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836001

registered interest
date	02/02/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what plans he has to discuss with LINK the availability of ATMs in rural areas in respect of the Government’s Financial Inclusion Programme.
tabling member constituency	Stroud
tabling member printed	Dr David Drew
uin	126356
answer	answer is ministerial correction date of answer 07/02/2018 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government will continue to engage with industry to ensure that widespread free access is maintained.</p><p> </p><p>The Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p>LINK, the main scheme behind the UK’s ATM network, has assured us and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK has announced plans to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in certain areas, where demand would not otherwise make one viable. LINK has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM, and to ensuring that any community that loses ATM access because of a branch closure has a free ATM provided.</p><p> </p><p>In addition, LINK will set up publicly available monitoring on its website of every area of the country showing free ATM availability, and highlight any areas where free ATM availability is lost.</p> answering member constituency Salisbury answering member printed John Glen question first answered 07/02/2018 12:26:11 answering member 4051 label Biography information for John Glen
tabling member	252 label Biography information for Dr David Drew

833873

registered interest
date	30/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to ensure the continuing availability of cash dispensers in rural areas.
tabling member constituency	St Austell and Newquay
tabling member printed	Steve Double
uin	125631
answer	answer is ministerial correction date of answer 05/02/2018 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government will continue to engage with industry to ensure that widespread free access is maintained.</p><p>The Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>LINK, the main scheme behind the UK’s ATM network, has assured us and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK has announced plans to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in certain areas where demand would not otherwise make one viable. LINK has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM, and to ensuring that any community that loses ATM access because of a branch closure has a free ATM provided.</p><p> </p><p>In addition, LINK will set up publicly available monitoring on its website of every area of the country showing free ATM availability, and highlight any areas where free ATM availability is lost.</p> answering member constituency Salisbury answering member printed John Glen question first answered 05/02/2018 15:13:04 answering member 4051 label Biography information for John Glen
tabling member	4452 label Biography information for Steve Double

829045

registered interest
date	23/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ensure that rural communities in the UK have adequate access to free-to-use cash machines now and in the future.
tabling member printed	The Marquess of Lothian
uin	HL5025
answer	answer is ministerial correction date of answer 05/02/2018 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK, including in rural communities. Government has been engaging and will continue to engage with industry, to ensure that widespread free access is maintained.</p><p> </p><p>The Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>LINK, the main scheme behind the UK’s ATM network, has assured us and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intends to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM.</p> answering member printed Lord Bates question first answered 05/02/2018 16:22:35 answering member 1091 label Biography information for Lord Bates
tabling member	259 label Biography information for The Marquess of Lothian

825813

registered interest
date	19/01/2018
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the effect of ATM closures resulting from LINK’s proposed reduction in the interchange fee on (a) North Dorset constituency and (b) other rural communities.
tabling member constituency	North Dorset
tabling member printed	Simon Hoare
uin	123880
answer	answer is ministerial correction date of answer 29/01/2018 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK. Government has been engaging and will continue to engage with industry, including LINK, to ensure that this access is maintained.</p><p> </p><p>The Government has not made any formal assessment of the potential effect of LINK’s proposals to change the interchange fee rate on consumers, small businesses, the North Dorset constituency or other rural communities. However, the Payment Systems Regulator (PSR), which Government set up as an independent regulator in 2015 with a statutory objective to ensure that the UK’s payment systems work in the interests of their users, is monitoring developments within ATM provision, and is conducting ongoing work on the impact that changes may have. The PSR has recently published a summary of their work to date, which can be found at https://www.psr.org.uk/psr-focus/the-UK-ATM-network.</p><p> </p><p>The PSR has committed to using its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>LINK has assured us and the PSR that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intends to bolster its Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and has also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM.</p> answering member constituency Newark answering member printed Robert Jenrick grouped question UIN 123789 123790 123793 123877 123878 123881 question first answered 29/01/2018 11:37:37 answering member 4320 label Biography information for Robert Jenrick
tabling member	4494 label Biography information for Simon Hoare

808869

registered interest
date	18/12/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what plans he has to encourage banks to provide rural communities with access to ATM.
tabling member constituency	Stroud
tabling member printed	Dr David Drew
uin	119978
answer	answer is ministerial correction date of answer 21/12/2017 answer text <p>The Government recognises that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK, and will continue to work with industry to ensure that this access continues. Since 1998, the number of free to use ATMs has more than doubled, from 24,600 to over 53,000.</p><p> </p><p>The Government has not made any formal assessment of the potential effect of LINK’s proposals to reduce interchange fees in isolation, or in combination with bank branch closures. However, the Payment Systems Regulator (PSR), which Government set up in 2015 with the statutory objective to ensure that the UK’s payment systems work in the interests of their users is monitoring developments within ATM provision, and is conducting ongoing internal work on the impact that changes may have on ATM provision. Government is confident that the PSR will use its powers to act should any of the firms it regulates behave in a way that conflicts with its statutory objectives.</p><p> </p><p>The Government is engaging regularly with LINK and its members, and they have assured us that industry is committed to maintaining an extensive network of free-to-use cash machines, and to ensuring that the present geographical spread of ATMs is maintained. LINK intend to bolster their Financial Inclusion Programme, which ensures the provision of ATMs in areas of deprivation, where demand would not otherwise make one viable, and have recently also committed to protecting all free-to-use ATMs which are a kilometre or more from the next nearest free-to-use ATM. The Government expects this additional commitment to be of particular benefit to rural areas.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 119905 120174 question first answered 21/12/2017 11:53:32 answering member 4095 label Biography information for Steve Barclay
tabling member	252 label Biography information for Dr David Drew

756173

registered interest
date	04/09/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent assessment the Government has made of the effect of closure of ATMs in rural areas on the economies and communities of those areas.
tabling member constituency	Caithness, Sutherland and Easter Ross
tabling member printed	Jamie Stone
uin	7371
answer	answer is ministerial correction date of answer 07/09/2017 answer text <p>The Government believes that widespread free access to cash remains extremely important to the day-to-day lives of many consumers and businesses in the UK.</p><p> </p><p>The Government has made no assessment of the effect of closure of ATMs on rural economies and communities, but is monitoring developments within the UK’s ATM network – LINK - as is the Payment Systems Regulator.</p><p> </p><p>The number of ATMs has increased from 36,000 in 2001 to over 70,000 in 2016. LINK also runs a financial inclusion programme which subsidises free to use ATMs in areas without existing access. LINK has identified 1,700 rural and/or deprived ‘target’ areas, and the majority of these areas are now served by 1,110 ATMs, up from 171 in 2007.</p><p> </p><p>The Government regularly engages with industry on access to payment services.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 07/09/2017 16:47:11 answering member 4095 label Biography information for Steve Barclay
tabling member	4612 label Biography information for Jamie Stone