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114609

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the Financial Conduct Authority (a) on the clarity of and (b) improving competition in the mortgage market.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213568
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213569 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

114610

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what representations he has received about the clarity of fees and charges and ease of comparison in the mortgage market.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213569
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

114616

registered interest
date	05/11/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the mortgage industry and consumer groups about making price comparison easier for consumers.
tabling member constituency	Gloucester
tabling member printed	Richard Graham
uin	213585
answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213569 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3990 label Biography information for Richard Graham

77864

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	Mortgages
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 reduce the bureaucracy required to apply for a new mortgage.
tabling member constituency	High Peak
tabling member printed	Andrew Bingham
uin	205997
answer	answer is ministerial correction date of answer 22/07/2014 answer text <p>The Financial Conduct Authority (FCA) has recently put in place new regulations for mortgages in the UK, known as the ‘Mortgage Market Review’ (MMR). The MMR is a matter for the FCA, whose day-to-day operations are independent from government control and influence.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/07/2014 16:11:37 answering member 4117 label Biography information for Andrea Leadsom
tabling member	3994 label Biography information for Andrew Bingham

58002

registered interest
date	04/06/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how many people having difficulty making mortgage repayments have requested help from the Financial Ombudsman Service in each of the last three years.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	199080
answer	answer is ministerial correction date of answer 11/06/2014 answer text <p>The Government does not collect data on the number of cases referred to the Financial Ombudsman Service (FOS). The FOS routinely collects and publishes statistics about the complaints referred to them, which they make publicly available on their website.</p><p> </p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:22:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4131 label Biography information for Jim Shannon