(5 years, 4 months ago)
Lords ChamberI shall not give a technical answer to that but there is technology using cookies and other data to direct advertising and gambling advertisements to certain people. If you can do that, you can also target it away from people, and that is what the companies have committed to do today. Banks and other financial institutions can use data and algorithms to work out when people are getting involved in problem gambling. We are investigating that with the banks and it is something that we would expect them to do. As I said to my noble friend Lord Deben, we are also looking at the use of credit cards in that respect.
First, following on from that point, can the Minister say whether the Government have had discussions with the gambling industry about the use of algorithms? Secondly, he says that the Government are now looking to the industry to act responsibly and will be monitoring what it does. How long will that period of monitoring last? Thirdly, a Select Committee in this House has been appointed to look at this issue. Will any agreement that the Government reach with the gambling industry inhibit the implementation of recommendations from the Select Committee?
I do not know specifically whether we have directly talked about algorithms. However, I know that we have talked about the use of data, which of course is the food for algorithms. Essentially, whenever you use data and computers to make decisions, you use an algorithm. I assume that is the case but I have not been given the specifics on it. The noble Lord asked for how long the industry will be monitored. We have been clear that there will be monitoring. It happens the whole time. Gambling companies have to give an annual assurance to the Gambling Commission and that will continue on a permanent basis. We will certainly take the Select Committee’s deliberations and conclusions into account, and we may or may not act on them depending on what they are.
Is the noble Lord aware that many older people are having increasing difficulties in dealing with HMRC, notwithstanding what he has just reported? If more offices close, that means more difficulties for them in the future. Is he aware that a special service needs to be provided for such people, and that there is in fact a charity, Tax Help for Older People, with 600 to 700 people working in it, including ex-Revenue people and ex-accountants? I declare an interest as a patron. Given that more offices are to close and that more difficulties are looming for older people, is the Minister prepared to reveal the possibility of giving financial assistance to that charity?
My Lords, HMRC does realise that different people have different needs. The whole point of the online service is that those who are able and willing to use it can do so, which enables HMRC to deal with people in the more old-fashioned way—face-to face and on the telephone. It will be able to do that more easily, and the figures show that it is improving.