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Treasury Ministers and officials meet with a range of stakeholders to discuss relevant policy issues.<\/p>

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In making mortgage lending decisions, lenders must follow the appropriate regulatory and legislative requirements. Beyond this, decisions about who they lend to and on what terms are a commercial matter, including how they use information about existing or previous credit commitments.<\/p>

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Credit risk models and approaches vary between lenders, so while a history of payday loans may prevent a borrower taking out a loan with one lender, others may take a different approach.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/1529", "label" : {"_value" : "Biography information for Mr David Gauke"} } , "answeringMemberConstituency" : {"_value" : "South West Hertfordshire"} , "answeringMemberPrinted" : {"_value" : "Mr David Gauke"} , "dateOfAnswer" : {"_value" : "2014-07-10", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2014-07-10T16:06:19.7337945Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2014-07-07", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Credit: Interest Rates"} , "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 discussions he has had with banks about the consequences for a mortgage application of taking out a payday loan.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/1545", "label" : {"_value" : "Biography information for David T C Davies"} } , "tablingMemberConstituency" : {"_value" : "Monmouth"} , "tablingMemberPrinted" : [{"_value" : "David T. C. Davies"} ], "uin" : "204209"} ], "itemsPerPage" : 10, "page" : 0, "startIndex" : 1, "totalResults" : 1, "type" : ["http://purl.org/linked-data/api/vocab#ListEndpoint", "http://purl.org/linked-data/api/vocab#Page"]} }