Select Committee · Treasury Committee

Future of Financial Services

Status: Closed Opened: 20 Nov 2020 Closed: 1 Nov 2022 19 recommendations 26 conclusions 3 reports

This inquiry will look at the future of financial services after the Brexit transition period ends. It will examine how financial services regulations should be set and scrutinised by Parliament, as EU directives will cease to govern new rules and regulations. It will also consider how regulators are funded and the extent to which financial … Show more

Clear

Reports

3 reports
Title HC No. Published Items Response
Second report - Future Parliamentary scrutiny of financial … HC 394 23 Jun 2022 0 Overdue
First Report - Future of financial services regulation HC 141 16 Jun 2022 25 Responded
Fifth Report - The Future Framework for Regulation of Finan… HC 147 6 Jul 2021 20 Responded

Recommendations & Conclusions

5 items
2 Conclusion Fifth Report - The Future Framework for… Not Addressed

The Treasury consultation alluded to certain UK-derived rules that are set out in UK statute,...

The Treasury consultation alluded to certain UK-derived rules that are set out in UK statute, and it suggested that regulators might be constrained as a result. But we found that the regulators did not appear to feel constrained by the existence of any domestic rules being set out in statute. … Read more

Government response AI summary
The government noted the committee's view on EU on-shored law but did not directly address the conclusion regarding whether domestically-derived rules need to be included in the exercise of moving rules out of statute.
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HM Treasury
3 Recommendation Fifth Report - The Future Framework for… Not Addressed

We understand the need for Treasury Ministers to be well informed of the regulators’ policy...

We understand the need for Treasury Ministers to be well informed of the regulators’ policy intentions as a matter of routine. However, we have not been provided with compelling evidence to justify changing the law to allow Ministers the absolute right to see financial services regulators’ policy proposals before they … Read more

Government response AI summary
The government acknowledges the Committee's concerns that its proposals might damage regulatory independence, affirming the importance of independence and the need for balance. However, the response does not explicitly commit to refraining from changing the law as recommended.
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HM Treasury
4 Recommendation Fifth Report - The Future Framework for… Not Addressed

The Treasury has in the past been able to delay policies in the interests of...

The Treasury has in the past been able to delay policies in the interests of the wider negotiations that took place during the UK’s departure from the EU. This suggests that there is already sufficient and appropriate Treasury oversight of the regulators’ policy proposals without needing to put such a … Read more

Government response AI summary
The government acknowledges the Committee's concerns that its proposals might damage regulatory independence, affirming the importance of independence and the need for balance. However, the response does not explicitly commit to refraining from legislating for increased Treasury power.
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HM Treasury
5 Recommendation Fifth Report - The Future Framework for… Not Addressed

If the Treasury does wish to give itself the formal power to see policy proposals...

If the Treasury does wish to give itself the formal power to see policy proposals before they are made public, comments or suggested changes to them using this power should be published alongside the public consultation.

Government response AI summary
The government acknowledges the committee's concerns about regulatory independence but does not address the specific recommendation to publish the Treasury's comments or suggested changes to policy proposals alongside public consultations.
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HM Treasury
17 Conclusion Fifth Report - The Future Framework for… Not Addressed

Our Committee has been consistent in its regular monitoring of the work of the Financial...

Our Committee has been consistent in its regular monitoring of the work of the Financial Conduct Authority and of the Prudential Regulatory Authority, the extent to which they meet the objectives set for them by Parliament, and their responsiveness to consumer expectations. There is a strong logic in aligning the … Read more

Government response AI summary
The Government's response states that the structure for scrutiny is a matter for Parliament, which does not directly address the Committee's conclusion about the logic of aligning scrutiny of regulations and policy implementation.
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HM Treasury

Correspondence

5 letters
DateDirectionTitle
6 Sep 2022 To cttee Letter from the Economic Secretary to the Treasury, relating to proposals for a…
25 Apr 2022 To cttee Letter from the Economic Secretary to the Treasury, relating to the ‘Future of …
25 Apr 2022 To cttee Letter from the Economic Secretary to the Treasury, relating to the ‘Future of …
10 Mar 2022 To cttee Letter from John Glen relating to sanctions following the Committee's evidence …
20 Oct 2021 To cttee Letter from Lloyds following evidence given to TSC, regarding the future of fin…