Consumer Credit Act<\/a> 1974.<\/p> <\/p>
<\/p>
The FCA has also inherited the OFT's power to fine, although the OFT's power to fine under the Consumer Credit Act was limited to fining a firm for breaches of a requirement imposed by the OFT (and the maximum penalty in this regard was £50,000). The Government has already strengthened the new regime by giving the FCA the ability to impose unlimited fines for breaches of regulatory requirements that take place after 1 April 2014.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4117", "label" : {"_value" : "Biography information for Andrea Leadsom"}
}
, "answeringMemberConstituency" : {"_value" : "South Northamptonshire"}
, "answeringMemberPrinted" : {"_value" : "Andrea Leadsom"}
, "dateOfAnswer" : {"_value" : "2014-07-09", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-07-09T15:30:09.4933612Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "CaTreasury"}
, "date" : {"_value" : "2014-07-03", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Consumers: Protection"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask Mr Chancellor of the Exchequer, what assessment he has made of the effect on (a) consumers and (b) endorsement of consumer protection law of the hand-over of investigations from the Office of Fair Trading to the Financial Conduct Authority.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4088", "label" : {"_value" : "Biography information for Stella Creasy"}
}
, "tablingMemberConstituency" : {"_value" : "Walthamstow"}
, "tablingMemberPrinted" : [{"_value" : "Stella Creasy"}
], "uin" : "204046"}
, {"_about" : "http://data.parliament.uk/resources/65632", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/65632/answer", "answerText" : {"_value" : "
There have been no internal or external complaints about alleged breaches of the Civil Service Code of Conduct received by the Departmental Complaints Officer since 2010.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/1513", "label" : {"_value" : "Biography information for Jo Swinson"}
}
, "answeringMemberConstituency" : {"_value" : "East Dunbartonshire"}
, "answeringMemberPrinted" : {"_value" : "Jo Swinson"}
, "dateOfAnswer" : {"_value" : "2014-07-09", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-07-09T16:16:15.7132164Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2014-07-03", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Civil Servants: Codes of Practice"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, how many (a) internal and (b) external complaints have been received by his Department about alleged breaches of the Civil Service Code of Conduct since 2010; and what steps his Department has taken in response to each such complaint.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1608", "label" : {"_value" : "Biography information for Lindsay Roy"}
}
, "tablingMemberConstituency" : {"_value" : "Glenrothes"}
, "tablingMemberPrinted" : [{"_value" : "Lindsay Roy"}
], "uin" : "203953"}
, {"_about" : "http://data.parliament.uk/resources/65633", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/65633/answer", "answerText" : {"_value" : "
The British Business Bank does not lend directly to small and medium-sized businesses.<\/p>
However, the British Business Bank does administer a number of the Department for Business, Innovation and Skills' schemes designed to improve access to finance for small and medium-sized businesses by facilitating lending which would not otherwise take place.<\/p>
In all cases the loans are made by third party lenders and neither the Department nor the Business Bank plays any part in the individual lending decisions.<\/p>
In some instances the loans are made using capital partially or wholly provided by the Department as either a grant or a loan and in other cases the lenders' own capital is used under the partial protection of a guarantee from the Department.<\/p>
The devolved nature of the delivery arrangements mean that the Department does not hold fully comparable information on the number of applications received by each lender in each programme but information on loans drawn down in the Financial Year 2013/14 is available as follows:<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4070", "label" : {"_value" : "Biography information for Matt Hancock"}
}
, "answeringMemberConstituency" : {"_value" : "West Suffolk"}
, "answeringMemberPrinted" : {"_value" : "Matthew Hancock"}
, "attachment" : {"_about" : "http://data.parliament.uk/resources/65633/answer/attachment/1", "fileName" : {"_value" : "British Business Bank loans.docx"}
, "title" : "British Business Bank loans to SMEs"}
, "dateOfAnswer" : {"_value" : "2014-07-10", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-07-10T13:39:25.8723332Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2014-07-03", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "British Business Bank"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, how many small and medium-sized business in (a) Ashfield constituency, (b) Nottinghamshire and (c) England and Wales have (i) applied for and (ii) been granted loans by the British Business Bank in the last year.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3915", "label" : {"_value" : "Biography information for Gloria De Piero"}
}
, "tablingMemberConstituency" : {"_value" : "Ashfield"}
, "tablingMemberPrinted" : [{"_value" : "Gloria De Piero"}
], "uin" : "203964"}
, {"_about" : "http://data.parliament.uk/resources/65638", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/65638/answer", "answerText" : {"_value" : "
UK Trade & Investment (UKTI) provides a wide range of export services to small businesses, including small businesses located in rural areas. Those services include access to UKTI's network of trade advisers who help companies develop their export potential, as well as support for companies to attend overseas missions and exhibitions. When overseas, small companies can access support from UKTI teams in more than 100 international markets.<\/p>
In the past 12 months, UKTI has supported 29 companies in Thirsk Malton and Filey.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/88", "label" : {"_value" : "Biography information for Sir Michael Fallon"}
}
, "answeringMemberConstituency" : {"_value" : "Sevenoaks"}
, "answeringMemberPrinted" : {"_value" : "Michael Fallon"}
, "dateOfAnswer" : {"_value" : "2014-07-10", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-07-10T13:44:26.4992744Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2014-07-03", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Exports"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what assistance his Department provides to help small rural businesses to export; and if he will make a statement.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/384", "label" : {"_value" : "Biography information for Baroness McIntosh of Pickering"}
}
, "tablingMemberConstituency" : {"_value" : "Thirsk and Malton"}
, "tablingMemberPrinted" : [{"_value" : "Miss Anne McIntosh"}
], "uin" : "203921"}
, {"_about" : "http://data.parliament.uk/resources/65639", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/65639/answer", "answerText" : {"_value" : "
The UK Cyber Security Strategy, published in November 2011, sets out how the UK will support economic prosperity, protect national security and safeguard the public's way of life by building a more trusted and resilient digital environment. A £860 million National Cyber Security Programme is in place to 2016 to deliver the objectives of the strategy. These objectives include making the UK one of the most secure places in the world to do business in cyberspace, and making the UK more resilient to cyber attack and better able to protect our interests in cyberspace.<\/p>
Government is working closely with industry to address the threat and impact of cyber attacks. These measures include:<\/p>
o Creating a National Computer Emergency Response Team, CERT UK which works closely with industry, Government and academia to enhance UK cyber resilience. It provides support to Critical National Infrastructure companies to handle cyber security incidents. The Cyber Security Information Sharing Partnership (CISP), part of CERT UK, enables companies to share information and intelligence on cyber security threats.<\/p>
o The creation of a Government approved list of Cyber Incident \u2018Clean Up' companies which can help companies respond effectively to incidents and get them up and running as soon as possible.<\/p>
o Advice and guidance resources including the '10 Steps to Cyber Security' guidance, the CyberStreetwise behaviour change campaign www.cyberstreetwise.com<\/a> and the Government and industry funded GetSafeOnline www.getsafeonline.org<\/a>.<\/p>o The Government-backed and industry approved Cyber Essentials scheme, which enables businesses to certify themselves against core technical cyber requirements and implement a basic level of cyber hygiene against cyber threats.<\/p>
o Practical support for small businesses with the Cyber Security Innovation Vouchers Scheme to enable individual businesses to receive £5,000 to increase their cyber security.<\/p>
o Support for industry initiatives such as Nominet's \u2018Cyber Assist' pilot service for small and medium-sized enterprises experiencing cyber attacks.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/53", "label" : {"_value" : "Biography information for Lord Willetts"}
}
, "answeringMemberConstituency" : {"_value" : "Havant"}
, "answeringMemberPrinted" : {"_value" : "Mr David Willetts"}
, "dateOfAnswer" : {"_value" : "2014-07-09", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-07-09T16:50:57.0193601Z", "_datatype" : "dateTime"}
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, "answeringDeptId" : {"_value" : "26"}
, "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
, "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
, "date" : {"_value" : "2014-07-03", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Business: Cybercrime"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
}
], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, what support and protection the Government provides to UK businesses experiencing cyber attacks.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1486", "label" : {"_value" : "Biography information for Mr David Anderson"}
}
, "tablingMemberConstituency" : {"_value" : "Blaydon"}
, "tablingMemberPrinted" : [{"_value" : "Mr David Anderson"}
], "uin" : "203893"}
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