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 |
MPs
for which their vote in this division differed
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Name | Constituency | Party | Vote |
Hywel Francis | Aberavon | Lab (minister) | no |
Mark Tami | Alyn and Deeside | Lab | no |
Judy Mallaber | Amber Valley | Lab (minister) | no |
Alan Reid | Argyll and Bute | LDem (front bench) | aye |
Nick Herbert | Arundel and South Downs | Con (front bench) | aye |
David Heyes | Ashton-under-Lyne | Lab (minister) | no |
Sandra Osborne | Ayr, Carrick and Cumnock | Lab (minister) | no |
Eric Illsley | Barnsley Central | Lab (minister) | no |
Jeff Ennis | Barnsley East and Mexborough | Lab (minister) | no |
Angela Smith | Basildon | Lab (minister) | no |
Maria Miller | Basingstoke | Con (front bench) | aye |
John Mann | Bassetlaw | Lab | no |
Don Foster | Bath | LDem (front bench) | aye |
Martin Linton | Battersea | Lab | no |
Dominic Grieve | Beaconsfield | Con (front bench) | aye |
Patrick Hall | Bedford | Lab (minister) | no |
Peter Robinson | Belfast East | DUP | aye |
Nigel Dodds | Belfast North | DUP (front bench) | aye |
David Evennett | Bexleyheath and Crayford | Con (front bench) | aye |
John Baron | Billericay | Con (front bench) | aye |
Frank Field | Birkenhead | Lab (minister) | no |
Liam Byrne | Birmingham, Hodge Hill | Lab (minister) | no |
Clare Short | Birmingham, Ladywood | whilst Lab | no |
Richard Burden | Birmingham, Northfield | Lab (minister) | no |
Helen Goodman | Bishop Auckland | Lab (minister) | no |
Andrew Robathan | Blaby | Con (front bench) | aye |
Joan Humble | Blackpool North and Fleetwood | Lab (minister) | no |
Gordon Marsden | Blackpool South | Lab (minister) | no |
David Anderson | Blaydon | Lab (minister) | no |
Dennis Skinner | Bolsover | Lab (minister) | no |
David Crausby | Bolton North East | Lab (minister) | no |
Brian Iddon | Bolton South East | Lab | no |
Ruth Kelly | Bolton West | Lab (minister) | no |
Joe Benton | Bootle | Lab (minister) | no |
Tobias Ellwood | Bournemouth East | Con (front bench) | aye |
Gerry Sutcliffe | Bradford South | Lab (minister) | no |
Marsha Singh | Bradford West | Lab (minister) | no |
Brooks Newmark | Braintree | Con | aye |
Barry Gardiner | Brent North | Lab (minister) | no |
Dawn Butler | Brent South | Lab (minister) | no |
Madeleine Moon | Bridgend | Lab (minister) | no |
Ian Cawsey | Brigg and Goole | Lab (minister) | no |
Desmond Turner | Brighton, Kemptown | Lab (minister) | no |
David Lepper | Brighton, Pavilion | Lab (minister) | no |
Kerry McCarthy | Bristol East | Lab (minister) | no |
Doug Naysmith | Bristol North West | Lab (minister) | no |
Nick Palmer | Broxtowe | Lab | no |
Janet Dean | Burton | Lab (minister) | no |
Chris McCafferty | Calder Valley | Lab | no |
Harriet Harman | Camberwell and Peckham | Lab (minister) | no |
Tony Wright | Cannock Chase | Lab (minister) | no |
Julian Brazier | Canterbury | Con (front bench) | aye |
Julie Morgan | Cardiff North | Lab (minister) | no |
Alun Michael | Cardiff South and Penarth | Lab (minister) | no |
Kevin Brennan | Cardiff West | Lab (minister) | no |
Eric Martlew | Carlisle | Lab (minister) | no |
Adam Price | Carmarthen East and Dinefwr | PC (front bench) | aye |
Nick Ainger | Carmarthen West and South Pembrokeshire | Lab (minister) | no |
Tom Brake | Carshalton and Wallington | LDem (front bench) | aye |
Brian H Donohoe | Central Ayrshire | Lab (minister) | no |
Mark Williams | Ceredigion | LDem (front bench) | aye |
Jonathan R Shaw | Chatham and Aylesford | Lab | no |
Theresa Villiers | Chipping Barnet | Con (front bench) | aye |
Lindsay Hoyle | Chorley | Lab (minister) | no |
Christine Russell | City of Chester | Lab | no |
Roberta Blackman-Woods | City of Durham | Lab (minister) | no |
Hugh Bayley | City of York | Lab (minister) | no |
Shona McIsaac | Cleethorpes | Lab | no |
Martyn Jones | Clwyd South | Lab | no |
David Jones | Clwyd West | Con | aye |
Tom Clarke | Coatbridge, Chryston and Bellshill | Lab | no |
Bob Russell | Colchester | LDem (front bench) | tellaye |
Kali Mountford | Colne Valley | Lab | no |
Ann Winterton | Congleton | Con | aye |
Phil Hope | Corby | Lab (minister) | no |
Geoffrey Clifton-Brown | Cotswold | Con (front bench) | aye |
Bob Ainsworth | Coventry North East | Lab (minister) | no |
Geoffrey Robinson | Coventry North West | Lab | no |
Jim Cunningham | Coventry South | Lab (minister) | no |
Laura Moffatt | Crawley | Lab | no |
Malcolm Wicks | Croydon North | Lab (minister) | no |
Richard Ottaway | Croydon South | Con (front bench) | aye |
Rosemary McKenna | Cumbernauld, Kilsyth and Kirkintilloch East | Lab (minister) | no |
Ann Clwyd | Cynon Valley | Lab (minister) | no |
Howard Stoate | Dartford | Lab (minister) | no |
Tim Boswell | Daventry | Con (front bench) | aye |
David Hanson | Delyn | Lab (minister) | no |
Michael Ancram | Devizes | Con (front bench) | aye |
Caroline Flint | Don Valley | Lab (minister) | no |
Ed Miliband | Doncaster North | Lab | no |
Gwyn Prosser | Dover | Lab (minister) | no |
Ian Austin | Dudley North | Lab | no |
Ian Pearson | Dudley South | Lab (minister) | no |
Stewart Hosie | Dundee East | SNP (front bench) | aye |
Jim McGovern | Dundee West | Lab (minister) | no |
Andrew Slaughter | Ealing, Acton and Shepherd's Bush | Lab (minister) | no |
Piara S Khabra | Ealing, Southall | Lab (minister) | no |
Hugo Swire | East Devon | Con (front bench) | aye |
Stephen Timms | East Ham | Lab (minister) | no |
Anne Moffat | East Lothian | Lab (minister) | no |
Jim Murphy | East Renfrewshire | Lab (minister) | no |
Peter Ainsworth | East Surrey | Con (front bench) | aye |
Nigel Waterson | Eastbourne | Con (front bench) | aye |
Stephen O'Brien | Eddisbury | Con (front bench) | aye |
Mark Lazarowicz | Edinburgh North and Leith | Lab | no |
Nigel Griffiths | Edinburgh South | Lab (minister) | no |
John Barrett | Edinburgh West | LDem (front bench) | aye |
Andrew Love | Edmonton | Lab (minister) | no |
Clive Efford | Eltham | Lab (minister) | no |
Joan Ryan | Enfield North | Lab (minister) | no |
Liz Blackman | Erewash | Lab (minister) | no |
Ian Taylor | Esher and Walton | Con | aye |
Ben Bradshaw | Exeter | Lab (minister) | no |
Eric Joyce | Falkirk | Lab | no |
Mark Hoban | Fareham | Con | aye |
Hugh Robertson | Faversham and Mid Kent | Con (front bench) | aye |
Alan Keen | Feltham and Heston | Lab (minister) | no |
Rudi Vis | Finchley and Golders Green | Lab | no |
Mark Harper | Forest of Dean | Con (front bench) | aye |
Mark Durkan | Foyle | SDLP (front bench) | no |
Sharon Hodgson | Gateshead East and Washington West | Lab (minister) | no |
Vernon Coaker | Gedling | Lab (minister) | no |
Paul Clark | Gillingham | Lab | no |
David Marshall | Glasgow East | Lab | no |
Ann McKechin | Glasgow North | Lab (minister) | no |
John Robertson | Glasgow North West | Lab | no |
Tom Harris | Glasgow South | Lab | no |
Ian Davidson | Glasgow South West | Lab (minister) | no |
John MacDougall | Glenrothes | Lab (minister) | no |
Parmjit Dhanda | Gloucester | Lab (minister) | no |
Martin Caton | Gower | Lab (minister) | no |
Adam Holloway | Gravesham | Con | aye |
Anthony D Wright | Great Yarmouth | Lab (minister) | no |
Anne Milton | Guildford | Con (front bench) | aye |
Meg Hillier | Hackney South and Shoreditch | Lab (minister) | no |
Derek Twigg | Halton | Lab (minister) | no |
Glenda Jackson | Hampstead and Highgate | Lab | no |
Edward Garnier | Harborough | Con (front bench) | aye |
Tony McNulty | Harrow East | Lab (minister) | no |
Iain Wright | Hartlepool | Lab | no |
Michael Jabez Foster | Hastings and Rye | Lab (minister) | no |
David Willetts | Havant | Con (front bench) | aye |
Mike Penning | Hemel Hempstead | Con (front bench) | aye |
Mark Prisk | Hertford and Stortford | Con (front bench) | aye |
Peter Atkinson | Hexham | Con (front bench) | aye |
James Brokenshire | Hornchurch | Con | aye |
Lynne Featherstone | Hornsey and Wood Green | LDem (front bench) | aye |
Fraser Kemp | Houghton and Washington East | Lab | no |
Barry Sheerman | Huddersfield | Lab (minister) | no |
Jonathan Djanogly | Huntingdon | Con (front bench) | aye |
Greg Pope | Hyndburn | Lab (minister) | no |
Mike Gapes | Ilford South | Lab (minister) | no |
David Cairns | Inverclyde | Lab (minister) | no |
Chris Mole | Ipswich | Lab | no |
Andrew Turner | Isle of Wight | Con (front bench) | aye |
Emily Thornberry | Islington South and Finsbury | Lab (minister) | no |
Don Touhig | Islwyn | Lab (minister) | no |
Ann Cryer | Keighley | Lab (minister) | no |
Philip Hollobone | Kettering | Con | aye |
Edward Davey | Kingston and Surbiton | LDem (front bench) | aye |
Diana R. Johnson | Kingston upon Hull North | Lab (minister) | no |
Alan Johnson | Kingston upon Hull West and Hessle | Lab (minister) | no |
Roger Berry | Kingswood | Lab (minister) | no |
George Howarth | Knowsley North and Sefton East | Lab | no |
Edward O'Hara | Knowsley South | Lab | no |
Jeffrey M. Donaldson | Lagan Valley | DUP (front bench) | aye |
Jimmy Hood | Lanark and Hamilton East | Lab (minister) | no |
Ben Wallace | Lancaster and Wyre | Con (front bench) | aye |
George Mudie | Leeds East | Lab (minister) | no |
Peter Soulsby | Leicester South | Lab (minister) | no |
Andy Burnham | Leigh | Lab (minister) | no |
Bill Wiggin | Leominster | Con (front bench) | aye |
Bridget Prentice | Lewisham East | Lab (minister) | no |
Joan Ruddock | Lewisham, Deptford | Lab (minister) | no |
Michael Fabricant | Lichfield | Con (front bench) | aye |
Gillian Merron | Lincoln | Lab (minister) | no |
Louise Ellman | Liverpool, Riverside | Lab (minister) | no |
Jane Kennedy | Liverpool, Wavertree | Lab (minister) | no |
Robert Wareing | Liverpool, West Derby | whilst Lab | no |
Robin Cook | Livingston | Lab | no |
Nia Griffith | Llanelli | Lab (minister) | no |
Kelvin Hopkins | Luton North | Lab (minister) | no |
Nicholas Winterton | Macclesfield | Con (front bench) | aye |
Ann Widdecombe | Maidstone and The Weald | Con | aye |
Ian McCartney | Makerfield | Lab (minister) | no |
Tony Lloyd | Manchester Central | Lab | no |
Gerald Kaufman | Manchester, Gorton | Lab (minister) | no |
Alan Meale | Mansfield | Lab | no |
Elfyn Llwyd | Meirionnydd Nant Conwy | PC (front bench) | aye |
Dai Havard | Merthyr Tydfil and Rhymney | Lab (minister) | no |
Nadine Dorries | Mid Bedfordshire | Con (front bench) | aye |
Ashok Kumar | Middlesbrough South and East Cleveland | Lab | no |
David Hamilton | Midlothian | Lab (minister) | no |
Phyllis Starkey | Milton Keynes South West | Lab (minister) | no |
Siobhain McDonagh | Mitcham and Morden | Lab | no |
Angus Robertson | Moray | SNP (front bench) | aye |
Geraldine Smith | Morecambe and Lunesdale | Lab | no |
Frank Roy | Motherwell and Wishaw | Lab (minister) | tellno |
Julian Lewis | New Forest East | Con (front bench) | aye |
Desmond Swayne | New Forest West | Con (front bench) | aye |
Patrick Mercer | Newark | Con (front bench) | aye |
Jim Cousins | Newcastle upon Tyne Central | Lab (minister) | no |
Nick Brown | Newcastle upon Tyne East and Wallsend | Lab | no |
Doug Henderson | Newcastle upon Tyne North | Lab | no |
Paul Farrelly | Newcastle-under-Lyme | Lab (minister) | no |
Jessica Morden | Newport East | Lab | no |
Paul Flynn | Newport West | Lab (minister) | no |
Edward Balls | Normanton | Lab | no |
Katy Clark | North Ayrshire and Arran | Lab (minister) | no |
Nick Harvey | North Devon | LDem (front bench) | aye |
Kevan Jones | North Durham | Lab (minister) | no |
James Arbuthnot | North East Hampshire | Con (front bench) | aye |
Mark Lancaster | North East Milton Keynes | Con (front bench) | aye |
Norman Lamb | North Norfolk | LDem (front bench) | aye |
Michael Wills | North Swindon | Lab | no |
Roger Gale | North Thanet | Con (front bench) | aye |
Mike O'Brien | North Warwickshire | Lab (minister) | no |
Shailesh Vara | North West Cambridgeshire | Con (front bench) | aye |
Hilary Armstrong | North West Durham | Lab (minister) | no |
Henry Bellingham | North West Norfolk | Con (front bench) | aye |
James Gray | North Wiltshire | Con (front bench) | aye |
Sally Keeble | Northampton North | Lab (minister) | no |
Ian Gibson | Norwich North | Lab | no |
John Heppell | Nottingham East | Lab (minister) | no |
Alan Simpson | Nottingham South | Lab | no |
Bill Olner | Nuneaton | Lab (minister) | no |
Gordon Banks | Ochil and South Perthshire | Lab (minister) | no |
Huw Irranca-Davies | Ogmore | Lab | no |
Phil Woolas | Oldham East and Saddleworth | Lab (minister) | no |
Alistair Carmichael | Orkney and Shetland | LDem (front bench) | aye |
Andrew Smith | Oxford East | Lab | no |
Jim Sheridan | Paisley and Renfrewshire North | Lab | no |
Gordon Prentice | Pendle | Lab (minister) | no |
Pete Wishart | Perth and North Perthshire | SNP (front bench) | aye |
Stewart Jackson | Peterborough | Con (front bench) | aye |
Linda Gilroy | Plymouth, Sutton | Lab (minister) | no |
Sarah McCarthy-Fry | Portsmouth North | Lab (minister) | no |
Stephen Crabb | Preseli Pembrokeshire | Con | aye |
Mark Hendrick | Preston | Lab | no |
Justine Greening | Putney | Con (front bench) | aye |
Rob Wilson | Reading East | Con (front bench) | aye |
Martin Salter | Reading West | Lab | no |
Vera Baird | Redcar | Lab | no |
Jacqui Smith | Redditch | Lab (minister) | no |
Chris Bryant | Rhondda | Lab | no |
William Hague | Richmond (Yorks) | Con | aye |
Charles Kennedy | Ross, Skye and Lochaber | LDem (front bench) | aye |
Janet Anderson | Rossendale and Darwen | Lab (minister) | no |
Kevin Barron | Rother Valley | Lab (minister) | no |
Jeremy Wright | Rugby and Kenilworth | Con | aye |
Nick Hurd | Ruislip - Northwood | Con (front bench) | aye |
Thomas McAvoy | Rutherglen and Hamilton West | Lab (minister) | no |
Alan Duncan | Rutland and Melton | Con (front bench) | aye |
John Greenway | Ryedale | Con | aye |
Hazel Blears | Salford | Lab (minister) | no |
Robert Goodwill | Scarborough and Whitby | Con (front bench) | aye |
Richard Caborn | Sheffield Central | Lab (minister) | no |
Clive Betts | Sheffield, Attercliffe | Lab (minister) | no |
Angela Smith | Sheffield, Hillsborough | Lab (minister) | no |
Paddy Tipping | Sherwood | Lab | no |
Derek Wyatt | Sittingbourne and Sheppey | Lab | no |
Fiona Mactaggart | Slough | Lab (minister) | no |
David Heath | Somerton and Frome | LDem (front bench) | aye |
Andrew Lansley | South Cambridgeshire | Con (front bench) | aye |
Mark Todd | South Derbyshire | Lab (minister) | no |
Jim Knight | South Dorset | Lab (minister) | no |
Richard Bacon | South Norfolk | Con (front bench) | aye |
David Borrow | South Ribble | Lab (minister) | no |
Anne Snelgrove | South Swindon | Lab | no |
Stephen Ladyman | South Thanet | Lab (minister) | no |
Andrew Selous | South West Bedfordshire | Con (front bench) | tellaye |
Jeremy Hunt | South West Surrey | Con (front bench) | aye |
John Denham | Southampton, Itchen | Lab (minister) | no |
Alan Whitehead | Southampton, Test | Lab (minister) | no |
Sir David Amess | Southend West | Con (front bench) | aye |
Anne Main | St Albans | Con (front bench) | aye |
Dave Watts | St Helens North | Lab (minister) | tellno |
David Kidney | Stafford | Lab (minister) | no |
Charlotte Atkins | Staffordshire Moorlands | Lab (minister) | no |
James Purnell | Stalybridge and Hyde | Lab (minister) | no |
Frank Cook | Stockton North | Lab | no |
Dari Taylor | Stockton South | Lab | no |
Mark Fisher | Stoke-on-Trent Central | Lab | no |
Joan Walley | Stoke-on-Trent North | Lab (minister) | no |
Rob Flello | Stoke-on-Trent South | Lab | no |
Bill Cash | Stone | Con (front bench) | aye |
Iris Robinson | Strangford | DUP | aye |
John Maples | Stratford-on-Avon | Con (front bench) | aye |
Keith Hill | Streatham | Lab | no |
David Drew | Stroud | Lab (minister) | no |
Michael Gove | Surrey Heath | Con (front bench) | aye |
Siân James | Swansea East | Lab (minister) | no |
Alan Williams | Swansea West | Lab (minister) | no |
Brian Jenkins | Tamworth | Lab (minister) | no |
David Wright | Telford | Lab | no |
Laurence Robertson | Tewkesbury | Con (front bench) | aye |
Mark Pritchard | The Wrekin | Con (front bench) | aye |
Andrew MacKinlay | Thurrock | Lab (minister) | no |
John Stanley | Tonbridge and Malling | Con (front bench) | aye |
Sadiq Khan | Tooting | Lab (minister) | no |
Paul Murphy | Torfaen | Lab (minister) | no |
Anthony Steen | Totnes | Con (front bench) | aye |
David Clelland | Tyne Bridge | Lab (minister) | no |
John Randall | Uxbridge | Con (front bench) | aye |
Chris Ruane | Vale of Clwyd | Lab | no |
Kate Hoey | Vauxhall | Lab (minister) | no |
Mary Creagh | Wakefield | Lab (minister) | no |
Angela Eagle | Wallasey | Lab (minister) | no |
David Winnick | Walsall North | Lab (minister) | no |
Bruce George | Walsall South | Lab | no |
Dan Norris | Wansdyke | Lab (minister) | no |
Ed Vaizey | Wantage | Con | aye |
John Spellar | Warley | Lab | no |
James Plaskitt | Warwick and Leamington | Lab (minister) | no |
Charles Hendry | Wealden | Con (front bench) | aye |
Mike Hall | Weaver Vale | Lab (minister) | no |
David Heathcoat-Amory | Wells | Con (front bench) | aye |
Grant Shapps | Welwyn Hatfield | Con (front bench) | aye |
John Healey | Wentworth | Lab (minister) | no |
Robert Smith | West Aberdeenshire and Kincardine | LDem (front bench) | aye |
Tom Watson | West Bromwich East | Lab (minister) | no |
Adrian Bailey | West Bromwich West | Lab | no |
Oliver Letwin | West Dorset | Con (front bench) | aye |
John McFall | West Dunbartonshire | Lab (minister) | no |
Lyn Brown | West Ham | Lab | no |
Rosie Cooper | West Lancashire | Lab (minister) | no |
Michael Spicer | West Worcestershire | Con (front bench) | aye |
Andrew Murrison | Westbury | Con (front bench) | aye |
Neil Turner | Wigan | Lab | no |
Stephen Hammond | Wimbledon | Con (front bench) | aye |
Ben Chapman | Wirral South | Lab (minister) | no |
Stephen Hesford | Wirral West | Lab | no |
Ken Purchase | Wolverhampton North East | Lab (minister) | no |
Pat McFadden | Wolverhampton South East | Lab | no |
Rob Marris | Wolverhampton South West | Lab (minister) | no |
Michael Foster | Worcester | Lab | no |
Tony Cunningham | Workington | Lab (minister) | no |
Barbara Keeley | Worsley | Lab | no |
Peter Bottomley | Worthing West | Con (front bench) | aye |
Ian Lucas | Wrexham | Lab | no |
Paul Goodman | Wycombe | Con (front bench) | aye |
Richard Taylor | Wyre Forest | Independent (front bench) | aye |
Paul Goggins | Wythenshawe and Sale East | Lab (minister) | no |
Albert Owen | Ynys Môn | Lab (minister) | no |