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Decisions concerning the provision and pricing of products, including account charges, are commercial decisions for banks. Therefore, while the Government recognises and values the important role of the charitable sector, it would be inappropriate for it to intervene in these decisions.<\/p>
<\/p>
However, I do recognise the challenges some charitable organisations have been facing. That's why I hosted a roundtable event on 22 March, bringing together lenders and charity representatives to discuss this important issue. This allowed lenders to hear first-hand the problems many charities have experienced, as well as to set out the products they offer, and what charities need to consider in relation to banking requirements.<\/p>
<\/p>
Following the meeting, UK Finance committed to working with banks and charity representatives to produce guidance aimed at helping charities access and understand banking requirements. In the meantime, charities may find it useful to explore the Business Current Account finder tool developed by UK Finance. This was designed to help businesses compare the full range of available accounts, including fees charged by providers, to find products that best suit their needs. It can be found online at: https://www.betterbusinessfinance.co.uk/account-opening<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2022-05-16", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "435"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2022-05-16T13:39:04.257Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2022-05-10", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Bank Services: Charities"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, what recent assessment he has made of the impact of charges banks have applied to the accounts of charities.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4653", "label" : {"_value" : "Biography information for Stephen Morgan"} } , "tablingMemberConstituency" : {"_value" : "Portsmouth South"} , "tablingMemberPrinted" : [{"_value" : "Stephen Morgan"} ], "uin" : "436"} , {"_about" : "http://data.parliament.uk/resources/1149417", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1149417/answer", "answerText" : {"_value" : "
There are comparatively high levels of customer engagement in the UK mortgage market, with 75% of customers taking out a new product within 6 months of being on the reversion rate.<\/p>
Whilst the levels of customer engagement are comparatively high in the mortgage market, the Government is not complacent. That is why HM Treasury (HMT) has worked closely with the Financial Conduct Authority (FCA) on changes to their lending rules, which will remove the regulatory barrier which currently prevents some borrowers from switching to a new deal. These changes will be in place before the end of the year.<\/p>
HMT also supports the current FCA research into customers who could switch at the end of the fixed introductory period but who choose to stay on the reversion rate.<\/p>
No recent representations have been made to the Chancellor of the Exchequer on the loyalty penalty in the mortgage market.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2019-10-21", "_datatype" : "dateTime"} , "groupedQuestionUIN" : [{"_value" : "435"} , {"_value" : "437"} ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2019-10-21T13:51:56.057Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2019-10-15", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Mortgages"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, what steps his Department is taking to help tackle the loyalty penalty in the mortgage market.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/308", "label" : {"_value" : "Biography information for Mr Jim Cunningham"} } , "tablingMemberConstituency" : {"_value" : "Coventry South"} , "tablingMemberPrinted" : [{"_value" : "Mr Jim Cunningham"} ], "uin" : "436"} ], "itemsPerPage" : 10, "page" : 0, "startIndex" : 1, "totalResults" : 2, "type" : "http://purl.org/linked-data/api/vocab#Page"} }