{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?_metadata=all&answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?_page=0&answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?answer.answeringMember.label=Biography+information+for+John+Glen&max-answer.dateOfAnswer=2019-05-20", "items" : [{"_about" : "http://data.parliament.uk/resources/1126946", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126946/answer", "answerText" : {"_value" : "<p>Further details of this investigation will be published shortly.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "254851"}
        , {"_value" : "254852"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:59:43.813Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-15", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "London Capital & Finance: Insolvency"}
      , "houseId" : {"_value" : "1"}
      , "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 the terms of reference are for the investigation by the Financial Conduct Authority into the failure of London Capital & Finance.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4505", "label" : {"_value" : "Biography information for Peter Kyle"}
      }
      , "tablingMemberConstituency" : {"_value" : "Hove"}
      , "tablingMemberPrinted" : [{"_value" : "Peter Kyle"}
      ], "uin" : "254850"}
    , {"_about" : "http://data.parliament.uk/resources/1126949", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126949/answer", "answerText" : {"_value" : "<p>Further details of this investigation will be published shortly.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "254850"}
        , {"_value" : "254852"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:59:43.857Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-15", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "London Capital & Finance: Insolvency"}
      , "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 level of (a) financial resources and (b) personnel has been allocated to the investigation by the Financial Conduct Authority into the issues raised by the failure of London Capital & Finance.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4505", "label" : {"_value" : "Biography information for Peter Kyle"}
      }
      , "tablingMemberConstituency" : {"_value" : "Hove"}
      , "tablingMemberPrinted" : [{"_value" : "Peter Kyle"}
      ], "uin" : "254851"}
    , {"_about" : "http://data.parliament.uk/resources/1126951", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126951/answer", "answerText" : {"_value" : "<p>Further details of this investigation will be published shortly.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
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        , {"_value" : "254851"}
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        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:59:43.907Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-15", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "London Capital & Finance: Insolvency"}
      , "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 the timescale is for the investigation by the Financial Conduct Authority into the failure of London Capital & Finance.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4505", "label" : {"_value" : "Biography information for Peter Kyle"}
      }
      , "tablingMemberConstituency" : {"_value" : "Hove"}
      , "tablingMemberPrinted" : [{"_value" : "Peter Kyle"}
      ], "uin" : "254852"}
    , {"_about" : "http://data.parliament.uk/resources/1126482", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126482/answer", "answerText" : {"_value" : "<p>I thank the honourable member for Glasgow North for his question, and refer him to my answer of 14 November to PQ UIN 189731.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:52:43.86Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-14", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Debts: Developing Countries"}
      , "houseId" : {"_value" : "1"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
      }
      ], "questionText" : "To ask the Chancellor of the Exchequer, if he will publish a response to Early Day Motion 158 on Transparency of developing country debts.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4432", "label" : {"_value" : "Biography information for Patrick Grady"}
      }
      , "tablingMemberConstituency" : {"_value" : "Glasgow North"}
      , "tablingMemberPrinted" : [{"_value" : "Patrick Grady"}
      ], "uin" : "254221"}
    , {"_about" : "http://data.parliament.uk/resources/1126499", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126499/answer", "answerText" : {"_value" : "<p>The Government-established Payment Systems Regulator (PSR) is closely monitoring developments in ATM provision. The PSR regulates LINK, the scheme which runs the UK\u2019s ATM network, and has used its powers to hold LINK to account over LINK\u2019s commitments to preserve the broad geographic spread of the ATM network.<\/p><p> <\/p><p>LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM. LINK has also enhanced its Financial Inclusion Programme, increasing the funding available for free ATMs in the most remote rural and deprived areas of the UK.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:55:15.507Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-14", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Cash Dispensing: Rural Areas"}
      , "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 he is taking to ensure that remote rural areas have access to free to use cash machines.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/252", "label" : {"_value" : "Biography information for Dr David Drew"}
      }
      , "tablingMemberConstituency" : {"_value" : "Stroud"}
      , "tablingMemberPrinted" : [{"_value" : "Dr David Drew"}
      ], "uin" : "254104"}
    , {"_about" : "http://data.parliament.uk/resources/1126679", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126679/answer", "answerText" : {"_value" : "<p>HM Government continuously monitors the global economy, and the Office for Budget Responsibility (OBR) produces the Government\u2019s official economic forecasts. The OBR\u2019s most recent forecast was published in March 2019 and can be accessed at https://obr.uk/efo/economic-fiscal-outlook-march-2019/. The UK economy remains resilient, growing for the ninth consecutive year in 2018. The employment rate is currently at a record high, unemployment is currently at its lowest rate since 1974, and real wages are rising.<\/p><p> <\/p><p>In October 2018 the IMF estimated the impact of a trade tensions escalation. They estimated the impact would be global real GDP 0.2% lower in 2019 and 0.21% lower in the long term. The analysis also highlighted that the near term negative impact could be exacerbated by a decline in confidence and market reaction.<\/p><p> <\/p><p>The UK has consistently stressed the importance of de-escalating trade tensions, which are in no one\u2019s interest.<\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:59:11.64Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-14", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Trade Barriers: China and USA"}
      , "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 effect on the (a) UK and (b) global economy of a US-China trade war.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/116", "label" : {"_value" : "Biography information for Lord Soames of Fletching"}
      }
      , "tablingMemberConstituency" : {"_value" : "Mid Sussex"}
      , "tablingMemberPrinted" : [{"_value" : "Sir Nicholas Soames"}
      ], "uin" : "254057"}
    , {"_about" : "http://data.parliament.uk/resources/1126680", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1126680/answer", "answerText" : {"_value" : "<p>The Chancellor engages regularly with international counterparts on issues relating to the global economy. The UK has consistently stressed the importance of de-escalating trade tensions, which are in no one\u2019s interest. We have been clear in our opposition to escalating tariffs which could result in fundamental disruption to global trade flows. This would clearly have a negative effect on the global economy. We will continue to work with our partners to support the rules-based international trading system.<\/p><p> <\/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" : "2019-05-20", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-20T15:56:06.567Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-14", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Trade Barriers: China and USA"}
      , "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 representations he has made to the (a) US Administration and (b) Government of China on the potential effect on the UK economy of a US-China trade war.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/116", "label" : {"_value" : "Biography information for Lord Soames of Fletching"}
      }
      , "tablingMemberConstituency" : {"_value" : "Mid Sussex"}
      , "tablingMemberPrinted" : [{"_value" : "Sir Nicholas Soames"}
      ], "uin" : "254058"}
    , {"_about" : "http://data.parliament.uk/resources/1125587", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1125587/answer", "answerText" : {"_value" : "<p>Last year, the Government initiated a discussion on payment methods through a Call for Evidence on Cash and Digital Payments in the New Economy. This sought to gather evidence from industry and the public alike on how changing preferences for cash and digital payments impact on different sectors, regions and demographics.<\/p><p> <\/p><p>A formal Summary of Responses to this Call for Evidence was published in May 2019. This response set out the Government\u2019s commitment to supporting digital payments, whilst safeguarding access to cash for those who need it. It also highlighted that the Treasury would set up and chair a Joint Authorities Cash Strategy Group, made up of regulators and the Bank of England, to facilitate further co-ordination between the authorities and provide comprehensive oversight of the overall cash infrastructure.<\/p><p> <\/p><p>The Government-established Payment Systems Regulator (PSR) is closely monitoring developments in ATM provision, including those that are free-to-use. The PSR regulates LINK, the scheme which runs the UK\u2019s ATM network, and has used its powers to hold LINK to account over LINK\u2019s commitments to preserve the broad geographic spread of free-to-use ATMs.<\/p><p> <\/p><p>LINK has put in place specific arrangements to protect free-to-use ATMs more than 1 kilometre away from the next nearest free-to-use ATM. LINK has also enhanced its Financial Inclusion Programme by tripling the funding available for free-to-use ATMs in the most deprived areas of the UK.<\/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" : "2019-05-14", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-14T12:30:18.817Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-09", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Cash Dispensing: Fees and Charges"}
      , "houseId" : {"_value" : "1"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
      }
      ], "questionText" : "To ask the Chancellor of the Exchequer, if he will call a summit with industry representatives, with the objective of ensuring the continued provision of free cash withdrawals at ATMs in deprived communities.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/478", "label" : {"_value" : "Biography information for Lord Field of Birkenhead"}
      }
      , "tablingMemberConstituency" : {"_value" : "Birkenhead"}
      , "tablingMemberPrinted" : [{"_value" : "Frank Field"}
      ], "uin" : "252493"}
    , {"_about" : "http://data.parliament.uk/resources/1125317", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1125317/answer", "answerText" : {"_value" : "<p>The Treasury has not made a specific assessment of the effect of cashless shops on (a) low-income people and (b) poorer communities.<\/p><p> <\/p><p>However, last year the Government initiated a discussion on payment methods through a Call for Evidence on Cash and Digital Payments in the New Economy. This sought to gather evidence on how changing preferences for cash and digital payments impact on different sectors, regions and demographics. A wide range of evidence was collected, including on the changing levels of cash usage, and a formal summary of responses was published in May 2019.<\/p><p> <\/p><p>The response set out the Government\u2019s commitment to supporting digital payments, whilst safeguarding access to cash for those who need it. The Government is engaging, and will continue to engage, with the regulators and industry on this important topic.<\/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" : "2019-05-13", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-13T14:29:09.547Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-08", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Money: Retail Trade"}
      , "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 his Department has made of the effect of cashless shops on (a) low-income people and (b) poorer communities.", "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" : "251912"}
    , {"_about" : "http://data.parliament.uk/resources/1125482", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1125482/answer", "answerText" : {"_value" : "<p>Customers have always been protected in UKAR asset sales. The government and UKAR consider the fair treatment of customers a priority for all asset sales and have always included customer protections in line with or that exceeded industry best practice for transactions of this nature.<\/p><p> <\/p><p>Bidders were required to agree to customer protections, which were non-negotiable, before the bids were assessed on price. These protections included: adherence to the Financial Conduct Authority\u2019s principle of Treating Customers Fairly; where customers were on Standard Variable Rate mortgages, purchasers were restricted in the changes they could make to the Standard Variable Rate for 12 months; and, mortgage books that were sold had to be administered by Financial Conduct Authority regulated companies, and no changes could be made to the terms and conditions of any of the loans that had been sold.<\/p><p> <\/p><p>In addition to requiring bidders to agree to the protections outlined above, UKAR undertake due diligence on bidders, their proposed servicers and legal title holders of the loans to ensure that they have the necessary policies, procedures and governance in place to treat customers fairly.<\/p><p> <\/p><p>The details of all NRAM mortgage sales can be found on gov.uk. Both active and non-active lenders are invited to participate in UKAR sales to ensure a competitive process. In relation to the latest asset sale, UKAR\u2019s advisors proactively invited the top 25 active lenders to participate. Notwithstanding this, UKAR have not received a bid from an active lender that covered the full portfolio of assets being sold.<\/p><p> <\/p><p>Whether to offer customers new mortgage products is a commercial decision for lenders and government does not intervene in individual cases.<\/p><p> <\/p><p>That said, the government welcomes the voluntary agreement entered into last year by UK Finance working with the FCA. Under this agreement, 59 authorised lenders representing 93 per cent of the UK\u2019s residential mortgage market have agreed common standards to help existing borrowers on reversion rates who are up-to-date with repayments but, because of stricter affordability criteria, are currently ineligible, to move to an alternative product provided by their lender, where said lender is able to offer alternative products.<\/p><p> <\/p><p>HM Treasury has also worked closely with the FCA on their Mortgages Market Study and their planned changes to affordability assessments. These changes remove the regulatory barriers which previously might have prevented borrowers from accessing new mortgage deals, regardless of whether they are with active or inactive lenders. HM Treasury will continue to work closely with the FCA once the changes to their rules are implemented, to monitor the impact this will have on the 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" : "2019-05-13", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "251932"}
        , {"_value" : "251933"}
        , {"_value" : "251934"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-05-13T14:27:34.797Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-05-08", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "UK Asset Resolution"}
      , "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 adequacy of the safeguards and mechanisms put in place by his Department and the Financial Conduct Authority between 2012 and 2018 in respect of the sale of UKAR loans to ensure that loan holders were able to transfer or get better terms from other regulated lenders instead of those companies to whom AKAR had sold their loans.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/465", "label" : {"_value" : "Biography information for Gordon Marsden"}
      }
      , "tablingMemberConstituency" : {"_value" : "Blackpool South"}
      , "tablingMemberPrinted" : [{"_value" : "Gordon Marsden"}
      ], "uin" : "251931"}
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