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1658107

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Air Passenger Duty
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will hold discussions with (a) travel operators and (b) representatives in the devolved Administrations on potential merits of reducing air passenger duty.
tabling member constituency	East Londonderry
tabling member printed	Mr Gregory Campbell
uin	197685
answer	answer is ministerial correction date of answer 11/09/2023 answer text <p>Air Passenger Duty (APD) is the UK Government’s principal tax on the aviation sector, since tickets are VAT free and aviation fuel incurs no duty. Its primary objective is to ensure that airlines make a fair contribution to the public finances. There are different rates according to a passenger's class of travel and the distance of their journey.</p><p> </p><p> </p><p>As with all taxes, the Government keeps APD under review and any changes are announced by the Chancellor at fiscal events.</p><p> </p> answering member constituency Grantham and Stamford answering member printed Gareth Davies question first answered 11/09/2023 15:46:53 answering member 4850 label Biography information for Gareth Davies
tabling member	1409 label Biography information for Mr Gregory Campbell

1658177

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Technology: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will bring forward legislative proposals to impose a duty on (a) technology, (b) social media and (c) telecommunication companies to contribute towards the costs of refunding victims of fraud which originated on their platforms.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	197810
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p>It is vital that the tech sector takes a proactive role to prevent online fraud and that the requirement on the sector is proportionate to their ability, as a platform host, to identify online fraud.</p><p> </p><p>In recognition of the responsibility of the tech sector for tackling fraud, the Online Safety Bill will place a requirement on relevant companies to take preventive measures to stop fraudulent content and advertising from appearing on their platforms, or face fines of up to £18m or 10% of their annual turnover. In the interim, the Fraud Strategy, published by the Home Office in May, set out measures to reduce fraud incidents by 10% by the end of the current Parliament, including the announcement that the government would negotiate and agree a voluntary Online Fraud Charter with the tech sector by the end of the summer. We will publish further details on the Charter in due course.</p><p> </p> answering member constituency Grantham and Stamford answering member printed Gareth Davies question first answered 13/09/2023 15:11:50 answering member 4850 label Biography information for Gareth Davies
tabling member	4131 label Biography information for Jim Shannon

1658199

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Travel: Insurance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether his Department has made an assessment of the impact of diagnosis of terminal and likely terminal health conditions on travel insurance rates offered to consumers.
tabling member constituency	Salford and Eccles
tabling member printed	Rebecca Long Bailey
uin	197819
answer	answer is ministerial correction date of answer 12/09/2023 answer text <p>Insurers make commercial decisions about the terms on which they will offer cover following an assessment of the relevant risks. The Government does not intend to intervene in these commercial decisions by insurers as this could damage competition in the market. The respective capabilities of insurers to assess risk is a key element on which they compete.</p><p> </p><p>The Government recognises that it is important that everyone has access to suitable insurance. Since April 2021, the Financial Conduct Authority (FCA) has required firms to signpost consumers to a directory of specialist providers if they are declined cover, offered cover with an exclusion, or charged a significantly higher premium based on their pre-existing medical conditions.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 12/09/2023 10:31:21 answering member 4874 label Biography information for Andrew Griffith
tabling member	4396 label Biography information for Rebecca Long Bailey

1658201

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cash Machines: Rural Areas
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the potential impact of closures of cashpoints in rural areas on the rural economy.
tabling member constituency	South Holland and The Deepings
tabling member printed	Sir John Hayes
uin	197665
answer	answer is ministerial correction date of answer 12/09/2023 answer text <p>The government recognises that while the transition towards digital payments brings many opportunities, cash continues to be used by many people across the UK, including those who may be in vulnerable groups.</p><p> </p><p>The government legislated through the Financial Services and Markets Act 2023 to establish a new legislative framework to protect access to cash. This establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provides it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities.</p><p> </p><p>Following this, the government recently published a Cash Access Policy Statement, which sets out the government’s policies on access to cash. The FCA is required by law to have regard to these policies when determining its regulatory approach. The FCA will publicly consult on its regulatory approach in due course. The government’s policy statement is available on gov.uk: <a href="https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement" target="_blank">https://www.gov.uk/government/publications/cash-access-policy-statement/cash-access-policy-statement</a></p><p> </p><p>Regarding the ATM network specifically, LINK (the scheme that runs the UK's largest ATM network) has commitments to protect the broad geographic spread of free-to-use ATMs and is held to account against these commitments by the Payment Systems Regulator. LINK has committed to protect free-to-use ATMs more than one kilometre away from the next nearest free ATM or Post Office, and free access to cash on high streets (where there is a cluster of five or more retailers) that do not have a free-to-use ATM or a Post Office counter within one kilometre.</p><p> </p><p>LINK reports that as of June 2023 there are over 38,000 free-to-use ATMs in the UK. LINK’s Monthly ATM Footprint Report also publishes information on the break down by constituency, which is available online: <a href="https://www.link.co.uk/initiatives/financial-inclusion-monthly-report/" target="_blank">https://www.link.co.uk/initiatives/financial-inclusion-monthly-report/</a></p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 12/09/2023 10:13:30 answering member 4874 label Biography information for Andrew Griffith
tabling member	350 label Biography information for Sir John Hayes

1658271

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Royal Mint: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to page 40 of the document entitled Royal Mint Trading Fund annual report and accounts 2022-23, HC 1644, published on 19 July 2023, which body or agency investigated the external fraud incident; what the nature of that incident was; and whether that investigation has concluded.
tabling member constituency	Islington South and Finsbury
tabling member printed	Emily Thornberry
uin	197760
answer	answer is ministerial correction date of answer 14/09/2023 answer text <p>As outlined in the Royal Mint Trading Fund’s Annual Reports and Accounts, an external fraud incident occurred impacting the Royal Mint. A small number of fraudulent transactions were made on the Royal Mint’s website. The incident did not impact Royal Mint customers details and there was no risk to customer data. The Royal Mint has provided assurances to the Department on the incident and commissioned external fraud risk and assurance advice. There is an ongoing investigation by law enforcement agencies.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197761 197762 question first answered 14/09/2023 14:55:06 answering member 4874 label Biography information for Andrew Griffith
tabling member	1536 label Biography information for Emily Thornberry

1658272

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Royal Mint: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to page 40 of the document entitled Royal Mint Trading Fund annual report and accounts 2022-23, HC 1644, published on 19 July 2023, what the nature of the external fraud incident was; which areas of the Royal Mint’s operations were targeted by that incident; and what proportion of the resulting losses have been recovered as of 1 September 2023.
tabling member constituency	Islington South and Finsbury
tabling member printed	Emily Thornberry
uin	197761
answer	answer is ministerial correction date of answer 14/09/2023 answer text <p>As outlined in the Royal Mint Trading Fund’s Annual Reports and Accounts, an external fraud incident occurred impacting the Royal Mint. A small number of fraudulent transactions were made on the Royal Mint’s website. The incident did not impact Royal Mint customers details and there was no risk to customer data. The Royal Mint has provided assurances to the Department on the incident and commissioned external fraud risk and assurance advice. There is an ongoing investigation by law enforcement agencies.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197760 197762 question first answered 14/09/2023 14:55:06 answering member 4874 label Biography information for Andrew Griffith
tabling member	1536 label Biography information for Emily Thornberry

1658273

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Royal Mint: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to page 40 of the document entitled Royal Mint Trading Fund annual report and accounts 2022-23, HC 1644, published on 19 July 2023, on what date he was informed of the external fraud incident; and what recent assessment he has made of the effectiveness of the Royal Mint’s cyber security.
tabling member constituency	Islington South and Finsbury
tabling member printed	Emily Thornberry
uin	197762
answer	answer is ministerial correction date of answer 14/09/2023 answer text <p>As outlined in the Royal Mint Trading Fund’s Annual Reports and Accounts, an external fraud incident occurred impacting the Royal Mint. A small number of fraudulent transactions were made on the Royal Mint’s website. The incident did not impact Royal Mint customers details and there was no risk to customer data. The Royal Mint has provided assurances to the Department on the incident and commissioned external fraud risk and assurance advice. There is an ongoing investigation by law enforcement agencies.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197760 197761 question first answered 14/09/2023 14:55:07 answering member 4874 label Biography information for Andrew Griffith
tabling member	1536 label Biography information for Emily Thornberry

1658309

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Video Games: Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate he has made of how many gaming companies in (a) the UK and (b) Enfield North constituency have benefited from Video Games Tax Relief in the most recent year for which data is available.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197922
answer	answer is ministerial correction date of answer 12/09/2023 answer text <p>While HMRC does not hold information at a constituency level, the number of companies benefiting from the Video Games Tax Relief can be found in Table 4.1 of:</p><p><a href="https://www.gov.uk/government/statistics/creative-industries-statistics-august-2023" target="_blank">https://www.gov.uk/government/statistics/creative-industries-statistics-august-2023</a></p> answering member constituency Louth and Horncastle answering member printed Victoria Atkins question first answered 12/09/2023 14:58:16 answering member 4399 label Biography information for Victoria Atkins
tabling member	4822 label Biography information for Feryal Clark

1658319

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Greater London
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, whether he has made a recent assessment of the potential impact of high street bank branch closures in (a) Enfield North constituency, (b) the London Borough of Enfield and (c) London on people affected by those closures in those areas.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197932
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p><strong>T</strong>he government believes that all customers, wherever they live, should have appropriate access to banking and cash services.</p><p> </p><p>The government has legislated to protect access to cash. The Financial Services and Markets Act 2023 provides the Financial Conduct Authority (FCA) with responsibility and powers to seek to ensure reasonable provision of cash access services. The FCA is currently developing its approach and will consult in due course.</p><p> </p><p>Regarding bank branch closures, these decisions are a commercial issue for banks and building societies. The government does not intervene in these decisions or make direct assessments of these branch networks.</p><p> </p><p>Guidance from the Financial Conduct Authority sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on the everyday banking and cash access needs of their customers and consider possible alternative access arrangements. This ensures that the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p> </p><p>Alternative options for access to banking can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p><p> </p><p>New shared Banking Hubs are also being introduced, providing cash and basic banking services and dedicated space where community bankers from major banks can meet customers of that bank. To date, industry has committed to deliver Banking Hubs in 80 locations. Further information on Banking Hubs is available at: <a href="https://gbr01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cashaccess.co.uk%2F&amp;data=05%7C01%7CPQ.PQMAIL%40hmtreasury.gov.uk%7Ceff1b6913818479a2a9c08dbb0687ec0%7Ced1644c505e049e6bc39fcf7ac51c18c%7C0%7C0%7C638297735344807980%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=nviFRlRjh78p%2BYVwAbSyERlHnlvBdXqJP3U5FxnSEYs%3D&amp;reserved=0" target="_blank">https://www.cashaccess.co.uk/</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197933 question first answered 13/09/2023 13:24:17 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark

1658320

registered interest
date	05/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services: Greater London
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the adequacy of access to (a) cash and (b) banking services in (i) Enfield North constituency, (ii) the London Borough of Enfield and (iii) London; and what steps he is taking to ensure adequate access to (A) cash and (B) banking services in those areas in the next five years.
tabling member constituency	Enfield North
tabling member printed	Feryal Clark
uin	197933
answer	answer is ministerial correction date of answer 13/09/2023 answer text <p><strong>T</strong>he government believes that all customers, wherever they live, should have appropriate access to banking and cash services.</p><p> </p><p>The government has legislated to protect access to cash. The Financial Services and Markets Act 2023 provides the Financial Conduct Authority (FCA) with responsibility and powers to seek to ensure reasonable provision of cash access services. The FCA is currently developing its approach and will consult in due course.</p><p> </p><p>Regarding bank branch closures, these decisions are a commercial issue for banks and building societies. The government does not intervene in these decisions or make direct assessments of these branch networks.</p><p> </p><p>Guidance from the Financial Conduct Authority sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on the everyday banking and cash access needs of their customers and consider possible alternative access arrangements. This ensures that the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p> </p><p>Alternative options for access to banking can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p><p> </p><p>New shared Banking Hubs are also being introduced, providing cash and basic banking services and dedicated space where community bankers from major banks can meet customers of that bank. To date, industry has committed to deliver Banking Hubs in 80 locations. Further information on Banking Hubs is available at: <a href="https://gbr01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cashaccess.co.uk%2F&amp;data=05%7C01%7CPQ.PQMAIL%40hmtreasury.gov.uk%7Ceff1b6913818479a2a9c08dbb0687ec0%7Ced1644c505e049e6bc39fcf7ac51c18c%7C0%7C0%7C638297735344807980%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=nviFRlRjh78p%2BYVwAbSyERlHnlvBdXqJP3U5FxnSEYs%3D&amp;reserved=0" target="_blank">https://www.cashaccess.co.uk/</a></p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 197932 question first answered 13/09/2023 13:24:17 answering member 4874 label Biography information for Andrew Griffith
tabling member	4822 label Biography information for Feryal Clark