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To ask the Chancellor of the Exchequer, if she will take steps to help people with CIFAS markers to access banking facilities to enable them to receive (a) wages and (b) welfare payments.
To ask the Chancellor of the Exchequer, if she will take steps to help people with CIFAS markers to access banking facilities to enable them to receive (a) wages and (b) welfare payments.
CIFAS, the UK’s fraud prevention service, plays a vital role in protecting individuals and the financial system from fraud and financial crime. Its work supports the Government’s broader efforts to tackle fraud and maintain trust in the financial system.
The Government also recognises the importance of ensuring that individuals can access banking services to receive wages and welfare payments. Where individuals face barriers when accessing banking services, alternative options may be available. The nine largest personal current account providers in the UK are legally required to offer basic bank accounts to customers who do not have a bank account or are not eligible for a standard current account. These accounts are fee-free and provide essential banking services, though they do not include overdrafts or cheque books. Beyond the high street banks, other options for people to make and receive payments may include payment and electronic money institutions.
If someone with a CIFAS marker wishes to further understand the information that CIFAS holds against them, they may wish to make a Data Subject Access Request (DSAR) to CIFAS
Furthermore, if an individual believes that a CIFAS marker has been incorrectly assigned, they should first raise it with the organisation that recorded it to the CIFAS database for them to review. If the organisation does not remove the marker then the individual can reach out directly to CIFAS following the process outlined in its complaints procedure.
To ask the Secretary of State for the Home Department, what estimate she has made of the number of individuals who are wrongly flagged by CIFAS each year; and what steps she has taken to prevent such errors.
To ask the Secretary of State for the Home Department, what estimate she has made of the number of individuals who are wrongly flagged by CIFAS each year; and what steps she has taken to prevent such errors.
Services like CIFAS (Credit Information Fraud Avoidance Service) play a crucial role in safeguarding against financial fraud, supporting the government’s broader efforts to protect individuals and businesses from these crimes.
CIFAS is a not-for-profit organisation that facilitates fraud prevention by providing a platform for financial institutions to share information about potential fraud risks. When a financial institution suspects fraudulent activity, they can register a "marker" against a customer's credit report on the National Fraud Database, which is managed by CIFAS. As stated on their website, the markers themselves are not created by CIFAS, but rather by the financial institutions who suspect fraud. CIFAS only provides the infrastructure for these markers to be registered and accessed by other members.
Individuals affected by CIFAS markers have the right to challenge and seek removal of incorrect or unjustified markers. Individuals can do that by submitting a Data Subject Access Request (DSAR) to obtain details of the marker and can then contact the organisation that applied the marker to request evidence and removal if necessary. If the organisation denies the request, CIFAS provides an independent review within 14 days, with further options available through the Financial Ombudsman service.
The Home Office has not assessed the number of individuals incorrectly flagged by CIFAS as it does not hold this information.
To ask the Secretary of State for the Home Department, what assessment her Department has made of the potential impact of incorrectly applied CIFAS fraud markers on (a) small business owners and (b) sole traders.
To ask the Secretary of State for the Home Department, what assessment her Department has made of the potential impact of incorrectly applied CIFAS fraud markers on (a) small business owners and (b) sole traders.
Services like CIFAS (Credit Information Fraud Avoidance Service) play a crucial role in safeguarding against financial fraud, supporting the government’s broader efforts to protect individuals and businesses from these crimes.
CIFAS is a not-for-profit organisation that facilitates fraud prevention by providing a platform for financial institutions to share information about potential fraud risks. When a financial institution suspects fraudulent activity, they can register a "marker" against a customer's credit report on the National Fraud Database, which is managed by CIFAS. As stated on their website, the markers themselves are not created by CIFAS, but rather by the financial institutions who suspect fraud. CIFAS only provides the infrastructure for these markers to be registered and accessed by other members.
Individuals affected by CIFAS markers have the right to challenge and seek removal of incorrect or unjustified markers. Individuals can do that by submitting a Data Subject Access Request (DSAR) to obtain details of the marker and can then contact the organisation that applied the marker to request evidence and removal if necessary. If the organisation denies the request, CIFAS provides an independent review within 14 days, with further options available through the Financial Ombudsman service.
The Home Office has not assessed the number of individuals incorrectly flagged by CIFAS as it does not hold this information.
To ask the Chancellor of the Exchequer, what steps her Department is taking to ensure the effectiveness of the (a) regulatory oversight and (b) accountability of Cifas.
To ask the Chancellor of the Exchequer, what steps her Department is taking to ensure the effectiveness of the (a) regulatory oversight and (b) accountability of Cifas.
The Credit Industry Fraud Avoidance Scheme (CIFAS) is the UK’s fraud prevention service. Services like CIFAS play a crucial role in safeguarding against financial fraud, supporting the Government’s broader efforts to protect individuals and businesses from these crimes.
When a financial institution suspects fraudulent activity, they can register a "marker" against a customer's credit report on the National Fraud Database, which is managed by CIFAS. As stated on their website, the markers themselves are not created by CIFAS, but rather by the financial institutions who suspect fraud. CIFAS only provides the infrastructure for these markers to be registered and accessed by other members.
We do not have plans to introduce statutory requirements for financial firms to notify people when a CIFAS marker has been assigned. If an individual believes that a CIFAS marker has been incorrectly assigned, they should first raise it with the organisation that recorded it to the CIFAS database for them to review. If they do not remove the marker then the individual can go directly to CIFAS. The individual can also apply to have a further review conducted by the Financial Ombudsman Service (FOS).
The Treasury has not assessed the potential merits of bringing CIFAS under the regulatory remit of the Financial Conduct Authority.
To ask the Chancellor of the Exchequer, whether she plans to introduce statutory requirements for financial institutions to (a) notify people when a Cifas fraud marker is placed against them and (b) ensure access to an independent appeals process.
To ask the Chancellor of the Exchequer, whether she plans to introduce statutory requirements for financial institutions to (a) notify people when a Cifas fraud marker is placed against them and (b) ensure access to an independent appeals process.
The Credit Industry Fraud Avoidance Scheme (CIFAS) is the UK’s fraud prevention service. Services like CIFAS play a crucial role in safeguarding against financial fraud, supporting the Government’s broader efforts to protect individuals and businesses from these crimes.
When a financial institution suspects fraudulent activity, they can register a "marker" against a customer's credit report on the National Fraud Database, which is managed by CIFAS. As stated on their website, the markers themselves are not created by CIFAS, but rather by the financial institutions who suspect fraud. CIFAS only provides the infrastructure for these markers to be registered and accessed by other members.
We do not have plans to introduce statutory requirements for financial firms to notify people when a CIFAS marker has been assigned. If an individual believes that a CIFAS marker has been incorrectly assigned, they should first raise it with the organisation that recorded it to the CIFAS database for them to review. If they do not remove the marker then the individual can go directly to CIFAS. The individual can also apply to have a further review conducted by the Financial Ombudsman Service (FOS).
The Treasury has not assessed the potential merits of bringing CIFAS under the regulatory remit of the Financial Conduct Authority.
To ask the Chancellor of the Exchequer, whether she has made an assessment of the potential merits of bringing Cifas under the regulatory remit of the Financial Conduct Authority.
To ask the Chancellor of the Exchequer, whether she has made an assessment of the potential merits of bringing Cifas under the regulatory remit of the Financial Conduct Authority.
The Credit Industry Fraud Avoidance Scheme (CIFAS) is the UK’s fraud prevention service. Services like CIFAS play a crucial role in safeguarding against financial fraud, supporting the Government’s broader efforts to protect individuals and businesses from these crimes.
When a financial institution suspects fraudulent activity, they can register a "marker" against a customer's credit report on the National Fraud Database, which is managed by CIFAS. As stated on their website, the markers themselves are not created by CIFAS, but rather by the financial institutions who suspect fraud. CIFAS only provides the infrastructure for these markers to be registered and accessed by other members.
We do not have plans to introduce statutory requirements for financial firms to notify people when a CIFAS marker has been assigned. If an individual believes that a CIFAS marker has been incorrectly assigned, they should first raise it with the organisation that recorded it to the CIFAS database for them to review. If they do not remove the marker then the individual can go directly to CIFAS. The individual can also apply to have a further review conducted by the Financial Ombudsman Service (FOS).
The Treasury has not assessed the potential merits of bringing CIFAS under the regulatory remit of the Financial Conduct Authority.
To ask the Secretary of State for the Home Department, what proportion of cases referred to Cifas in 2021 resulted in a police investigation.
To ask the Secretary of State for the Home Department, what proportion of cases referred to Cifas in 2021 resulted in a police investigation.
The Home Office collects information on the number of fraud offences that the NFIB refer to police forces for investigation and on the investigative outcomes recorded by the police.
This data is published annually as part of the Home Office’s ‘Crime Outcomes in England and Wales’ publication. This provides information on all fraud cases referred to the police for investigation and their outcomes, but we cannot separately identify those reported from different bodies in the data that we hold centrally. The latest available data for the year ending March 2022 can be found be here:
Crime outcomes in England and Wales 2021 to 2022 - GOV.UK (www.gov.uk)
To ask the Secretary of State for the Home Department, how many incidents of fraud were referred to Cifas in each year since 2016 inclusive.
To ask the Secretary of State for the Home Department, how many incidents of fraud were referred to Cifas in each year since 2016 inclusive.
The Home Office collects information on the number of fraud offences that the NFIB refer to police forces for investigation and on the investigative outcomes recorded by the police.
This data is published annually as part of the Home Office’s ‘Crime Outcomes in England and Wales’ publication. This provides information on all fraud cases referred to the police for investigation and their outcomes, but we cannot separately identify those reported from different bodies in the data that we hold centrally. The latest available data for the year ending March 2022 can be found be here:
Crime outcomes in England and Wales 2021 to 2022 - GOV.UK (www.gov.uk)
To ask the Secretary of State for the Home Department, what the timetable is for information to be provided to his Department by Cifas for immigration enforcement.
To ask the Secretary of State for the Home Department, what the timetable is for information to be provided to his Department by Cifas for immigration enforcement.
The Home Office updates the list of disqualified persons shared with Cifas for the purpose of the 2014 and 2016 Acts on a weekly basis, and banks and building societies refer to this data when checking applications for new accounts and reviewing existing accounts.
The Home Office set up a mechanism to enable financial organisations to report, on a voluntary basis at any time, new information on other financial product applications to Home Office intelligence teams.
To ask the Secretary of State for the Home Department, what relationship the Government has with (a) Cifas and (b) other fraud prevention organisations; and what steps the Government has taken to regulate the operation of such organisations.
To ask the Secretary of State for the Home Department, what relationship the Government has with (a) Cifas and (b) other fraud prevention organisations; and what steps the Government has taken to regulate the operation of such organisations.
The Joint Fraud Taskforce is a collaboration between Government, the financial sector, law enforcement, and civil society, which is working collectively to tackle fraud. CIFAS, alongside other fraud prevention bodies, such as Financial Fraud Action UK, are key members of the Taskforce, sitting on both the Management Board and Home Secretary Chaired Oversight Board.
Membership of the Taskforce is non-compulsory, although at its launch, the most senior members committed to work in partnership to help protect the public from becoming victims of fraud and fraud scams, maximising opportunities to stop fraudsters from operating, and to catch and prosecute those who commit fraud
CIFAS is also listed as a Specified Anti Fraud Organisation (SAFO) under the Serious Crime Act 2007, and as such CIFAS’s policies and processes are audited by the Information Commissioners Office every two years.
My Lords, the Government recognise and welcome the benefits that migrants bring to our country. However, they also recognise the need to deter people from attempting to enter the country unlawfully and to ensure that those who are here illegally are encouraged to leave. As part of the Government’s reform...
My Lords, the Government recognise and welcome the benefits that migrants bring to our country. However, they also recognise the need to deter people from attempting to enter the country unlawfully and to ensure that those who are here illegally are encouraged to leave. As part of the Government’s reform...
My Lords, the Opposition will not in any way oppose these three statutory instruments, but we have some small questions. The impact assessment created more questions than it answered. First, how many people will be impacted by these regulations? The impact assessment states, I think, that there are 60,000 disqualified...
My Lords, the Opposition will not in any way oppose these three statutory instruments, but we have some small questions. The impact assessment created more questions than it answered. First, how many people will be impacted by these regulations? The impact assessment states, I think, that there are 60,000 disqualified...
My Lords, I am grateful to the noble Lord, Lord Tunnicliffe, for his support for these regulations. He asked how many people are likely to be affected by them. The impact assessment has made an estimate of approximately 2,000 people. As it happens, it is estimated that, in 2013, almost...
My Lords, I am grateful to the noble Lord, Lord Tunnicliffe, for his support for these regulations. He asked how many people are likely to be affected by them. The impact assessment has made an estimate of approximately 2,000 people. As it happens, it is estimated that, in 2013, almost...
In 2000, as I think the Minister has just quoted, this scheme was not in place, so I assume that those 2,000 people were refused for other reasons, such as their creditworthiness, or as potential launderers, or whatever. It was nothing to do with their being asylum seekers, as I...
In 2000, as I think the Minister has just quoted, this scheme was not in place, so I assume that those 2,000 people were refused for other reasons, such as their creditworthiness, or as potential launderers, or whatever. It was nothing to do with their being asylum seekers, as I...
Not with being an asylum seeker; but banks that were already signed up to CIFAS were already, before this legislation, as a matter of course, referring to CIFAS as regards whether a person was an illegal immigrant. The banks that were doing that already were refusing about 2,000 current accounts...
Not with being an asylum seeker; but banks that were already signed up to CIFAS were already, before this legislation, as a matter of course, referring to CIFAS as regards whether a person was an illegal immigrant. The banks that were doing that already were refusing about 2,000 current accounts...
Lords motions to consider. Agreed to on question.
Lords motions to consider. Agreed to on question.
Departmental minute: Charity Commission. Departmental contingent liability notification. 2 p.
Departmental minute: Charity Commission. Departmental contingent liability notification. 2 p.
My honourable friend the Minister for Civil Society (Nick Hurd) has made the following Written Ministerial Statement.
It is normal practice, when a Government department proposes to undertake a contingent liability in excess of £300,000 for which there is no specific statutory authority, for the department concerned to present to Parliament...
My honourable friend the Minister for Civil Society (Nick Hurd) has made the following Written Ministerial Statement.
It is normal practice, when a Government department proposes to undertake a contingent liability in excess of £300,000 for which there is no specific statutory authority, for the department concerned to present to Parliament...