{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&hansardHeading=Mortgages%3A+Misrepresentation", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&hansardHeading=Mortgages%3A+Misrepresentation", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&_metadata=all&hansardHeading=Mortgages%3A+Misrepresentation", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?_page=0&min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&hansardHeading=Mortgages%3A+Misrepresentation", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&hansardHeading=Mortgages%3A+Misrepresentation", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-date=2019-05-21&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2019-07-17T15%3A54%3A31.963Z&hansardHeading=Mortgages%3A+Misrepresentation", "items" : [{"_about" : "http://data.parliament.uk/resources/1716191", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1716191/answer", "answerText" : {"_value" : "<p>The Financial Services Compensation Scheme may be able to pay compensation to customers who have lost money as a result of bad mortgage advice or been mis-sold mortgage endowments. The FSCS can only pay compensation if the firm, broker, or advisor that the customer dealt with was regulated and has failed. Any complaints about live regulated firms should be addressed to the Financial Ombudsman Service. For mortgage claims, the FSCS carries out its compensation function within rules set by the Financial Conduct Authority (FCA), but is operationally independent of them. The FSCS publishes an annual report and levy class statements, including for the home finance intermediation levy class. The FSCS\u2019s certified accounts and audit report are provided to HM Treasury each year, and copies are laid before Parliament.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4639", "label" : {"_value" : "Biography information for Bim Afolami"}
        }
        , "answeringMemberConstituency" : {"_value" : "Hitchin and Harpenden"}
        , "answeringMemberPrinted" : {"_value" : "Bim Afolami"}
        , "dateOfAnswer" : {"_value" : "2024-05-13", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2024-05-13T14:23:37.92Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2024-05-07", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "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 assessment he has made of the efficiency and effectiveness of the Financial Services Compensation Scheme in its assessment of mortgage mis-selling complaints.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4934", "label" : {"_value" : "Biography information for Helen Morgan"}
      }
      , "tablingMemberConstituency" : {"_value" : "North Shropshire"}
      , "tablingMemberPrinted" : [{"_value" : "Helen Morgan"}
      ], "uin" : "25123"}
    , {"_about" : "http://data.parliament.uk/resources/1700237", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1700237/answer", "answerText" : {"_value" : "<p>The Financial Conduct Authority (FCA), which is operationally independent of Government, has responsibility for the conduct regulation of shared appreciation mortgages. The FCA sets the rules regarding the information that must be disclosed before, during and after sale of mortgages and, in addition, the jurisdiction of the Financial Ombudsman Service (FOS).<\/p><p> <\/p><p>Products like shared appreciation mortgages have been regulated since 2004 when wider mortgage regulations were first introduced, however a consumer\u2019s right to pursue redress through legal channels is unaffected by the jurisdiction of the FOS. Anyone considering this option should consider seeking independent legal advice.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4639", "label" : {"_value" : "Biography information for Bim Afolami"}
        }
        , "answeringMemberConstituency" : {"_value" : "Hitchin and Harpenden"}
        , "answeringMemberPrinted" : {"_value" : "Bim Afolami"}
        , "dateOfAnswer" : {"_value" : "2024-04-22", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2024-04-22T13:04:59.76Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2024-04-12", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "1"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
      }
      ], "questionText" : "To ask the Chancellor of the Exchequer, pursuant to the Answer of 28 February 2024 to Question 15211 on Mortgages: Misrepresentation, what redress is available to people missold shared appreciation mortgages not covered by Financial Ombudsman Service rules.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4433", "label" : {"_value" : "Biography information for Thangam Debbonaire"}
      }
      , "tablingMemberConstituency" : {"_value" : "Bristol West"}
      , "tablingMemberPrinted" : [{"_value" : "Thangam Debbonaire"}
      ], "uin" : "21113"}
    , {"_about" : "http://data.parliament.uk/resources/1690911", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1690911/answer", "answerText" : {"_value" : "<p>The Financial Ombudsman Service (FOS) has received a number of complaints from people who purchased shared appreciation mortgages and are alert to the issues involved.<\/p><p> <\/p><p>Any borrower that feels they have been mis-sold a shared appreciation mortgage should bring their complaint to the FOS, which can provide arbitration in such cases.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4639", "label" : {"_value" : "Biography information for Bim Afolami"}
        }
        , "answeringMemberConstituency" : {"_value" : "Hitchin and Harpenden"}
        , "answeringMemberPrinted" : {"_value" : "Bim Afolami"}
        , "dateOfAnswer" : {"_value" : "2024-02-28", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2024-02-28T10:08:05.307Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2024-02-21", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "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 discussions he has made with the Financial Ombudsman Service on support for people who have been missold a shared appreciation mortgage.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4923", "label" : {"_value" : "Biography information for Kim Leadbeater"}
      }
      , "tablingMemberConstituency" : {"_value" : "Batley and Spen"}
      , "tablingMemberPrinted" : [{"_value" : "Kim Leadbeater"}
      ], "uin" : "15211"}
    , {"_about" : "http://data.parliament.uk/resources/1400140", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1400140/answer", "answerText" : {"_value" : "<p>Firms are required by FCA rules to include a representative APR in certain circumstances. The FCA\u2019s handbook provides further rules and guidance on when a representative APR must be shown, how it should be denoted and the level of prominence it must be given.<\/p><p> <\/p><p>If an advertisement includes an interest rate or any amount relating to the cost of credit, it must also include a representative example. This must contain certain standard information including a representative APR. The example must be clear and concise and must be no less prominent than the information that triggered the inclusion of the example.<\/p><p> <\/p><p>If a customer is concerned that they have been mis-sold a credit agreement, the customer can make a formal complaint to the firm in question in the first instance. If they feel that their complaint has not been dealt with satisfactorily, they are able to refer the matter to the Financial Ombudsman Service (FOS) \u2013 an independent body set up to provide arbitration in such cases.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2022-01-18", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2022-01-18T17:29:54.55Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2022-01-05", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government what assessment they have made of the availability of independent information resources for consumers to check that representative annual percentage rates (APRs) are fairly and accurately stated; and what action the Financial Conduct Authority advises customers to take where they are concerned they have been mis-sold under a representative APR that was not fairly stated.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5139"}
    , {"_about" : "http://data.parliament.uk/resources/1400141", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1400141/answer", "answerText" : {"_value" : "<p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2022-01-18", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "HL5141"}
        , {"_value" : "HL5142"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2022-01-18T17:25:18.853Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2022-01-05", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government, in each of the last six years, (1) how many times the Financial Conduct Authority (FCA) has asked a firm to outline how it calculates its annual percentage rates (APRs) except at the point of granting of authorisation; (2) where the FCA has discovered representative APR breaches, how many times it has required changes to a firm\u2019s (a) website, and (b) product literature; and (3) how many firms have been referred to the enforcement division for resolution.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5140"}
    , {"_about" : "http://data.parliament.uk/resources/1400142", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1400142/answer", "answerText" : {"_value" : "<p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2022-01-18", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "HL5140"}
        , {"_value" : "HL5142"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2022-01-18T17:25:18.82Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2022-01-05", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government, in each of the last six years, how many Skilled Persons Reports the Financial Conduct Authority has commissioned where the issue of representative annual percentage rates (APRs), including the formulation or deployment of representative APR in the market, has been the \u201cmatter concerned\u201d.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5141"}
    , {"_about" : "http://data.parliament.uk/resources/1400143", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1400143/answer", "answerText" : {"_value" : "<p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2022-01-18", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "HL5140"}
        , {"_value" : "HL5141"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2022-01-18T17:25:18.887Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2022-01-05", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government why the Financial Conduct Authority (FCA) has decided as part of its supervision strategy to make no independent periodic checks on the compliance of FCA regulations by authorised firms, in particular the accuracy of key consumer protection information such as representative annual percentage rates.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5142"}
    , {"_about" : "http://data.parliament.uk/resources/1388889", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1388889/answer", "answerText" : {"_value" : "<p>Firms are required by FCA rules to include a representative APR in certain circumstances. The FCA\u2019s handbook provides further rules and guidance on when a representative APR must be shown, how it should be denoted and the level of prominence it must be given.<\/p><p> <\/p><p>If an advertisement includes an interest rate or any amount relating to the cost of credit, it must also include a representative example. This must contain certain standard information including a representative APR. The example must be clear and concise and must be no less prominent than the information that triggered the inclusion of the example.<\/p><p> <\/p><p>If a customer is concerned that they have been mis-sold a credit agreement, the customer can make a formal complaint to the firm in question in the first instance. If they feel that their complaint has not been dealt with satisfactorily, they are able to refer the matter to the Financial Ombudsman Service (FOS) \u2013 an independent body set up to provide arbitration in such cases.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2021-12-22", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2021-12-22T11:31:04.743Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2021-12-16", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government what independent information resource is available to consumers to check that representative APRs are fairly stated; and what action the Financial Conduct Authority advises customers to take where they are concerned they have been mis-sold under a representative APR that was not fairly stated.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5051"}
    , {"_about" : "http://data.parliament.uk/resources/1388890", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1388890/answer", "answerText" : {"_value" : "<p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2021-12-22", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "HL5053"}
        , {"_value" : "HL5054"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2021-12-22T11:23:17.147Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2021-12-16", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages: Misrepresentation"}
      , "houseId" : {"_value" : "2"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
      }
      ], "questionText" : "To ask Her Majesty's Government how many skilled persons reports under the Financial Services and Markets Act 2000 section 166 the Financial Conduct Authority has commissioned where the issue of representative APR has been the matter concerned, in each of the last six years.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4702", "label" : {"_value" : "Biography information for Lord McNicol of West Kilbride"}
      }
      , "tablingMemberPrinted" : [{"_value" : "Lord McNicol of West Kilbride"}
      ], "uin" : "HL5052"}
    , {"_about" : "http://data.parliament.uk/resources/1388892", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1388892/answer", "answerText" : {"_value" : "<p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4689", "label" : {"_value" : "Biography information for Lord Agnew of Oulton"}
        }
        , "answeringMemberPrinted" : {"_value" : "Lord Agnew of Oulton"}
        , "dateOfAnswer" : {"_value" : "2021-12-22", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "HL5052"}
        , {"_value" : "HL5053"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2021-12-22T11:23:17.227Z", "_datatype" : "dateTime"}
        ]}
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      ], "questionText" : "To ask Her Majesty's Government how many times the Financial Conduct Authority (FCA) has requested a firm to outline how it calculates its APR in the last six years, other than at the point granting authorisation; in any cases of representative APR breaches discovered, how many times the FCA has required changes to the firm\u2019s website and product literature; and how many firms have been referred to the enforcement department for resolution.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
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