Banks should be 軍隊d to 公表する／暴露する why they debank small 商売／仕事s, MPs say

  • 財務省 委員会 has 解放（する）d findings of a 報告（する）／憶測 into debanking
  • It has called for the FCA to 軍隊 貸す人s to be （疑いを）晴らす on why they are debanking?

By Helen Kirrane

Updated:

The 財務省 委員会 is calling on the 財政上の 行為／行う 当局 to 軍隊 banks to be more transparent over 決定／判定勝ち（する）s to debank small 商売／仕事s.?????

A 報告（する）／憶測 from the 財務省 委員会's 調査 into the 影響s of debanking on small 商売／仕事s 設立する some have been 否定するd banking services based on the type of work they carry out, from 会社／堅いs that specialise in defence to small high street pawnbrokers.

MPs said the 財政上の 監視者 should 強要する 会社／堅いs to send the 財務省 委員会 the number of 商売／仕事 accounts they've の近くにd each ４半期/4分の1 broken 負かす／撃墜する by 推論する／理由.

It comes as more than 140,000 small 商売／仕事s have been de-banked by major 貸す人s in the past year, often すぐに and with no explanation.

UK lenders have closed over 140,000 small business accounts, according to official figures

UK 貸す人s have の近くにd over 140,000 small 商売／仕事 ac counts, によれば 公式の／役人 人物／姿／数字s

The number of 終結s - based on 人物／姿／数字s from Barclays, HSBC, TSB, Lloyds, Santander, NatWest, Metro and Handelsbanken - has 誘発するd scrutiny over how 貸す人s take 決定／判定勝ち（する）s to の近くに accounts.

Debanking was thrust into the スポットライト last summer after 私的な bank Coutts の近くにd Nigel Farage's account, 誘発するing 関心 it was happening to other individuals and 商売／仕事s.?

An 調査 by This is Money 明らかにする／漏らすd that dozens of charities, choirs and 居住（者）s 協会s - many みなすd micro 企業s by the Department for 商売／仕事 and 貿易（する） - had their bank accounts の近くにd suddenly and without explanation.

MPs on the 財務省 委員会 have 非難するd the 不公平な debanking of 合法的 small 商売／仕事s.

The 財務省 委員会 said: 'The 委員会 is 堅固に of the belief that any small 商売／仕事 doing 合法的 work should be able to 接近 a bank account.

'Cross-party members 非難する the debanking of 合法的 商売／仕事s across さまざまな '望ましくない' 部門s, 含むing defence, pawnbroking and amusement machines, where MPs heard banks have の近くにd or 否定するd accounts based on the nature of their work.'

Dame Harriett Baldwin,?Chair of the Treasury Committee: 'banks and regulators are making a tough world for small businesses needlessly tougher'

Dame Harriett Baldwin,?議長，司会を務める of the 財務省 委員会: 'banks and regulators are making a 堅い world for small 商売／仕事s needlessly tougher'

At least 4,214 of the 140,000 加える 終結s last year were せいにするd to '危険 appetite', にもかかわらず this not having a （疑いを）晴らす and 一貫した 鮮明度／定義 within the indus try.

The 調査 設立する that banks are not 正式に 跡をつけるing whether the 評判 of a 会社／堅い or 産業 was taken into account when 商売／仕事s were debanked, instead using 'catch-all 条件' to define the 推論する／理由 for 終結.

HM 財務省 保証するd the 委員会 that 法律を制定する changes would be introduced to 割れ目 負かす／撃墜する on the debanking of 商売／仕事s in the form of a Statutory 器具.?

議長，司会を務める of the 財務省 委員会, Dame Harriett Baldwin, said: 'There's no hiding from the fact smaller 会社／堅いs have had a torrid time over the last few years.

'Unfortunately, what we have 設立する over the course of the 調査 is that there are some instances where banks and regulators are making a 堅い world for small 商売／仕事s needlessly tougher.

'Banks and regulators can't wave a 魔法 病弱なd and solve all of the problems 直面するing small 商売／仕事s in this country, but they can certainly do more than they 現在／一般に are. I hope banks, the regulators and the 財務省 take careful 公式文書，認める of what we've 暴露するd.'

Small 商売／仕事 owners left in the dark over debanking

The 連合 for Small 商売／仕事s said the FCA should 需要・要求する more （警察などへの）密告，告訴（状） from banks to 設立する the main underlying 推論する／理由s for 終結s.?

Small 商売／仕事 owners should also be given a three month grace period to find a new provider if their bank account is to be の近くにd によれば the 連合.?

ツバメ McTague, 国家の 議長，司会を務める of the 連合 of Small 商売／仕事s, said: 'A sudden account 終結 can be 破滅的な, stopping a 商売／仕事 in its 跡をつけるs and often 軍隊ing 商売／仕事 owners to use their own money or go into 負債 to 支払う／賃金 for everything from 決定的な 供給（する）s to rent and staff 給料.

'Small 商売／仕事 owners have 設立する themselves left in the dark, with no （警察などへの）密告，告訴（状） about what's happened ? which, as you might imagine, makes it impossible to 控訴，上告, or to （疑いを）晴らす up 誤解s.?

'Instead they feel abandoned and 削減（する） off, with no 選択 to talk to someone who can help.

'Owners of 商売／仕事 accounts which are under review should be given a chance to 演説（する）／住所 any 関心s.?

'Once a bank has decided to の近くに an account, account 支えるもの／所有者s must be given a three-month grace period to find an 代案／選択肢 provider.?

'The FCA should also 需要・要求する more （警察などへの）密告，告訴（状） from banks to 設立する the main underlying 推論する／理由s for such 終結s, so that we can see if there is disproportionate 衝撃 on 顧客s from particular backgrounds or types of 商売／仕事.

'We're pleased that the 財務省 委員会's 報告（する）／憶測 has 定評のある the 力／強力にする 不均衡 between a small 商売／仕事 顧客 and its bank.?

'FSB has 提案するd that FCA should 向こうずね a continuing light on the extent of de-banking, by collecting and publishing 年４回の data, with defined 推論する／理由s for each 終結 instead of using vague and 極端に 幅の広い 部類s.?

'We therefore very much support the 委員会's 推薦s around 改善するing transparency and consistency.'

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