Insight
‘Equivalence’ with the EU on financial services
Equivalence is a system which can be used to grant domestic market access to foreign firms in certain areas of financial services.
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Research Briefing
The European Investment Bank
The European Investment Bank lends to projects that contribute to growth and employment within Europe. This briefing gives a short overview of the Bank's membership and operation, and its future relationship with the UK.
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Research Briefing
Debts to public bodies: are Government debt collection practices outdated?
There is growing concern that the debt collection practices of public sector bodies have fallen behind the standard of regulated creditors in the private sector. Practices have often been criticised as being unfair to the debtor and inefficient, possibly resulting in higher long-term costs to the taxpayer. The impact of the coronavirus pandemic on debts owed to public bodies is not yet known, but it is likely to have led to further indebtedness.
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Research Briefing
UK-EU future relationship negotiations update: is an agreement possible?
This paper provides an update on the UK-EU future relationship negotiations following intensified negotiations in June and July 2020. It explores the prospects for an agreement in time for the end of the post-Brexit transition period on 31 December
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Research Briefing
Coronavirus: Support for household finances
This Commons Library briefing paper outlines the measures introduced by the Government, and other authorities, to support household finances during the coronavirus (Covid-19) outbreak.
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Research Briefing
Pension transfer advice
Many people have been given unsuitable financial advice to transfer their valuable Defined Benefit pensions into less suitable and secure Defined Contribution schemes. Poor advice has led to growing compensation payments from the Financial Ombudsman Service and the Financial Services Compensation Scheme. Some have speculated that this issue may represent a large mis-selling scandal, the full scale of which may only come to light in the event of an economic downturn.
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Research Briefing
The UK-EU future relationship negotiations: summary of positions
The tables in this paper provide a summary of the UK and EU positions in the future relationship negotiations, based on their proposed draft treaty texts and other publicly available statements
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Research Briefing
The UK-EU future relationship negotiations: process and issues
The UK and EU begin negotiations over their future relationship this week. This paper outlines the UK and EU's objectives, the main issues of contention and the process being followed in the negotiations
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Research Briefing
Brexit: a reading list of post-EU Referendum publications by Parliament and the Devolved Assemblies
This reading list brings together briefings on Brexit by the Parliamentary libraries and the Devolved Assembly research services with reports by Parliamentary and Devolved Assembly committees following the result of the EU Referendum on 23 June 2016.
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Research Briefing
Protecting consumers from unfair high-cost credit
An survey of high-cost credit products (including bank overdrafts, loans, buy-now-pay-later and rent-to-own) and action being undertaken to regulate such products and to address problems that they can lead to. This paper reflects the situation in early 2020 and is not being updated.
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Research Briefing
Bank branches: why are they closing and what is the impact?
The number of bank branches in the UK roughly halved from 1986 to 2014 and closures are expected to continue. Concerns have been raised about the impacts on vulnerable people, small businesses and the viability of the cash system. This briefing is no longer being updated. For latest developments, see The future of local banking services and access to cash (CBP-9453).
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Research Briefing
Trade in services and Brexit
While the UK prepares to leave the EU, the future of services trade has received less attention in the public debate than trade in goods. The UK’s exposure to services trade means however that businesses in many sectors across the economy will be affected. This paper looks at the complexity of international trade in services and discusses what could change under the different future scenarios.
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Research Briefing
Local government in England: capital finance
An introduction to capital finance and borrowing by local authorities in England, including details on the Public Works Loan Board, local authority bonds, and tax increment financing.
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Research Briefing
No-deal Brexit: A guide to Commons Library research
The No-deal Brexit: A guide to Commons Library research is an annotated bibliography of sources published by the House of Commons Library on a potential no-deal Brexit. It will be updated regularly. Links to the papers included in the resource are available on this page, the downloadable version includes additional comment on some of the selected papers.
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Research Briefing
The UK’s EU Withdrawal Agreement
This briefing looks in detail at the Withdrawal Agreement negotiated between the EU and UK and finalised on 14 November 2018. It was endorsed by EU Member State leaders at a special European Council summit on 25 November and the UK Prime Minister promoted it in the UK Parliament and around the country. The Agreement was debated at length in Parliament on several occasions and has been voted on three times. But the House of Commons has not endorsed it. A second extension of Article 50 took exit day to 31 October 2019, but once again the UK is faced with the possibility of leaving the EU without an agreement if this agreement or another one is not ratified by the UK and the EU.
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