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751209

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Banks: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many bank branches have closed by parliamentary constituency in each year for which figures are available.
tabling member constituency	Vale of Clwyd
tabling member printed	Chris Ruane
uin	4500
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The Treasury does not collect data relating to bank branch closures.</p><p> </p><p>Decisions on the opening and closing of individual bank branches are taken by the management team of each bank on a commercial basis without intervention from Government. While banks and building societies need to balance customer interests, market competition, and other commercial factors when considering their strategy, the Government is pleased to see that the industry is committing to further improvements to protect those affected by branch closures. For this reason, the Government welcomed the industry-wide Access to Banking Protocol and Professor Russel Griggs’ independent ‘one year on’ review, published last November.</p><p> </p><p>Building on Professor Griggs’ review, the new Access to Banking Standard came into effect on 1 May. The Standard commits banks to ensure customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help.</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 4499 4501 question first answered 17/07/2017 11:04:30 answering member 4095 label Biography information for Steve Barclay
tabling member	534 label Biography information for Chris Ruane

751212

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Banks: Wales
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many bank and building society branches have closed in (a) Vale of Clwyd constituency, (b) Denbighshire and (c) Conwy county in the last five years.
tabling member constituency	Vale of Clwyd
tabling member printed	Chris Ruane
uin	4499
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The Treasury does not collect data relating to bank branch closures.</p><p> </p><p>Decisions on the opening and closing of individual bank branches are taken by the management team of each bank on a commercial basis without intervention from Government. While banks and building societies need to balance customer interests, market competition, and other commercial factors when considering their strategy, the Government is pleased to see that the industry is committing to further improvements to protect those affected by branch closures. For this reason, the Government welcomed the industry-wide Access to Banking Protocol and Professor Russel Griggs’ independent ‘one year on’ review, published last November.</p><p> </p><p>Building on Professor Griggs’ review, the new Access to Banking Standard came into effect on 1 May. The Standard commits banks to ensure customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help.</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 4500 4501 question first answered 17/07/2017 11:04:30 answering member 4095 label Biography information for Steve Barclay
tabling member	534 label Biography information for Chris Ruane

751227

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Banks: Closures
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 effect of bank and building society closures on (a) town centres, (b) businesses and (c) individuals.
tabling member constituency	Vale of Clwyd
tabling member printed	Chris Ruane
uin	4501
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The Treasury does not collect data relating to bank branch closures.</p><p> </p><p>Decisions on the opening and closing of individual bank branches are taken by the management team of each bank on a commercial basis without intervention from Government. While banks and building societies need to balance customer interests, market competition, and other commercial factors when considering their strategy, the Government is pleased to see that the industry is committing to further improvements to protect those affected by branch closures. For this reason, the Government welcomed the industry-wide Access to Banking Protocol and Professor Russel Griggs’ independent ‘one year on’ review, published last November.</p><p> </p><p>Building on Professor Griggs’ review, the new Access to Banking Standard came into effect on 1 May. The Standard commits banks to ensure customers are better informed about branch closures and the reasons for them closing, along with the options they have locally to continue to access banking services, including specialist assistance for customers who need more help.</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay grouped question UIN 4499 4500 question first answered 17/07/2017 11:04:30 answering member 4095 label Biography information for Steve Barclay
tabling member	534 label Biography information for Chris Ruane

751232

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Economic Growth: Inequality
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether his Department has commissioned research on projected levels of inequality and economic growth.
tabling member constituency	Aberdeen North
tabling member printed	Kirsty Blackman
uin	4644
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The independent Office for Budget Responsibility (OBR) is tasked with creating the forecasts for economic growth on which the government sets fiscal policy. These are published in the ‘Economic and fiscal outlook’, most recently at the Spring Budget 2017. At Spring Budget 2017, the OBR revised up growth in 2017 to 2.0%, but revised it slightly down thereafter.</p><p> </p><p>There are no official projections of inequality. The latest data from the Office for National Statistics show that inequality reached a 30-yr low last year.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 17/07/2017 11:19:48 answering member 4095 label Biography information for Steve Barclay
tabling member	4357 label Biography information for Kirsty Blackman

751233

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Young People
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 prevent young people from falling into problem debt.
tabling member constituency	Aberdeen North
tabling member printed	Kirsty Blackman
uin	4645
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The government is committed to supporting all those affected by problem debt, and has a range of measures in place.</p><p> </p><p>The Financial Conduct Authority (FCA) regulates the consumer credit market, and has introduced binding rules to strengthen consumer protection. They are based on the principle that money should only be lent to a consumer if they can afford to repay it; lenders must show forbearance if there is evidence of financial difficulty.</p><p> </p><p>The FCA also capped the cost of payday loans. As part of a review of this price cap, the FCA will examine the high-cost credit market more broadly (such as rent-to-own), and consider whether further interventions are necessary to address the risk of consumer harm.</p><p> </p><p>The Money Advice Service (MAS) coordinates the provision of free-to-client debt advice. Last financial year, MAS had a debt advice budget of £45m and funded 380,000 free-to-client debt advice sessions.</p><p> </p><p>In the Queen’s Speech, the government announced the Financial Guidance and Claims Bill. This will legislate to restructure the financial guidance landscape and bring debt advice, money guidance, and pensions guidance together in a single body, and give consumers better access to the financial information they need. This Bill is currently going through Parliament.</p><p> </p><p>This government's manifesto proposed a statutory breathing space that would give heavily indebted consumers a period of respite from enforcement action, and further interest and charges for a period of up to six weeks. Where appropriate, this would be followed by a statutory repayment plan to help them pay back their debts in a sustainable way. We will outline further information on how this policy could be implemented in due course.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 17/07/2017 10:46:54 answering member 4095 label Biography information for Steve Barclay
tabling member	4357 label Biography information for Kirsty Blackman

751235

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Economic Situation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the economic effect of the enforcement of immigration policy on businesses in the last 12 months.
tabling member constituency	Bristol West
tabling member printed	Thangam Debbonaire
uin	4656
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The Treasury has not made any formal assessment of the economic effect of immigration enforcement on business.</p><p> </p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 17/07/2017 11:05:34 answering member 4095 label Biography information for Steve Barclay
tabling member	4433 label Biography information for Thangam Debbonaire

751236

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Cash Dispensing: Fees and Charges
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the proportion of free-to-use cash machines which would (a) be removed or (b) start charging customers if business rates are levied on cash machines.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	4658
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>Government has not made an estimate of the number of cash machines that would be removed or start charging customers if business rates were levied on cash machines.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 17/07/2017 11:21:40 answering member 4095 label Biography information for Steve Barclay
tabling member	304 label Biography information for Mr Roger Godsiff

751241

registered interest
date	12/07/2017
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Foreign Exchange
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he plans to publish the results of the research on foreign exchange; whether those results will be published with the Government response to that consultation; whether he plans to use those results to inform amendments to the draft Payment Services Regulations 2017; and if he will make a statement.
tabling member constituency	Hammersmith
tabling member printed	Andy Slaughter
uin	4713
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>The Government does not intend to publish the research it conducted earlier in the year on the effects of transparency in overseas money transfers (involving foreign exchange) on consumer decisions at this point in time as it relates to the formulation and development of ongoing government policy.</p><p> </p><p>However, the research will help to inform the Government’s response to its consultation on the implementation of the second Payment Services Directive, which will be published shortly. The Government will need to weigh up the benefits of requiring greater transparency with other considerations, such as the Government’s approach to implementing maximum harmonising Directives.</p> answering member constituency North East Cambridgeshire answering member printed Stephen Barclay question first answered 17/07/2017 14:01:45 answering member 4095 label Biography information for Steve Barclay
tabling member	1516 label Biography information for Andy Slaughter

751255

registered interest
date	12/07/2017
answering body	Department for Digital, Culture, Media and Sport
answering dept id	10
answering dept short name	Digital, Culture, Media and Sport
answering dept sort name	Digital, Culture, Media and Sport
hansard heading	Gaming Machines
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Digital, Culture, Media and Sport, if she will make it her policy to reduce the maximum stake on fixed-odds betting terminals from £100 to £2.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	4523
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>A review of gaming machines and social responsibility measures was launched in October 2016, this includes a close look at fixed odds betting terminals. Responses to the review's call for evidence are being considered and a response will be published in due course.</p> answering member constituency Chatham and Aylesford answering member printed Tracey Crouch question first answered 17/07/2017 13:40:05 answering member 3950 label Biography information for Dame Tracey Crouch
tabling member	410 label Biography information for Jon Trickett

751256

registered interest
date	12/07/2017
answering body	Department for Digital, Culture, Media and Sport
answering dept id	10
answering dept short name	Digital, Culture, Media and Sport
answering dept sort name	Digital, Culture, Media and Sport
hansard heading	21st Century Fox: Sky
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Digital, Culture, Media and Sport, if she will postpone the Fox takeover of Sky until the second half of the Leveson Inquiry has been completed.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	4661
answer	answer is ministerial correction date of answer 17/07/2017 answer text <p>As set out in previous statements to the House, the Secretary of State's quasi-judicial responsibilities in relation to the proposed acquisition of Sky by 21st Century Fox will be discharged, robustly and transparently. Such decisions must also be taken as promptly as is reasonably practicable.</p><p> </p><p>On 29 June the Secretary of State announced that she is minded-to refer the merger to the Competition and Markets Authority (CMA) on media plurality grounds. In coming to a final decision, consideration will be given to the available evidence before her including any further representations received following the call for evidence which closed on 14 July.</p><p> </p> answering member constituency West Suffolk answering member printed Matt Hancock question first answered 17/07/2017 14:13:33 answering member 4070 label Biography information for Matt Hancock
tabling member	304 label Biography information for Mr Roger Godsiff