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To ask the Chancellor of the Exchequer, with reference to HM Revenue and Customs' press release entitled Government backs high street with acceleration of cheap import reforms and crackdown on dodgy online sellers, published on 23 June 2026, what assessment she has made of the potential impact of the reforms...
To ask the Chancellor of the Exchequer, with reference to HM Revenue and Customs' press release entitled Government backs high street with acceleration of cheap import reforms and crackdown on dodgy online sellers, published on 23 June 2026, what assessment she has made of the potential impact of the reforms...
Tax Update 2026 saw the announcement of a number of measures to simplify, modernise, and increase fairness in the tax and customs system. This included measures to support high streets such as the acceleration of reforms to the customs treatment of low value imports and the consultation on the extension of the VAT online marketplace liability.
The customs treatment of low value imports will support a business environment of fair competition between high street and online retailers, and monitoring and evaluation of the policy will be part of final policy design considerations.
The consultation on the extension of current rules for VAT online marketplace liability is only seeking views at this stage. Any future policy decision on reform will be taken in the round and announced at the Budget in the usual way, including consideration of impacts on consumer prices.
Bringing down inflation and easing the cost of living remains a priority for this Government. Following reforms to the customs treatment of low value imports, UK consumers will still have access to a range of affordable goods –means that a t-shirt from an online retailer will pay the same duties and face equivalent controls as one imported in bulk and sold by a high street retailer.
It is in the national interest that all businesses, regardless of how they sell goods to UK consumers, pay the right tariffs to access our advanced and dynamic market and these steps will ensure that. Inflation assessments indicates that this clampdown would have a negligible impact on headline inflation.
To ask His Majesty's Government what assessment they have made of the adequacy of the regulatory framework governing the use of artificial intelligence models to provide personalised financial guidance to consumers.
To ask His Majesty's Government what assessment they have made of the adequacy of the regulatory framework governing the use of artificial intelligence models to provide personalised financial guidance to consumers.
The Government wants consumers to be able to access high-quality support to make informed decisions about their finances and is committed to the safe adoption of AI in financial services, including financial guidance and advice. We support a principles-based, outcomes-focused approach to AI regulation enabling firms to innovate while maintaining high standards of consumer protection.
We recognise that general-purpose AI technology has already changed the nature of financial advice and guidance.
Earlier this month, the Financial Conduct Authority published the Mills Review, which recommended a rapid FCA review on this issue.
On 14 July, the Government published the Financial Services AI Champions’ Adoption Plan, this includes a recommendation that the FCA should consider the impacts of financial guidance and advice-like outputs through general purpose large language models (LLMs).
The Government will engage with the FCA to consider next steps. This will be an important piece of work that complements the Government’s broader ambition to make the UK a global leader in AI, leveraging our dual strengths in financial services and AI to drive growth, productivity and better outcomes for consumers.
To ask the Chancellor of the Exchequer, what assessment she has made of the potential impact of credit hire vehicle costs on motor insurance premiums for consumers.
To ask the Chancellor of the Exchequer, what assessment she has made of the potential impact of credit hire vehicle costs on motor insurance premiums for consumers.
The cross-government Motor Insurance Taskforce published its final report in December 2025, setting out actions being taken by government, regulators and industry to help reduce premium costs. The Financial Conduct Authority's (FCA) 2025 review of motor insurance claims costs helped inform this work.
The Taskforce’s report considered the contribution of replacement vehicle costs, including credit hire, to wider motor insurance claims costs and identified actions to reduce those costs. This includes work by the FCA, the Association of British Insurers, and insurers to improve the handling of claims, reduce referrals to third parties and ensure that credit hire costs are fair for consumers.
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of the El Niño weather event on the cost of food for British consumers.
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of the El Niño weather event on the cost of food for British consumers.
We are aware of the potential impact that an El Niño can have on global agricultural production and therefore the price of food in the UK. There remains considerable uncertainty about its impact at this stage. We will continue to monitor the situation.
To ask the Chancellor of the Exchequer, what estimate her Department has made of the potential impact of including fresh bananas in the proposed list of everyday essential goods eligible for cost of living tariff suspensions on consumer costs.
To ask the Chancellor of the Exchequer, what estimate her Department has made of the potential impact of including fresh bananas in the proposed list of everyday essential goods eligible for cost of living tariff suspensions on consumer costs.
As the Chancellor set out in her statement to the House on 24 March, she has asked officials to look at where targeted reductions to agrifood tariffs can help bring down food prices for consumers, balancing this against the implications for domestic producers, food security and other Government objectives. To assess the potential impact of the proposed tariff suspensions, announced on 21 May, the government invited the public and industry to respond to a call for input. This call for input closed on 24 June, and HM Treasury is working with relevant departments to carefully consider the evidence provided.
To ask the Chancellor of the Exchequer, what evidential basis informed the conclusion that the Lifetime ISA was not effective; whether external research, behavioural analysis and consumer testing informed that conclusion; whether an evidence review has been completed; and if she will publish the evidence underpinning the proposed First Time...
To ask the Chancellor of the Exchequer, what evidential basis informed the conclusion that the Lifetime ISA was not effective; whether external research, behavioural analysis and consumer testing informed that conclusion; whether an evidence review has been completed; and if she will publish the evidence underpinning the proposed First Time...
On 23 June the Government published a consultation on the implementation of the First-Time Buyer ISA (FTB ISA), further details of which can be found at www.gov.uk/government/consultations/first-time-buyer-isa-consultation. The consultation sets out why we are looking to replace the Lifetime ISA (LISA), citing evidence from HMRC’s own publicly available figures and research as well as from the Treasury Select Committee’s report on the LISA.
The consultation also confirmed that until the new product is offered it will be possible to open a LISA, and that existing LISA holders will continue to be able to use their accounts in line with the existing rules.
Individuals will be able to hold both the new FTB ISA and an existing LISA, but will only be able to save into one in the same tax year. To ensure that current holders of the LISA do not lose out, LISA holders will be able to use any funds in their existing LISA and those in the new FTB ISA for the same purchase.
The property price cap, bonus level and subscription limit of the new First Time Buyer ISA will be set at a future fiscal event. Regardless of where the property price cap is set, the FTB ISA, LISA and Help to Buy ISA cap will be aligned so that no account holders will lose out.
Data from the latest UK House Price Index shows that the average price paid by first-time buyers remains below the Lifetime ISA property price cap in all regions of the UK except London, where the average price paid is affected by some boroughs with very high property values. This does not exclude prospective purchasers, who are still able to use the LISA on homes within the price cap. The Treasury Select Committee has said that the property price cap of £450,000 on the LISA ensures that the support goes to people who need it most.
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of management firms misrepresenting themselves as insurers when contacting consumers following road traffic accidents on consumers; and whether she has discussed this practice with the Solicitors Regulation Authority.
To ask the Chancellor of the Exchequer, what assessment her Department has made of the potential impact of management firms misrepresenting themselves as insurers when contacting consumers following road traffic accidents on consumers; and whether she has discussed this practice with the Solicitors Regulation Authority.
The Government expects motorists to be treated fairly when making insurance claims. The Financial Conduct Authority (FCA) is the independent regulator responsible for regulating insurers and certain claims management activities. The FCA’s rules require firms’ communications and financial promotions to be clear, fair, and not misleading.
Under the Financial Services and Markets Act 2000 (FSMA), Parliament sets the regulators’ statutory objectives, duties and accountability mechanisms, providing clear roles for government, Parliament, independent regulators and firms. The Government considers that this model gives regulators the powers and flexibility to respond to market practices and take action where firms fall short.
Where claims management activity is carried out by solicitors of law firms, this is regulated by the Solicitors Regulation Authority (SRA). The Ministry of Justice leads on matters relating to legal services regulation. The FCA works closely with other regulators, including the SRA, the Information Commissioner's Office and the Advertising Standards Authority, to tackle misleading advertising and poor practices where these fall within their respective remits.
Letter dated 13/07/2026 from Lord Stockwood of Great Grimsby and Cleethorpes to Baroness Tyler of Enfield regarding the Financial Conduct Authority's (FCA) Consumer Duty and what it means for financial inclusion, as discussed during the Committee stage (third day) of the Financial Services and Markets Bill. 4p.
Letter dated 13/07/2026 from Lord Stockwood of Great Grimsby and Cleethorpes to Baroness Tyler of Enfield regarding the Financial Conduct Authority's (FCA) Consumer Duty and what it means for financial inclusion, as discussed during the Committee stage (third day) of the Financial Services and Markets Bill. 4p.
Lords committee stage sixth day. Clauses 39 to 53 agreed to. Bill reported without amendment.
Lords committee stage sixth day. Clauses 39 to 53 agreed to. Bill reported without amendment.
My Lords, our amendments in this group concern the future of the bank ring-fencing regime. I will start by setting out clearly the position that we have reached as the Official Opposition. Through our diagnostic work, we have found a consensus that the bank ring-fencing regime is no longer fit...
My Lords, our amendments in this group concern the future of the bank ring-fencing regime. I will start by setting out clearly the position that we have reached as the Official Opposition. Through our diagnostic work, we have found a consensus that the bank ring-fencing regime is no longer fit...
My Lords, if I may respond to that, I had thought until recently that what we were debating was a response to the Skeoch commission established by the last Government, but we have new amendments now, it seems—Amendment 160A and the abandonment of clauses—that are really throwing ring-fencing out. I...
My Lords, if I may respond to that, I had thought until recently that what we were debating was a response to the Skeoch commission established by the last Government, but we have new amendments now, it seems—Amendment 160A and the abandonment of clauses—that are really throwing ring-fencing out. I...
In Committee, it is normal to address the amendments and not opposition parties’ policy documents.
In Committee, it is normal to address the amendments and not opposition parties’ policy documents.
The amendment has been put to us at the last minute. The points that it relates to have been there for weeks, indeed months, but I would argue that what has triggered the amendment is the speech by the leader of the Conservative Party and the policy document that underpins...
The amendment has been put to us at the last minute. The points that it relates to have been there for weeks, indeed months, but I would argue that what has triggered the amendment is the speech by the leader of the Conservative Party and the policy document that underpins...
I rise to speak to the Motion that Clause 40 does not stand part. As I explained at Second Reading, I have no professional knowledge of the banking industry but, because of circumstances, for more than 14 years I have been in this Room talking about the finance industry and...
I rise to speak to the Motion that Clause 40 does not stand part. As I explained at Second Reading, I have no professional knowledge of the banking industry but, because of circumstances, for more than 14 years I have been in this Room talking about the finance industry and...
I support Amendment 160A. I want to start by briefly addressing a couple of issues raised by the noble Lord, Lord Pitt-Watson. Most importantly, I want briefly to quote the conclusions of the Skeoch report. The panel judges that the ring-fence
“is worth retaining at present”
but adds a number of considerations:
“The...
I support Amendment 160A. I want to start by briefly addressing a couple of issues raised by the noble Lord, Lord Pitt-Watson. Most importantly, I want briefly to quote the conclusions of the Skeoch report. The panel judges that the ring-fence
“is worth retaining at present”
but adds a number of considerations:
“The...
I did indeed talk to senior members of the Skeoch commission before writing my speech, and what I said is completely consistent with the conclusions of the Skeoch commission, which was set up by the previous Conservative Government, as I said.
I did indeed talk to senior members of the Skeoch commission before writing my speech, and what I said is completely consistent with the conclusions of the Skeoch commission, which was set up by the previous Conservative Government, as I said.
I am just reading the conclusions from the report, my Lords. They make it very clear that the continuation of ring-fencing made sense at the time the report was written, but the commission clearly envisaged that it might not be needed over the passage of time. I also remind noble...
I am just reading the conclusions from the report, my Lords. They make it very clear that the continuation of ring-fencing made sense at the time the report was written, but the commission clearly envisaged that it might not be needed over the passage of time. I also remind noble...
I find it difficult to believe that someone has told me that the withdrawal of Glass-Steagall, which took place 13 years before the global financial crisis, had no detriment to the American banking system. As I say, I have read the Skeoch report and discussed it with senior members of...
I find it difficult to believe that someone has told me that the withdrawal of Glass-Steagall, which took place 13 years before the global financial crisis, had no detriment to the American banking system. As I say, I have read the Skeoch report and discussed it with senior members of...
I also draw attention to the abolition of FOS, which the noble Lord mentioned. I draw the Committee’s attention to Amendment 172A, which discusses the changes proposed to FOS. It is to be abolished and replaced with something called the financial adjudication service, which is a broadly similar methodology to...
I also draw attention to the abolition of FOS, which the noble Lord mentioned. I draw the Committee’s attention to Amendment 172A, which discusses the changes proposed to FOS. It is to be abolished and replaced with something called the financial adjudication service, which is a broadly similar methodology to...