The requirement under s. 143 of the Road Traffic Act 1988, to have in force a policy of insurance in respect of third-party liabilities, applies to the use of a motor vehicle on a road or public place. There have been no recent changes to legislation to bring airfields within the scope of public place within the meaning of the Road Traffic Act 1988.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4499", "label" : {"_value" : "Biography information for Lord Davies of Gower"} } , "answeringMemberPrinted" : {"_value" : "Lord Davies of Gower"} , "dateOfAnswer" : {"_value" : "2024-01-25", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2024-01-25T13:18:05.307Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "27"} , "answeringDeptShortName" : {"_value" : "Transport"} , "answeringDeptSortName" : {"_value" : "Transport"} , "date" : {"_value" : "2024-01-11", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Airports: Public Places"} , "houseId" : {"_value" : "2"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"} } ], "questionText" : "To ask His Majesty's Government whether there have been any recent changes to legislation that mean airfields are considered as public places for the purposes of the insurance requirements within the Road Traffic Act 1988.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"} } , "tablingMemberPrinted" : [{"_value" : "Earl Attlee"} ], "uin" : "HL1502"} , {"_about" : "http://data.parliament.uk/resources/1679225", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1679225/answer", "answerText" : {"_value" : "
The Consumer Credit Act 1974 (CCA) forms a key part of the regulation of the consumer credit market. Under the CCA\u2019s pre-contractual requirements, firms are required to state clearly the actual (rather than representative) APR in credit agreements.<\/p>
<\/p>
The Financial Conduct Authority (FCA) has a range of supervisory tools to identify non-compliance with relevant rules, including proactive assessments, responding to reports and complaints, and conducting thematic reviews of particular sectors. As an independent regulator, it is for the FCA to make decisions on how it supervises firms and enforces its rules.<\/p>
<\/p>
More broadly, the government is committed to working with the FCA to deliver a well-functioning and sustainable consumer credit market which meets consumers\u2019 needs. As part of this, the government is reforming the CCA. Working closely with the FCA, it will be considering how reform can enhance consumer understanding of credit products and credit agreements, leading to improved customer outcomes.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4580", "label" : {"_value" : "Biography information for Baroness Vere of Norbiton"} } , "answeringMemberPrinted" : {"_value" : "Baroness Vere of Norbiton"} , "dateOfAnswer" : {"_value" : "2023-12-21", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "HL1319"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2023-12-21T14:30:59.057Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2023-12-19", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Loans: 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, further to the Written Answer by Baroness Vere of Norbiton on 30 November 2023 (HL457), what assessment they have made of whether the Financial conduct Authority can have confidence that lenders are correctly charging the advertised Annual Percentage Rates (APR) if they do not undertake spot checks.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"} } , "tablingMemberPrinted" : [{"_value" : "Earl Attlee"} ], "uin" : "HL1318"} , {"_about" : "http://data.parliament.uk/resources/1679226", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1679226/answer", "answerText" : {"_value" : "
The Consumer Credit Act 1974 (CCA) forms a key part of the regulation of the consumer credit market. Under the CCA\u2019s pre-contractual requirements, firms are required to state clearly the actual (rather than representative) APR in credit agreements.<\/p>
<\/p>
The Financial Conduct Authority (FCA) has a range of supervisory tools to identify non-compliance with relevant rules, including proactive assessments, responding to reports and complaints, and conducting thematic reviews of particular sectors. As an independent regulator, it is for the FCA to make decisions on how it supervises firms and enforces its rules.<\/p>
<\/p>
More broadly, the government is committed to working with the FCA to deliver a well-functioning and sustainable consumer credit market which meets consumers\u2019 needs. As part of this, the government is reforming the CCA. Working closely with the FCA, it will be considering how reform can enhance consumer understanding of credit products and credit agreements, leading to improved customer outcomes.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4580", "label" : {"_value" : "Biography information for Baroness Vere of Norbiton"} } , "answeringMemberPrinted" : {"_value" : "Baroness Vere of Norbiton"} , "dateOfAnswer" : {"_value" : "2023-12-21", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "HL1318"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2023-12-21T14:30:59.003Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2023-12-19", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Loans: 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, further to the Written Answer by Baroness Vere of Norbiton on 30 November 2023 (HL457), what assessment they have made of the ability of the average borrower to compare the representative Annual Percentage Rates (APR) with the actual APR offered in the pre-contract information required to be given under the Consumer Credit Act 1974.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"} } , "tablingMemberPrinted" : [{"_value" : "Earl Attlee"} ], "uin" : "HL1319"} , {"_about" : "http://data.parliament.uk/resources/1679279", "AnsweringBody" : [{"_value" : "Cabinet Office"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1679279/answer", "answerText" : {"_value" : "
The average (mean) salary of a minister of the crown in the House of Lords, including unpaid ministers and excluding accommodation and travel allowances, is £41,490.26.<\/p>
<\/strong><\/p> Ministerial salaries are payable under the Ministerial and Other Salaries Act 1975. Details of the salaries and allowances currently paid to Ministers at different ranks can be found at the following link: https://www.gov.uk/government/publications/ministerial-salary-data<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4284", "label" : {"_value" : "Biography information for Baroness Neville-Rolfe"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Neville-Rolfe"}
, "dateOfAnswer" : {"_value" : "2024-01-05", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2024-01-05T11:18:26Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "53"}
, "answeringDeptShortName" : {"_value" : "Cabinet Office"}
, "answeringDeptSortName" : {"_value" : "Cabinet Office"}
, "date" : {"_value" : "2023-12-19", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "House of Lords: Ministers"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government, further to the Written Answer by\u202fBaroness Neville-Rolfe\u202fon 19 December 2023 (HL856), what is the average annual salary of a minister of the crown in the House of Lords, including unpaid ministers and excluding accommodation and travel allowances.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"}
}
, "tablingMemberPrinted" : [{"_value" : "Earl Attlee"}
], "uin" : "HL1320"}
, {"_about" : "http://data.parliament.uk/resources/1675689", "AnsweringBody" : [{"_value" : "Cabinet Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1675689/answer", "answerText" : {"_value" : " There are no current plans to amend the legislation governing ministerial salaries.<\/p> Ministerial salaries are constrained by the Ministerial and other Salaries Act which sets cumulative limits on the total number of salaries that can be allocated to ministers.<\/p> Under successive governments a small number of ministers across the Commons and the Lords have been unpaid. The distribution of salaries between ministers in the House of Commons and the House of Lords is a matter for the Prime Minister, who is responsible for the overall organisation of the Executive.<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4284", "label" : {"_value" : "Biography information for Baroness Neville-Rolfe"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Neville-Rolfe"}
, "dateOfAnswer" : {"_value" : "2023-12-19", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2023-12-19T13:52:22.587Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "53"}
, "answeringDeptShortName" : {"_value" : "Cabinet Office"}
, "answeringDeptSortName" : {"_value" : "Cabinet Office"}
, "date" : {"_value" : "2023-12-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "House of Lords: Ministers"}
, "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 amend the Ministerial and Other Salaries Order 2008 to ensure that holding ministerial office in the House of Lords is not predicated on access to a private income in order to maintain a standard of living commensurate with those roles and responsibilities.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"}
}
, "tablingMemberPrinted" : [{"_value" : "Earl Attlee"}
], "uin" : "HL856"}
, {"_about" : "http://data.parliament.uk/resources/1673768", "AnsweringBody" : [{"_value" : "Cabinet Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1673768/answer", "answerText" : {"_value" : " The Cabinet Office does not maintain a central database of sections of Acts of Parliament that have not been commenced. Details of all Acts of Parliament that have received Royal Assent, including their commencement status, are publicly available at legislation.gov.uk.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4284", "label" : {"_value" : "Biography information for Baroness Neville-Rolfe"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Neville-Rolfe"}
, "dateOfAnswer" : {"_value" : "2023-12-12", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2023-12-12T16:43:18.243Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "53"}
, "answeringDeptShortName" : {"_value" : "Cabinet Office"}
, "answeringDeptSortName" : {"_value" : "Cabinet Office"}
, "date" : {"_value" : "2023-11-28", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Legislation"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask His Majesty's Government which sections of which Acts of Parliament that have received Royal Assent since May 2010 have not been commenced by Ministers.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3425", "label" : {"_value" : "Biography information for Earl Attlee"}
}
, "tablingMemberPrinted" : [{"_value" : "Earl Attlee"}
], "uin" : "HL645"}
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}