The Financial Conduct Authority requires firms to provide adequate pre-contractual explanations to enable consumers to assess whether the proposed credit agreement is suited to their needs and financial situation.<\/p>
<\/p>
The requirement to provide pre-contract information (including the \u201ctotal charge for credit to be provided under the agreement\u201d) is set out in the Consumer Credit (Disclosure of Information) Regulations 2010 (subsequently amended by Consumer Credit (Amendment) Regulations 2010.) These regulations are made under s.55 Consumer Credit Act 1974 and implemented the various provisions in the Consumer Credit Directive requiring creditors under certain types of agreement to disclose information before the agreement is made.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/3929", "label" : {"_value" : "Biography information for Simon Kirby"} } , "answeringMemberConstituency" : {"_value" : "Brighton, Kemptown"} , "answeringMemberPrinted" : {"_value" : "Simon Kirby"} , "dateOfAnswer" : {"_value" : "2017-01-30", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2017-01-30T10:24:16.99Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Loans"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask Mr Chancellor of the Exchequer, what plans the Government has to implement a requirement for payment services lenders to clearly stipulate what the total cost of the loan will be for the entirety of the loan period.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4520", "label" : {"_value" : "Biography information for Matthew Pennycook"} } , "tablingMemberConstituency" : {"_value" : "Greenwich and Woolwich"} , "tablingMemberPrinted" : [{"_value" : "Matthew Pennycook"} ], "uin" : "60994"} , {"_about" : "http://data.parliament.uk/resources/676009", "AnsweringBody" : [{"_value" : "Department for Communities and Local Government"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/676009/answer", "answerText" : {"_value" : "
The information requested is not held centrally and could only be obtained at disproportionate cost.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4024", "label" : {"_value" : "Biography information for Mr Marcus Jones"} } , "answeringMemberConstituency" : {"_value" : "Nuneaton"} , "answeringMemberPrinted" : {"_value" : "Mr Marcus Jones"} , "dateOfAnswer" : {"_value" : "2017-01-27", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2017-01-27T15:40:54.853Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "7"} , "answeringDeptShortName" : {"_value" : "Communities and Local Government"} , "answeringDeptSortName" : {"_value" : "Communities and Local Government"} , "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Local Government: Motor Vehicles"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Secretary of State for Communities and Local Government, how many local government-owned vehicles have been found to be fitted with emissions defeat devices; and how many of those devices have been removed from such vehicles.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/1579", "label" : {"_value" : "Biography information for Mary Creagh"} } , "tablingMemberConstituency" : {"_value" : "Wakefield"} , "tablingMemberPrinted" : [{"_value" : "Mary Creagh"} ], "uin" : "61048"} , {"_about" : "http://data.parliament.uk/resources/676011", "AnsweringBody" : [{"_value" : "Department for Communities and Local Government"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/676011/answer", "answerText" : {"_value" : "
My department has published research on the effects of immigration on housing in a number of reports and statistical releases. The recent Casey Review presents evidence on the role of housing in the integration of immigrant populations. The English Housing Survey contains evidence on what proportion of housing is occupied by non-UK nationals. The household projections contain evidence on what proportion of household growth is attributable to net migration. Statistics published by my department on social lettings provide detail on how many social rented properties are let to non-UK nationals.<\/p>
The links to the documents referenced are below.<\/p>
Casey Review:https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/575973/The_Casey_Review_Report.pdf<\/a><\/p> English Housing Survey:https://www.gov.uk/government/collections/english-housing-survey<\/a><\/p> Household Projections (2014 based):https://www.gov.uk/government/collections/household-projections<\/a><\/p> Social Housing Lettings (2015/16):https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/575440/Social_housing_lettings_in_England_2015-16_revised_071216.pdf<\/a><\/p> <\/p> <\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3955", "label" : {"_value" : "Biography information for Lord Barwell"}
}
, "answeringMemberConstituency" : {"_value" : "Croydon Central"}
, "answeringMemberPrinted" : {"_value" : "Gavin Barwell"}
, "dateOfAnswer" : {"_value" : "2017-01-30", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2017-01-30T16:33:07.437Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "7"}
, "answeringDeptShortName" : {"_value" : "Communities and Local Government"}
, "answeringDeptSortName" : {"_value" : "Communities and Local Government"}
, "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Housing: Migrants"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Communities and Local Government, if he will place in the Library all research on the effect of immigration on housing commissioned by his Department or produced internally since 2010.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/400", "label" : {"_value" : "Biography information for John Healey"}
}
, "tablingMemberConstituency" : {"_value" : "Wentworth and Dearne"}
, "tablingMemberPrinted" : [{"_value" : "John Healey"}
], "uin" : "60963"}
, {"_about" : "http://data.parliament.uk/resources/676013", "AnsweringBody" : [{"_value" : "Department for Culture, Media and Sport"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/676013/answer", "answerText" : {"_value" : " There is no place for discrimination of any kind in sport, at any level. I receive regular updates on English football\u2019s Inclusion & Anti-Discrimination Action Plan, which details the work undertaken by the football authorities, clubs, County Football Associations and campaign groups to tackle all forms of discrimination and ensure the game is open and welcoming to everyone at all levels.<\/p> <\/p> We are fully appreciative of the efforts football and other sports have made over a number of years to tackle discrimination. For example football and rugby union bodies, including the Premier League, the Football Association, the English Football League, the Professional Game Match Officials Limited, Premiership Rugby and the Rugby Football Union, all supported Stonewall\u2019s Rainbow Laces campaign to show support for lesbian, gay, bi-sexual, and transgender (LGB&T) players and fans, as part of which players and officials wore rainbow-coloured laces and armbands.<\/p> <\/p> My Department is also supportive of the Home Office's recent work in partnership with Kick It Out to develop guidance on tackling anti-Muslim hatred and also on initiatives related to LGB&T hate crime. This was outlined in \u2018Action Against Hate', the government\u2019s plan for tackling hate crime, published in July 2016. It builds on Kick It Out's previous work with the Community Security Trust and Maccabi GB on reporting anti-Semitism in football through guidance to all professional clubs and managers of stadia.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3950", "label" : {"_value" : "Biography information for Dame Tracey Crouch"}
}
, "answeringMemberConstituency" : {"_value" : "Chatham and Aylesford"}
, "answeringMemberPrinted" : {"_value" : "Tracey Crouch"}
, "dateOfAnswer" : {"_value" : "2017-01-27", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2017-01-27T15:07:20.48Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "10"}
, "answeringDeptShortName" : {"_value" : "Culture, Media and Sport"}
, "answeringDeptSortName" : {"_value" : "Culture, Media and Sport"}
, "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Football: Discrimination"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Culture, Media and Sport, whether her Department supports projects in football to tackle anti-Semitism, Islamophobia, racism, homophobia and other forms of discrimination; and if she will make a statement.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4460", "label" : {"_value" : "Biography information for Ms Nusrat Ghani"}
}
, "tablingMemberConstituency" : {"_value" : "Wealden"}
, "tablingMemberPrinted" : [{"_value" : "Nusrat Ghani"}
], "uin" : "60966"}
, {"_about" : "http://data.parliament.uk/resources/676014", "AnsweringBody" : [{"_value" : "Department for Culture, Media and Sport"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/676014/answer", "answerText" : {"_value" : " The press self-regulators, the Independent Press Standards Organisation (IPSO) and the Independent Monitor for the Press (IMPRESS) each have a clear process for making complaints regarding the publications they regulate. Information about IPSO's complaints process is available here: https://www.ipso.co.uk/make-a-complaint/. Information about IMPRESS's complaints process is available here: http://www.impress.press/complaints/.<\/p> <\/p> Ofcom's process for complaints covers content on television, radio and on demand programme services. The Broadcasting code includes rules designed to protect viewers and listeners from harm and offence \u2013 such as what can be screened on TV before the 9pm watershed. Other areas of the Broadcasting Code address issues such as impartiality and accuracy, sponsorship and commercial references as well as fairness and privacy. Information about Ofcom's complaints process is available here https://www.ofcom.org.uk/tv-radio-and-on-demand/how-to-report-a-complaint<\/p> <\/p> In addition, Government expects social media providers to have robust process in place and act promptly when abuse is reported. The UK has strict laws governing such content, which apply equally online and offline.<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4070", "label" : {"_value" : "Biography information for Matt Hancock"}
}
, "answeringMemberConstituency" : {"_value" : "West Suffolk"}
, "answeringMemberPrinted" : {"_value" : "Matt Hancock"}
, "dateOfAnswer" : {"_value" : "2017-02-22", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2017-02-22T10:21:12.097Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "10"}
, "answeringDeptShortName" : {"_value" : "Culture, Media and Sport"}
, "answeringDeptSortName" : {"_value" : "Culture, Media and Sport"}
, "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Media: Complaints"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Culture, Media and Sport, with reference to the progress update to the All-Party Parliamentary Group against Anti-Semitism Inquiry into the rise in the number of anti-Semitic incidents following the Gaza conflict in 2014, published by the Department for Communities and Local Government in December 2016, what the evidential basis is for the statement that there are clear ways to register complaints regarding media content.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4460", "label" : {"_value" : "Biography information for Ms Nusrat Ghani"}
}
, "tablingMemberConstituency" : {"_value" : "Wealden"}
, "tablingMemberPrinted" : [{"_value" : "Nusrat Ghani"}
], "uin" : "60964"}
, {"_about" : "http://data.parliament.uk/resources/676015", "AnsweringBody" : [{"_value" : "Department for Communities and Local Government"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/676015/answer", "answerText" : {"_value" : " This Government has recognised the harm caused by hate on the internet and committed to take action to reduce this harm in the recently published Hate Crime Action Plan. Despite the challenges we face, we have made considerable progress in addressing hate on the internet. The Director of Public Prosecutions has published guidance to prosecutors on when it is in the public interest to take perpetrators to court. We also continue to support the police hate crime web-facility, True Vision to provide information to victims and professionals and to allow on-line reporting of hate crime. The College of Policing has included guidance to police and partners on responding to internet hate crime in their Hate Crime Strategy and Guidance. This guidance was downloaded over 4,700 times from True Vision in the first five months, in addition to the physical documents circulated to individual agencies.<\/p> We have supported the establishment of the UK No Hate Speech Movement which equips, trains and supports young volunteers to operate on the internet, supporting victims, reporting damaging material and challenging hate-fuelled perpetrators through \u2018counter-narrative\u2019 activity.<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4024", "label" : {"_value" : "Biography information for Mr Marcus Jones"}
}
, "answeringMemberConstituency" : {"_value" : "Nuneaton"}
, "answeringMemberPrinted" : {"_value" : "Mr Marcus Jones"}
, "dateOfAnswer" : {"_value" : "2017-04-26", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2017-04-26T16:41:36.217Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "7"}
, "answeringDeptShortName" : {"_value" : "Communities and Local Government"}
, "answeringDeptSortName" : {"_value" : "Communities and Local Government"}
, "date" : {"_value" : "2017-01-20", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Social Media: Hate Crime"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Communities and Local Government, what assessment his Department has made of the potential merits of introducing fines for social media companies which fail to remove hate material from their online platforms.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4460", "label" : {"_value" : "Biography information for Ms Nusrat Ghani"}
}
, "tablingMemberConstituency" : {"_value" : "Wealden"}
, "tablingMemberPrinted" : [{"_value" : "Nusrat Ghani"}
], "uin" : "61015"}
, {"_about" : "http://data.parliament.uk/resources/676016", "AnsweringBody" : [{"_value" : "Department for Communities and Local Government"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/676016/answer", "answerText" : {"_value" : " Formal negotiation with the internet industry to tackle online hate crime. including anti-Semitic content, has been led by officials from across government, primarily within the Cyber-Hate Working Group and latterly within the Internet Sub-Group of the European Commission High Level Group on Hate Crime. Both of these have led to voluntary agreements being drawn up concerning the code of conduct of industry bodies and their response to complaints from members of the public, for example:<\/p>