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Financial Guidance and Claims Act 2018

Government Bill

Originated in the House of Lords, Session 2017-19

Act of Parliament (1)

Full text of the Act of Parliament as passed by Parliament (this is the Act in its original state. The Act may have been amended by another Act and any such amendments are not shown in this version).

Financial Guidance and Claims Act 2018 (c. 10)
10 May 2018

Full text of the Bill as introduced and further versions of the Bill as it is reprinted to incorporate amendments (proposals for change) made during its passage through Parliament.

24 April 2018
Lords
6 February 2018
Commons
23 November 2017
Commons
1 November 2017
Lords
22 June 2017
Lords

Tracked changes versions of the Bill, showing amendments made in Committee of the whole House and in Public Bill Committees in the House of Commons. Please note that these are unofficial versions and may not be completely accurate.

Version of the bill showing changes made in committee
8 February 2018
Commons
Version of the bill showing changes made in Committee
7 February 2018
Commons

Documents to explain the purpose of the Bill.

25 April 2018
Lords
23 November 2017
Commons
22 June 2017
Lords

In the House of Commons, amendments are grouped together so that amendments relating to a particular topic or issue are discussed together.

Consideration on Report
23 April 2018
Commons
Consideration on Report
26 March 2018
Commons
Consideration on Report
12 March 2018
Commons
Consideration in Committee: Selection 1
31 January 2018
Commons

The Government provide a delegated powers memorandum for all public (including hybrid) bills to justify the delegation of powers, usually to Ministers, in the bill. For reports of the Delegated Powers and Regulatory Reform Committee, see “Select Committee Reports”.

Financial Guidance and Claims Bill [HL]: Supplementary Delegated Powers Memorandum (4)
25 April 2018
Lords
Supplementary Delegated Powers Memorandum - 5 March 2018
5 March 2018
Commons
Supplementary Delegated Powers Memorandum - 26 January 2018
26 January 2018
Commons
Financial Guidance and Claims Bill [HL]: Supplementary Delegated Powers Memorandum (3)
21 November 2017
Lords
Financial Guidance and Claims Bill [HL]: Supplementary Delegated Powers Memorandum (2)
14 November 2017
Lords
Financial Guidance and Claims Bill [HL]: Supplementary Delegated Powers Memorandum
18 October 2017
Lords
Financial Guidance and Claims Bill [HL]: Delegated Powers Memorandum
28 June 2017
Lords

Under the 'English votes for English laws' procedure, which applied from 23 October 2015 until it was suspended on 22 April 2020 (and finally rescinded on 13 July 2021),the Speaker certified Bills, or provisions of Bills, as relating exclusively to England, and/or to England and Wales. In relation to Finance Bills, the Speaker could certify founding financial motions, or clauses or schedules, as relating exclusively to England, Wales and Northern Ireland.The text of certificates issued by the Speaker, and information prepared by the Government on how government amendments affect the territorial application of provisions of the bill, are available here. (Similar information about the bill itself could be found in the Explanatory Notes – see above.).

Legislative Grand Committee England and Wales Consent Motion 24 April 2018
24 April 2018
Commons
Speaker's Certificate 24 April 2018
24 April 2018
Commons
Departmental Assessment of Government Amendments - 18 April 2018
23 April 2018
Commons
Departmental Assessment of Government Amendments - 8 March 2018
8 March 2018
Commons
Departmental Assessment of Amendments - 6 February 2018
6 February 2018
Commons
Speaker's Certificate 2017-19
17 January 2018
Commons

Full list of amendment papers relating to the Bill. Individual amendment papers will be replaced with consolidated lists before the amendments are discussed. Page and line references in amendment papers refer to the PDF version of the Bill.

HL Bill 97-I Marshalled list for consideration of Commons amendments
30 April 2018
Lords
Consideration of Bill Amendments as at 24 April 2018
24 April 2018
Commons
23 April 2018
Commons
19 April 2018
Commons
18 April 2018
Commons
13 April 2018
Commons
3 April 2018
Commons
28 March 2018
Commons
Consideration of Bill Amendments as at 27 March 2018
27 March 2018
Commons
26 March 2018
Commons
23 March 2018
Commons
22 March 2018
Commons
20 March 2018
Commons
16 March 2018
Commons
15 March 2018
Commons
14 March 2018
Commons
Consideration of Bill Amendments as at 12 March 2018
12 March 2018
Commons
9 March 2018
Commons
8 March 2018
Commons
7 March 2018
Commons
6 March 2018
Commons
5 March 2018
Commons
2 March 2018
Commons
Notices of Amendments as at 16 February 2018
19 February 2018
Commons
Public Bill Committee Amendments as at 6 February 2018
6 February 2018
Commons
Notices of Amendments as at 1 February 2018
2 February 2018
Commons
Public Bill Committee Amendments as at 1 February 2018
1 February 2018
Commons
Notices of Amendments as at 30 January 2018
31 January 2018
Commons
Notices of Amendments as at 29 January 2018
30 January 2018
Commons
Notices of Amendments as at 25 January 2018
26 January 2018
Commons
HL Bill 70-I Marshalled list for Third Reading
20 November 2017
Lords
HL Bill 70(d) Amendments for Third Reading
17 November 2017
Lords
HL Bill 70(c) Amendments for Third Reading
15 November 2017
Lords
HL Bill 70(b) Amendments for Third Reading
14 November 2017
Lords
HL Bill 70(a) Amendment for Third Reading
8 November 2017
Lords
HL Bill 1-R-II Second marshalled list for Report
27 October 2017
Lords
HL Bill 1-R-I Marshalled list for Report
20 October 2017
Lords
HL Bill 1-R(f) Amendment for Report
19 October 2017
Lords
HL Bill 1-R(e) Amendment for Report
18 October 2017
Lords
HL Bill 1-R(d) Amendments for Report
17 October 2017
Lords
HL Bill 1-R(c) Amendments for Report
16 October 2017
Lords
HL Bill 1-R(b) Amendment for Report
12 October 2017
Lords
HL Bill 1-R(a) Amendments for Report
10 October 2017
Lords
HL Bill 1-IV(Rev) Revised fourth marshalled list for Committee
12 September 2017
Lords
HL Bill 1-IV Fourth marshalled list for Committee
11 September 2017
Lords
HL Bill 1-III(a) Amendment for Committee, supplementary to the third marshalled list
8 September 2017
Lords
HL Bill 1-III Third marshalled list for Committee
7 September 2017
Lords
HL Bill 1-II Second marshalled list for Committee
4 September 2017
Lords
HL Bill 1-I(Rev)(a) Amendment for Committee, supplementary to the revised marshalled list
21 July 2017
Lords
HL Bill 1-I(Rev) Revised marshalled list for Committee
18 July 2017
Lords
HL Bill 1-I Marshalled list for Committee
17 July 2017
Lords
HL Bill 1(g) Amendments for Committee
14 July 2017
Lords
HL Bill 1(f) Amendments for Committee
13 July 2017
Lords
HL Bill 1(e) Amendments for Committee
12 July 2017
Lords
HL Bill 1(d) Amendments for Committee
11 July 2017
Lords
HL Bill 1(c) Amendments for Committee
10 July 2017
Lords
HL Bill 1(b) Amendments for Committee
7 July 2017
Lords
HL Bill 1(a) Amendments for Committee
6 July 2017
Lords

Details of proceedings in Public Bill Committee or Committee of the whole House, on any report (consideration) stage, and on any consideration of Lords Amendments or any subsequent Lords Messages. The documents contain the text of amendments considered at each sitting and show whether it was agreed to, negatived (not agreed), not called, not moved or withdrawn.

Report Stage Proceedings as at 24 April 2018
25 April 2018
Commons
7 February 2018
Commons
Public Bill Committee Proceedings as at 6 February 2018
7 February 2018
Commons
Public Bill Committee Proceedings as at 1 February 2018
2 February 2018
Commons

House of Commons Library and House of Lords Library briefing papers aim to be politically impartial, containing factual information as well as a range of opinions on each subject. Briefing papers on Bills are produced before Second Reading and, in the Commons, after Committee Stage.

Briefing Paper on the Bill and Act
15 August 2018
Commons

The following select committee reports have been identified as relevant to the debate on the Bill.

Report by the Work and Pensions Select Committee relating to the Bill
9 March 2018
Commons
Government Response to the Work and Pensions Select Committee Report relating to the Bill
9 March 2018
Commons

Archive of press notices related to the Bill.

Have your say on the Financial Guidance and Claims Bill
23 January 2018
Commons

House of Lords Library Notes aim to be politically impartial and are compiled for Members of Parliament and their staff.

Financial Guidance and Claims Bill: Briefing for Lords Stages
30 June 2017
Lords

Written submissions from outside bodies and individuals are circulated to MPs appointed to examine the Bill during committee stage in a Public Bill Committee. The following written submissions were sent to this committee.

Commons Committee stage

Written Evidence: Citizens Advice (FGCB19)
7 February 2018
Commons
Written Evidence: Keoghs LLP (FGCB20)
7 February 2018
Commons
Written Evidence: LawWorks (FGCB21)
7 February 2018
Commons
Written Evidence: Gladstone Brookes (FGCB22)
7 February 2018
Commons
Written Evidence: DWF LLP (FGCB24)
7 February 2018
Commons
Written Evidence: Hargreaves Lansdown (FGCB25)
7 February 2018
Commons
Written Evidence: Motor Accident Solicitors Society (MASS) (FGCB26)
7 February 2018
Commons
Written Evidence: The Professional Financial Claims Association (FGCB27)
7 February 2018
Commons
Written Evidence: Barclays (FGCB28)
7 February 2018
Commons
Written Evidence: Carpenters (FGCB29)
7 February 2018
Commons
Written Evidence: One Advice Group (FGCB30)
7 February 2018
Commons
Written Evidence: Thomas Cook Group (FGCB31)
7 February 2018
Commons
Written Evidence: The Claims Guys (FGCB01)
1 February 2018
Commons
Written Evidence: John Lamidey MBE (FGCB02)
1 February 2018
Commons
Written Evidence: Equity Release Council (FGCB03)
1 February 2018
Commons
Written Evidence: Gary Nixon (FGCB04)
1 February 2018
Commons
Written Evidence: Jon Platt, Managing Director, JMP Partnership (IW) Ltd (FGCB05)
1 February 2018
Commons
Written Evidence: Frankly Hughes Limited (FGCB06)
1 February 2018
Commons
Written Evidence: Low Incomes Tax Reform Group (FGCB07)
1 February 2018
Commons
Written Evidence: Just Group (FGCB08)
1 February 2018
Commons
Written Evidence: ABTA - The Travel Association (FGCB09)
1 February 2018
Commons
Written Evidence: Consumer Finance Association (CFA) (FGCB10)
1 February 2018
Commons
Written Evidence: Fair Telecoms Campaign (FGCB11)
1 February 2018
Commons
Written Evidence: Lloyds Banking Group (FGCB12)
1 February 2018
Commons
Written Evidence: Association of Personal Injury Lawyers (APIL) (FGCB13)
1 February 2018
Commons
Written Evidence: Age UK (FGCB14)
1 February 2018
Commons
Written Evidence: BlackLion Law LLP (FGCB15)
1 February 2018
Commons
Written Evidence: Alliance of Claims Companies (FGCB16)
1 February 2018
Commons
Written Evidence: Macmillan Cancer Support (FGCB17)
1 February 2018
Commons
Written Evidence: Association of British Insurers (ABI) (FGCB18)
1 February 2018
Commons

List of related Impact Assessments

Impact Assessment from Department for Work and Pensions and HM Treasury - 26 February 2018
26 February 2018
Claims Management Regulation – Consultation Response
22 November 2017
Summary of Impacts
1 June 2017
Establishing a single financial guidance body
2 April 2017
Transferring regulation of Claims Management Companies (CMCs) to the FCA
8 March 2017

Occasionally questions put to government Ministers during debates on Bills in either the House of Commons or the House of Lords may be answered by the Minister saying 'I will write to the Hon Member'. Such “will write” replies are not published in Hansard but are placed in the Library of the House concerned and published on the Parliamentary website.

Letter dated 23/02/2018 to all Members, from the Economic Secretary, John Glen MP, regarding cold calling
23 February 2018
Letter dated 31/01/2018 from Guy Opperman MP to colleagues regarding issues raised during the Second Reading
16 February 2018
Letter dated 13/02/2018 from Guy Opperman MP to Craig Mackinlay MP regarding debt advice for the self-employed as discussed during the Committee stage
13 February 2018
Letter dated 31/01/018 from the Minister for Pensions and Financial Inclusion, Guy Opperman MP to all Members, on points raised during Second Reading
31 January 2018
Letter dated 18/12/2017 from Baroness Buscombe to Lord McKenzie regarding issues raised during the third reading of the Financial Guidance and Claims Bill.
17 December 2017
Letter from Baroness Buscombe to Lord Listowel regarding issues raised during the third reading of the Financial Guidance and Claims Bill: how care leavers can access the debt respite scheme, in particular relating to council tax.
17 December 2017
Letter from Baroness Buscombe to Lord Stevenson of Balmacara regarding the Single Financial Guidance Body as discussed during the Committee Stage of the Financial Guidance and Claims Bill.
17 October 2017
Letter from Baroness Buscombe to Baroness Finlay regarding equity release schemes and charges as discussed during the Committee Stage of the Financial Guidance and Claims Bill.
13 October 2017
Letter from Baroness Buscombe to Baroness Altmann regarding replacing the term "debt advice" with "debt counselling" or "debt guidance or counselling" as discussed during the Committee Stage of the Financial Guidance and Claims Bill.
12 September 2017
Letter from Baroness Buscombe to Earl Listowel regarding an issue raised during the committee stage of the Financial Guidance and Claims Bill: help for care leavers to gain the skills needed to manage their finances.
31 August 2017
Letter from Baroness Buscombe to Baroness Coussins regarding issues raised during the committee stage of the Financial Guidance and Claims Bill: single financial guidance body to provide help to self-employment people.
31 August 2017
Letter from Baroness Buscombe to Lord McKenzie of Luton regarding issues raised during the committee stage of the Financial Guidance and Claims Bill: money guidance functions listed in the scope of the new SFGB
25 August 2017

Full transcripts

Commons Committee stage

Committee Debates: compilation of sittings so far
7 February 2018
Commons
7 February 2018
Commons
2 February 2018
Commons
2 February 2018
Commons

Lords 1st reading

1st reading (Hansard)
22 June 2017
Lords
1st reading (Minutes of Proceedings)
22 June 2017
Lords

Lords 2nd reading

2nd reading (Hansard)
5 July 2017
Lords
2nd reading (Minutes of Proceedings)
5 July 2017
Lords

Lords Committee stage

Committee: 4th sitting (Hansard)
13 September 2017
Lords
Committee: 4th sitting (Minutes of Proceedings)
13 September 2017
Lords
Committee: 3rd sitting (Hansard)
11 September 2017
Lords
Committee: 3rd sitting (Minutes of Proceedings)
11 September 2017
Lords
Committee: 2nd sitting (Hansard)
6 September 2017
Lords
Committee: 2nd sitting (Minutes of Proceedings)
6 September 2017
Lords
Committee: 2nd sitting (Hansard - continued)
6 September 2017
Lords
Committee: 2nd sitting (Minutes of Proceedings - continued)
6 September 2017
Lords
Committee: 1st sitting (Hansard)
19 July 2017
Lords
Committee: 1st sitting (Hansard - continued)
19 July 2017
Lords
Committee: 1st sitting (Minutes of Proceedings)
19 July 2017
Lords

Lords Report stage

Report: 2nd sitting (Hansard)
31 October 2017
Lords
Report: 2nd sitting (Minutes of Proceedings)
31 October 2017
Lords
Report: 1st sitting
24 October 2017
Lords
Report stage (Minutes of Proceedings)
24 October 2017
Lords
Report stage (Hansard - continued)
24 October 2017
Lords
Report stage (Minutes of Proceedings - continued)
24 October 2017
Lords

Lords 3rd reading

3rd reading (Hansard)
21 November 2017
Lords
3rd reading (Minutes of Proceedings)
21 November 2017
Lords

Commons 2nd reading

22 January 2018
Commons

Commons Report stage

Report: 3rd sitting
24 April 2018
Commons
12 March 2018
Commons

Commons 3rd reading

24 April 2018
Commons
12 March 2018
Commons

Lords Consideration of Commons amendments and / or reasons

Ping Pong (Hansard)
1 May 2018
Lords
Ping Pong (Minutes of Proceedings)
1 May 2018
Lords

Royal Assent

Royal Assent (Hansard)
10 May 2018
Royal Assent (Minutes of Proceedings)
10 May 2018