Conduct Authority guidance.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	136336
	answer	answer is ministerial correction date of answer 23/04/2018 answer text <p>The Financial Conduct Authority (FCA) sets the overall conduct standards for asset managers, including the requirement to treat customers fairly. The FCA has a broad suite of supervision and enforcement powers, to ensure financial services businesses comply with their rules.</p><p> </p><p>Following a comprehensive Market Study, the FCA have published new rules and guidance, aimed at driving better competition in the sector and allowing customers to find better value services. Specifically, the new regulations will require firms to publicly report on whether clients should be moved to lower cost share classes, where they are invested in more expensive classes which are otherwise the same. They will also make it easier for investors to be switched on to less costly management options by removing the need to secure express consent from investors.</p> answering member constituency Salisbury answering member printed John Glen question first answered 23/04/2018 15:53:49 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

990273

	registered interest
	date	18/10/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services: Fees and Charges
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if he will undertake a review of the operation of the Financial Conduct Authority rules to ensure a cap on excessive early exit charges since April 2017.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	181192
	answer	answer is ministerial correction date of answer 23/10/2018 answer text <p>The Government continues to work closely with the FCA to ensure there is a competitive, innovative retirement income market and that customers are treated fairly and benefit from appropriate protections.</p><p> </p><p>After the pension freedoms were introduced in April 2015, some consumers were facing early exit charges of 5% or more of the fund value. Consequently, the Government legislated for the FCA to introduce a cap on early exit charges, which came into force from 31 March 2017. The Government estimated that the 1% cap introduced by the FCA would lead to savings for consumers of £42.7m between 2017 and 2020.</p><p> </p><p>The Government has no plans to undertake a review of the operation of the early exit charge cap at this time.</p> answering member constituency Salisbury answering member printed John Glen question first answered 23/10/2018 14:26:03 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

868365

	registered interest
	date	21/03/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services: Regulation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, whether paragraph 2.1 of the Financial Conduct Authority's (FCA) Principles for Business applies to (a) all firms authorised by the FCA and (b) firms engaged in regulated activities which are not authorised by the FCA.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	133585
	answer	answer is ministerial correction date of answer 26/03/2018 answer text <p>Under the Financial Services and Markets Act 2000, any firm (whether a business, a not-for-profit or a sole trader) carrying out a regulated activity must be authorised or registered by the FCA, unless they are exempt. It is a criminal offence to carry out regulated activities if a firm is not authorised or exempt.</p><p> </p><p>All FCA regulated firms must adhere to the Principles for Businesses, as set out in the FCA Handbook.</p> answering member constituency Salisbury answering member printed John Glen question first answered 26/03/2018 13:05:38 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

1008452

	registered interest
	date	16/11/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Foreign Investment in UK
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what the level of foreign direct investment was in the 12 months from July 2017.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	192101
	answer	answer is ministerial correction date of answer 21/11/2018 answer text <p>The latest ONS Balance of Payments data shows that in the year to 2018 Q2, foreign direct investment flows (net incurrence of liabilities) into the UK measured £58.1bn.</p> answering member constituency Salisbury answering member printed John Glen question first answered 21/11/2018 14:35:28 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

1077215

	registered interest
	date	25/02/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Funerals: Pre-payment
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the potential merits of urgently bringing forward legislative proposals for the regulation of the sale of pre-paid funeral plans under the remit of the Financial Conduct Authority.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	225427
	answer	answer is ministerial correction date of answer 28/02/2019 answer text <p>The government launched a call for evidence on the regulation of pre-paid funeral plans in June 2018, having concluded that the current framework of self-regulation is not sufficient to ensure the fair treatment of consumers, and a more robust regulatory regime is needed.</p><p> </p><p>The call for evidence was launched in order to aid in the design of a more appropriate regulatory framework and noted that government’s initial preferred approach is to bring all funeral plan contracts into the scope of FCA regulation.</p><p> </p><p>HM Treasury has now analysed the submissions to the call for evidence on pre-paid funeral plans and is currently reviewing the available policy options.</p> answering member constituency Salisbury answering member printed John Glen question first answered 28/02/2019 15:45:43 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

1003587

	registered interest
	date	09/11/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Help to Save Scheme
	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 publicise the Help to Save scheme to working families.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	189603
	answer	answer is ministerial correction date of answer 14/11/2018 answer text <p>The Government launched the Help to Save scheme in September, following a successful trial. Help to Save forms part of the Government’s commitment to supporting people at all income levels and all stages of life to save.</p><p> </p><p>Working families in receipt of working tax credits or Universal Credit will find a link to the Help to Save application site at existing touchpoints they have with Government including the online Tax Credits Service, Universal Credit pages on GOV.UK and through a dedicated section on the site for Northern Ireland residents, NI Direct. In addition, Universal Credit work coaches UK-wide are signposting Help to Save to those who could benefit. Individuals can also go directly to the Help to Save site to apply, or if they don’t have access to the internet they can set up an account by phoning 0300 322 7093.</p><p> </p><p>For the launch the Government used a range of coordinated communications across a variety of channels to target potential savers. It is continuing to work with industry stakeholders and partners in order to further publicise the scheme, as well as using a mix of national, regional and social media.</p> answering member constituency Salisbury answering member printed John Glen question first answered 14/11/2018 15:30:27 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

885243

	registered interest
	date	17/04/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Individual Savings Accounts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what the change in the ratio of investments in stocks and shares ISAs to cash ISAs has been in each of the last five years.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	136108
	answer	answer is ministerial correction date of answer 23/04/2018 answer text <p>HMRC publishes annual statistics on new subscriptions and total savings in cash and stocks and shares Individual Savings Accounts (ISAs). These are available on the GOV.UK website: <a href="https://www.gov.uk/government/collections/individual-savings-accounts-isa-statistics" target="_blank">https://www.gov.uk/government/collections/individual-savings-accounts-isa-statistics</a></p><p> </p><p>These statistics consider investments in ISAs in a number of ways, including: the number of accounts subscribed to, the amounts subscribed and the total market value of funds.</p> answering member constituency Salisbury answering member printed John Glen question first answered 23/04/2018 09:11:55 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell

1049996

	registered interest
	date	28/01/2019
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inflation and Social Security Benefits
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, for what reasons (a) his Department uses different indices to measure inflation and (b) benefit increases are pegged to the lower index.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	213258
	answer	answer is ministerial correction date of answer 31/01/2019 answer text <p>The government currently makes use of both the Consumer Prices Index (CPI) and the Retail Prices Index (RPI). We recognise that there are issues in the way that RPI is measured and, as set out at Autumn Budget 2018, the government’s objective is to reduce the use of RPI when and where practicable.</p> answering member constituency Salisbury answering member printed John Glen question first answered 31/01/2019 15:57:25 answering member 4051 label Biography information for John Glen
	tabling member	1409 label Biography information for Mr Gregory Campbell