https://www.eapf.org.uk/~/media/document-libraries/eapf2/policies/2023/conflicts-of-interest-policy-agreed-at-june--23-pc--final_v2.pdf?la=en&hash=73A3192F28D6418F742FA515277EE97CA00E8542<\/a><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4580", "label" : {"_value" : "Biography information for Baroness Vere of Norbiton"}
}
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, "dateOfAnswer" : {"_value" : "2024-02-12", "_datatype" : "dateTime"}
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, "questionFirstAnswered" : [{"_value" : "2024-02-12T16:40:10.63Z", "_datatype" : "dateTime"}
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, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2024-01-29", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Pension Funds"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what assessment they have made of the practice of the pension funds of regulators investing in companies for which the regulator has oversight responsibility, for example in the recent case of the Environment Agency\u2019s pension fund investing in companies which produce PFAS.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL1972"}
, {"_about" : "http://data.parliament.uk/resources/1654938", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1654938/answer", "answerText" : {"_value" : "The Government does not prescribe the terms, conditions or price that insurance companies may set when offering insurance, including travel insurance. As travel insurance policies differ, customers should speak to their insurer or check the terms and conditions of their policy. <\/p>
<\/p>
Travel insurers must treat customers fairly and are required to do so by the Financial Conduct Authority.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4726", "label" : {"_value" : "Biography information for Baroness Penn"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Penn"}
, "dateOfAnswer" : {"_value" : "2023-07-26", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2023-07-26T14:08:23.093Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2023-07-20", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Travel: Insurance"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what steps they are taking to ensure that travel insurance companies provide cover for travel cancellations due to heatwaves, given their rising incidence and intensity, and the risks to the health of travellers.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL9535"}
, {"_about" : "http://data.parliament.uk/resources/1536576", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1536576/answer", "answerText" : {"_value" : "
The Government recognises the vital role that advice services play in helping people in problem debt and vulnerable circumstances.<\/p>
<\/p>
To help people in problem debt, the Government continues to maintain record levels of funding for free-to-client debt advice in England, bringing the 2022-23 debt advice budget for the Money and Pensions Service (MaPS) to over £90 million.<\/p>
<\/p>
MaPS is the single largest funder of debt advice in England. It works alongside partners across the UK to make debt advice easier and quicker to access, and to improve standards and quality across the sector.<\/p>
MaPS recently concluded a debt advice commissioning exercise with the primary aim of increasing the volume of debt advice available, as well as ensuring that such advice meets clients\u2019 needs and proactively targets vulnerable and underrepresented groups. These contracts, once signed, will be starting from 1 February 2023.<\/p>
<\/p>
To help people access debt advice, MaPS launched MoneyHelper in 2021, a consumer-facing service which provides free and impartial guidance for people across the UK. This includes budget planning and bill prioritiser tools, practical tips for engaging with creditors and a Debt Advice Locator Tool, which helps people find free, high-quality debt advice in their local area or via the telephone and online.<\/p>
<\/p>
MaPS has also developed the Money Advisor Network pilot which enables a range of organisations including Job Centre Plus, local authorities and financial service providers to refer people for free to MaPS funded debt advice. The individuals referred can either proceed immediately to debt advice, request a call-back at a more convenient time or schedule an in-person appointment.<\/p>
<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4726", "label" : {"_value" : "Biography information for Baroness Penn"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Penn"}
, "dateOfAnswer" : {"_value" : "2022-11-08", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2022-11-08T15:50:45.027Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2022-10-26", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Debts: Advisory Services"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what plans they have to ensure that public advice services for (1) individuals, and (2) households, struggling with debt are able to meet demand.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL2908"}
, {"_about" : "http://data.parliament.uk/resources/1536578", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1536578/answer", "answerText" : {"_value" : "
Mortgage arrears levels remain historically low. According to the latest UK Finance data, there were 74,560 residential mortgages in arrears at the end of June, 10% fewer than in the same period in the previous year.<\/p>
<\/p>
If mortgage borrowers do fall into financial difficulty, Financial Conduct Authority (FCA) guidance requires firms to provide support through tailored forbearance options. The Government has taken a number of measures aimed at helping people to avoid repossession, including Support for Mortgage Interest loans for those in receipt of an income-related benefit, and protection in the courts through the Pre-Action Protocol, which makes it clear that repossession must always be the last resort for lenders.<\/p>
<\/p>
Whilst the setting of rents and the payment of mortgages are matters for private landlords, ensuring a fair deal for renters remains a priority for this government.<\/p>
<\/p>
The Government has already taken immediate action to help households with the rising cost of living through the Energy Price Guarantee and the Energy Bills Support Scheme. This is in addition to the £37 billion of targeted support for the cost of living this financial year, which will support homeowners and tenants alike. The Government has also announced an extra £500 million of local support in England via the Household Support Fund (bringing the total amount provided to £1.5 billion since October 2021).<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4726", "label" : {"_value" : "Biography information for Baroness Penn"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Penn"}
, "dateOfAnswer" : {"_value" : "2022-11-09", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2022-11-09T12:05:05.583Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2022-10-26", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Mortgages: Interest Rates"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what plans they have to assist (1) households at risk of defaulting on their mortgage as a result of rising interest rates, and (2) private renters whose landlord is at risk of defaulting on their mortgage.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL2910"}
, {"_about" : "http://data.parliament.uk/resources/1522040", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1522040/answer", "answerText" : {"_value" : "
The latest data indicates that the working age inactivity rate in the three months to August was 21.7%, up 0.6 percentage points on the previous three months and up 0.5 percentage points on the year. The headline employment rate for the three months to August was 75.5%, up 0.3 percentage points on the year. Demand for labour remains strong, with vacancies near record highs and significantly above pre-pandemic levels in the third quarter of 2022 (+51%). The latest data indicates that that the unemployment rate fell to 3.5% in the three months to August, the lowest rate since 1974.<\/em><\/p> <\/p>
Our Plan for Patients, which the Department of Health and Social Care introduced in Parliament on 22 September, sets out our immediate priorities to support individuals to live healthier lives and to strengthen the resilience and health of the nation. This includes moving prevention services closer to the patient, expanding mental health support in schools and increasing support for people to start, stay and succeed in employment. Alongside this, the Department of Health and Social Care is currently reviewing all of its wider priorities with a focus on improving the health of the population across the breadth of the country.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4169", "label" : {"_value" : "Biography information for Viscount Younger of Leckie"}
}
, "answeringMemberPrinted" : {"_value" : "Viscount Younger of Leckie"}
, "dateOfAnswer" : {"_value" : "2022-10-27", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2022-10-27T12:55:38.283Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2022-10-13", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Public Health and Unemployment"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what assessment they have made of recent data from the Office for National Statistics regarding the UK employment rate for October 2022, which found that \"UK economic inactivity rate was estimated at 21.7%, which is 0.6 percentage points higher than the previous three-month period\"; and what steps they are taking to improve public health, given this is a potential contributory factor for such economic inactivity.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL2580"}
, {"_about" : "http://data.parliament.uk/resources/1521534", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1521534/answer", "answerText" : {"_value" : "
The Government actively monitors the financial sector and any risks to financial stability and the UK economy more widely. It continues to work closely with the regulators, including the Bank of England and the Financial Conduct Authority, to assess risks and where appropriate coordinate a response with them. The regulators are working with firms to improve their resilience to market shocks, and it is a focus of government to ensure that we have a robust regulatory system. The UK financial sector remains resilient and well capitalised \u2013 ensuring it can continue to support households and business and play an important part in the UK economy.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4169", "label" : {"_value" : "Biography information for Viscount Younger of Leckie"}
}
, "answeringMemberPrinted" : {"_value" : "Viscount Younger of Leckie"}
, "dateOfAnswer" : {"_value" : "2022-10-25", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2022-10-25T13:03:09.797Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2022-10-12", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Financial Services"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government what recent steps they have taken to determine whether the financial sector presents too great a risk for the UK economy and regulatory structures to bear.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
, "tablingMemberPrinted" : [{"_value" : "Baroness Bennett of Manor Castle"}
], "uin" : "HL2516"}
, {"_about" : "http://data.parliament.uk/resources/1489777", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1489777/answer", "answerText" : {"_value" : "
HM Government continually monitors developments in the global economy, including public and private debt levels, interest rates and the growth outlook, among other macroeconomic indicators.<\/p>
<\/p>
Total global debt increased following the onset of the pandemic in 2020, reflecting a rise in public and private debt. Public debt increased as governments introduced fiscal support to mitigate the impact of the pandemic on livelihoods, whilst revenues fell in line with the broader decline in economic activity. This fiscal support helped maintain living standards and support global growth. Private debt has also increased, with government policies helping to maintain private access to credit to mitigate a more severe downturn.<\/p>
<\/p>
Higher global debt levels can increase financial fragilities and lower growth by reducing investment. Against a backdrop of higher debt levels, rapidly rising global interest rates and higher energy and food prices may worsen balance of payment and fiscal pressures and increase risks of debt distress, particularly for some emerging and developing economies.<\/p>
<\/p>
HMG works closely with major international organisations, including the IMF, World Bank, to understand how debt levels are changing, and on necessary international policy responses, including appropriate support for economies experiencing debt distress. For example, the UK has committed to channelling circa up to 20% of its allocation of Special Drawing Rights (SDRs) from the IMF\u2019s 2021 general allocation of SDRs to those countries most in need; and is driving forward the implementation of the G20/Paris Club Common Framework for debt treatment to support eligible low-income countries with unsustainable debt.<\/p>
<\/p>
In the April World Economic Outlook the IMF emphasised the need for guaranteeing an orderly system for resolving debt, including the continued application of the Common Framework, where liquidity support alone is not sufficient. In the UK, public debt increased during the pandemic, in line with other countries around the world. In recognition of the risks of high debt, the UK government has already made responsible decisions which return public debt levels to a sustainable path, supported by fiscal rules which require debt to fall as a proportion of GDP over the medium-term.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4726", "label" : {"_value" : "Biography information for Baroness Penn"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Penn"}
, "dateOfAnswer" : {"_value" : "2022-07-22", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2022-07-22T09:55:38.817Z", "_datatype" : "dateTime"}
]}
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, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2022-07-15", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Economic Situation"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty's Government what assessment they have made of the effects of total global debt reaching 352 per cent of Gross Domestic Product in the first quarter of this year; and what steps they will take in response.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4719", "label" : {"_value" : "Biography information for Baroness Bennett of Manor Castle"}
}
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], "uin" : "HL1789"}
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