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Chamber and committees

Meeting of the Parliament

Meeting date: Wednesday, September 12, 2012


Contents


Scottish Government Question Time


Finance, Employment and Sustainable Growth


Business Rates (Review)



1. To ask the Scottish Government what plans it has to review business rates. (S4O-01246)

The Scottish Government intends to review business rates later this year.

Mark McDonald

In that review, what does the minister intend to do with the small business bonus scheme, which has been extremely popular with small businesses and from which many of them have derived significant benefits? Does he foresee the scheme having a key role going forward?

Derek Mackay

The review will consider how the business rates system can better support business and economic growth. It will cover a range of issues, including the effectiveness of current tax breaks—worth more than £540 million this year—rating appeals, transparency, tax avoidance and other matters. However, we have committed to continue the small business bonus scheme for the lifetime of this session of Parliament, thus providing a lifeline to more than 85,000 small business premises across Scotland.

Alex Johnstone (North East Scotland) (Con)

I ask the minister to consider a situation that arose in a number of places in Scotland, but particularly in Ballater in the north-east where a revaluation resulted in businesses going from receiving a 100 per cent discount under the small business bonus scheme to receiving no discount at all. Is there a means by which small businesses can in the future be protected from such changes?

I confirm that such matters can feature as part of the review that we are about to conduct.


Public Sector Pay Levels (Temporary and Agency Staff)



2. To ask the Scottish Government whether it includes the rates of pay of temporary and agency staff when considering public sector pay levels. (S4O-01247)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

We do not directly take into account the pay of temporary and agency staff when considering public sector pay policy. In taking decisions on public sector pay levels, we look at the impact of each of the elements of the pay policy on the wider public sector as well as those bodies that are directly subject to the pay policy.

John Park

I thank the cabinet secretary for that response. I welcome the decision by the Scottish Government to ensure that all directly employed employees are paid the living wage.

I am sure that the cabinet secretary will agree with me that if employees who work for the Scottish Government—or for any other employer—are paid what is regarded as the going rate in terms of the living wage, that might encourage their employer to look at expanding the use of agency and temporary workers. What is the Scottish Government’s view on ensuring that the living wage is extended to agency and temporary workers who work in the Scottish Government?

John Swinney

I confirm that, in relation to employment arrangements, the Government’s preference is not to encourage the use of temporary and agency staff. We prefer to have employment arrangements that are structured around permanent employees. I am sure that Mr Park would welcome that.

Given that the Government is committed to the implementation of the living wage, of course we would encourage others to follow our example. In yesterday’s debate I referred to the increasing prevalence of the policy in the local authority community. Clearly, in the private sector there is an opportunity to emulate the Government in that respect.

I assure Mr Park that in our pay arrangements we try to maximise the proportion of permanent staff among our employees, who will carry entitlement to the living wage arrangements. We will continue to encourage others to follow the leadership that the Government has demonstrated on this issue.


Business Improvement Districts



3. To ask the Scottish Government how businesses can benefit from being part of business improvement districts. (S4O-01248)

The Minister for Local Government and Planning (Derek Mackay)

Business improvement districts such as those in Inverness and Elgin enable the private and public sectors to work together and invest in improvements to the local business environment while contributing to the wider regeneration of the local community. Businesses also benefit from the sharing of good practice across BID areas.

Jamie McGrigor

The minister may be aware that, in Argyll, Oban businesses are currently voting on whether to establish a BID in the town, with the result of the postal ballot due in early October. Will he join me in paying tribute to the BID4Oban team, who are seeking support from their fellow businesspeople for their positive proposal? Does he agree that a BID in Oban has the potential to boost the local economy and support local retailers, as has happened through BIDs elsewhere?

Derek Mackay

Yes, absolutely. The Scottish Government concurs with those words. A number of BIDs are being developed—18 are at the development stage, six of which are in Mr McGrigor’s constituency. I hope that the Oban result is positive, leads to change and further contributes to the agenda to regenerate that community through, for example, the CHORD—Campbeltown, Helensburgh, Oban, Rothesay and Dunoon—programme .

Christina McKelvie (Hamilton, Larkhall and Stonehouse) (SNP)

The minister is obviously aware of how the BID process and setting up a BID can benefit a community. Jamie McGrigor expressed very eloquently how a BID can support Oban. Hamilton, too, is going through the BID process and its ballot deadline is 11 October. I extend an invitation to the minister from the Hamilton Chamber of Commerce to visit Hamilton just before the ballot deadline in order to lend his support.

Derek Mackay

I confirm that we support that BID proposal. I support it personally and, diary permitting, I will try to make the deadline for the ballot. I look forward to a positive outcome. I hope that BIDs will help to regenerate communities such as Hamilton.


Tourism Promotion (West Scotland)



4. To ask the Scottish Government what recent action it has taken to promote tourism in West Scotland. (S4O-01249)

The west of Scotland is promoted throughout VisitScotland’s suite of marketing activity, including on the organisation’s national tourism website, which receives circa 13 million visits annually.

Stuart McMillan

Last weekend, I attended a few of the doors open day events in Inverclyde—I am sure that colleagues from across the chamber did the same in their parts of the world. I was disappointed that Newark castle in Port Glasgow was not involved this year, although it has been involved in previous years. I ask the minister to speak to Historic Scotland and to encourage it to reconsider that decision for future years, please.

Fergus Ewing

I thank the member for advance notice of the content of his supplementary question. Doors open day gives visitors free access to hundreds of fascinating buildings throughout Scotland that are normally closed to the public, such as the Irn Bru factory, which members may be interested in visiting. The point of the event is to open the doors of buildings that are normally closed to the public. I am advised that Newark castle is already open to the public seven days a week from 1 April to 30 September and that it was for that reason that Historic Scotland decided not to include it in this year’s event. I take the opportunity to recommend that colleagues pay a visit to Newark castle before 30 September.


Retail Sales and High Street Footfall (Scottish Borders)

John Lamont (Ettrick, Roxburgh and Berwickshire) (Con)



5. To ask the Scottish Government what its position is on figures showing an 8.2 per cent drop in retail sales on 2011 and an average 17 per cent drop in high street footfall across eight towns in the Borders in the last four years. (S4O-01250)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

The Government takes a number of steps to support Scotland’s retail sector through actions such as the small business bonus scheme and other reliefs, which provide zero or reduced business rates for 63 per cent of retail premises in Scotland. The Scottish Government is also working to provide support for our town centres. On 9 September, the Deputy First Minister announced details of the Scottish Government’s national town centre review. As part of that review, we are working with the Scottish Retail Consortium to consider the role of the modern town centre in 21st century Scotland.

John Lamont

Towns such as Selkirk and Duns in my constituency have seen drops of up to 30 per cent in footfall on their high streets. Retailers are crying out for more help from the Scottish Government but, instead, the Government is hitting them further with damaging measures such as the SNP’s retail tax, which has led to a £95 million increase in business rates. Will the Scottish Government finally take real steps to help Scottish shops and high-street businesses and stop that hugely damaging measure?

John Swinney

It is some years—to my shame—since I have been in Duns, but I cannot imagine that many properties there will be paying the Government’s public health supplement. If I am incorrect, Mr Lamont can correct me, but as he is not doing so I think that I am on safe ground.

Mr Lamont’s point is utterly misplaced, given that the Government is providing support for the majority—I would imagine—of retailers in Duns town centre and the other town centres that he mentioned through reduced or zero business rates. That is a direct contribution to the town centres to which he referred.

Through the work that my colleague Richard Lochhead is doing on food and drink, the Government is getting involved in actively encouraging quality local produce—Mr Lamont represents a part of Scotland that has a fine reputation in that regard—to be available and promoted locally. That is an essential part of linking together all the reasons why people should shop locally in some of the fine towns and communities that Mr Lamont represents.


Budget (Block Grant Reductions)



6. To ask the Scottish Government how it will use the budget to address the reductions in the block grant from the United Kingdom Government. (S4O-01251)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

Within the financial constraints that have been imposed, we are maximising the impact of our spending on the economy, jobs and improving public services. Subject to further detail in next week’s draft budget, I can outline our approach.

We are prioritising infrastructure investment to generate jobs and stimulate growth; accelerating capital; switching revenue to capital; and using the non-profit distributing pipeline. Announcements in February and June further committed more than £500 million to infrastructure over the period to 2014-15. Meanwhile, we are protecting national health service budgets; maintaining 1,000 additional police officers; upholding the council tax freeze; ensuring that there are no tuition fees; improving school quality; and maintaining teacher numbers.

All that is set against continuing year-on-year real-terms cuts to the Scottish budget. The UK Government’s economic strategy has failed, and its austerity approach is at odds with the wishes of the people of Scotland.

Fiona McLeod

I look forward to seeing the detail of the budget in the coming weeks. If Westminster finally gave the go-ahead to the Scottish Government’s list of shovel-ready projects—including the University of Glasgow centre for virology research, which has been proposed for the Garscube estate in my constituency—how much of an impact would that have on construction and employment in Scotland?

John Swinney

The Government has estimated that the list of projects that we have proposed to the UK Government would, if applied, have the effect of supporting more than 4,000 jobs. We estimate that approximately 60 per cent of those jobs would be in the construction sector.

Any member who has visited any of the construction projects that are under way in Scotland at present will have noticed the significant amount of personnel who are involved in the management and operation of the sites. Encouraging further projects and capital investment would be a welcome contribution to economic recovery.

Question 7 has not been lodged, for understandable reasons.


Construction Projects (United Kingdom Government Approvals)



8. To ask the Scottish Government what the impact on the economy would be if the shovel-ready projects proposed to the UK Government were approved. (S4O-01253)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

As I said in my answer to Fiona McLeod, if the projects on the list that the Government has provided were taken forward, they would provide an immediate boost to the construction sector and the wider economy by supporting more than 4,000 jobs. They would help to kick-start wider private sector investment and provide a double benefit to the economy: a short-term benefit from the building of the assets and a long-term benefit from their use.

The Scottish Government recognises the importance of sustained capital investment, and we have repeatedly called for action from Westminster to bring forward capital investment now in order to boost the economy.

Colin Beattie

In my constituency of Midlothian North and Musselburgh, even a small proportion of the work related to the £300 million of shovel-ready projects would help to kick-start the local economy, which relies substantially on construction-related projects for its prosperity.

Does the cabinet secretary agree that the United Kingdom Chancellor of the Exchequer and the Westminster Government are significantly failing the people of Scotland in refusing to back the Scottish Government’s efforts to maintain employment, jobs and prosperity in Scotland?

John Swinney

One point that I will make to Mr Beattie in agreeing with the thrust of his question is that, this morning, my first engagement was with the Fife economy partnership, involving a range of members from the Fife Chamber of Commerce. As regards the concerns expressed at that event about the health of the construction sector, it was clear to me that the type of investments that Mr Beattie talks about are of real relevance in stimulating local economies.

I assure Mr Beattie that the Government will continue to pursue that approach with the United Kingdom Government. The essential impact of the shovel-ready projects is that they provide immediate economic benefit in local areas in Scotland and have the effect of creating wider investment confidence, which is crucial in meeting the challenges that we face. This Government will continue to pursue that line of argument with the UK Government. Of course, I am also considering those issues as I plan the budget statement, which will be given to Parliament next Thursday.

I ask Mr Swinney what the impact has been on the Scottish economy—on joblessness in particular—of his decision as finance minister to cut £86 million from the housing budget.

John Swinney

I am surprised that Mr Macintosh has returned to that territory after the explanation that the Deputy First Minister gave him so forcefully yesterday.

The Deputy First Minister was able to demonstrate that although this Government has had, of necessity, to allocate a lower amount of money to the housing budget because of the 33 per cent cut in our budget—of course, to be fair to my Conservative colleagues, that is a lower cut to the budget than would have been applied had Mr Macintosh’s friends remained in government in the United Kingdom—we have still been able to build more social housing, despite those difficulties, than were built under the Administration that Mr Macintosh supported.

We have therefore been able to support construction employment; I add the schools that are being built, the roads that are being developed, the bridges that are being built and the other projects that are being taken forward in Scotland.

There is strong ground for good agreement to be reached in this Parliament to make the point to the United Kingdom Government that the reductions in capital investment have gone too far. Given all the information that I marshalled in Parliament yesterday, there is an absolute necessity for sustained investment in capital projects. We hope that we will have Mr Macintosh’s support in making that case to the United Kingdom Government.


Construction Sector (Stimulation)



9. To ask the Scottish Government what measures it will put in place to stimulate the construction sector. (S4O-01254)

The Minister for Energy, Enterprise and Tourism (Fergus Ewing)

In the face of United Kingdom Government cuts to the Scottish capital budget of over 30 per cent, the Scottish Government is maximising its capital expenditure to support infrastructure investment and jobs across Scotland. We are switching more than £700 million from resource to capital spending over the spending review period. We are also taking forward a new programme of non-profit distribution investment worth £2,500 million. As a result, total capital spending will be more than 25 per cent higher in 2014-15 than in 2011-12.

Michael McMahon

In the past few months, as the minister will know, my constituency has—among other setbacks—lost more than 500 jobs at W J Harte Construction Ltd. It has recently seen Laing O’Rourke Construction Ltd decide to close its Bison concrete plant, where it makes an array of products for the construction sector.

At Terex, 70 job losses have been announced, and it is to go on to short-time working. I recently visited Terex and I was disappointed to learn just how little support and advice it has received from Government bodies, when it is facing its most difficult period in years, due to contraction in its main markets overseas, which are very dependent on the economies of America and China. Will the minister investigate why Terex believes that it is being overlooked and not considered favourably in relation to ticking all the boxes because it does not put up wind turbines, but makes equipment to build roads and to dig quarries?

Fergus Ewing

We certainly agree and are acutely aware of the difficulties that the construction sector faces across Scotland. Michael McMahon knows that we make every effort to engage with businesses; we will certainly do so in the Terex case since he has raised it in the chamber. I undertake to look personally into that case and to report back to him as quickly as possible.

I also engaged with Michael McMahon on the W J Harte case. In that very difficult case, the partnership action for continuing employment response was welcomed by Mr McMahon and the employees who had the opportunity of receiving PACE services. In fact, 38 out of the 48 who attended one of the events said that it could not really have been better, which was a tribute from people who, in a particularly difficult situation, were able to recognise that the PACE service in Scotland has been very good during successive terms of Government.

These are very serious matters. We have brought forward a range of construction projects—I do not have time to read out the whole list—but we have transferred money to capital precisely to address the issues that Michael McMahon has fairly raised today.


Remploy



10. To ask the Scottish Government what recent discussions it has had with the United Kingdom Government regarding the future of Remploy factories in Scotland. (S4O-01255)

The Minister for Energy, Enterprise and Tourism (Fergus Ewing)

Scottish ministers and officials are in regular contact with the United Kingdom Government regarding the future of Remploy factories in Scotland. I have been engaged directly in dialogue with Maria Miller, the former UK Minister for Disabled People. Following the UK Cabinet reshuffle, the new minister, Esther McVey, will meet me during a visit to the Scottish Parliament in October.

Parallel to that ministerial engagement, I have set up a stakeholder group which includes the Department for Work and Pensions, Remploy, the trade unions GMB and Unite, Scottish Enterprise, Just Enterprise, the voluntary sector, the Convention of Scottish Local Authorities and partnership action for continuing employment—Scotland’s redundancy support and advice service. The group has met under my chairmanship on three occasions and will meet again on 19 September. It is working with the DWP to ensure the best possible outcomes for Remploy staff.

Bob Doris

The minister will be aware of my on-going concerns about the sales process for Remploy Springburn and how workers and unions have been treated. Does the minister agree that, with the new minister Esther McVey MP now being in charge of disability issues at UK level, the UK Government has the opportunity to rethink its approach, to guarantee workers’ rights under the Transfer of Undertakings (Protection of Employment) Regulations, and to reconsider the detrimental pension and redundancy conditions? When he meets the minister, will he make such representations to her, as I have done?

Fergus Ewing

Bob Doris has raised the issue of Springburn in his constituency and members from all parties have raised the plight of the Remploy workforce. I cannot think of any workforce that is more deserving of our support, or that is more vulnerable, than the Remploy workforce. At all stages of the process, we have made crystal clear our views about the UK Government’s decisions, and we adhere to those views. Our duty now is to do the very best with the situation as it is, rather than as we would prefer it to be. We will continue to do everything possible to assist the workers who are affected in Remploy factories throughout Scotland—not only those who are in phase 1 and who face the prospect of immediate redundancy, but those in other factories whose futures are uncertain. I am sure that we will come back to the issue many times in this chamber in the months ahead.

Patricia Ferguson (Glasgow Maryhill and Springburn) (Lab)

I thank the minister for his support, but he will be aware that the leader of Scottish Labour has written to him to ask whether it would be possible for the Scottish Government to consider a range of measures, like those that have been proposed by the Welsh Assembly Government, such that employers who wished to take on redundant ex-workers from Remploy would be assisted to do so for up to four years in order to carry out any necessary modifications to their premises and to see to other related matters. The minister might not be aware that I have written to the Equal Opportunities Committee to ask that it undertake an inquiry into the entire issue of Remploy because—as Bob Doris rightly said—there are a number of issues about how the process has been carried out. Does the minister intend to agree to Ms Lamont’s proposals, and will he back my proposals?

Fergus Ewing

I am afraid that I am not aware of all those matters. In particular, I am not aware of any detailed proposals having been received, but I say to Patricia Ferguson that I undertake to look into that and at any correspondence that has been received, and to reply as swiftly as possible.

Plainly, we will consider seriously any appropriate and workable suggestions for measures that could be undertaken. That is why we work so closely with people who are involved, such as the trade union representatives who sit with other colleagues on the stakeholder group that I have chaired on three occasions, and will chair again on 19 September.

We are also looking—my colleague Nicola Sturgeon will pursue this—at ways in which we can assist supported workplaces through local government procurement. That is an area in which we have done sterling work, which I believe offers hope for the future.

Finally—albeit that we are not in the driving seat because we are not in charge of the process of trying to ensure that the Remploy factories that face closure have every chance of continuing under new ownership or management—we hope that that can be achieved for as many of the factories as possible. It is a challenging task, but we look forward to working with all members in pursuing it over the very short period of the next few weeks.


Planning System (Performance Improvement)



11. To ask the Scottish Government how it plans to work with local authorities to improve performance in relation to the planning system. (S4O-01256)

The Minister for Local Government and Planning (Derek Mackay)

We are determined to see an improvement in performance across Scotland and we have already worked closely with planning authorities on the new planning performance framework. Authorities’ first performance reports are due this month and we will discuss with them the implementation of their service improvement priorities.

Graeme Dey

Although councils at times create difficulties through the way in which they interpret planning guidelines, it is also the case that being at the coalface gives them a feel for how the system might be simplified and improved. Will opportunities be afforded to individual local authorities to feed into the process of reform, or will the Scottish Government engage only indirectly via the Convention of Scottish Local Authorities?

Derek Mackay

A range of activities can be undertaken to ensure that individual local authorities’ voices are heard, including through the professional organisation Heads of Planning Scotland, through the continuing consultation “Planning Reform: Next Steps”, through the national planning policy framework and through the performance framework. There is a range of ways in which local authorities can contribute their views on how planning can be shaped to support sustainable economic growth in Scotland.

Alex Johnstone (North East Scotland) (Con)

The minister will be aware that Eric Pickles announced in the House of Commons last week the intention south of the border to relax certain planning laws, including a temporary suspension of certain requirements. Has the minister considered whether those steps would be appropriate in Scotland, given that they could boost the economy and construction and, by reducing councils’ workloads, perhaps improve their efficiency?

Derek Mackay

I inform Mr Johnstone that I will return to Parliament next week with a comprehensive statement on planning matters. It will show that, once again, the Scottish Government is ahead of our United Kingdom counterparts on matters such as planning and supporting economic recovery. We will, of course, examine whatever measures are announced in England or other places and ensure that we have a competitive edge. I am sure that Mr Johnstone will listen carefully to my announcement to Parliament next week.


West Scotland (Additional Funding)



12. To ask the Scottish Government whether it will provide additional funding to local authorities in West Scotland to deal with unemployment, deprivation and poverty. (S4O-01257)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

Sustainable employment is critical to addressing disadvantage and poverty. The Scottish Government is providing a range of funding to local authorities in West Scotland to support that. This year, local authorities in the region received £599,241 specifically to support the delivery of opportunities for all, including 16+ learning choices and activity agreements.

Additionally, North Ayrshire and Renfrewshire councils, which are in the West Scotland region, are receiving £1.6 million of the extra £9 million of funding that is available this year to support youth employment. Those authorities are also benefiting from European structural funding of £19.8 million until September 2013 and £4.3 million of European regional development funding until July 2014.

Does the cabinet secretary agree that cutting the revenue allocation to Renfrewshire Council, which received the fifth-worst cut, will have a serious impact on services on which the most disadvantaged people depend?

John Swinney

As Mary Fee will know—and as I think I explained to her and her colleagues Jim Sheridan MP and Douglas Alexander MP on what we might call the picket lines of the Cabinet meeting in Renfrew—Renfrewshire Council’s funding settlement is driven by the local authority distribution formula that is agreed by all local authorities through the Convention of Scottish Local Authorities. Although it is essentially a population-based formula that predominantly structures the amount of resources allocated to individual localities, it takes due account of deprivation, rurality and sparsity of population, in certain cases, and of a variety of other indicators in order to arrive at the fairest distribution of resources around the country. The mechanism was last reviewed in the spending review and was signed up to by all local authorities in Scotland.


Public Sector Pension Reform



13. To ask the Scottish Government whether it has received clear information from the United Kingdom Government regarding its plans for public sector pension reform. (S4O-01258)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

In March 2012, we entered in good faith into negotiations with stakeholders to develop pension scheme designs that are appropriate for Scottish circumstances. Since then, the UK Government has indicated that it intends to use its forthcoming public service pensions reform bill to prescribe a number of significant constraints to that process. That has changed the context of our negotiations significantly, so I am actively pressing the UK Government for further clarity as a matter of urgency.

Is the cabinet secretary able to tell us the issues on which the UK Government has not provided the clarity that he is seeking, and how they might impact on the ability to negotiate?

John Swinney

As I have indicated, the issues are the subject of active correspondence with the Treasury. I wrote to the Chief Secretary to the Treasury most recently on 7 September—one of a number of letters that I have written seeking clarity on these points.

I understand that the constraints that I referred to will be set out in the public service pension reform bill that the UK Government will publish later this week. Among the key questions on which I am seeking clarity is whether an absolute link will be established in statute between the normal pension age and the state pension age. I think that if there is to be flexibility, there is significant scope for negotiation in that area. However, I fear that such a link will be established, which will reduce flexibility in negotiating pension scheme arrangements in Scotland.

The bill might have other characteristics that will restrict our ability to undertake negotiations in Scotland; in particular, I am interested to know whether the powers and responsibilities of Scottish Government ministers will be eroded in any way by the implications of the bill, which might involve giving the Treasury the ability to exercise control over changes to scheme regulations beyond the current areas of activity.

Although I am unable to give Mr Hepburn a clear answer to his question just now, I suspect that some of the details will become clear in the not-too-distant future.


Long-term Unemployment



14. To ask the Scottish Government what it is doing to tackle long-term unemployment. (S4O-01259)

The Cabinet Secretary for Finance, Employment and Sustainable Growth (John Swinney)

The range of actions that the Government is taking on the issue of long-term unemployment is captured in its budget proposals and capital programmes. We will shortly publish our refreshed employability framework, which seeks to better align services for people who are out of work and thus help them to overcome their barriers to employment. We are also investing £64.6 million of European social funds to support employability initiatives worth £168 million in some of the most disadvantaged parts of the country.

Moreover, through our youth employment strategy, we are focusing significant efforts on strengthening transitions for young people from school into appropriate training, work experience and employment. Those efforts are supported by an additional £30 million-worth of investment.

Iain Gray

I thank the cabinet secretary for quite a broad-brush reply to what was, in fairness, a broad-brush question. However, the devil is often in the detail. In my constituency, the number of people who have been claiming jobseekers allowance for more than 12 months has almost doubled. Today’s unemployment figures mean that that situation is unlikely to have improved. Behind that detail, figures that were released yesterday showed that East Lothian and East Renfrewshire had recorded the largest rises in female unemployment over the past four years—rises of more than 275 per cent.

The cabinet secretary will be well aware of the strong link between female unemployment in particular and child poverty. Today, the Scottish Government held a summit on women’s unemployment. Will he mention any practical policy actions that he expects to emerge from the summit and which he will implement that might give some hope to the unemployed women in my constituency?

John Swinney

The Government recognises the seriousness of the issue that Mr Gray raises. Yesterday’s debate, the updates to our economic interventions and the variety of different interventions that the Government is making to support people to enter the labour market and, particularly on capital investment, to support the economy in order to create job-growing projects, will all assist in stimulating the economy and encouraging people back into employment.

Mr Gray is correct that, today, the Government—along with the Scottish Trades Union Congress—hosted a summit on female employment. I expect to hear the outcome of that event shortly. As part of that process, the Government recognises the link that Iain Gray establishes with child poverty. The purpose of the summit was to identify what further actions the Government could take to address the issue. I assure him that we will take those points forward seriously as a consequence of the dialogue that took place today.


Payday Lending (Regulatory Regime)



16. To ask the Scottish Government what recent discussions it has had with the United Kingdom Government regarding the regulatory regime in relation to payday lending. (S4O-01261)

The Minister for Energy, Enterprise and Tourism (Fergus Ewing)

In April, I wrote to the UK minister Norman Lamb seeking greater regulation of payday loans and urging the UK Government to consider a cap on interest rates for high-interest and payday lending.

Further to that letter, the UK Government has reached an agreement with the industry’s four main trade associations to strengthen the industry’s code of practice.

Chic Brodie

Veritec, a US software company, provides a small credit database to a number of US states and to Australia. That system allows high-street lenders to check whether customers have loans from other lenders and allows states to regulate payday loans, cap them and prevent them from rolling over, thereby protecting consumers from creating huge debts. In the light of the proliferation of high-street lenders, will the minister suggest that UK Government consider a similar system of regulation?

Fergus Ewing

I am particularly interested in the idea that there is a technology that can detect whether individual potential borrowers already have previous debts. That should be explored.

On the proposal for regulation along the lines of regulation in the USA, where payday lending is illegal in 13 states and regulated in 37, we have already raised the idea of a cap with the UK Government. The issue is serious and there are very strong arguments in favour of a cap. I am not persuaded that the UK Government’s approach will be sufficient to address the problem, although I recognise that some progress has been made. Therefore, we will repeat and renew our efforts to regulate payday loans.

If only we had the full range of powers in Scotland, we would certainly regulate.

I regret that we are unable to take any more questions.