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438850

	registered interest
	date	16/12/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent representations he has received about the level of household debt.
	tabling member constituency	Feltham and Heston
	tabling member printed	Seema Malhotra
	uin	20351
	answer	answer is ministerial correction date of answer 05/01/2016 answer text <br /><p>The government has taken action on household debt by establishing the independent Financial Policy Committee (FPC) within the Bank of England to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 05/01/2016 14:06:57 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4253 label Biography information for Seema Malhotra

437921

	registered interest
	date	14/12/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to address the level of UK household debt.
	tabling member constituency	Feltham and Heston
	tabling member printed	Seema Malhotra
	uin	19999
	answer	answer is ministerial correction date of answer 17/12/2015 answer text <p>Household debt as a proportion of income has fallen to 144 per cent in Q2 2015, from a peak of 168 per cent in Q1 2008. To avoid repeating the mistakes of the past we have created the independent Financial Policy Committee (FPC) within the Bank of England to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed. The FPC recently re-affirmed its view that, given the actions it has taken, household indebtedness did not pose an imminent threat to financial stability.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 17/12/2015 14:10:57 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4253 label Biography information for Seema Malhotra

443713

	registered interest
	date	11/01/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what representations he has received since September 2015 on (a) consumer debt and (b) personal loans.
	tabling member constituency	Feltham and Heston
	tabling member printed	Seema Malhotra
	uin	21831
	answer	answer is ministerial correction date of answer 14/01/2016 answer text <p>The Government has fundamentally reformed the regulation of consumer credit, transferring regulatory responsibility from the Office of Fair Trading to the Financial Conduct Authority (FCA). The FCA regime has been designed to strike the right balance between proportionality and consumer protection. The Government has ensured that the FCA has robust powers to protect consumers.</p><br /><p>Treasury Ministers and officials have meetings with, and receive letters from, a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery.</p><br /><p>Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at:</p><p>https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 14/01/2016 16:19:25 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4253 label Biography information for Seema Malhotra

443712

	registered interest
	date	11/01/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what representations he has received since September 2015 on the level of household debt; and on what dates he received those representations.
	tabling member constituency	Feltham and Heston
	tabling member printed	Seema Malhotra
	uin	21830
	answer	answer is ministerial correction date of answer 14/01/2016 answer text <p>The government has taken action on household debt by establishing the independent Financial Policy Committee (FPC) within the Bank of England to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 14/01/2016 16:14:06 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4253 label Biography information for Seema Malhotra

443711

	registered interest
	date	11/01/2016
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to address the forecast rise in household debt as defined by the Office for Budget Responsibility on page 69 of its November 2015 report, the Economic and Fiscal Outlook.
	tabling member constituency	Feltham and Heston
	tabling member printed	Seema Malhotra
	uin	21832
	answer	answer is ministerial correction date of answer 14/01/2016 answer text <p>To avoid repeating the mistakes of the past we have created the independent Financial Policy Committee (FPC) within the Bank of England to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed. The FPC has taken action on loan-to-income ratios and mortgage affordability to ensure against a significant rise in the number of highly indebted households.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 14/01/2016 14:48:07 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4253 label Biography information for Seema Malhotra