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100670

registered interest
date	23/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Services: Taxation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent representations he has received from (a) business organisations and (b) trades unions about (i) economic integration within the EU and (ii) the proposed introduction of a financial transaction tax.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	211667
answer	answer is ministerial correction date of answer 30/10/2014 answer text <p>Treasury Ministers and officials receive a wide variety of representations from organisations in both the public and private sectors.</p><p> </p><p> </p><p> </p><p>Details of ministerial and permanent secretary meetings with external organisations on departmental business are published quarterly and are available at:</p><p> </p><p> </p><p> </p><p><a href="http://www.hm-treasury.gov.uk/minister_hospitality.htm" target="_blank">http://www.hm-treasury.gov.uk/minister_hospitality.htm</a></p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 30/10/2014 16:52:38 answering member 1529 label Biography information for Mr David Gauke
tabling member	1388 label Biography information for Lord Dodds of Duncairn

100746

registered interest
date	23/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Money Laundering: EU Law
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the potential effect of the proposed revision of EU Anti-Money Laundering Directive on individuals and companies in the UK.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	211714
answer	answer is ministerial correction date of answer 30/10/2014 answer text <p>The 4<sup>th</sup> EU Anti-Money Laundering Directive transposes the global standards on anti-money laundering and counter-terrorism finance set by the Financial Action Task Force (FATF) in 2012. These standards further embed the risk-based approach, which allow obliged entities, including companies, to adopt anti-money laundering checks which are best suited to the risk they face in their everyday business. This allows for more proportionate and balanced anti-money laundering regimes across the EU including in the UK.</p><p> </p><p> </p><p> </p><p>The Directive is currently in its last stage of negotiations. The UK government is committed to publishing an impact assessment and to consulting on the implementation of the Directive before transposing its new requirements into UK legislation, in line with better regulation principles. This timing is necessary to ensure that any Impact Assessment accurately reflects any changes to the draft legislation agreed in negotiations.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 30/10/2014 16:46:41 answering member 4117 label Biography information for Andrea Leadsom
tabling member	1388 label Biography information for Lord Dodds of Duncairn

78658

registered interest
date	17/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Credit: Interest Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps his Department is taking to address concerns that payday loan companies are exploiting vulnerable people.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	206553
answer	answer is ministerial correction date of answer 18/08/2014 answer text <p>The Government has fundamentally reformed regulation of the payday market, transferring regulatory responsibility for consumer credit regulation from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) from 1 April 2014. The FCA has a statutory objective to protect consumers.</p><p> </p><p>It is important that consumers are protected from unfair costs. The Government has therefore legislated to require the FCA to introduce a cap on the cost of payday loans, and the FCA is currently consulting on its cap proposals.</p><p> </p><p>The Government also strongly welcomes the FCA’s new rules for regulating payday lending, including action on rollovers and continuous payment authorities (CPAs). Payday lenders are also required to adhere to the FCA’s high level principles of business, including that of ‘treating customers fairly’.</p><p> </p><p> </p><p>The FCA has also introduced affordability rules to strengthen consumer protection, based on the principle that money should only be lent to a consumer if they can afford it.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 18/08/2014 09:50:24 answering member 4117 label Biography information for Andrea Leadsom
tabling member	1388 label Biography information for Lord Dodds of Duncairn

77860

registered interest
date	15/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	First Time Buyers
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of the success of steps taken to encourage and facilitate first time buyers and young people to get onto the property ladder.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	205895
answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Help to Buy scheme is helping hardworking people realise their home-owning aspirations across the UK. Over 27,000 households have bought a new home through Help to Buy so far, and 85 per cent of these have been first-time buyers. Between 2011/12 and 2013/14 11,000 first time buyers were helped through the FirstBuy scheme</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:13:16 answering member 4117 label Biography information for Andrea Leadsom
tabling member	1388 label Biography information for Lord Dodds of Duncairn

78064

registered interest
date	15/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Credit: Interest Rates
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will bring forward legislative proposals to ensure that pay day loan companies are restricted from deliberately intimidating their customers.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	205836
answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Government has fundamentally reformed the regulation of the payday lending market. Regulatory responsibility for consumer credit transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April. The FCA has transposed key parts of the OFT’s Debt Collection Guidance into binding rules, which sets out the types of business practices considered unfair and incompatible with fitness to operate.</p><p> </p><p>The FCA is undertaking a thematic review into payday lenders’ debt collection practices to ensure that firms treat customers who are struggling with repayments fairly. The FCA expects to publish the final report early in 2015 which will set out what practices it has found across the market and how it expects all firms in the market to make sure they are observing the right standards of behaviour.</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:15:04 answering member 4117 label Biography information for Andrea Leadsom
tabling member	1388 label Biography information for Lord Dodds of Duncairn

77167

registered interest
date	10/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Revenue and Customs: Northern Ireland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps she has taken to address the concerns of the employees of HM Revenue and Customs in Northern Ireland who have recently taken part in industrial action.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	205024
answer	answer is ministerial correction date of answer 15/07/2014 answer text <p>As the minister with responsibility for HM Revenue and Customs (HMRC) this question has been passed to me to answer.</p><p> </p><p>Following the Spending Review 2013 HMRC is now working on its longer term plans; further announcements will be made in due course on the implications for individuals, their work and the offices that they work in. In addition HMRC will be saying more about the overall size and shape of the department in the autumn.</p><p> </p><p>In terms of addressing the concerns of employees HMRC has been actively talking to its people about the future direction of the organisation. This conversation is being led through a series of <em>Building our Future</em> events, which all staff are invited to attend. As part of that dialogue with staff HMRC has made it clear that the department needs to modernise and has already advised that it will become a smaller, more highly professional organisation working out of fewer locations. Those people who remain with the organisation will have greater opportunities to retrain into a range of interesting and rewarding roles.</p><p> </p><p> </p><p>HMRC has not offered any voluntary redundancies in Northern Ireland in the current financial year. However, this cannot be ruled out in the future if redeployment options cannot be found for staff in need of new roles. Civil service departments will work together to do all they can to redeploy staff who have formally been declared surplus.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 15/07/2014 13:58:23 answering member 1529 label Biography information for Mr David Gauke
tabling member	1388 label Biography information for Lord Dodds of Duncairn

65299

registered interest
date	02/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Economic Growth
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent estimate he has made of the level of growth in the UK economy in (a) 2014 and (b) 2015; and what change in the level of public sector employment he anticipates will take place in each region and constituent part of the UK in that time.
tabling member constituency	Belfast North
tabling member printed	Mr Nigel Dodds
uin	203572
answer	answer is ministerial correction date of answer 09/07/2014 answer text <p>The OBR is responsible for producing independent economic and fiscal forecasts of the UK economy. The OBR's most recent forecast (published at Budget 2014) is for UK GDP to grow by 2.7 per cent this year and 2.3 per cent in 2015.</p><p> </p><p> </p><p>The OBR forecast general government employment will fall by 0.1 million in 2014 and 2015. This is more than offset by increases in market sector employment of 0.5 million in 2014 and 0.3 million in 2015.</p> answering member constituency Loughborough answering member printed Nicky Morgan question first answered 09/07/2014 15:23:08 answering member 4027 label Biography information for Baroness Morgan of Cotes
tabling member	1388 label Biography information for Lord Dodds of Duncairn