Consumer Credit Bill — New Clause 1 — Data Sharing — 14 Jul 2005 at 13:15

After section 36F of the 1974 Act (inserted by section 50 of this Act) insert:

36G Data Sharing (1) In this section— 'authorised person' means a consumer credit business, or consumer hire business, or an ancillary credit business or any person acting on behalf of any such business. 'credit reference agency' means any person within the meaning of section 145(8) and who holds a licence in respect of such activities under Part III of this Act. all reference to 'debtor' shall include a reference to hirer and all references to credit shall include a reference to hire. (2) Any authorised person may, provided the conditions in subsection (3) below are satisfied, disclose to a credit reference agency, and the authorised person and credit reference agency may use, any information relating to the credit history or financial standing of any debtor of the authorised person, for the purposes referred to in subsection (4) below, notwithstanding any enactment or rule of law prohibiting or restricting the disclosure or use of, or authorising the withholding of, such information. (3) The conditions referred to in subsection (2) above are that— (a) the authorised person has notified the debtor that it may disclose the debtor's information under this section; and (b) the debtor has not, within 28 days of the date of notification, informed the authorised person in writing that he objects to such disclosure of his information. (4) For the purposes of subsection (2) above, the permitted purposes are— (a) vetting applications for credit or applications that can result in the giving of credit or giving of any guarantee, indemnity, or assurance in relation to the giving of credit; (b) verifying the identity of the debtor or any applicant for credit, for the purpose of or in connection with an application for credit, or for any other purpose relevant to the financial standing of the debtor, including the prevention of money laundering; (c) managing credit accounts including debt tracing and recovery; (d) preventing, detecting or apprehending crime, and for the enforcement of criminal law whether in England and Wales or elsewhere including the tracing and recovery of any sanctions imposed thereunder; (e) statistical analysis of credit risk assessment in a case where no individual is referred to by name or necessary implication; (f) any other purpose to which the debtor subsequently consents; and (g) any other purpose specified in an Order made by the Secretary of State for the purpose of this subsection (4). (5) In this section— 'application for credit' includes an application to refinance or reschedule an existing credit agreement; 'credit reference services' means the furnishing of persons with information relevant to financial standing of individuals, which is information collected by the person furnishing the purpose of so furnishing it.".'.—[Norman Lamb.]

I beg to move, That the clause be read a Second time.

The House divided: Ayes 106, Noes 234.

Debate in Parliament | Source |

Public Whip is run as a free not-for-profit service. If you'd like to support us, please consider switching your (UK) electricity and/or gas to Octopus Energy or tip us via Ko-Fi.

All Votes Cast - sorted by party

MPs for which their vote in this division differed from the majority vote of their party are marked in red. Also shows which MPs were ministers at the time of this vote. You can also see every eligible MP including those who did not vote in this division.

Sort by: Name | Constituency | Party | Vote

NameConstituencyPartyVote
Peter AinsworthEast SurreyCon (front bench)aye
Sir David AmessSouthend WestCon (front bench)aye
Michael AncramDevizesCon (front bench)aye
James ArbuthnotNorth East HampshireCon (front bench)aye
Peter AtkinsonHexhamCon (front bench)aye
Richard BaconSouth NorfolkCon (front bench)aye
John BaronBillericayCon (front bench)aye
Henry BellinghamNorth West NorfolkCon (front bench)aye
Tim BoswellDaventryCon (front bench)aye
Peter BottomleyWorthing WestCon (front bench)aye
Julian BrazierCanterburyCon (front bench)aye
James BrokenshireHornchurchConaye
Bill CashStoneCon (front bench)aye
Geoffrey Clifton-BrownCotswoldCon (front bench)aye
Stephen CrabbPreseli PembrokeshireConaye
Jonathan DjanoglyHuntingdonCon (front bench)aye
Nadine DorriesMid BedfordshireCon (front bench)aye
Alan DuncanRutland and MeltonCon (front bench)aye
Tobias EllwoodBournemouth EastCon (front bench)aye
David EvennettBexleyheath and CrayfordCon (front bench)aye
Michael FabricantLichfieldCon (front bench)aye
Roger GaleNorth ThanetCon (front bench)aye
Edward GarnierHarboroughCon (front bench)aye
Paul GoodmanWycombeCon (front bench)aye
Robert GoodwillScarborough and WhitbyCon (front bench)aye
Michael GoveSurrey HeathCon (front bench)aye
James GrayNorth WiltshireCon (front bench)aye
Justine GreeningPutneyCon (front bench)aye
John GreenwayRyedaleConaye
Dominic GrieveBeaconsfieldCon (front bench)aye
William HagueRichmond (Yorks)Conaye
Stephen HammondWimbledonCon (front bench)aye
Mark HarperForest of DeanCon (front bench)aye
David Heathcoat-AmoryWellsCon (front bench)aye
Charles HendryWealdenCon (front bench)aye
Nick HerbertArundel and South DownsCon (front bench)aye
Mark HobanFarehamConaye
Philip HolloboneKetteringConaye
Adam HollowayGraveshamConaye
Jeremy HuntSouth West SurreyCon (front bench)aye
Nick HurdRuislip - NorthwoodCon (front bench)aye
Stewart JacksonPeterboroughCon (front bench)aye
David JonesClwyd WestConaye
Mark LancasterNorth East Milton KeynesCon (front bench)aye
Andrew LansleySouth CambridgeshireCon (front bench)aye
Oliver LetwinWest DorsetCon (front bench)aye
Julian LewisNew Forest EastCon (front bench)aye
Anne MainSt AlbansCon (front bench)aye
John MaplesStratford-on-AvonCon (front bench)aye
Patrick MercerNewarkCon (front bench)aye
Maria MillerBasingstokeCon (front bench)aye
Anne MiltonGuildfordCon (front bench)aye
Andrew MurrisonWestburyCon (front bench)aye
Brooks NewmarkBraintreeConaye
Stephen O'BrienEddisburyCon (front bench)aye
Richard OttawayCroydon SouthCon (front bench)aye
Mike PenningHemel HempsteadCon (front bench)aye
Mark PriskHertford and StortfordCon (front bench)aye
Mark PritchardThe WrekinCon (front bench)aye
John RandallUxbridgeCon (front bench)aye
Andrew RobathanBlabyCon (front bench)aye
Hugh RobertsonFaversham and Mid KentCon (front bench)aye
Laurence RobertsonTewkesburyCon (front bench)aye
Andrew SelousSouth West BedfordshireCon (front bench)tellaye
Grant ShappsWelwyn HatfieldCon (front bench)aye
Michael SpicerWest WorcestershireCon (front bench)aye
John StanleyTonbridge and MallingCon (front bench)aye
Anthony SteenTotnesCon (front bench)aye
Desmond SwayneNew Forest WestCon (front bench)aye
Hugo SwireEast DevonCon (front bench)aye
Ian TaylorEsher and WaltonConaye
Andrew TurnerIsle of WightCon (front bench)aye
Ed VaizeyWantageConaye
Shailesh VaraNorth West CambridgeshireCon (front bench)aye
Theresa VilliersChipping BarnetCon (front bench)aye
Ben WallaceLancaster and WyreCon (front bench)aye
Nigel WatersonEastbourneCon (front bench)aye
Ann WiddecombeMaidstone and The WealdConaye
Bill WigginLeominsterCon (front bench)aye
David WillettsHavantCon (front bench)aye
Rob WilsonReading EastCon (front bench)aye
Ann WintertonCongletonConaye
Nicholas WintertonMacclesfieldCon (front bench)aye
Jeremy WrightRugby and KenilworthConaye
Nigel DoddsBelfast NorthDUP (front bench)aye
Jeffrey M. DonaldsonLagan ValleyDUP (front bench)aye
Iris RobinsonStrangfordDUPaye
Peter RobinsonBelfast EastDUPaye
Richard TaylorWyre ForestIndependent (front bench)aye
Nick AingerCarmarthen West and South PembrokeshireLab (minister)no
Bob AinsworthCoventry North EastLab (minister)no
David AndersonBlaydonLab (minister)no
Janet AndersonRossendale and DarwenLab (minister)no
Hilary ArmstrongNorth West DurhamLab (minister)no
Charlotte AtkinsStaffordshire MoorlandsLab (minister)no
Ian AustinDudley NorthLabno
Adrian BaileyWest Bromwich WestLabno
Vera BairdRedcarLabno
Edward BallsNormantonLabno
Gordon BanksOchil and South PerthshireLab (minister)no
Kevin BarronRother ValleyLab (minister)no
Hugh BayleyCity of YorkLab (minister)no
Joe BentonBootleLab (minister)no
Roger BerryKingswoodLab (minister)no
Clive BettsSheffield, AttercliffeLab (minister)no
Liz BlackmanErewashLab (minister)no
Roberta Blackman-WoodsCity of DurhamLab (minister)no
Hazel BlearsSalfordLab (minister)no
David BorrowSouth RibbleLab (minister)no
Ben BradshawExeterLab (minister)no
Kevin BrennanCardiff WestLab (minister)no
Lyn BrownWest HamLabno
Nick BrownNewcastle upon Tyne East and WallsendLabno
Chris BryantRhonddaLabno
Richard BurdenBirmingham, NorthfieldLab (minister)no
Andy BurnhamLeighLab (minister)no
Dawn ButlerBrent SouthLab (minister)no
Liam ByrneBirmingham, Hodge HillLab (minister)no
Richard CabornSheffield CentralLab (minister)no
David CairnsInverclydeLab (minister)no
Martin CatonGowerLab (minister)no
Ian CawseyBrigg and GooleLab (minister)no
Ben ChapmanWirral SouthLab (minister)no
Katy ClarkNorth Ayrshire and ArranLab (minister)no
Paul ClarkGillinghamLabno
Tom ClarkeCoatbridge, Chryston and BellshillLabno
David ClellandTyne BridgeLab (minister)no
Ann ClwydCynon ValleyLab (minister)no
Vernon CoakerGedlingLab (minister)no
Frank CookStockton NorthLabno
Robin CookLivingstonLabno
Rosie CooperWest LancashireLab (minister)no
Jim CousinsNewcastle upon Tyne CentralLab (minister)no
David CrausbyBolton North EastLab (minister)no
Mary CreaghWakefieldLab (minister)no
Ann CryerKeighleyLab (minister)no
Jim CunninghamCoventry SouthLab (minister)no
Tony CunninghamWorkingtonLab (minister)no
Ian DavidsonGlasgow South WestLab (minister)no
Janet DeanBurtonLab (minister)no
John DenhamSouthampton, ItchenLab (minister)no
Parmjit DhandaGloucesterLab (minister)no
Brian H DonohoeCentral AyrshireLab (minister)no
David DrewStroudLab (minister)no
Angela EagleWallaseyLab (minister)no
Clive EffordElthamLab (minister)no
Louise EllmanLiverpool, RiversideLab (minister)no
Jeff EnnisBarnsley East and MexboroughLab (minister)no
Paul FarrellyNewcastle-under-LymeLab (minister)no
Frank FieldBirkenheadLab (minister)no
Mark FisherStoke-on-Trent CentralLabno
Rob FlelloStoke-on-Trent SouthLabno
Caroline FlintDon ValleyLab (minister)no
Paul FlynnNewport WestLab (minister)no
Michael FosterWorcesterLabno
Michael Jabez FosterHastings and RyeLab (minister)no
Hywel FrancisAberavonLab (minister)no
Mike GapesIlford SouthLab (minister)no
Barry GardinerBrent NorthLab (minister)no
Bruce GeorgeWalsall SouthLabno
Ian GibsonNorwich NorthLabno
Linda GilroyPlymouth, SuttonLab (minister)no
Paul GogginsWythenshawe and Sale EastLab (minister)no
Helen GoodmanBishop AucklandLab (minister)no
Nia GriffithLlanelliLab (minister)no
Nigel GriffithsEdinburgh SouthLab (minister)no
Mike HallWeaver ValeLab (minister)no
Patrick HallBedfordLab (minister)no
David HamiltonMidlothianLab (minister)no
David HansonDelynLab (minister)no
Harriet HarmanCamberwell and PeckhamLab (minister)no
Tom HarrisGlasgow SouthLabno
Dai HavardMerthyr Tydfil and RhymneyLab (minister)no
John HealeyWentworthLab (minister)no
Doug HendersonNewcastle upon Tyne NorthLabno
Mark HendrickPrestonLabno
John HeppellNottingham EastLab (minister)no
Stephen HesfordWirral WestLabno
David HeyesAshton-under-LyneLab (minister)no
Keith HillStreathamLabno
Meg HillierHackney South and ShoreditchLab (minister)no
Sharon HodgsonGateshead East and Washington WestLab (minister)no
Kate HoeyVauxhallLab (minister)no
Jimmy HoodLanark and Hamilton EastLab (minister)no
Phil HopeCorbyLab (minister)no
Kelvin HopkinsLuton NorthLab (minister)no
George HowarthKnowsley North and Sefton EastLabno
Lindsay HoyleChorleyLab (minister)no
Joan HumbleBlackpool North and FleetwoodLab (minister)no
Brian IddonBolton South EastLabno
Eric IllsleyBarnsley CentralLab (minister)no
Huw Irranca-DaviesOgmoreLabno
Glenda JacksonHampstead and HighgateLabno
Siân JamesSwansea EastLab (minister)no
Brian JenkinsTamworthLab (minister)no
Alan JohnsonKingston upon Hull West and HessleLab (minister)no
Diana R. JohnsonKingston upon Hull NorthLab (minister)no
Kevan JonesNorth DurhamLab (minister)no
Martyn JonesClwyd SouthLabno
Eric JoyceFalkirkLabno
Gerald KaufmanManchester, GortonLab (minister)no
Sally KeebleNorthampton NorthLab (minister)no
Barbara KeeleyWorsleyLabno
Alan KeenFeltham and HestonLab (minister)no
Ruth KellyBolton WestLab (minister)no
Fraser KempHoughton and Washington EastLabno
Jane KennedyLiverpool, WavertreeLab (minister)no
Piara S KhabraEaling, SouthallLab (minister)no
Sadiq KhanTootingLab (minister)no
David KidneyStaffordLab (minister)no
Jim KnightSouth DorsetLab (minister)no
Ashok KumarMiddlesbrough South and East ClevelandLabno
Stephen LadymanSouth ThanetLab (minister)no
Mark LazarowiczEdinburgh North and LeithLabno
David LepperBrighton, PavilionLab (minister)no
Martin LintonBatterseaLabno
Tony LloydManchester CentralLabno
Andrew LoveEdmontonLab (minister)no
Ian LucasWrexhamLabno
John MacDougallGlenrothesLab (minister)no
Andrew MacKinlayThurrockLab (minister)no
Fiona MactaggartSloughLab (minister)no
Judy MallaberAmber ValleyLab (minister)no
John MannBassetlawLabno
Rob MarrisWolverhampton South WestLab (minister)no
Gordon MarsdenBlackpool SouthLab (minister)no
David MarshallGlasgow EastLabno
Eric MartlewCarlisleLab (minister)no
Thomas McAvoyRutherglen and Hamilton WestLab (minister)no
Chris McCaffertyCalder ValleyLabno
Kerry McCarthyBristol EastLab (minister)no
Sarah McCarthy-FryPortsmouth NorthLab (minister)no
Ian McCartneyMakerfieldLab (minister)no
Siobhain McDonaghMitcham and MordenLabno
Pat McFaddenWolverhampton South EastLabno
John McFallWest DunbartonshireLab (minister)no
Jim McGovernDundee WestLab (minister)no
Shona McIsaacCleethorpesLabno
Ann McKechinGlasgow NorthLab (minister)no
Rosemary McKennaCumbernauld, Kilsyth and Kirkintilloch EastLab (minister)no
Tony McNultyHarrow EastLab (minister)no
Alan MealeMansfieldLabno
Gillian MerronLincolnLab (minister)no
Alun MichaelCardiff South and PenarthLab (minister)no
Ed MilibandDoncaster NorthLabno
Anne MoffatEast LothianLab (minister)no
Laura MoffattCrawleyLabno
Chris MoleIpswichLabno
Madeleine MoonBridgendLab (minister)no
Jessica MordenNewport EastLabno
Julie MorganCardiff NorthLab (minister)no
Kali MountfordColne ValleyLabno
George MudieLeeds EastLab (minister)no
Jim MurphyEast RenfrewshireLab (minister)no
Paul MurphyTorfaenLab (minister)no
Doug NaysmithBristol North WestLab (minister)no
Dan NorrisWansdykeLab (minister)no
Mike O'BrienNorth WarwickshireLab (minister)no
Edward O'HaraKnowsley SouthLabno
Bill OlnerNuneatonLab (minister)no
Sandra OsborneAyr, Carrick and CumnockLab (minister)no
Albert OwenYnys MônLab (minister)no
Nick PalmerBroxtoweLabno
Ian PearsonDudley SouthLab (minister)no
James PlaskittWarwick and LeamingtonLab (minister)no
Greg PopeHyndburnLab (minister)no
Bridget PrenticeLewisham EastLab (minister)no
Gordon PrenticePendleLab (minister)no
Gwyn ProsserDoverLab (minister)no
Ken PurchaseWolverhampton North EastLab (minister)no
James PurnellStalybridge and HydeLab (minister)no
John RobertsonGlasgow North WestLabno
Geoffrey RobinsonCoventry North WestLabno
Frank RoyMotherwell and WishawLab (minister)tellno
Chris RuaneVale of ClwydLabno
Joan RuddockLewisham, DeptfordLab (minister)no
Christine RussellCity of ChesterLabno
Joan RyanEnfield NorthLab (minister)no
Martin SalterReading WestLabno
Jonathan R ShawChatham and AylesfordLabno
Barry SheermanHuddersfieldLab (minister)no
Jim SheridanPaisley and Renfrewshire NorthLabno
Clare ShortBirmingham, Ladywoodwhilst Labno
Alan SimpsonNottingham SouthLabno
Marsha SinghBradford WestLab (minister)no
Dennis SkinnerBolsoverLab (minister)no
Andrew SlaughterEaling, Acton and Shepherd's BushLab (minister)no
Andrew SmithOxford EastLabno
Angela SmithBasildonLab (minister)no
Angela SmithSheffield, HillsboroughLab (minister)no
Geraldine SmithMorecambe and LunesdaleLabno
Jacqui SmithRedditchLab (minister)no
Anne SnelgroveSouth SwindonLabno
Peter SoulsbyLeicester SouthLab (minister)no
John SpellarWarleyLabno
Phyllis StarkeyMilton Keynes South WestLab (minister)no
Howard StoateDartfordLab (minister)no
Gerry SutcliffeBradford SouthLab (minister)no
Mark TamiAlyn and DeesideLabno
Dari TaylorStockton SouthLabno
Emily ThornberryIslington South and FinsburyLab (minister)no
Stephen TimmsEast HamLab (minister)no
Paddy TippingSherwoodLabno
Mark ToddSouth DerbyshireLab (minister)no
Don TouhigIslwynLab (minister)no
Desmond TurnerBrighton, KemptownLab (minister)no
Neil TurnerWiganLabno
Derek TwiggHaltonLab (minister)no
Rudi VisFinchley and Golders GreenLabno
Joan WalleyStoke-on-Trent NorthLab (minister)no
Robert WareingLiverpool, West Derbywhilst Labno
Tom WatsonWest Bromwich EastLab (minister)no
Dave WattsSt Helens NorthLab (minister)tellno
Alan WhiteheadSouthampton, TestLab (minister)no
Malcolm WicksCroydon NorthLab (minister)no
Alan WilliamsSwansea WestLab (minister)no
Michael WillsNorth SwindonLabno
David WinnickWalsall NorthLab (minister)no
Phil WoolasOldham East and SaddleworthLab (minister)no
Anthony D WrightGreat YarmouthLab (minister)no
David WrightTelfordLabno
Iain WrightHartlepoolLabno
Tony WrightCannock ChaseLab (minister)no
Derek WyattSittingbourne and SheppeyLabno
John BarrettEdinburgh WestLDem (front bench)aye
Tom BrakeCarshalton and WallingtonLDem (front bench)aye
Alistair CarmichaelOrkney and ShetlandLDem (front bench)aye
Edward DaveyKingston and SurbitonLDem (front bench)aye
Lynne FeatherstoneHornsey and Wood GreenLDem (front bench)aye
Don FosterBathLDem (front bench)aye
Nick HarveyNorth DevonLDem (front bench)aye
David HeathSomerton and FromeLDem (front bench)aye
Charles KennedyRoss, Skye and LochaberLDem (front bench)aye
Norman LambNorth NorfolkLDem (front bench)aye
Alan ReidArgyll and ButeLDem (front bench)aye
Bob RussellColchesterLDem (front bench)tellaye
Robert SmithWest Aberdeenshire and KincardineLDem (front bench)aye
Mark WilliamsCeredigionLDem (front bench)aye
Elfyn LlwydMeirionnydd Nant ConwyPC (front bench)aye
Adam PriceCarmarthen East and DinefwrPC (front bench)aye
Mark DurkanFoyleSDLP (front bench)no
Stewart HosieDundee EastSNP (front bench)aye
Angus RobertsonMoraySNP (front bench)aye
Pete WishartPerth and North PerthshireSNP (front bench)aye

About the Project

The Public Whip is a not-for-profit, open source website created in 2003 by Francis Irving and Julian Todd and now run by Bairwell Ltd.

The Whip on the Web

Help keep PublicWhip alive