Committee: DCMS and GC Failed to Protect Consumers

I thank my Lordships, all the Lords who spoke in the debate, and especially the right honourable Prelate of Birmingham, who took up the amendment tabled by the right honourable Bishop of Truro. He spoke very well, perhaps in borrowed shoes, but he clearly felt the same way as the right honourable Prelate in his opening remarks. I express my interest as the retired chairman of the debt charity, Step Change.

As we found in committee, it is clear that there is an overall consensus to take action. It all boils down to the question: if it is right to have advertising restrictions on certain items that are deemed harmful or inappropriate for children, such as violence, junk food, gambling and alcohol, why is it not right to do the same to prevent the harm caused by payday loans? We have clear evidence that there is huge pressure from parents and many campaigning groups to put payday loans in the same category.

It is only natural for the Government to defend its position and explain why it thinks it can resist this amendment. When the amendment was debated in Grand Committee, the noble Baroness Jolly said:

"The Government shares the concerns of Lords that this market is causing serious problems for consumers and that unscrupulous lenders are taking advantage of vulnerable consumers.

I could not put it better. The Government added:

"We are committed to tackling abuses of the payday market, including the marketing of these loans. The Government strongly agrees with Lords that it is unacceptable for payday advance lenders to deliberately target vulnerable consumers in their promotional material.

It seems game over. It was good up to here but it's been downhill from there. The Minister's argument is that regulation, not law, is the right answer and that "the regulation is now robust,

"we have robust measures in place to protect vulnerable people from this behaviour" - [Official Report, 3/11/14, col.]

But that is not the case.

What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision.

The government today had the opportunity to give a nobleman, Mitchell, to give a Christmas present a little earlier. That's a good thing. At the end of this discussion, the precious His Excellency is not hesitant to test the Opinions of the House of Representatives. As Sir Higgins says, the words of the amendment are lacking accuracy, but of course it can be solved by the third reading. Just because it is difficult to express, you should not stop trying the principle here. Sometimes you have to understand correctly.

Baron Jolly (LD) Copy link

The lords, I am grateful to the nobles again for important issues in the payday lending industry. I repeat what I said in the committee-the strong emotions of the parliament on this issue are clear, and the government may encourage lender advertisements to irresponsible loans and cause consumers. Is shared.

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. < SPAN> What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision.

The government today had the opportunity to give a nobleman, Mitchell, to give a Christmas present a little earlier. That's a good thing. At the end of this discussion, the precious His Excellency is not hesitant to test the Opinions of the House of Representatives. As Sir Higgins says, the words of the amendment are lacking accuracy, but of course it can be solved by the third reading. Just because it is difficult to express, you should not stop trying the principle here. Sometimes you have to understand correctly.

Baron Jolly (LD)

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The lords, I am grateful to the nobles again for important issues in the payday lending industry. I repeat what I said in the committee-the strong emotions of the parliament on this issue are clear, and the government may encourage lender advertisements to irresponsible loans and cause consumers. Is shared.

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. The government today had the opportunity to give a nobleman, Mitchell, to give a Christmas present a little earlier. That's a good thing. At the end of this discussion, the precious His Excellency is not hesitant to test the Opinions of the House of Representatives. As Sir Higgins says, the words of the amendment are lacking accuracy, but of course it can be solved by the third reading. Just because it is difficult to express, you should not stop trying the principle here. Sometimes you have to understand correctly. Copy link Copy link Copy link

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns.

It is worth reiterating all the actions the government has taken to protect consumers in this industry. At the committee we were a very select group, whereas in the report we have a much larger audience. First, the government has radically reformed the regulation of the payday market. The FCA revealed that payday loan volumes have fallen by 35% since it took over regulation in April. This is just seven months.

The government has also introduced legislation that would require the FCA to cap fees on payday loans to protect consumers from unfair fees. The cap will be introduced by the new year and will ensure that no customer is forced to repay more than twice the amount they borrowed. The FCA predicts that as a result of this cap, perhaps up to three or four companies will be able to continue operating in this market. The government remains committed to tackling misconduct in the payday loan market wherever it occurs, including in the marketing of these loans.

Nobles raised specific concerns about the potential for payday loan advertising to target children. Members of the Consumer Finance Association, represented separately by major commercial payday loan providers, Wonga, have a clear policy not to advertise on any children's television. Ofcom found that payday loan ads comprised a relatively small proportion of 0. 6% of TV advertising seen by children aged 4-15 over just over one week. This was across all channels and time slots. Ofcom also found that more than a quarter of TV watched by children aged 4-15 was after the 9pm watershed. Therefore, the key to protecting children should be to ensure that all advertising seen at any given time - a point the Lords set out to make earlier - has appropriate content and is not targeted at children in any way.

Let's be clear. There are already strong content rules in place to protect children from payday loan ads. The Advertising Standards Authority enforces the rules set out in the British Broadcast Advertising Code (BCAP Code). The BCAP Code requires that all advertising be socially responsible and ensure that young people are protected from harm.

Conversation between Lord Stevenson of Balmacara and Baroness Jolly

Baron Jolly (LD) Copy link

Lord Stevenson of Balmacara (Workshop)

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I am sorry that the noble Vulvarian had to take such a very important problem in such an empty parliament. Of course, I hope that it will be reported by a handsard and will be read.

In recent years, Takaraki has been conducting an incredible campaign on many issues that are attracting attention in recent years. However, listening to her story this time, I hope so, as well, maybe she has begun to feel a little shock. Gambling people, and those who simply want to enjoy gambling as recreation, had previously had to trade with gambling companies outside the UK, that is, gambling outside the British regulatory network. Some of them were physically very close, but the British government protects people who are in danger and acts to provide services to those who are relevant. There was no way to do it.

A gambling bill has been submitted, and the Professor of Takanori has proposed many amendments to reflect the questions she is talking about. She first said that there was no problem here because voluntary reconciliation was a desirable solution, and there was a discussion to solve all of this problem elsewhere, so there was no problem here. 。 Of course, we are no longer doing that, because of time pressure and probably the government's need for business needs.

In fact, the gambling (license and advertising) law is a big move, but unauthorized gambling is continuing, and people are still gambling. I think the latest heroism should be aware that the priest of Takaburi is closed here. I think that if I share the concerns and have a reasonable interest and public policy in this field, I think the government needs to be dealt with. < SPAN> I am sorry that the noble Vulvarian had to take such a very important problem in such a vacant parliament. Of course, I hope that it will be reported by a handsard and will be read.

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. A gambling bill has been submitted, and the Professor of Takanori has proposed many amendments to reflect the questions she is talking about. She first said that there was no problem here because voluntary reconciliation was a desirable solution, and there was a discussion to solve all of this problem elsewhere, so there was no problem here. 。 Of course, we are no longer doing that, because of time pressure and probably the government's need for business needs. Copy link Copy link Copy link

In fact, the gambling (license and advertising) law is a big move, but unauthorized gambling is continuing, and people are still gambling. I think the latest heroism should be aware that the priest of Takaburi is closed here. I think that if I share the concerns and have a reasonable interest and public policy in this field, I think the government needs to be dealt with.

Through her diligent research in this area, the noble Baroness has found that there may be unlicensed gambling operators based offshore and that there is no obvious or direct way for the Government to get the upper hand in terms of trying to prevent or stop their activity. There are currently mechanisms that people can use, and often want to use for the reasons the noble Baroness has given, to ensure that payments to unlicensed gamblers are not captured, visible and unavailable. So there is no effective blocking. The Government has an obligation to provide a full response to this issue, one that will lead to a better understanding of why they are defensive when it is clear that measures are needed. If they do not accept this amendment, and I am sure they will not, then we can at least show them how we can move this issue forward. Certainly it is simply unacceptable for the Government to say they recognise there is a problem, explain that they believe voluntary arrangements will work when clearly they are not, and then make it increasingly difficult for the noble Baroness to put forward proposals.

Baron Jolly (LD) Copy link

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I thank the noble Baroness for her amendment which seeks to prevent dealings with illegal remote gambling operators and I welcome the strength of it. To be honest, I thought we had it solved, so it is not my intention, on behalf of the Government or on my own behalf, to try to pull the wool over anyone's eyes.

We sincerely agree with the noble Baron's importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK.

The government share concerns about Takao's concern that the new remote gambling system must be enforced. As the hospital has heard in the past, the government and the gambling committee believe so. In addition, this problem is being considered in the Supreme Court. Recently, the 2014 judicial examination was attempted, but the Supreme Court concluded as follows.

"There is no evidence or reason to believe that there will be serious enforcement problems."

Therefore, the government did what he was really right and believed he was on the right path. As I explained in the Occupational debate, the gambling committee has reached an agreement to block the three payment system organizations and financial transactions with unrecognized operators.

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks.

Discussion between Lord Stevenson and Baron Jolly in Barmakara

Monday 24 November 2014

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. Barmakara's Stevenson (Labor Party) Copy link Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

"There is no evidence or reason to believe that there will be serious enforcement problems."

Therefore, the government did what he was really right and believed he was on the right path. As I explained in the Occupational debate, the gambling committee has reached an agreement to block the three payment system organizations and financial transactions with unrecognized operators.

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Monday 24 November 2014

Link copy Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. We sincerely agree with the noble Baron's importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK.

The government share concerns about Takao's concern that the new remote gambling system must be enforced. As the hospital has heard in the past, the government and the gambling committee believe so. In addition, this problem is being considered in the Supreme Court. Recently, the 2014 judicial examination was attempted, but the Supreme Court concluded as follows.

"There is no evidence or reason to believe that there will be serious enforcement problems."

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Discussion between Lord Stevenson and Baron Jolly in Barmakara

Monday 24 November 2014

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Barmakara Sir Stevenson (Labor Party)

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Many of them know that Internet Access is sold to all customers, but that Internet service providers are not obliged to allow them to access all legal Internet. I think the person is surprised. In our opinion that DCMS thinks that both the laws and bills newly added to the bill will solve the problem of erroneous sales, the government should provide clearability beyond Peradventure. It is important to agree. We need to know if OFCOM has no authority, so the revised proposal will solve this. If DCMS and OFCOM have agreed that the permissions needed, DCMS has a necessary authority to act on OFCOM's related open Internet violations. It should be clear without any doubt. I am looking forward to the remarks of the Minister.

Link copy Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

As is clear from the previous discussions, this is a very complicated field and has caused many discussions in both Europe and the Atlantic Ocean. We believe that we are leading the world in providing open Internet services. In the UK, the Internet, which is probably much more open than in other regions, with competitive market, effective sel f-regulation, and consumers' expectations.

The aristocrats may know, but the industry is formulating two sel f-regulated categories. At present, major ISPs have been fully subscribed, and in recent weeks, Borderphones, EEs, and Virgin Media have also joined. A mobile phone company that restricts specific services such as Skype does not provide such a new plan. The regulatory authorities, OFCOM, are in dialogue with the provider that the clause is trying to deal with, and promises that the terms of the terms of use will not be accidentally interpreted.

Those who criticize this sel f-regulation system will say that there is no penalty for violating the open Internet rules, and Internet service providers can always change their membership. This is a fact, but also applies to many other sel f-regulated sectors that have been paid for a great deal of effort to secure transparent sector, for example, like online ads. However, it is true that no violation has been reported two and a half years after the open Internet rules have been agreed. If the number of signers changes significantly or a general violation is reported, the government will consider it again. Consumers are expecting high, so I don't think this will happen again.

In response to the comments of a noble friend, we discussed OFCOM and these issues. We agree with OFCOM's opinion that there may be room to interpret the authority in this field. However, we do not believe this amendment will bring an intended restriction to the Internet connection provider. According to OFCOM analysis on the Internet connection service market, there is no need to intervene urgently. The market has been moving in an integrated direction to provide neutral open Internet access services, and there is no evidence of current consumer damage. Therefore, for the time being, there is no need for the need for laws and regulations, considering recent trends in this field. < SPAN> The people who criticize this sel f-regulation system will say that there is no penalty for violating the open Internet rules, and Internet service providers can always change their membership. This is a fact, but also applies to many other sel f-regulated sectors that have been paid for a great deal of effort to secure transparent sector, for example, like online ads. However, it is true that no violation has been reported two and a half years after the open Internet rules have been agreed. If the number of signers changes significantly or a general violation is reported, the government will consider it again. Consumers are expecting high, so I don't think this will happen again.

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

However, as nobles will know, clause 64(2) of Part 2 of the Bill ensures that providers will no longer be able to hide the definition of the services provided, such as broadband access, in small print and will want to see it given appropriate prominence. The Bill also maintains the protections currently in place through unfair contract terms in the Consumer Contracts Regulations 1999. It also includes in the Bill the power to update the grey list, subject to Parliamentary scrutiny. This means that if consumer or trade behaviour changes or specific consumer harm is proven, conditions can be added to the grey list to address that. In this case, this could apply if no changes are made by providers or if there is a general change in the behaviour of providers that is not currently proven. This means that ISPs will no longer be able to hide any terms and there will be a route for regulators to take action if this proves to still be a problem. I think this is a more appropriate response than legislation at this stage.

We should also be mindful of the ongoing process on net neutrality in Europe as part of the Single Market Telecommunications Package. The Government has always defended the self-regulatory approach, but recognises that not all markets are the same as in the US and that there are growing calls from other Member States for further protection of net neutrality. The European Council has been clear in its willingness to include text on net neutrality. We will continue to actively engage with the European Council on this matter and believe that we can find an appropriate solution. The latest documents from the Italian Presidency indicate a move towards a principled, centralised approach, which we believe is more appropriate.

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Conversation between Sir Stevenson and Baron Jolly

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. Link copy

Baron Jolly

Copy link Copy link Copy link

Lord Stevenson in Barmakara

Link copy

We are very grateful that the Minister accepted the words we used when we first proposed a amendment. This is rare. I will enjoy this experience. In the committee, I was sorry to spend the time in the conference room in that way, but on both sides of the Minister who responded in such a way, on both sides of the Minister. You may remember, but it's strange that there was a TV that was just introduced to that small bell. I thought it was Christmas: I felt like Christmas. But her words did not say "Christmas". No, go over there. ridiculous. This has already been legislated. Now she is replacing her heart and coming back. I am very happy.

--- In the second half of the conversation

Baron Jolly

Baron Jolly (LD) Copy link

Article 40 provides that digital content must meet the quality rights (satisfactory quality, fit for purpose, as described) after it is updated. The provision that digital content must match its description is not intended to define digital content as a static point in time. This is not an option that reflects how updates work. We have made it clear in the explanatory text that there is nothing to prevent updates, as long as the contract specifies that updates will be provided. Furthermore, merchants have flexibility in how they describe digital content from the outset. For example, marketers can make it clear that enhancements are not excluded. However, consumers should have some protection against changes to digital content that remove features on which they relied when making a purchasing decision for that content.

In a rapidly changing environment, there is clearly an important balance between the ability of the digital content industry to adapt, change and innovate, and consumers' right to get what they pay for. This amendment aims to address concerns raised in the debate that the update provisions as originally drafted may prevent marketers from improving digital content or offering flexible products. This is not a good outcome for consumers. This amendment makes it clear in the Bill that section 40 does not prevent marketers from adding new features or improving existing features, so long as the original language is respected. I ask for your transfer.

Lord Stevenson of Balmacarra

Link copy Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

In another place in the committee, my noble friend, Lord Night, stated that customers often provide no n-money paid to provide digital content. Consumers' promises and transactions based on the Terms of Use of the website are good examples. For example, clicking on the terms of use with a famous retailer or giving some conditions is definitely an example of an interview with a digital content provider, but is that a contract? If so, one or two of the ministers have clearly increase. What are you saying if it's not a contract because it's not a financial price? < SPAN> I am not opposed to this, but I am thinking about the previous discussion and the letter of free digital content received from the Minister on November 5. It is talking about content distributed by contracts connected between consumers and marketers. I am grateful to Polin McBlide of Glasgow University for pointing out that point.

In another place in the committee, my noble friend, Lord Night, stated that customers often provide no n-money paid to provide digital content. Consumers' promises and transactions based on the Terms of Use of the website are good examples. For example, clicking on the terms of use with a famous retailer or giving some conditions is definitely an example of an interview with a digital content provider, but is that a contract? If so, one or two of the ministers have clearly increase. What are you saying if it's not a contract because it's not a financial price? I am not opposed to this, but I am thinking about the discussions on the previous committee and the letter of free digital content received from the Minister on November 5. It is talking about content distributed by contracts connected between consumers and marketers. I am grateful to Polin McBlide of Glasgow University for pointing out that point.

In another place in the committee, my noble friend, Lord Night, stated that customers often provide no n-money paid to provide digital content. Consumers' promises and transactions based on the Terms of Use of the website are good examples. For example, clicking on the terms of use with a famous retailer or giving some conditions is definitely an example of an interview with a digital content provider, but is that a contract? If so, one or two of the ministers have clearly increase. What are you saying if it's not a contract because it's not a financial price?

The reason for this is the survey that the website provider that accesses digital content has applied the terms of use, denial of guarantees, and compensation provisions that restrict consumer rights. Providers may not be able to overturn the legitimate consideration-I disagree with the existence of the bill, but consumers are convinced of the terms of use created by the website. If you click on, and if the quality of the relief obtained from the provider decreases in some way, you will not be able to get complete relief. It took a long time to explain, but I hope the minister understands what I want to say. I am concerned about the contract with a site that is excluded from the normal compensation provisions because I did not pay the financial compensation but did not pay for it. About the consumer you are doing. I'm very happy if the minister writes a letter about this matter. There is also a question about what will happen if the contract obligations are not recognized by this bill.

Baron Jolly

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The noble palace will give a sufficient explanation in a letter, but I understand that if there is a contract, money is not involved, an unfair condition will be applied.

--- In the second half of the discussion

Baron Jolly

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In the discussion on digital content at the committee, I am a complex environment where digital content operates, and its digital content operates seamlessly with all possible configurations on the user's device, and other other on the device. He pointed out many concerns about the difficulties of the industry when guaranteeing an unintended impact on the location. < SPAN> The reason for this concern is that the provider of the website that accesses digital content has applied the terms of use, denial of guarantees, and compensation provisions that restrict consumers' rights. 。 Providers may not be able to overturn the legitimate consideration-I disagree with the existence of the bill, but consumers are convinced of the terms of use created by the website. If you click on, and if the quality of the relief obtained from the provider decreases in some way, you will not be able to get complete relief. It took a long time to explain, but I hope the minister understands what I want to say. I am concerned about the contract with a site that is excluded from the normal compensation provisions because I did not pay the financial compensation but did not pay for it. About the consumer you are doing. I'm very happy if the minister writes a letter about this matter. There is also a question about what will happen if the contract obligations are not recognized by this bill.

Baron Jolly

Copy link

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Baron Jolly

Copy link

In the discussion on digital content at the committee, I am a complex environment where digital content operates, and its digital content operates seamlessly with all possible configurations on the user's device, and other other on the device. He pointed out many concerns about the difficulties of the industry when guaranteeing an unintended impact on the location. The reason for this is the survey that the website provider that accesses digital content has applied the terms of use, denial of guarantees, and compensation provisions that restrict consumer rights. Providers may not be able to overturn the legitimate consideration-I disagree with the existence of the bill, but consumers are convinced of the terms of use created by the website. If you click on, and if the quality of the relief obtained from the provider decreases in some way, you will not be able to get complete relief. It took a long time to explain, but I hope the minister understands what I want to say. I am concerned about the contract with a site that is excluded from the normal compensation provisions because I did not pay the financial compensation but did not pay for it. About the consumer you are doing. I'm very happy if the minister writes a letter about this matter. There is also a question about what will happen if the contract obligations are not recognized by this bill.

Baron Jolly

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Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Baron Jolly

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Link copy Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Article 46 is designed to reflect the principle of negligence. Therefore, it is appropriate to have different positions on the limit on the responsibility of Article 46 from the positions related to the quality right specified in other parts of the digital content chapter. This amendment allows the traders to exclude or limit liability for consumer devices and other digital content under the second part of the bill, which is fair under the bill. This is to maintain the approach taken in this clause by reflecting the principle of negligence and further approaches the current position of responsibility. This amendment also corrects the error of the intersection in Article 47, Paragraph 2. However, it is not appropriate to expand this correction to the right part of the digital content chapter. Consumers should clearly have the right to rescue defective digital content, and the relief specified in this chapter is appropriate. Therefore, I would like you to pass the correction draft 22.

Lord Stevenson in Barmakara

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Folks, I am becoming what you might call a pony with a peace. I would like to ask again about free content and hope the Minister can reassure me on this point. We are still concerned about whether free digital content in general can fall within the scope of the requirement to provide quality, fitness for purpose and compliance with the description. Because of this issue, it is still unclear how this will work in practice. Perhaps this will be addressed in the letter he promised to write me.

I have another concern on this matter, and that is that there are many contracts for the provision of services that fall into the type to which this amendment applies and which may be provided by manufacturers and not by specific software providers. I do not mean to blame any particular manufacturer, but let's take a well-known brand that is related to fruit. If the terms and conditions are such that they cause significant harm to consumers, would it be possible for the Secretary of State, in extreme circumstances, to make an order dealing specifically with terms and conditions that are generally written and not always read by people? In the case of general terms and conditions, they will probably not be specific to consumers and will probably be provided free of charge or at least at no extra charge because they are updates or solutions. Is there anything that can be done about this? I fully understand that it will take some time to respond, and a letter would be fine.

Baroness Jolly

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Conversation between Lord Stevenson of Balmacarra and Baroness Jolly

Wednesday, November 5, 2014

(9 years, 10 months ago)

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Lord Stevenson of Balmacarra (workshop)

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Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. We support this amendment in the name of Lord Clement-Jones. In fact, we signed this amendment for almost the same reasons that the noble Lord has just explained. Such a system would be the basis for ensuring a competitive market that would lower prices while empowering consumers. Who could disagree with this?

Baron Jolly

Copy link Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

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Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

OFCOM has the authority to identify RPL switching for all communication services. In July 2014, he asked for his opinion on consumer switching. OFCOM has announced that it is considering having RPL switching for bundles, a service that includes a mobile phone service, payment and KCOM network service. OFCOM's work is essential to ensuring that we first acquire new rules first, so I welcome your friends with your friends on consumer switching, but the good thing we have done so far. I ask him in consideration of the work, OFCOM's progress, and the response to it will be published by the end of the year

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. Lord Stevenson in Barmakara

Baron Jolly

Copy link Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

"It doesn't provide advice or solutions that will be the best profit for consumers, but that will be more profitable."

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

"We think that there are cases where the FCA will make a wider review of the lead generator business."

"The role of a claim broker. It may be performed during the approval process. This is ongoing.

As of early 2012, the number of DMP is estimated to be about 600. 000. Of these, about 350. 000 are due to commercial features. In 2010, Outt estimated that the debt management company had earned £ 250 million from these plans. If a debt management company for profit is charged for people who suffer from debt issues that cannot be handled, as a result, the excess cost will result in funding from the creditor to the DMP provider commission. It is clear that the time required for debt repayment will be prolonged to all stakeholders. This is not a good thing for consumers. In addition, pulling the GDP's feet and delaying the recovery of the economy. < SPAN> OFT concluded about commercial debt management companies as follows in reviewing the debt management plan field in 2010.

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

The October 2014 report on this field created by the newly established competitive market agency states:

"We think that there are cases where the FCA will make a wider review of the lead generator business."

Consumer Rights Bill

The government has been working hard to listen to as many opinions as possible inside and outside the parliament. As I mentioned earlier, I met Bishop Trro several times and talked, and this morning, I met the Minister and I met Bishop Birmingham and other aristocrats, an excellent scholar on this problem, We discussed their concerns. What do we want? What are we presenting the law now? It is a religious regulation that does not prevent the children from seeing the advertisement of the lender and causes irreparable harm. The government acknowledges that these products, such as alcohol and gambling, are inappropriate to children. He agrees that advertisements for these products should not be for children, but are willing to allow money lender ads. This is not a good policy decision. As of early 2012, the number of DMP is estimated to be about 600. 000. Of these, about 350. 000 are due to commercial features. In 2010, Outt estimated that the debt management company had earned £ 250 million from these plans. If a debt management company for profit is charged for people who suffer from debt issues that cannot be handled, as a result, the excess cost will result in funding from the creditor to the DMP provider commission. It is clear that the time required for debt repayment will be prolonged to all stakeholders. This is not a good thing for consumers. In addition, pulling the GDP's feet and delaying the recovery of the economy. OFT concluded the following conclusions about commercial debt management companies in the review of the debt management plan field in 2010.

Baron Jolly

Copy link Baron Jolly (LD) Copy link

"The role of a claim broker. It may be performed during the approval process. This is ongoing.

As of early 2012, the number of DMP is estimated to be about 600. 000. Of these, about 350. 000 are due to commercial features. In 2010, Outt estimated that the debt management company had earned £ 250 million from these plans. If a debt management company for profit is charged for people who suffer from debt issues that cannot be handled, as a result, the excess cost will result in funding from the creditor to the DMP provider commission. It is clear that the time required for debt repayment will be prolonged to all stakeholders. This is not a good thing for consumers. In addition, pulling the GDP's feet and delaying the recovery of the economy.

We have discussed the role of the FCA and other sectors of the credit market in this committee, and have raised similar concerns with other accounts, particularly those that originally created the FCA. I think the FCA is very important, and I respect the intentions of the senior staff I have met with, but it is becoming clear that there are fundamental problems with the way it was set up. The FCA's documents and staff claim that consumers are at the heart of its thinking, but in fact the FCA has another purpose, which is necessary as an agent of consumer welfare, but that is not right. The FCA is ensuring that markets function well across the financial services sector.

This means it is counterproductive. The FCA seems content as long as a few well-capitalized companies are trading to make a fair profit, with little regard for consumer harm or damage. This is why clearing out the payday advance market will not actually eliminate payday advances and other high-cost lenders, and why tough, aggressive regulation of the debt management market, although belated and very welcome, will not get rid of the problem of for-profit DMP operators. For example, the FCA would be satisfied if it found the DMP market to be working well, even if the existence of fees makes it harder and longer for customers to repay their debts.

A good example is the fee cap introduced by the FCA in the DMP sector. We believe that fees should be abolished altogether, on the grounds that all client funds should be used to repay debts. However, the fee cap is set at a relatively high level. Firms can charge up to 50% of the client's repayments, which reduces the costs of sorting out the debt after collection. But after that, they can charge a monthly administration fee as a flat percentage of the client's repayments, separate from the set-up fee. Many of our clients pay around £200-250 per month in their DMP. You can see what the impact would be if 50% of the early payments were paid and the remaining 10% went to a commercial operator. That's ridiculous. This means that a debt management company client seeking profit on a debt of £20. 000 would typically have to pay hundreds of pounds in set-up fees and thousands of pounds in monthly administration fees to creditors for the duration of the project. Compared to a free debt management plan, this would extend the time it takes to repay the debt by up to several months, and in some cases by more than a year. There is real consumer harm in this market

Finally, let's touch on another problem. As a result of FCA regulations, commercial debt management companies have begun to withdraw from the market, but the amendment will accelerate. There will be a transitional problem. For example, when the debt management company at the beginning of this year was closed, the debt charity group StepChange lived to pick up the piece. We were able to support more than 400 people, but it turned out that more than half of the people were selling debt management plans that did not fit the situation. When the FCA's approval process begins and the worst businesses are wiped out in this market, a charity organization such as step changes will pick up fragments and help rebuild people's lives. I will. This will be a considerable amount of work. I need to summarize the FCA so that customers who collapse DMP can provide free DMP or other appropriate debt solutions in cooperation with creditors, step changes and other charity sector. I sent a letter to propose. I hope the FCA will participate in this offer. Request for movement

Baron Jolly

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We thank the aristocrats, this aspect of consumer finance, to the aristocrats who have raised such an interesting and important point, and acknowledge StepChange's wonderful activities. The government fundamentally reformed the consumer credit market. Consumer credit regulations were transferred to the Financial Action Survival Organization (FCA) on April 1, 2014. The government guarantees that the Financial Action Survival has a powerful authority to protect consumers. The FCA has a wide range of execution means to punish violations of the rules, and there is no limit to the fine, and basically it is possible to compensate companies to consumers. FCA also has a flexible rules for taking further measures if it is deemed necessary for consumer protection. < SPAN> Finally, let's touch on another problem. As a result of FCA regulations, commercial debt management companies have begun to withdraw from the market, but the amendment will accelerate. There will be a transitional problem. For example, when the debt management company at the beginning of this year was closed, the debt charity group StepChange lived to pick up the piece. We were able to support more than 400 people, but it turned out that more than half of the people were selling debt management plans that did not fit the situation. When the FCA's approval process begins and the worst businesses are wiped out in this market, a charity organization such as step changes will pick up fragments and help rebuild people's lives. I will. This will be a considerable amount of work. I need to summarize the FCA so that customers who collapse DMP can provide free DMP or other appropriate debt solutions in cooperation with creditors, step changes and other charity sector. I sent a letter to propose. I hope the FCA will participate in this offer. Request for movement

Baron Jolly

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Baron Jolly

Link copy Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

On the issue of debt management companies, the government is concerned about the potential harm to vulnerable consumers who use debt management schemes. Our focus is to comprehensively reform the regulation of this sector as part of a wider reform of consumer credit regulation. Consumers who participate in debt management schemes are now better protected under the FCA's new regime. The FCA has introduced a series of engagement rules aimed at protecting consumers. The FCA has made it clear that the duration of a debt management plan must not impair a customer's ability to make significant payments to creditors.

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Lord Stevenson of Balmacarra

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Thank you for the very thoughtful answers of the Minister. This field is very complicated and very fluid, but I don't think it should be considered. This is because the pressure, pain, and stress that bring to consumers who are weak, but also ordinary consumers (people who are not always weak consumers in the past) are very large. 。 We must always think about them, just like a wider point of revised proposals.

I can't talk without how much FCA is mainly consumers. I don't say this is wrong. Creating an efficient and fair market in which lenders are involved earlier does not necessarily lose harm to other payers. I don't think there is a simple answer to this. However, when considering how to regulate such problems, we must keep in mind.

--- In the second half of the discussion

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Thank you for the very thoughtful answers of the Minister. This field is very complicated and very fluid, but I don't think it should be considered. This is because the pressure, pain, and stress that bring to consumers who are weak, but also ordinary consumers (people who are not always weak consumers in the past) are very large. 。 We must always think about them, just like a wider point of revised proposals.

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Lord Stevenson in Barmakara

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

I can't talk without how much FCA is mainly consumers. I don't say this is wrong. Creating an efficient and fair market in which lenders are involved earlier does not necessarily lose harm to other payers. I don't think there is a simple answer to this. However, when considering how to regulate such problems, we must keep in mind.

Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

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Noble Lords, we should all pay tribute to the amazingly long and stormy campaign that the noble Baroness has undertaken. I have responded to most of her efforts to address this issue over the past three or four years. Her arguments have developed and taken on new dimensions over the years. She often offers a lifeline if the Government wants to take it up, as she did today. What is always sad is that the Government fails to notice her points and act on them. As he was speaking, I thought it was a shame that the Bill was set up in this way. She should really turn up on Halloween as an otherworldly ghost, rattling her chains, and say: "Don't forget about financial transaction blocking." Ministers will all be shaking in their shoes and unable to respond without fear and dread. That may be the case for us if we are lucky enough to win the next election. It may be coming down on my noble friend and on me if we find ourselves in a similar position.

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Of course, we were happy to support this bill, but by adding some points in the process, we could make it better. In the process, the bill was mostly performed in the government that the government was occasionally seen, saying, "I am willing to the extremes of policies, but I am willing to means." The purpose of the policy is that those who do not regulate and do not work according to the rules of the country do not want to play in the UK. To do so, you need some mechanism that can track them. To do so, it is necessary to block their activities on the Internet, or to be able to block financial regulations, which are the lifeline of their business.

It was ironic yesterday that we had just discussed the same room, but in another bill, who had relocated intellectual property to the Internet world, and other names. That is. We have explored the best ways for people who own intellectual property and stolen them to seek rescue through court, reliably stop the fraudulent use, and pay compensation. As a result, it was found that there were two available laws. One is the copyright law, design law, and patent laws enacted long before the Internet spread as it is now, and the other is the Great Memory Act, which was enacted in 2011. be. The law had specific provisions to promote regulations to enable the court to block Internet sites that abuse copyright.

Link copy Like the nobles' Clement, Jones, we supported the open Internet and signed a amendment with its spirit. And if it is not clear that OFCOM has the authority to be clearly revealed, it is important to solve it. < SPAN> I sincerely agree with the noble Baron for the importance of consumer protection. During the gambling (license and advertising) bill 2014, I met many gamblers and were very reluctant to their troubles, just like other government members. As a result of the 2014 law, all remote gambling operators sold in the UK are required to be licensed by the Gambling Committee, and thus the gambling committee will receive strict and consistent regulations. The protection of British consumers has been strengthened, measures for illegal acts, including the perfection of sports betting, are supported, and a more fair competition is established for companies based in the UK. Copy link

Thank you for the noble baron's correction. We have met this problem in the past, and her involvement and advice on this problem helped me move forward. This amendment is related to the enforcement of the Gambling (License and Advertising) Act 2014, mainly to protect consumers. Enforcement issues were also discussed for a long time when the law was enacted. I sincerely agree that effective encombers are essential to achieve the purpose of consumer protection in the 2014 method.

Earlier this year, I agree in Congress to block the Gambling Committee to block financial transactions with Master Cards, visa, PayPal, which is a major payment system organization, and unrecognized businesses. I announced that it was. MasterCard, Visa, and Paypal cover most of the related financial transactions, so it is worth introducing some of them for aristocrats. The noble Baron mentioned other things, but they may not be displayed on the list, but other payment service providers also use VISA and MasterCard. The name may not be there, but behind the system, the actual infrastructure is VISA and MasterCard. It is unlikely that a reputable and legal payment service provider is more interested in promoting illegal activities than major providers.

The Baron Baron has raised issues on the Common Low, which has a legal obligation that does not process illegal providers. VISA, MasterCard, and Paypal Terms of Service require legal legislation in all the applicable areas where all transactions are applied. I hope the problem has become clear.

Since then, this law has been enforced, but has just been enforced a few days ago on November 1. You can confirm that the agreement has been enforced to prevent illegal financial transactions. We believe that these arrangements will provide the best solutions and confuse the revenue of unlicensed licensees sold to the British market. The Gambling Committee can quickly deal with illegal businesses, and outside the strict legal framework, these regulations can be used to the latest trends in response to changes in technology. can.

Since this law has just been enforced this month, these arrangements have just begun. However, as I mentioned in the Great Committee, the Gambling Committee plans to report the effects of enforcement of the law to Congress. At this time, the government did not find evidence of problems that needed legislative solutions, until just before the noble Baron began his remarks. Copy link

Discussion of Barmakara's Stevenson and Baron Jolly