The government is committed to building an economy that works for everyone, including those experiencing mental health difficulties.<\/p>
<\/p>
The Regulation of consumer credit is a matter for the Financial Conduct Authority (FCA). The government has given the FCA strong powers to protect consumers. It requires all lenders to treat customers fairly, and to establish appropriate policies for dealing with vulnerable customers, including those with mental health difficulties.<\/p>
<\/p>
We have passed the honourable lady\u2019s question on to the FCA, who will reply directly to her by letter. A copy of the letter will be placed in the Library of the House.<\/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" : "2018-03-08", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2018-03-08T12:21:46.17Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2018-03-01", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Financial Services: Mental Illness"} , "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 steps his Department is taking to ensure that financial lenders provide appropriate support to customers experiencing mental health difficulties.", "registeredInterest" : {"_value" : "true", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4412", "label" : {"_value" : "Biography information for Dr Lisa Cameron"} } , "tablingMemberConstituency" : {"_value" : "East Kilbride, Strathaven and Lesmahagow"} , "tablingMemberPrinted" : [{"_value" : "Dr Lisa Cameron"} ], "uin" : "130636"} , {"_about" : "http://data.parliament.uk/resources/839169", "AnsweringBody" : [{"_value" : "HM Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/839169/answer", "answerText" : {"_value" : "
The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.<\/p>
<\/p>
Confirmed Industry Guidance for the FCA\u2019s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer\u2019s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.<\/p>
<\/p>
The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.<\/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" : "2018-02-20", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "127729"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2018-02-20T12:10:22.86Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2018-02-08", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Domestic Abuse"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask Mr Chancellor of the Exchequer, whether all banks and financial service firms are required to have a written policy on domestic abuse.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4412", "label" : {"_value" : "Biography information for Dr Lisa Cameron"} } , "tablingMemberConstituency" : {"_value" : "East Kilbride, Strathaven and Lesmahagow"} , "tablingMemberPrinted" : [{"_value" : "Dr Lisa Cameron"} ], "uin" : "127727"} , {"_about" : "http://data.parliament.uk/resources/839171", "AnsweringBody" : [{"_value" : "HM Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/839171/answer", "answerText" : {"_value" : "
The Treasury has not issued guidance. The independent financial services regulator - the Financial Conduct Authority (FCA) - requires firms to treat their customers fairly and has broad and robust powers to enforce breaches of its rules.<\/p>
<\/p>
Confirmed Industry Guidance for the FCA\u2019s Banking Conduct of Business Sourcebook sets out what information firms must provide to customers when they open a joint account, including an explanation of a customer\u2019s rights and duties and the concept of joint and several liability. UK Finance and the Building Societies Association also publish an information leaflet for those considering opening a joint account.<\/p>
<\/p>
The Government wants to ensure that all victims of domestic abuse are provided with the support they need. The Government will shortly be launching a consultation into tackling domestic abuse, in advance of bringing forward legislation, and I encourage the hon. Member to engage with the consultation when it is published.<\/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" : "2018-02-20", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "127727"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2018-02-20T12:10:22.907Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2018-02-08", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Domestic Abuse"} , "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 guidance his Department issued to (a) banks and (b) the financial service sector on responding to cases has of domestic abuse in which the perpetrator and victim have a joint bank accounts.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4412", "label" : {"_value" : "Biography information for Dr Lisa Cameron"} } , "tablingMemberConstituency" : {"_value" : "East Kilbride, Strathaven and Lesmahagow"} , "tablingMemberPrinted" : [{"_value" : "Dr Lisa Cameron"} ], "uin" : "127729"} , {"_about" : "http://data.parliament.uk/resources/788988", "AnsweringBody" : [{"_value" : "HM Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/788988/answer", "answerText" : {"_value" : "
HM Revenue and Customs (HMRC) held a specific briefing event for managers and the departmental trade unions on 10 November 2015 to share the plans, formally, for its future locations strategy in advance of the announcement on 12 November 2015. This included the detail for all regional centres, specialist sites, transitional sites and a head office presence at Westminster. Prior to this, HMRC held discussions with the unions in confidence about its plans as they developed and in advance of the decisions being made.<\/p>
<\/p>
The Regional Engagement Group for Glasgow meets on a monthly basis to consider implementation activity for Glasgow, including the moves to Glasgow from East Kilbride and Cumbernauld. There is union representation at these meetings. Topics for discussion are prioritised in accordance with the timeline for office closures in the region. HMRC is retaining East Kilbride as a transitional site until 2025-26 so the detail for this specific move is not yet finalised.<\/p>
<\/p>
HMRC continues to engage with the unions at both local and national levels throughout the delivery of the Locations Programme.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/3935", "label" : {"_value" : "Biography information for Mel Stride"} } , "answeringMemberConstituency" : {"_value" : "Central Devon"} , "answeringMemberPrinted" : {"_value" : "Mel Stride"} , "dateOfAnswer" : {"_value" : "2017-11-21", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2017-11-21T17:08:13.8Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2017-11-14", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Revenue and Customs: East Kilbride"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 7 November 2017 to Question 110350, on the proposed transfer of HM Revenue and Customs (HMRC) posts from East Kilbride to Glasgow, on what dates meetings between HMRC and departmental trade unions took place.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4412", "label" : {"_value" : "Biography information for Dr Lisa Cameron"} } , "tablingMemberConstituency" : {"_value" : "East Kilbride, Strathaven and Lesmahagow"} , "tablingMemberPrinted" : [{"_value" : "Dr Lisa Cameron"} ], "uin" : "112821"} , {"_about" : "http://data.parliament.uk/resources/781371", "AnsweringBody" : [{"_value" : "HM Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/781371/answer", "answerText" : {"_value" : "