House Of Commons Business Innovation And Skills Committee Payday Loans Hc 789
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House Of Commons Business Innovation And Skills Committee Payday Loans Hc 789
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Author : Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2013-12-20
House Of Commons Business Innovation And Skills Committee Payday Loans Hc 789 written by Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-12-20 with Business & Economics categories.
The rapid expansion of the payday loan sector has been accompanied by a significant increase in the number of people experiencing serious debt problems which suggests people should think carefully before taking out such loans. Furthermore the number of payday loan adverts seen by 4-15 year olds has increased from 3 million in 2008 to 596 million in 2012. The Committee's recommendations include: all payday loan companies should be required to resubmit their affordability tests to the FCA for approval before they can continue in the sector and the FCA should make clear that if real-time data sharing has not been established by July 2014 it will mandate its use as a condition of trading in the sector; a limit should be set of one roll-over per payday loan; Payday lenders should be required to give 3 working days notice before using a continuous payment authority [CPA] and each notice should set out the right of a customer to cancel the CPA; the FCA should discuss with the Information Commissioners Office how texts on payday loans could be disaggregated to identify the extent of bad practice and if this evidence base demonstrates inappropriate targeting or marketing, the FCA should move to ban all brokering of payday loans through email, texts and other personal mobile devices; when payday loans come under the authority of the FCA, they will be subject to a levy which should be ring fenced by the Money Advice Service solely for the funding of front-line debt advice services
Hc 470 Building Public Engagement Options For Developing Select Committee Outreach
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Author : Great Britain. Parliament. House of Commons. Liaison Committee
language : en
Publisher: The Stationery Office
Release Date : 2015
Hc 470 Building Public Engagement Options For Developing Select Committee Outreach written by Great Britain. Parliament. House of Commons. Liaison Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Political Science categories.
In 2012 the House of Commons introduced a new 'core task' for all select committees that focused on public engagement as a distinctive and explicit factor of their work. This report focuses on how the select committees have responded to the new core task. Three core conclusions emerged: a) there has been a significant shift within the select committee system to taking public engagement seriously and this is reflected in many examples of innovation; b) this shift, however, has not been systematic and levels of public engagement vary significantly from committee to committee; and c) a more vibrant and systematic approach to public engagement is urgently needed but this will require increased resources, a deeper appreciation of the distinctive contribution that select committees can make and a deeper cultural change at Westminster. This report therefore details innovations in relation to the use of social media, the structure of inquiries and innovative outreach. Public engagement has not yet been fully embedded into the culture of parliament but there is evidence of significant 'cracks and wedges' that can now be built-upon and extended during the 2015-20 Parliament. Clearly the focus of the committee and the topic of the inquiry will have some bearing on the approach to engagement adopted but a more expansive and ambitious approach across the board is to be encouraged. This report leads to a ten-point set of inter-related recommendations but they can all be connected in the sense that the existing social research demonstrates a clear desire on the part of the public to 'do politics differently'.
House Of Commons Business Innovation And Skills Committee The Retail Sector Volume I Hc 168 I
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Author : Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2014-03-04
House Of Commons Business Innovation And Skills Committee The Retail Sector Volume I Hc 168 I written by Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-04 with Business & Economics categories.
The Committee calls for a wholesale review that goes beyond the administration of business rates to examine whether retail taxes should be based on sales rather than the rateable value of a property; whether retail needs its own system of business taxation; and how frequently revaluations should take place. In the interim, the Committee calls for a six months business rates amnesty for businesses occupying empty properties. This would go further than the 50% reduction announced in the Autumn Statement and would encourage new businesses to the High Street. The Committee also recommends that in the interim the Government review whether business rates are more appropriately linked to CPI or RPI and calls for annual increases to be linked to a 12 month average of either RPI or CPI, with a cap at 2%. This would replace the current link to a monthly snapshot of RPI. The Government should provide information on how and how much of the money allocated to the Portas Pilots is being spent. This follows concerns that much of the money allocated to the pilots has not been spent. The Government is also urged to outline the results of its latest STEM skills analysis and outline the action it will take to tackle any skills shortages. The retail sector also needs to encourage more staff to be trained at Apprenticeship Level 3 and above, and consider developing language skills to enhance the international consumers' experience
Payday Loans
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Author : Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee
language : en
Publisher:
Release Date : 2014-03-24
Payday Loans written by Great Britain: Parliament: House of Commons: Business, Innovation and Skills Committee and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-24 with Payday loans categories.
Responses from the Government and the Financial Conduct Authority to HC 789, session 2013-14 (ISBN 9780215065902)
Hc 804 Transatlantic Trade And Investment Partnership
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Author : Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2015
Hc 804 Transatlantic Trade And Investment Partnership written by Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Business & Economics categories.
The Transatlantic Trade and Investment Partnership is an ambitious attempt by the European Union and the United States to deliver a comprehensive trade and investment treaty. Negotiations between the two are currently underway and the Government hopes that an agreement can be reached by the end of 2015. The trade deal may be beneficial to the UK and EU economies but TTIP is not universally supported and the level of financial benefit to the UK is open to question. The lack of detail available on the negotiations means that it is difficult to assess which is the more accurate argument. However, this should not excuse the quality of debate which we have, on occasion, observed by campaigners and lobbyists on both sides of the argument. Everyone involved in the debate on TTIP - campaigners,lobbyists, the UK Government and the European Commission - must ensure that an evidence-based approach is at the heart of any TTIP debate. One of the key concerns about TTIP is the proposal to include Investor State Dispute Settlement (ISDS) provisions. These provisions - common in bilateral trade agreements - aim to protect foreign investors from illegal interference by the host government. However, campaigners have argued that such clauses could allow US healthcare investors to force the permanent privatisation of the NHS. Although this view has been rebutted repeatedly by the European Commission and the UK Government, until draft clauses are published, it will be difficult for them to convince those with concerns.
Hc 928 Impact Of The Closure Of City Link On Employment
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Author : Great Britain. Parliament. House of Commons. Committees on Impact of the closure of City Link on Employment
language : en
Publisher: The Stationery Office
Release Date : 2015
Hc 928 Impact Of The Closure Of City Link On Employment written by Great Britain. Parliament. House of Commons. Committees on Impact of the closure of City Link on Employment and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Business & Economics categories.
There will always be those who lose out when a company goes into administration and cannot cover all of its debts. However, the current system does not represent the appropriate balance, since those who have given secure credit to a company are cushioned from the full impact of an insolvency, because the losses are borne by those who work for a company on a self-employed basis, or as contractors or suppliers. Under the current rules it is clearly in the financial interest of a company to break the law, and ignore the statutory redundancy consultation period, if the fine for doing so is less than the cost of continuing to trade, especially since this fine will anyway be paid by the taxpayer. However, while the financial calculation is simple, ignoring the consultation period has a high human cost that appears not to have featured in the decision making process at City Link. Employees were denied a reasonable notice period in which to seek alternative employment and instead, at a time of financial uncertainty, have to pursue a court claim for lack of consultation if they wish to be compensated. While there were differences of opinion as to whether or not City Link could be made viable, and the desired level of return could be achieved, the Committees regret that Better Capital felt its investors' interests could only be protected at the expense of the future of City Link and continued employment for its workers
Breadline Britain
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Author : Stewart Lansley
language : en
Publisher: Simon and Schuster
Release Date : 2015-02-19
Breadline Britain written by Stewart Lansley and has been published by Simon and Schuster this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-19 with Social Science categories.
Poverty in Britain is at post-war highs and - even with economic growth -is set to increase yet further. Food bank queues are growing, levels of severe deprivation have been rising, and increasing numbers of children are left with their most basic needs unmet. Based on exclusive access to the largest ever survey of poverty in the UK, and its predecessor surveys in the 1980s and 1990s, Stewart Lansley and Joanna Mack track changes in deprivation and paint a devastating picture of the reality of poverty today and its causes. Shattering the myth that poverty is the fault of the poor and a generous benefit system, they show that the blame lies with the massive social and economic upheaval that has shifted power from the workforce to corporations and swelled the ranks of the working poor, a group increasingly at the mercy of low-pay, zero-hour contracts and downward social mobility. The high levels of poverty in the UK are not ordained but can be traced directly to the political choices taken by successive governments. Lansley and Mack outline an alternative economic and social strategy that is both perfectly feasible and urgently necessary if we are to reverse the course of the last three decades.
Hc 770 Government Support For Business
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Author : Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2015
Hc 770 Government Support For Business written by Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015 with Business & Economics categories.
Helping British businesses to thrive and grow is vital to the UK's long-term economic prosperity. The Government's ambition is for the UK to be one of the best places in Europe to start, finance and grow a business. In order to facilitate this, the Government offers support to business in accessing finance, promoting exports, developing manufacturing and encouraging growth at a local level. The Committee's inquiry considered the wide range of support that is on offer, and in particular those support programmes run by the Department of Business, Innovation and Skills. Access to finance is fundamental to the success of business of all sizes. However, the Committee heard varying evidence about the availability of finance, in particular for SMEs. Too many business still report that they find it difficult to get the financial support they need. By drawing on the British Business Bank's expertise, the Government should be able to develop a better understanding of the blockages in the system, why they occur, and whether changes in regulation or funding are needed to address them. The British Business bank also has a clear role to play in enhancing SME access to finance though clearly signposting the services available from alternative finance providers. In particular, it should develop a menu of alternative finance providers for each different area of financial support.
Hc 249 Business University Collaboration
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Author : Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2014
Hc 249 Business University Collaboration written by Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Business & Economics categories.
The Government must commit to a 3 per cent target of GDP of research and development (R&D) spending by 2020 to ensure the UK doesn't lag behind international competitors. The BIS Committee finds that more than 30 years of under-investment in R&D has left the UK trailing countries such as the USA, Germany and France in science and innovation spending, threatening the opportunities for economic growth offered by the research excellence of the UK's world class university system. The Committee found the Catapult network has played a valuable role in harnessing the commercial benefits of science and innovation research. The Committee calls on the Government to back the recommendations of the recent Hauser Catapult review and expand the Catapult Network from the seven current centres to 20 by 2020 and 30 by 2030 and increase funding to Innovate UK. The Government needs to do more to bring businesses and universities together to realise the benefits of the cutting-edge research taking place across the country. The Committee recommends that the Government establish a respected and impartial way to measure and evaluate the success of its initiatives to increase R&D activity, such as by reintroduction of the R&D scoreboard. These measures, alongside an ambitious long-term vision for the innovation system, should be built into the forthcoming Science and Innovation strategy.
Hc 188 The Extractive Industries Hc 188
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Author : Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee
language : en
Publisher: The Stationery Office
Release Date : 2014
Hc 188 The Extractive Industries Hc 188 written by Great Britain. Parliament. House of Commons. Business, Innovation and Skills Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Business & Economics categories.
Extractive companies contribute directly to the UK in a number of ways. Both domestic companies and global companies listed in London contribute through taxes, dividends, licenses and the employment of British workers. The size of the UK's domestic extractive sector is well below its historical peak. However, the Government has expressed support for the enlargement of the UK's domestic extractive and the United Kingdom Trade and Investment is doing good work to promote the United Kingdom as a base for extractive companies to do business with the rest of the world. However, the extractive sector is not without controversy, particularly when one considers reports of poor practice around the world. The UK is at risk of being associated with some of the negative practices often reported alongside the sector. To counter this, more needs to be done to improve to social and environmental performance, transparency and reputations of the companies it hosts and both industry educational institutions and Government must promote and excite the next generation of extractive workers. This should be done by encouraging more British students to study STEM-related subjects, engage with industry to encourage and promote mining as a rewarding and exciting career and encourage large mining companies to support the UK as a base for mining through funding and resources.