{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?AnsweringBody.=Treasury&max-date=2018-11-05&answer.answeringMember.label=Biography+information+for+John+Glen", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?AnsweringBody.=Treasury&max-date=2018-11-05&answer.answeringMember.label=Biography+information+for+John+Glen", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?AnsweringBody.=Treasury&max-date=2018-11-05&_metadata=all&answer.answeringMember.label=Biography+information+for+John+Glen", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?_page=0&AnsweringBody.=Treasury&max-date=2018-11-05&answer.answeringMember.label=Biography+information+for+John+Glen", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?AnsweringBody.=Treasury&max-date=2018-11-05&answer.answeringMember.label=Biography+information+for+John+Glen", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?AnsweringBody.=Treasury&max-date=2018-11-05&answer.answeringMember.label=Biography+information+for+John+Glen", "items" : [{"_about" : "http://data.parliament.uk/resources/1001947", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1001947/answer", "answerText" : {"_value" : "
The EU Mortgage Credit Directive (MCD), which came into force in March 2016, prevents lenders waiving the affordability requirements when a borrower moves to a new lender. As a result some borrowers may find it harder to switch to a new lender to access lower rates.<\/p>
<\/p>
While we must comply with the MCD, the Financial Conduct Authority have put in place exemptions which allow lenders to waive affordability requirements for customers that are remortgaging with their existing lender but not increasing the size of their debt. In addition in July 2018, UK Finance, the Building Socieities Association, and the Intermediary Mortgage Lenders Association, announced a cross industry voluntary agreement. Under this agreement lenders undertook to write by the end of 2018 to any borrowers on the reversion rate who are up to date with payments, and have a minimum of 2 years and £10,000 left on their mortgage, to let them know they can access lower mortgage rates with their existing lender. Officials in the Treasury continue to work closely with the FCA and industry to explore what more can be done. <\/strong><\/p>"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what assessment he has made of the effect of the EU Mortgage Credit Directive on access to lower mortgage rates.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/114", "label" : {"_value" : "Biography information for Tim Loughton"}
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, {"_about" : "http://data.parliament.uk/resources/1002049", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1002049/answer", "answerText" : {"_value" : " Treasury Ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery.<\/p> <\/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<\/a><\/p>"}
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, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Electronic Funds Transfer"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what discussions he has had with his European counterparts on the feasibility of establishing an alternative mechanism for money transfers autonomous from the Society for Worldwide Interbank Financial Telecommunication.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1536", "label" : {"_value" : "Biography information for Emily Thornberry"}
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, "tablingMemberPrinted" : [{"_value" : "Emily Thornberry"}
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, {"_about" : "http://data.parliament.uk/resources/1002088", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1002088/answer", "answerText" : {"_value" : " The Government estimates that only 1 in 5 landlords would pay more tax as a result of the restrictions to landlords\u2019 finance cost relief, once it is fully implemented. When introduced, the government did not expect this measure to have a significant impact on either house prices or rent levels.<\/p> The restrictions came in to effect in April 2017. The most recent Office for National Statistics (ONS) index of private housing rental prices shows that rental prices increased by 0.9% in the 12 months to September 2018. A year ago (the 12 months to September 2017) the annual rate of growth was 1.6%.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"}
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, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
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], "questionText" : "To ask the Mr Chancellor of the Exchequer, whether his Department has made an assessment of the effect on low-income tenants of landlords adjust their rental prices in relation to section 24 of the Finance (No. 2) Act 2015.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4641", "label" : {"_value" : "Biography information for Alex Norris"}
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, {"_about" : "http://data.parliament.uk/resources/1000267", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1000267/answer", "answerText" : {"_value" : " The Bank of England is responsible for the design, production, issue and distribution of bank notes. On 2 November 2018, the Governor of the Bank of England announced that the design of the new £50 note will celebrate the UK\u2019s contribution to science. Members of the public have until 14 December to nominate a historical character who has contributed to science and influenced UK society to feature on the note.<\/p>"}
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, "date" : {"_value" : "2018-11-02", "_datatype" : "dateTime"}
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, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what discussions he has had with the Governor of the Bank of England on the person who will be represented on the new £50 note.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4504", "label" : {"_value" : "Biography information for Wes Streeting"}
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, "tablingMemberPrinted" : [{"_value" : "Wes Streeting"}
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, {"_about" : "http://data.parliament.uk/resources/1000309", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1000309/answer", "answerText" : {"_value" : " HM Treasury is in regular discussions with the Money Advice (MAS), the main organisers of Talk Money Week, about debt advice, financial capability and financial education policy. The Government strongly supports and looks forward to Talk Money Week and I am providing the keynote speech at the Talk Money Conference on the 14th<\/sup> November.<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"}
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, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what discussions (a) he and (b) officials in his office have had with representatives of Talk Money Week.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1506", "label" : {"_value" : "Biography information for Andrew Gwynne"}
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, {"_about" : "http://data.parliament.uk/resources/1000310", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1000310/answer", "answerText" : {"_value" : " HM Treasury is in regular discussions with the Money Advice (MAS), the main organisers of Talk Money Week, about debt advice, financial capability and financial education policy. The Government strongly supports and looks forward to Talk Money Week and I am providing the keynote speech at the Talk Money Conference on the 14th<\/sup> November.<\/p> <\/p>"}
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, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what discussions officials in his Department have had with representatives of Talk Money Week.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1506", "label" : {"_value" : "Biography information for Andrew Gwynne"}
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, {"_about" : "http://data.parliament.uk/resources/999490", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/999490/answer", "answerText" : {"_value" : " As my Rt Hon friend Mel Stride MP set out on 10 September 2018, it is difficult to isolate the impact of insurance premium tax rate increases from other factors impacting on the price of insurance products.<\/p> <\/p> The Government nonetheless publishes prospective impact assessments for the changes in the rate of Insurance Premium Tax (IPT).<\/p> <\/p> The assessment for the last change (announced at Autumn Statement 2016) can be found here:<\/p> <\/p>