There are no immediate changes following the EU Referendum, including in the circumstances of British citizens studying, or planning to study, in the EU. Future arrangements for studying abroad will need to be considered as part of wider discussions about the UK\u2019s relationship with the EU.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4039", "label" : {"_value" : "Biography information for Lord Johnson of Marylebone"} } , "answeringMemberConstituency" : {"_value" : "Orpington"} , "answeringMemberPrinted" : {"_value" : "Joseph Johnson"} , "dateOfAnswer" : {"_value" : "2016-07-21", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2016-07-21T10:13:48.703Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "60"} , "answeringDeptShortName" : {"_value" : "Education"} , "answeringDeptSortName" : {"_value" : "Education"} , "date" : {"_value" : "2016-07-13", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "British Students Abroad: EU Countries"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Secretary of State for Education, what assessment her Department has made of the potential effect of leaving the EU on the number of UK students studying overseas at universities in EU member states.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/206", "label" : {"_value" : "Biography information for Mr David Lammy"} } , "tablingMemberConstituency" : {"_value" : "Tottenham"} , "tablingMemberPrinted" : [{"_value" : "Mr David Lammy"} ], "uin" : "42584"} , {"_about" : "http://data.parliament.uk/resources/536102", "AnsweringBody" : [{"_value" : "Department for International Trade"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/536102/answer", "answerText" : {"_value" : "
My hon Friend the Prime Minister has established the Department for International Trade to promote British trade across the world and ensure the UK takes advantage of the huge opportunities open to us. The pace of trade negotiations will vary country to country. The Prime Minister has also established a Department for Exiting the European Union for overseeing negotiations to leave the EU and establishing the future relationship between the UK and EU. However, until we leave, the UK will remain a full member of the EU, with all of the rights and obligations.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/1526", "label" : {"_value" : "Biography information for Greg Hands"} } , "answeringMemberConstituency" : {"_value" : "Chelsea and Fulham"} , "answeringMemberPrinted" : {"_value" : "Greg Hands"} , "dateOfAnswer" : {"_value" : "2016-07-21", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2016-07-21T16:11:32.237Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "202"} , "answeringDeptShortName" : {"_value" : "International Trade"} , "answeringDeptSortName" : {"_value" : "International Trade"} , "date" : {"_value" : "2016-07-13", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Trade Agreements"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Secretary of State for International Trade, what estimate his Department has made of the length of time it will take to negotiate trade agreements with the UK's major trading partners outside of the EU when the UK leaves the EU.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/206", "label" : {"_value" : "Biography information for Mr David Lammy"} } , "tablingMemberConstituency" : {"_value" : "Tottenham"} , "tablingMemberPrinted" : [{"_value" : "Mr David Lammy"} ], "uin" : "42585"} , {"_about" : "http://data.parliament.uk/resources/536103", "AnsweringBody" : [{"_value" : "HM Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/536103/answer", "answerText" : {"_value" : "
The Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.<\/p>
<\/p>
The FCA is currently undertaking a thorough review of the credit card market through its \u2018credit card market study\u2019. The market study is investigating three areas, one of which is the extent of unaffordable credit card debt. On 3 November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.<\/p>
<\/p>
The interim report also included the FCA\u2019s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments. The FCA is currently asking for feedback on the findings and potential remedies.<\/p>
<\/p>
The Government is looking forward to the final report in Q3 2016, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/3929", "label" : {"_value" : "Biography information for Simon Kirby"} } , "answeringMemberConstituency" : {"_value" : "Brighton, Kemptown"} , "answeringMemberPrinted" : {"_value" : "Simon Kirby"} , "dateOfAnswer" : {"_value" : "2016-07-20", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2016-07-20T13:47:45.61Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "CaTreasury"} , "date" : {"_value" : "2016-07-13", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Credit Cards: Debts"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask Mr Chancellor of the Exchequer, if he will hold discussions with credit card companies on steps to support people who have large credit card debts related to shopping.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4131", "label" : {"_value" : "Biography information for Jim Shannon"} } , "tablingMemberConstituency" : {"_value" : "Strangford"} , "tablingMemberPrinted" : [{"_value" : "Jim Shannon"} ], "uin" : "42604"} , {"_about" : "http://data.parliament.uk/resources/536104", "AnsweringBody" : [{"_value" : "Department for Education"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/536104/answer", "answerText" : {"_value" : "
All borrowers applying for support must sign a declaration to confirm that they have read and understood the terms and conditions that apply to their loans.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4039", "label" : {"_value" : "Biography information for Lord Johnson of Marylebone"} } , "answeringMemberConstituency" : {"_value" : "Orpington"} , "answeringMemberPrinted" : {"_value" : "Joseph Johnson"} , "dateOfAnswer" : {"_value" : "2016-08-01", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2016-08-01T13:25:37.127Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "60"} , "answeringDeptShortName" : {"_value" : "Education"} , "answeringDeptSortName" : {"_value" : "Education"} , "date" : {"_value" : "2016-07-13", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Students: Loans"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Secretary of State for Education, what estimate she has made of the proportion of student loan borrowers who took out their loan after 2012 who have read the contract terms contained in a separate online document.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4076", "label" : {"_value" : "Biography information for Valerie Vaz"} } , "tablingMemberConstituency" : {"_value" : "Walsall South"} , "tablingMemberPrinted" : [{"_value" : "Valerie Vaz"} ], "uin" : "42641"} , {"_about" : "http://data.parliament.uk/resources/536105", "AnsweringBody" : [{"_value" : "Department for Education"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/536105/answer", "answerText" : {"_value" : "