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1415812

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	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 implications for his policies of the increase in the number of people using buy now, pay later services.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110322
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110323 110324 110325 110326 110647 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1415813

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Public Consultation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, when he plans to publish a response to the consultation on the regulation of buy now pay later products which closed on 6 January 2022.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110323
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110322 110324 110325 110326 110647 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1415814

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Young People
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of 18 to 24 year olds who have been referred to debt collection agencies by buy now, pay later firms in the last 12 months.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110324
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110322 110323 110325 110326 110647 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1415815

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of amount collected in late payment fees by the buy now, pay later sector in each of the last three years.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110325
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110322 110323 110324 110326 110647 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1415816

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	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 implications for his policies of increases in the number of people using buy now, pay later services as an additional form of short-term credit financing.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110326
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110322 110323 110324 110325 110647 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1415988

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Personal Care Services: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what financial support the Government has put in place for beauty salons affected by Plan B covid-19 restrictions.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110327
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>In December, Government announced a generous £1 billion package of support for business and their employees to help them manage the effects of the rapid surge of Omicron and bounce back quickly.</p><p> </p><p>The Omicron Hospitality and Leisure Grant scheme, announced on 21 December, is intended to provide targeted support for the food and beverage, accommodation and leisure sectors which offer in-person services. This action was taken to support businesses impacted by the Omicron variant, which led to the public voluntarily restricting their social mixing and reports that many businesses in these sectors had lost 40-60% of their December trade. Personal Care services are not eligible for this scheme.</p><p> </p><p>However, in recognition that other businesses outside the scope of this grant may have been impacted, local authorities in England also received a top-up worth a total of £102 million to their Additional Restrictions Grant (ARG) fund. Distribution of ARG funds is at the local authority's discretion.</p><p> </p><p>Due to the balanced and proportionate approach taken by the Government in response to the Omicron variant, Cabinet has decided to return to Plan A in England.</p> answering member constituency Faversham and Mid Kent answering member printed Helen Whately question first answered 31/01/2022 16:44:38 answering member 4527 label Biography information for Helen Whately
	tabling member	3985 label Biography information for Robert Halfon

1415817

	registered interest
	date	24/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	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 ensure people understand the financial consequences of using buy now, pay later services to fund purchases.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	110647
	answer	answer is ministerial correction date of answer 31/01/2022 answer text <p>HM Treasury regularly monitors changes in the consumer credit market as part of the normal process of policy development.</p><p> </p><p>The Woolard Review into the unsecured credit market found several potential risks of consumer detriment from interest-free Buy-Now Pay-Later products, including the absence of information given to consumers about features of Buy-Now Pay-Later agreements. The Government recognises those risks, but also notes that as an interest-free product, Buy-Now Pay-Later can often be lower-risk than other forms of borrowing and a useful tool to help consumers manage their finances. That is why, on 2 February 2021, the Government announced its intention to regulate Buy-Now Pay-Later products in a proportionate manner.</p><p> </p><p>The Government published a consultation on policy proposals for the regulation of Buy-Now Pay-Later on 21 October 2021, which closed on 6 January. The consultation included proposals to apply Financial Conduct Authority (FCA) rules on pre-contract disclosure and adequate explanations to Buy-Now Pay-Later agreements. These rules require firms to make adequate pre-contractual explanation to ensure the customer is in a position to assess whether the agreement is suitable for their needs and financial situation.</p><p> </p><p>The Government is now reviewing responses to this consultation and considering next steps and intends to publish a consultation response in the spring.</p><p> </p><p>HMT does not hold information regarding the number of 18- to 24-year-olds who have been referred to debt collection agencies by Buy-Now Pay-Later in the last 12 months, or the amount collected in late payment fees by the Buy-Now Pay-Later sector in each of the last three years. Instead, HMT draws on the research of various stakeholders including consumer groups and the wider financial services industry.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 110322 110323 110324 110325 110326 question first answered 31/01/2022 16:29:27 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

782641

	registered interest
	date	02/11/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Fuels: Excise Duties
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how much has been raised from fuel duty in each year since 2010.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	111101
	answer	answer is ministerial correction date of answer 08/11/2017 answer text <p>Fuel duty receipts statistics are available in HMRC’s Hydrocarbon Oils bulletin (see link below). This includes a breakdown of receipts by the main fuel types.</p><p><a href="https://www.uktradeinfo.com/Statistics/Tax%20and%20Duty%20Bulletins/Oils0817.xls" target="_blank">https://www.uktradeinfo.com/Statistics/Tax and Duty Bulletins/Oils0817.xls</a></p><p> </p> answering member constituency Harrogate and Knaresborough answering member printed Andrew Jones question first answered 08/11/2017 12:43:55 answering member 3996 label Biography information for Andrew Jones
	tabling member	3985 label Biography information for Robert Halfon

1434137

	registered interest
	date	22/02/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Energy Bills Rebate
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what guidance is available to local authorities on the £150 Council Tax rebate.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	127361
	answer	answer is ministerial correction date of answer 28/02/2022 answer text <p>The Department for Levelling Up, Housing and Communities has published guidance to local authorities on administering the council tax rebate. This can be found in the link below:</p><p> </p><p><a href="https://www.gov.uk/government/publications/the-council-tax-rebate-2022-23-billing-authority-guidance" target="_blank">The council tax rebate 2022-23 – billing authority guidance - GOV.UK (www.gov.uk)</a></p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke grouped question UIN 127362 question first answered 28/02/2022 14:40:05 answering member 4655 label Biography information for Sir Simon Clarke
	tabling member	3985 label Biography information for Robert Halfon

1434138

	registered interest
	date	22/02/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Energy Bills Rebate
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what method local authorities will use to distribute the Council Tax Rebate.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	127362
	answer	answer is ministerial correction date of answer 28/02/2022 answer text <p>The Department for Levelling Up, Housing and Communities has published guidance to local authorities on administering the council tax rebate. This can be found in the link below:</p><p> </p><p><a href="https://www.gov.uk/government/publications/the-council-tax-rebate-2022-23-billing-authority-guidance" target="_blank">The council tax rebate 2022-23 – billing authority guidance - GOV.UK (www.gov.uk)</a></p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke grouped question UIN 127361 question first answered 28/02/2022 14:40:05 answering member 4655 label Biography information for Sir Simon Clarke
	tabling member	3985 label Biography information for Robert Halfon