Financial Guidance and Claims Bill [HL] — Report (2nd Day) — 31 Oct 2017 at 16:30

Moved by Lord Stevenson of Balmacara

22: After Clause 2, insert the following new Clause-“Debt respite scheme(1) As part of its debt advice function, the single financial guidance body must operate a debt respite scheme (“the scheme”) under which authorised debt advice providers who approach the single financial guidance body for further advice or guidance in relation to a specific case may receive statutory protections for their clients in respect of the relevant debts for the period during which advice or guidance is being sought.(2) The Secretary of State must make regulations by statutory instrument detailing the operation of the scheme by the single financial guidance body under subsection (1).(3) The regulations must limit access to the scheme to persons who have received debt advice from a debt advice provider who has been authorised by the FCA.(4) The regulations must make provision about the length of a period or periods where the protections under the scheme will apply.(5) The regulations must set out the terms of the scheme, including but not limited to-(a) the nature of relevant debts for the purpose of the scheme; (b) the process and conditions of eligibility under which FCA authorised debt advice providers are able to apply for statutory protections for their clients under the scheme;(c) the criteria under which FCA authorised debt advice providers will be authorised to advise persons on the scheme, support applications to the scheme, and operate designated debt management plans for persons while under the statutory protections of the scheme;(d) the limitations to be placed on actions that may be taken by creditors against persons in receipt of statutory protection under the scheme;(e) the method for determining the level and timing of debt repayments by a person while under the statutory protections of the scheme;(f) safeguards to protect the integrity of the scheme;(g) the arrangements to be made to create a central register of persons admitted to the scheme; and(h) the arrangements to be made to ensure that creditors of persons on the scheme are kept informed.(6) A statutory instrument containing regulations under subsection (2) may not be made unless a draft instrument has been laid before, and approved by a resolution of, each House of Parliament.(7) The Secretary of State must make regulations under subsection (2) within 12 months of the commencement of this section, subject to subsection (6).(8) This section commences on the day on which this Act is passed.”

Moved by Lord Sharkey

24: Clause 3, page 3, line 15, at end insert-“( ) In Schedule 3 to the Pensions Schemes Act 2015 (pensions guidance), after paragraph 6(3) insert-“(3A) In determining what provision to include in the rules, the FCA must include a requirement for the trustees or managers of a relevant pension scheme to ask members of the scheme or survivors of members of the scheme at the point at which they require access to or individual transfer of their pension assets, if they have received the information and guidance available under section 3 of the Financial Guidance and Claims Act 2017 (specific requirements as to the pensions guidance function); and if they have not received such information and guidance the FCA may require the relevant trustee or manager to provide access to such information and guidance before proceeding.””

Ayes 283, Noes 201.

Debate in Parliament |

Public Whip is run as a free not-for-profit free service. If you'd like to support us, please consider switching your electricity and/or gas to Bulb Energy who provide 100% renewable electricity and tend to be 20% cheaper than the 'Big Six'. They'll also pay any exit fees (up to £120) from your old supplier AND give you (and us) a £50 credit for joining up via our Bulb Referral Link.

All Votes Cast - sorted by party

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

Sort by: Name | Party | Vote

NamePartyVote
The Bishop of OxfordBishop (front bench)aye
The Bishop of St AlbansBishopaye
Baroness Altmann Conaye
Lord Deben Conaye
Lord Lupton Conaye
Baroness Wheatcroft Conaye
Lord Agnew of OultonCon (front bench)no
Baroness Anelay of St JohnsConno
Lord Arbuthnot of EdromConno
Lord Ashton of HydeCon (front bench)no
Lord Astor of HeverConno
Earl Attlee Conno
Lord Balfe Con (front bench)no
Lord Barker of BattleConno
Lord Bates Con (front bench)no
Lord Bell Conno
Baroness Berridge Con (front bench)no
Baroness Bertin Con (front bench)no
Lord Blackwell Conno
Lord Blencathra Con (front bench)no
Baroness Bloomfield of Hinton WaldristCon (front bench)no
Lord Borwick Con (front bench)no
Lord Bourne of AberystwythCon (front bench)no
Lord Bowness Conno
Lord Brabazon of TaraCon (front bench)no
Baroness Brady Conno
Viscount Bridgeman Con (front bench)no
Lord Brougham and Vaux Con (front bench)no
Baroness Buscombe Con (front bench)no
Baroness Byford Con (front bench)no
Lord Caine Conno
The Earl of CaithnessCon (front bench)no
Lord Callanan Con (front bench)no
Lord Carrington of FulhamConno
Earl Cathcart Con (front bench)no
Lord Cavendish of FurnessCon (front bench)no
Lord Chadlington Conno
Baroness Chalker of WallaseyConno
Baroness Chisholm of OwlpenCon (front bench)no
Lord Colgrain Con (front bench)no
Lord Colwyn Conno
Lord Cooper of WindrushConno
Lord Cope of BerkeleyCon (front bench)no
Lord Cormack Con (front bench)no
The Earl of CourtownCon (front bench)tellno
Baroness Couttie Con (front bench)no
Lord Crathorne Conno
Lord Dixon-Smith Conno
Lord Duncan of SpringbankCon (front bench)no
The Earl of DundeeConno
Lord Dunlop Con (front bench)no
Baroness Eaton Conno
Viscount Eccles Con (front bench)no
Lord Elton Con (front bench)no
Baroness Evans of Bowes ParkCon (front bench)no
Lord Fairfax of CameronConno
Baroness Fairhead Con (front bench)no
Baroness Fall Con (front bench)no
Lord Farmer Conno
Lord Faulks Conno
Lord Fellowes of West StaffordConno
Baroness Finn Con (front bench)no
Lord Forsyth of DrumleanCon (front bench)no
Lord Framlingham Conno
Lord Fraser of CorriegarthCon (front bench)no
Lord Freeman Conno
Lord Freud Conno
Lord Gardiner of KimbleCon (front bench)no
Baroness Gardner of ParkesConno
Lord Garel-Jones Conno
Lord Geddes Con (front bench)no
Lord Gilbert of PantegCon (front bench)no
Lord Glenarthur Con (front bench)no
Baroness Goldie Con (front bench)no
Lord Goodlad Con (front bench)no
Lord Grade of YarmouthConno
Lord Griffiths of FforestfachCon (front bench)no
Lord Hague of RichmondConno
Lord Hamilton of EpsomConno
Baroness Hanham Conno
Baroness Harding of WinscombeCon (front bench)no
Lord Harris of PeckhamConno
Lord Hayward Con (front bench)no
Baroness Helic Con (front bench)no
Lord Henley Con (front bench)no
Lord Higgins Conno
Lord Hill of OarefordConno
Baroness Hodgson of AbingerConno
Lord Holmes of RichmondCon (front bench)no
The Earl of HomeConno
Baroness Hooper Con (front bench)no
Lord Horam Con (front bench)no
Lord Howard of LympneConno
Lord Howard of RisingConno
Earl Howe Con (front bench)no
Lord Hunt of WirralCon (front bench)no
Lord Inglewood Con (front bench)no
Lord James of BlackheathConno
Baroness Jenkin of KenningtonConno
Lord Jopling Con (front bench)no
Lord Keen of ElieCon (front bench)no
Lord King of BridgwaterConno
Lord Kirkhope of HarrogateCon (front bench)no
Lord Lamont of LerwickCon (front bench)no
Lord Lang of MonktonCon (front bench)no
Lord Lansley Con (front bench)no
Lord Lawson of BlabyConno
Lord Leigh of HurleyConno
Lord Lexden Con (front bench)no
The Earl of LindsayCon (front bench)no
Lord Lingfield Conno
The Earl of LiverpoolConno
The Marquess of LothianCon (front bench)no
Lord MacGregor of Pulham MarketCon (front bench)no
Lord Mancroft Conno
Baroness Manzoor Con (front bench)no
Lord Marlesford Conno
Lord McColl of DulwichConno
Lord McInnes of KilwinningConno
Baroness McIntosh of PickeringConno
The Duke of MontroseCon (front bench)no
Baroness Morris of BoltonCon (front bench)no
Lord Moynihan Con (front bench)no
Lord Naseby Con (front bench)no
Lord Nash Conno
Baroness Neville-Jones Con (front bench)no
Baroness Neville-Rolfe Con (front bench)no
Baroness Newlove Con (front bench)no
Baroness Noakes Con (front bench)no
Lord Norton of LouthCon (front bench)no
Baroness O'Cathain Con (front bench)no
Lord O'Shaughnessy Con (front bench)no
Baroness Oppenheim-Barnes Conno
Lord Palumbo Conno
Lord Patten Conno
Baroness Pidding Conno
Lord Popat Conno
Lord Porter of SpaldingConno
Lord Price Conno
Lord Prior of BramptonConno
Baroness Rawlings Con (front bench)no
Baroness Redfern Con (front bench)no
Viscount Ridley Con (front bench)no
Lord Risby Con (front bench)no
Lord Robathan Conno
Baroness Rock Con (front bench)no
Lord Rotherwick Conno
Lord Ryder of WensumConno
Lord Sanderson of BowdenConno
Lord Sassoon Conno
Baroness Seccombe Con (front bench)no
The Earl of SelborneConno
Lord Selkirk of DouglasCon (front bench)no
Lord Selsdon Conno
Baroness Sharples Conno
Lord Sheikh Conno
Lord Sherbourne of DidsburyCon (front bench)no
Baroness Shields Conno
Lord Shinkwin Conno
Lord Skelmersdale Con (front bench)no
Lord Smith of HindheadCon (front bench)no
Lord Spicer Conno
Baroness Stedman-Scott Con (front bench)no
Lord Sterling of PlaistowConno
Baroness Stowell of BeestonConno
Lord Strathclyde Conno
Baroness Stroud Conno
Baroness Sugg Con (front bench)no
Lord Suri Conno
Lord Swinfen Con (front bench)no
Lord Taylor of HolbeachCon (front bench)tellno
Lord Trimble Con (front bench)no
Lord True Con (front bench)no
Lord Tugendhat Con (front bench)no
Viscount Ullswater Con (front bench)no
Baroness Vere of NorbitonCon (front bench)no
Baroness Verma Con (front bench)no
Lord Vinson Conno
Lord Wakeham Con (front bench)no
Baroness Warsi Conno
Lord Wasserman Conno
Lord Wei Con (front bench)no
The Duke of WellingtonConno
Lord Whitby Conno
Baroness Wilcox Con (front bench)no
Baroness Williams of TraffordCon (front bench)no
Lord Young of CookhamCon (front bench)no
Viscount Younger of LeckieCon (front bench)no
Lord Aberdare Crossbench (front bench)aye
Lord Alton of LiverpoolCrossbenchaye
Lord Best Crossbenchaye
Lord Bichard Crossbenchaye
Lord Birt Crossbenchaye
Lord Boyce Crossbenchaye
Viscount Brookeborough Crossbenchaye
Baroness Brown of CambridgeCrossbench (front bench)aye
The Earl of ClancartyCrossbenchaye
Baroness Coussins Crossbench (front bench)aye
Viscount Craigavon Crossbenchaye
Lord Craig of RadleyCrossbench (front bench)aye
Lord Crisp Crossbench (front bench)aye
Lord Curry of KirkharleCrossbench (front bench)aye
Lord Eames Crossbench (front bench)aye
Lord Elystan-Morgan Crossbenchaye
The Earl of ErrollCrossbenchaye
Viscount Falkland Crossbench (front bench)aye
Baroness Finlay of LlandaffCrossbenchaye
Lord Freyberg Crossbenchaye
Baroness Hayman Crossbenchaye
Baroness Hollins Crossbenchaye
Baroness Howe of IdlicoteCrossbenchaye
Lord Kerr of KinlochardCrossbench (front bench)aye
Baroness Kidron Crossbench (front bench)aye
The Earl of KinnoullCrossbench (front bench)aye
Lord Laming Crossbench (front bench)aye
Lord Low of DalstonCrossbench (front bench)aye
The Earl of LyttonCrossbenchaye
Lord Mair Crossbench (front bench)aye
The Countess of MarCrossbench (front bench)aye
Baroness Masham of IltonCrossbenchaye
Baroness Meacher Crossbench (front bench)aye
Baroness Morgan of DrefelinCrossbenchaye
Baroness O'Neill of BengarveCrossbench (front bench)aye
Lord Oxburgh Crossbench (front bench)aye
Lord Patel Crossbench (front bench)aye
Lord Rowe-Beddoe Crossbench (front bench)aye
The Earl of SandwichCrossbenchaye
Lord Singh of WimbledonCrossbenchaye
Lord Skidelsky Crossbench (front bench)aye
Baroness Stern Crossbenchaye
Lord Thurlow Crossbench (front bench)aye
Lord Trees Crossbenchaye
Lord Turnbull Crossbench (front bench)aye
Lord Vaux of HarrowdenCrossbenchaye
Baroness Watkins of TavistockCrossbench (front bench)aye
Lord Wilson of TillyornCrossbenchaye
Baroness Young of HornseyCrossbenchaye
Lord Armstrong of IlminsterCrossbench (front bench)no
Viscount Colville of CulrossCrossbench (front bench)no
Lord Fellowes Crossbench (front bench)no
Lord Greenway Crossbenchno
Lord Janvrin Crossbench (front bench)no
Lord Kakkar Crossbench (front bench)no
Lord Kilclooney Crossbenchno
Lord Macpherson of Earl's CourtCrossbenchno
Lord Ramsbotham Crossbenchno
The Duke of SomersetCrossbenchno
Lord St John of BletsoCrossbench (front bench)no
Viscount Waverley Crossbenchno
Lord Browne of BelmontDUPno
Lord Hay of BallyoreDUPno
Lord Morrow DUPno
Lord Stoddart of SwindonIndependent Labouraye
Baroness Tonge Independent Liberal Democrataye
Lord Hope of CraigheadJudge (front bench)aye
Baroness Adams of CraigieleaLabaye
Lord Adonis Labaye
Lord Anderson of SwanseaLab (minister)aye
Baroness Andrews Lab (minister)aye
Baroness Armstrong of Hill TopLab (minister)aye
Baroness Bakewell Lab (minister)aye
Lord Bassam of BrightonLab (minister)aye
Lord Beecham Lab (minister)aye
Lord Berkeley Labaye
Baroness Blackstone Lab (minister)aye
Baroness Blood Labaye
Lord Blunkett Lab (minister)aye
Lord Bradley Labaye
Lord Bragg Labaye
Lord Brennan Labaye
Lord Brookman Labaye
Lord Browne of LadytonLabaye
Lord Campbell-Savours Lab (minister)aye
Lord Carter of ColesLab (minister)aye
Lord Cashman Lab (minister)aye
Baroness Chakrabarti Lab (minister)aye
Lord Christopher Labaye
Lord Clarke of HampsteadLabaye
Lord Clark of WindermereLabaye
Lord Collins of HighburyLab (minister)aye
Baroness Corston Lab (minister)aye
Baroness Crawley Lab (minister)aye
Lord Cunningham of FellingLab (minister)aye
Lord Darling of RoulanishLab (minister)aye
Lord Davidson of Glen ClovaLab (minister)aye
Lord Davies of OldhamLab (minister)aye
Lord Desai Lab (minister)aye
Baroness Donaghy Lab (minister)aye
Lord Donoughue Labaye
Baroness Drake Lab (minister)aye
Lord Dubs Lab (minister)aye
Lord Elder Labaye
Lord Evans of WatfordLabaye
Baroness Farrington of RibbletonLab (minister)aye
Lord Faulkner of WorcesterLab (minister)aye
Lord Foulkes of CumnockLab (minister)aye
Baroness Gale Lab (minister)aye
Lord Giddens Lab (minister)aye
Baroness Golding Labaye
Lord Gordon of StrathblaneLab (minister)aye
Baroness Goudie Lab (minister)aye
Baroness Gould of PotternewtonLab (minister)aye
Lord Grantchester Lab (minister)aye
Lord Grocott Lab (minister)aye
Lord Hain Labaye
Viscount Hanworth Lab (minister)aye
Lord Harris of HaringeyLabaye
Lord Haskel Lab (minister)aye
Lord Haworth Labaye
Baroness Hayter of Kentish TownLab (minister)aye
Baroness Healy of Primrose HillLabaye
Baroness Henig Lab (minister)aye
Lord Hollick Lab (minister)aye
Baroness Hollis of HeighamLab (minister)aye
Lord Howarth of NewportLab (minister)aye
Baroness Howells of St DavidsLabaye
Lord Howie of TroonLabaye
Lord Hoyle Labaye
Lord Hughes of WoodsideLabaye
Baroness Jay of PaddingtonLab (minister)aye
Lord Jones Lab (minister)aye
Baroness Jones of WhitchurchLab (minister)aye
Lord Judd Lab (minister)aye
Baroness Kennedy of CradleyLabaye
Lord Kennedy of SouthwarkLab (minister)aye
Baroness Kennedy of The ShawsLab (minister)aye
Lord Kinnock Labaye
Baroness Kinnock of HolyheadLabaye
Lord Kirkhill Labaye
Baroness Lawrence of ClarendonLab (minister)aye
Lord Layard Lab (minister)aye
Lord Lea of CrondallLabaye
Lord Lennie Lab (minister)aye
Baroness Liddell of CoatdykeLab (minister)aye
Lord Liddle Lab (minister)aye
Lord Lipsey Lab (minister)aye
Lord Livermore Lab (minister)aye
Baroness Mallalieu Lab (minister)aye
Baroness Massey of DarwenLab (minister)aye
Lord Maxton Lab (minister)aye
Lord McAvoy Lab (minister)aye
Lord McConnell of GlenscorrodaleLabaye
Baroness McDonagh Labaye
Baroness McIntosh of HudnallLab (minister)aye
Lord McKenzie of LutonLab (minister)aye
Lord Mendelsohn Lab (minister)aye
Lord Mitchell Labaye
Lord Monks Labaye
Lord Morris of AberavonLab (minister)aye
Lord Morris of HandsworthLab (minister)aye
Lord Murphy of TorfaenLabaye
Baroness Nye Labaye
Lord O'Neill of ClackmannanLab (minister)aye
Lord Patel of BradfordLabaye
Lord Pendry Labaye
Lord Ponsonby of ShulbredeLabaye
Lord Prescott Labaye
Baroness Primarolo Labaye
Lord Puttnam Lab (minister)aye
Baroness Quin Lab (minister)aye
Lord Radice Labaye
Baroness Ramsay of CartvaleLabaye
Baroness Rebuck Labaye
Lord Richard Labaye
Lord Robertson of Port EllenLabaye
Lord Rooker Lab (minister)aye
Lord Rosser Lab (minister)aye
Lord Rowlands Lab (minister)aye
Lord Sawyer Labaye
Baroness Sherlock Lab (minister)aye
Viscount Simon Lab (minister)aye
Baroness Smith of BasildonLab (minister)aye
Baroness Smith of GilmorehillLabaye
Lord Smith of LeighLabaye
Lord Snape Labaye
Lord Soley Lab (minister)aye
Lord Stevenson of BalmacaraLab (minister)aye
Baroness Taylor of BoltonLab (minister)aye
Lord Temple-Morris Labaye
Baroness Thornton Labaye
Lord Tomlinson Labaye
Lord Touhig Labaye
Lord Tunnicliffe Lab (minister)aye
Lord Warner Labaye
Baroness Warwick of UndercliffeLab (minister)aye
Lord Watson of InvergowrieLab (minister)aye
Lord Watts Lab (minister)aye
Lord West of SpitheadLabaye
Baroness Wheeler Lab (minister)aye
Baroness Whitaker Lab (minister)aye
Lord Whitty Lab (minister)aye
Lord Winston Labaye
Lord Wood of AnfieldLab (minister)aye
Lord Woolmer of LeedsLab (minister)aye
Baroness Young of Old SconeLab (minister)aye
Lord Addington LDem (front bench)aye
Lord Allan of HallamLDemaye
Baroness Barker LDem (front bench)aye
Lord Beith LDem (front bench)aye
Baroness Benjamin LDem (front bench)aye
Baroness Bonham-Carter of YarnburyLDem (front bench)aye
Baroness Bowles of BerkhamstedLDem (front bench)aye
Lord Bradshaw LDemaye
Baroness Brinton LDem (front bench)aye
Lord Bruce of BennachieLDem (front bench)aye
Baroness Burt of SolihullLDemaye
Lord Campbell of PittenweemLDem (front bench)aye
Lord Chidgey LDemaye
Lord Clement-Jones LDem (front bench)aye
Lord Cotter LDemaye
Lord Dholakia LDem (front bench)aye
Baroness Doocey LDem (front bench)aye
Baroness Falkner of MargravineLDem (front bench)aye
Lord Fearn LDemaye
Baroness Featherstone LDem (front bench)aye
Lord Fox LDem (front bench)aye
Baroness Garden of FrognalLDem (front bench)aye
Lord German LDem (front bench)aye
The Earl of GlasgowLDem (front bench)aye
Lord Goddard of StockportLDem (front bench)aye
Lord Greaves LDemaye
Baroness Grender LDem (front bench)aye
Baroness Hamwee LDem (front bench)aye
Baroness Harris of RichmondLDem (front bench)aye
Baroness Hussein-Ece LDem (front bench)aye
Baroness Jolly LDem (front bench)aye
Lord Kirkwood of KirkhopeLDem (front bench)aye
Baroness Kramer LDem (front bench)aye
Lord Lee of TraffordLDemaye
Baroness Ludford LDem (front bench)aye
Baroness Maddock LDem (front bench)tellaye
Lord Marks of Henley-on-ThamesLDem (front bench)aye
Lord McNally LDemaye
Lord Newby LDem (front bench)aye
Baroness Northover LDem (front bench)aye
Lord Paddick LDem (front bench)aye
Lord Palmer of Childs HillLDemaye
Lord Purvis of TweedLDem (front bench)aye
Baroness Randerson LDem (front bench)aye
Lord Razzall LDem (front bench)aye
Lord Rennard LDem (front bench)aye
Lord Roberts of LlandudnoLDemaye
Lord Sharkey LDem (front bench)aye
Baroness Sheehan LDem (front bench)aye
Lord Shipley LDemaye
Lord Smith of CliftonLDemaye
Baroness Smith of NewnhamLDem (front bench)aye
Lord Steel of AikwoodLDemaye
Lord Stephen LDemaye
Lord Stoneham of DroxfordLDem (front bench)tellaye
Lord Strasburger LDemaye
Lord Stunell LDemaye
Baroness Suttie LDem (front bench)aye
Lord Taverne LDemaye
Lord Taylor of Goss MoorLDemaye
Lord Teverson LDem (front bench)aye
Lord Thomas of GresfordLDem (front bench)aye
Baroness Thomas of WinchesterLDem (front bench)aye
Baroness Thornhill LDemaye
Viscount Thurso LDemaye
Lord Tope LDemaye
Lord Tyler LDem (front bench)aye
Baroness Tyler of EnfieldLDemaye
Lord Wallace of SaltaireLDem (front bench)aye
Lord Wallace of TankernessLDemaye
Baroness Walmsley LDem (front bench)aye
Lord Watson of RichmondLDemaye
Lord Willis of KnaresboroughLDemaye
Lord Wrigglesworth LDemaye
Lord Dykes LDem (front bench)no
Lord Ahmed Non-affiliatedaye
Lord Bhatia Non-affiliatedaye
Baroness D'Souza Non-affiliatedaye
Lord Eatwell Non-affiliatedaye
Baroness Ford Non-affiliated (front bench)aye
Lord Hussain Non-affiliatedaye
Lord Mackenzie of FramwellgateNon-affiliatedaye
Lord Paul Non-affiliatedaye
Lord Truscott Non-affiliatedaye
Baroness Uddin Non-affiliatedaye
Lord Kalms Non-affiliatedno
Lord Taylor of WarwickNon-affiliatedno
Lord Rogan UUPaye
Lord Empey UUPno

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.

PublicWhip v2 codebase is currently under development - you can join the Slack group to find out more or email [email protected]

The Whip on the Web

Help keep PublicWhip alive