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442504

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Students: Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what assessment his Department has made of the extent to which the level of student debt affects the outcome of students' applications for a mortgage.
tabling member constituency	Huddersfield
tabling member printed	Mr Barry Sheerman
uin	20940
answer	answer is ministerial correction date of answer 13/01/2016 answer text <br /><p>The Financial Conduct Authority (FCA) Mortgage Market Review, introduced in April 2014, requires mortgage lenders to assess individuals’ ability to repay their loans. The Council for Mortgage Lenders has advised that individuals who have a student loan and are earning over the relevant repayment threshold may have higher committed expenditures and lower net incomes and this could mean they are unable to borrow as much as an equivalent individual who is not repaying a student loan.</p><p><strong></strong></p> answering member constituency Orpington answering member printed Joseph Johnson question first answered 13/01/2016 17:26:23 answering member 4039 label Biography information for Lord Johnson of Marylebone
tabling member	411 label Biography information for Mr Barry Sheerman

442505

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Housing: Construction
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what steps his Department is taking to ensure that sufficient tradesmen are trained to support an increase in housing construction.
tabling member constituency	Strangford
tabling member printed	Jim Shannon
uin	21020
answer	answer is ministerial correction date of answer 13/01/2016 answer text <p>The Government is committed to significantly increasing the quantity and quality of all apprenticeships in England to 3 million starts by 2020; the construction industry will have an important part to play in achieving this target.</p><br /><p>Development of skilled labour can only be achieved with engagement of the industry. Construction employers in England are engaged in the Trailblazer process to develop apprenticeship standards that are fit for business, and we have announced a new apprenticeships levy which will put investment in training, and apprenticeships specifically, on a long-term, sustainable footing.</p><p>Initiatives, by the Construction Leadership Council, or through the Construction Industry Training Board (CITB) are seeking to encourage more young people into construction careers. This work includes the launch of the GO-Construct website and work with the National Careers Service and Construction Ambassadors for schools.</p><br /><p>The CITB and CITB Northern Ireland have also developed a range of initiatives. In England these include working closely with the Department for Work and Pensions, the Armed Forces resettlement service, Local Enterprise Partnerships and the Home Builders Federation, to encourage experienced individuals into the sector. The CITB continues to work closely with the Home Builders Federation to support skills initiatives.</p><br /><p>However, as noted in my answer to PQ UIN <a href="http://www.parliament.uk/business/publications/written-questions-answers-statements/written-question/Commons/2015-11-30/18208/" target="_blank">18208</a> skills policy (including apprenticeships policy) is a devolved matter. In Northern Ireland, it is the responsibility of the Department of Employment and Learning.</p> answering member constituency Grantham and Stamford answering member printed Nick Boles question first answered 13/01/2016 17:41:03 answering member 3995 label Biography information for Nick Boles
tabling member	4131 label Biography information for Jim Shannon

442506

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Department for Business, Innovation and Skills: European Union
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, how many staff in his Department are working on matters related to (a) European policy, (b) the future of Europe, (c) reform of the EU, (d) the renegotiation of the UK's relationship with the EU, (e) the EU referendum and (f) the consequences of the EU referendum; how many full-time equivalent staff are working on such matters; what the (i) staff and (ii) other cost of such work is; what proportion of that work is undertaken by such staff on (A) communications, (B) strategy and (C) policy; whether his Department has established any specific unit or units to deal with those matters; to whom such (1) staff and (2) units report; whether his Department has issued guidelines to staff on those matters; and if he will make a statement.
tabling member constituency	Harwich and North Essex
tabling member printed	Mr Bernard Jenkin
uin	21071
answer	answer is ministerial correction date of answer 14/01/2016 answer text <p><strong></strong></p><br /><p>The Government is fighting hard to fix the aspects of our EU membership that cause so much frustration in the United Kingdom - so we can get a better deal for our country and secure our future. Departments are appropriately resourced to support the Government's priorities in Europe, including the renegotiation and referendum.</p><p><strong></strong></p> answering member constituency Broxtowe answering member printed Anna Soubry question first answered 14/01/2016 15:54:40 answering member 3938 label Biography information for Anna Soubry
tabling member	40 label Biography information for Sir Bernard Jenkin

442507

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Arms Trade: Saudi Arabia
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, if he will suspend all licences permitting UK-produced arms to be sold to Saudi Arabia.
tabling member constituency	Aberavon
tabling member printed	Stephen Kinnock
uin	21060
answer	answer is ministerial correction date of answer 12/01/2016 answer text <p>All export licence applications are carefully assessed on a case by case basis against the Consolidated EU and National Arms Export Licensing Criteria, taking account all relevant factors at the time of the application. A licence will not be issued for any country if to do so would be a breach of the Criteria.</p><p><strong></strong></p><br /> answering member constituency Broxtowe answering member printed Anna Soubry question first answered 12/01/2016 16:18:24 answering member 3938 label Biography information for Anna Soubry
tabling member	4359 label Biography information for Stephen Kinnock

442509

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Students: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what estimate his Department has made of the proportion of current and past students who it expects will be able to pay off their student loans in full.
tabling member constituency	Huddersfield
tabling member printed	Mr Barry Sheerman
uin	20938
answer	answer is ministerial correction date of answer 26/01/2016 answer text <p>The student loan system is progressive, with income contingent repayments protecting those on the lowest incomes and loans that have not been fully repaid being cancelled after 30 years. Therefore only a proportion of students are expected to fully repay their loans within this repayment term, although almost all students will repay at least part of their loan.</p><p>The BIS Student Loan Repayment Model forecasts that around 45% of current full time students will fully repay their student loan. The majority of these students have Plan 2 student loans.</p><p>It is forecast that around 75% of all past students with student loans since 1998 that are still making repayments will fully repay their student loan. This includes all full time students that finished their courses in the 2015/16 financial year or earlier, the majority of whom have Plan 1 student loans.</p><p>The above figure for past students does not include those borrowers who have already fully repaid their student loan or had it cancelled. The Student Loan Company publication ‘Student Loans in England: financial year 2014-15’ published in June 2015 shows statistics on the number of borrowers that had fully repaid their loans or had them cancelled up to the end of April 2015. This can be found at the following link:</p><p><a href="http://www.slc.co.uk/official-statistics/student-loans-debt-and-repayment/england.aspx" target="_blank">http://www.slc.co.uk/official-statistics/student-loans-debt-and-repayment/england.aspx</a></p><br /> <br /> <br /> <br /> answering member constituency Orpington answering member printed Joseph Johnson question first answered 26/01/2016 16:01:23 answering member 4039 label Biography information for Lord Johnson of Marylebone
tabling member	411 label Biography information for Mr Barry Sheerman

442510

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Higher Education: Costs
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what steps he is taking to reduce the cost of university for students.
tabling member constituency	Huddersfield
tabling member printed	Mr Barry Sheerman
uin	20939
answer	answer is ministerial correction date of answer 13/01/2016 answer text <br /><p>All eligible students can apply for an upfront tuition fee loan to meet the costs of their tuition fees. This ensures that students are not prevented from attending their course because they cannot pay for their fees.</p><br /><p>From 1 August 2016 onwards, students who would otherwise have received a grant will see an increase in the amount of maintenance support they can access, with those from the most disadvantaged backgrounds receiving 10.3% more in loans for living costs.</p><br /><p>Linking repayment to a borrower's income will ensure that deductions are based on their ability to repay. Repayments are made through the UK tax system at 9% of earnings of any income over the relevant repayment threshold and they will cease if earnings fall below the threshold. Any outstanding loan balance will be written off after thirty years.</p><br /><p><strong></strong></p> answering member constituency Orpington answering member printed Joseph Johnson question first answered 13/01/2016 17:30:39 answering member 4039 label Biography information for Lord Johnson of Marylebone
tabling member	411 label Biography information for Mr Barry Sheerman

442511

registered interest
date	05/01/2016
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Manufacturing Industries: EU Law
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, if he will estimate how many new EU regulations and directives have been implemented in the UK in 2015 which affect British manufacturing industries.
tabling member constituency	Romford
tabling member printed	Andrew Rosindell
uin	21156
answer	answer is ministerial correction date of answer 13/01/2016 answer text <br /><p>All regulations implementing EU legislation that were introduced in 2015 and their associated impacts can be found on legislation.gov.uk<em>. </em></p><p><em></em></p><p><strong></strong></p> answering member constituency Broxtowe answering member printed Anna Soubry question first answered 13/01/2016 17:36:03 answering member 3938 label Biography information for Anna Soubry
tabling member	1447 label Biography information for Andrew Rosindell

442513

registered interest
date	05/01/2016
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Cabinet Office: European Union
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Minister for the Cabinet Office, how many staff in his Department are working on matters related to (a) European policy, (b) the future of Europe, (c) reform of the EU, (d) the renegotiation of the UK's relationship with the EU, (e) the EU referendum and (f) the consequences of the EU referendum; how many full-time equivalent staff are working on such matters; what the (i) staff and (ii) other cost of such work is; what proportion of that work is undertaken by such staff on (A) communications, (B) strategy and (C) policy; whether his Department has established any specific unit or units to deal with those matters; to whom such (1) staff and (2) units report; whether his Department has issued guidelines to staff on those matters; and if he will make a statement.
tabling member constituency	Harwich and North Essex
tabling member printed	Mr Bernard Jenkin
uin	21072
answer	answer is ministerial correction date of answer 13/01/2016 answer text <p>The Government is fighting hard to fix the aspects of our EU membership that cause so much frustration in Britain - so we get a better deal for our country and secure our future. Departments are appropriately resourced to support the Government's priorities in Europe, including the renegotiation and referendum.</p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 13/01/2016 17:03:57 answering member 4070 label Biography information for Matt Hancock
tabling member	40 label Biography information for Sir Bernard Jenkin

442517

registered interest
date	05/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Financial Markets
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 European Securities and Markets Authority on the efficacy of current regulations to protect against the manipulation of the financial markets.
tabling member constituency	Enfield North
tabling member printed	Joan Ryan
uin	21047
answer	answer is ministerial correction date of answer 13/01/2016 answer text <p>The Treasury is in regular close contact with the FCA and the Prudential Regulatory Authority (PRA) on all issues relating to financial market conduct.</p><br /><p>Following benchmark cases on LIBOR, Foreign Exchange and Gold, the government passed legislation to regulate benchmark activities in UK. The administrators and submitters to <a href="http://www.fca.org.uk/firms/markets/benchmarks/our-powers" target="_blank">eight benchmarks</a>, including LIBOR, are now subject to the Financial Conduct Authority’s (FCA’s) standards of governance, controls, accountability, management of conflicts of interest and record keeping. This domestic regime will be superseded by the EU Benchmark Regulation when that enters into force.</p><br /><p>The European Parliament and the Council of the EU reached a compromise on an EU Benchmark Regulation on 24 November 2015. The Regulation brings in a set of rules to ensure that benchmark providers in the EU have prior authorisation and are subject to supervision, in line with internationally agreed principles drawn up by the International Organization of Securities Commissions (IOSCO).</p><br /><p>The government regularly engages with all the relevant European institutions to ensure that European-level regulations are strong and effective.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 21048 question first answered 13/01/2016 15:43:47 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	166 label Biography information for Joan Ryan

442519

registered interest
date	05/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	LIBOR
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 financial regulators to ensure that regulations on fixing the rates of the London Interbank Offered Rate are better enforced.
tabling member constituency	Enfield North
tabling member printed	Joan Ryan
uin	21048
answer	answer is ministerial correction date of answer 13/01/2016 answer text <p>The Treasury is in regular close contact with the FCA and the Prudential Regulatory Authority (PRA) on all issues relating to financial market conduct.</p><br /><p>Following benchmark cases on LIBOR, Foreign Exchange and Gold, the government passed legislation to regulate benchmark activities in UK. The administrators and submitters to <a href="http://www.fca.org.uk/firms/markets/benchmarks/our-powers" target="_blank">eight benchmarks</a>, including LIBOR, are now subject to the Financial Conduct Authority’s (FCA’s) standards of governance, controls, accountability, management of conflicts of interest and record keeping. This domestic regime will be superseded by the EU Benchmark Regulation when that enters into force.</p><br /><p>The European Parliament and the Council of the EU reached a compromise on an EU Benchmark Regulation on 24 November 2015. The Regulation brings in a set of rules to ensure that benchmark providers in the EU have prior authorisation and are subject to supervision, in line with internationally agreed principles drawn up by the International Organization of Securities Commissions (IOSCO).</p><br /><p>The government regularly engages with all the relevant European institutions to ensure that European-level regulations are strong and effective.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 21047 question first answered 13/01/2016 15:43:47 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	166 label Biography information for Joan Ryan