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Supported by: Alison Harris*, Ruth Maguire*, Bill Kidd*, Richard Lyle*, Clare Haughey*, Tom Arthur*, Bob Doris*, Colin Beattie* *S5M-02473 Ruth Maguire: Payday Loans That the Parliament notes the recent report, Payday — loans: The next generation, which was published by StepChange Debt Charity, on changes to the high-cost, short-term credit (HCSTC) market since the introduction of stricter measures by the Financial Conduct Authority (FCA) in 2015, which included a price cap on HCSTC and stronger affordability guidance and financial health warnings; welcomes evidence, which suggests that the 2015 FCA regulation has had a positive impact on some of the worst conduct issues, such as widespread irresponsible lending, seen at the peak of the market in 2013, with StepChange Debt Charity seeing significantly fewer clients with HCSTC debts in the first half of 2016 (16%) compared to nearly a quarter (23%) in 2013; understands, however, that there remain issues with lending practices, such as the treatment of customers in financial difficulties and the effectiveness of affordability assessments; notes the report s call for the FCA s review of the impact of the price ’ ’ cap, which is to be completed in 2017, to look further into such continuing problems; acknowledges the research s conclusion that there remains a significant gap in the market for ’ accessible and affordable credit; recognises the important role played by credit unions, such as the Kilwinning-based, 1st Alliance Credit Union, and many others across Scotland, in providing affordable loans with fairer conditions and longer repayment terms than the HCSTC market; commends the commitment of StepChange Debt Charity to helping those in debilitating debt and preventing others from entering into it, and wishes both the charity and Scotland s credit unions all ’ the very best in their ongoing work.
Official Report
Meeting date:
18 April 2012
Finance Committee 18 April 2012
The RCN asked:“Is there a risk that an emphasis on FNP expansion—and the possible relocation of current health visitors to the FNP programme—will adversely affect the quality and safety of early years’ support services available for other families?”
Committee reports
Date published:
24 October 2023
The Human Rights of Asylum Seekers in Scotland - Access to health and mental health support and services
She said:
“For mental health needs our service is a psychological trauma service.
Official Report
Meeting date:
3 September 2020
Culture, Tourism, Europe and External Affairs Committee 03 September 2020
That is largely related to the implications of the lower numbers of visitors to sites and of international visitors.
Official Report
Meeting date:
5 March 2019
Environment, Climate Change and Land Reform Committee 05 March 2019
Terminologically, the Scottish regulations use the term “‘UK site network” essentially to replace references to Natura 2000, but the UK regulations use the term “national site network”.
Committee reports
Date published:
12 December 2025
Pre-Budget scrutiny 2026-27: Human Rights Budgeting - Annex A
After a presentation by Dr Hosie, the Committee and CARM explored the case study included in the 2025-26 Equality and Fairer Scotland Budget Statement on employability, which was one of the priority policy areas in the Whole Family Equality Project’s questions in 2023.
Committee reports
Date published:
7 November 2024
Report on Pre-Budget Scrutiny 2025-26 - Managing Scotland's Public Finances: A Strategic Approach - Economic and fiscal context
The biggest single tax rise was the change to employer national insurance contributions, which raises around £26 billion next year. The OBR “assume that firms pass on most but not all of their higher tax costs to employees”.
Committee reports
Date published:
8 November 2023
Net Zero, Energy and Transport Committee report on the Greenhouse Gas Emissions Trading Scheme (Amendment) (No. 2) Order 2023 [draft]
Consideration by the Delegated Powers and Law Reform (DPLR) Committee
At its meeting on 26 September 2023, the DPLR Committee considered the instrument and determined that it did not need to draw the attention of the Parliament to the instrument on any grounds within its remit.
SPICe briefings
Date published:
31 August 2023
The Welfare of Dogs (Scotland) Bill - Background to the Bill
Microchipping, licensing).
26% of UK dog owners knew that puppies should be sold from the place they are bred.
SPICe briefings
Date published:
8 September 2021
Scotland's Business Base: Facts and Figures - Business base by constituency
Table 9: Business base (registered local units) by parliamentary constituency 2020Scottish Parliament ConstituencyLocal Units 2020% of total1-year % change (2019 to 2020)% change 2010 to 2020Aberdeen Central5,7852.6%-0.8%19%Aberdeen Donside2,9601.3%-0.3%18%Aberdeen South and North Kincardine3,7651.7%0.1%21%Aberdeenshire East4,5752.0%-0.8%11%Aberdeenshire West5,1402.3%-1.0%11%Airdrie and Shotts1,9500.9%0.0%6%Almond Valley2,9251.3%-0.2%27%Angus North and Mearns3,5951.6%-0.1%5%Angus South2,6551.2%-0.6%14%Argyll and Bute3,8951.7%0.3%3%Ayr2,8801.3%-3.2%6%Banffshire and Buchan Coast4,1801.9%0.1%12%Caithness, Sutherland and Ross4,7152.1%-1.5%12%Carrick, Cumnock and Doon Valley2,8401.3%1.6%10%Clackmannanshire and Dunblane2,1000.9%-1.2%9%Clydebank and Milngavie2,1701.0%0.2%18%Clydesdale3,1301.4%-1.1%8%Coatbridge and Chryston2,0100.9%-0.5%8%Cowdenbeath2,3051.0%-5.1%37%Cumbernauld and Kilsyth2,0250.9%0.2%16%Cunninghame North2,3951.1%-1.0%7%Cunninghame South1,8150.8%2.3%6%Dumbarton2,2801.0%5.3%15%Dumfriesshire4,1201.8%-0.4%3%Dundee City East1,9750.9%1.3%14%Dundee City West2,8351.3%2.3%13%Dunfermline2,5651.1%0.0%20%East Kilbride2,4901.1%-1.0%19%East Lothian3,0401.4%-0.7%26...
