Banks: Fraud Prevention

Debate between Lord Young of Cookham and Lord Hayward

Monday 20th May 2019 Lords Chamber

[Lord Young of Cookham]

It is exactly because the Government were not satisfied with the progress being made that the former Home Secretary asked HMRC to inspect the police response to fraud. It responded on 2 April with 16 recommendations that the Government, together with banks and the police, are in the process of implementing. There is a range of recommendations, including a more co-ordinated national response and more support for the customer. Action Fraud is also introducing a more responsive service so that, if you report a fraud, you will get feedback from the banks; that was not necessarily the case before. I am not sure whether we need more legislation; we need to see how the initiatives I referred to work through.

[Lord Hayward (Con)]

My Lords, my noble friend referred to the policies adopted by banks. This morning, I received a completely unannounced phone call from Barclays, asking me questions relating to my account details. Is it not possible for banks, where they know that they will contact customers in relation to the contents of their accounts, to send them an email or a letter beforehand rather than calling on an ad hoc basis?

[Lord Young of Cookham]

If I got a telephone call from the bank, I would hang up and then ring back. An additional measure will be introduced later this year for larger payments and payments where the banks think that there is a risk, in that they will have what they call multifactor authentication. In that case, they would text my noble friend saying that a payment was going through and asking him to confirm it. In the case my noble friend referred to, as I said, my instinct would be to hang up and ring the number on the back of my card.

Elections: Online Interference

Debate between Lord Young of Cookham and Lord Hayward

Wednesday 1st May 2019 Lords Chamber

[Lord Young of Cookham]

For once, most uncharacteristically, the noble Lord is incorrect. The Electoral Commission is not dependent on the Government for its resources; it is dependent on the Speaker’s Committee on the Electoral Commission in another place. I am grateful for his gracious nod in response. The budget is set by the Speaker’s Committee, but I can say that in the last year for which we have figures the Electoral Commission underspent by £1.1 million.

[Lord Hayward (Con)]

My Lords, does my noble friend agree that any form of interference in elections is important and should be dealt with? Therefore, I encourage the Government to adopt Labour Party policy on voter ID and require people to produce some form of ID at all elections, as the Labour Party does when selecting candidates.

[Lord Young of Cookham]

Of course, I have no idea how the Labour Party selects its candidates—

Election Expenditure

Debate between Lord Young of Cookham and Lord Hayward

Wednesday 13th February 2019 Lords Chamber

[Lord Hayward (Con)]

First, I declare a personal interest, in that I know well all three individuals named in the Question. I follow the noble Lord, Lord Rennard, in seeking clarification, particularly in relation to the upcoming local elections on 2 May. There is uncertainty for both candidates and agents. Will the Electoral Commission and other bodies urgently seek to provide as much clarification as possible, so that, where possible, that element of uncertainty is removed?

[Lord Young of Cookham]

My noble friend raises a good point. The recent guidance by the Electoral Commission was issued before we had the judgment of the Southwark court. Certainly, the commission might see whether that guidance might be updated to help candidates and agents in the light of the judgment of the Supreme Court and the Southwark case.

Electoral Commission

Debate between Lord Young of Cookham and Lord Hayward

Tuesday 17th July 2018 Lords Chamber

[Lord Young of Cookham]

I refer the noble Lord to the reports of the Electoral Commission and UCL, which came out yesterday. They both say that they do not believe that the irregularities we have referred to would necessarily have affected the outcome of the referendum.

[Lord Hayward (Con)]

In looking forward to changes in legislation, would my noble friend give serious consideration to real-time reporting of expenses? Nowadays, we face fast-moving election programmes and campaigns. In this case and in others, it appears that the legislation has not kept up with the processes that can be adopted and followed.

[Lord Young of Cookham]

That is a helpful suggestion. We should consult with the political parties to see how practical it is, but that suggestion was made in the exchanges in the other place. It is well worth looking at that to see in advance whether anyone is heading for an overspend.

Online Material: Identification of Promoters

Debate between Lord Young of Cookham and Lord Hayward

Thursday 7th June 2018 Lords Chamber

[Lord Young of Cookham]

Yes, I do agree. The Electoral Commission is currently conducting some inquiries into campaigning irregularities, and the results of those inquiries will be published in the next few months. When we have disposed of current cases before the courts, we will then be in a position to address the important issues raised by the noble Lord.

[Lord Hayward (Con)]

My Lords, I echo the question from the noble Lord, Lord Kennedy, and express my concern about the general state of regulation and legislation, not only in relation to expenses but on a broader range of issues associated with elections. I suggest that when my noble friend considers this broad range of issues, he might consider regulations in relation to bar charts.

[Lord Young of Cookham]

I cannot think which political party my noble friend is referring to. On his first point, endorsing what the noble Lord, Lord Kennedy, has just said, in June 2017 the Conservative Party made the following statement:

“There is a broad consensus that election law is fragmented, confused and unclear, with two different sets of legislation and poor guidance from the Electoral Commission”.


As I said in response to an earlier question, once we have the information that I referred to we will be in a position to have a dialogue with the Electoral Commission about how changes in electoral law are made.

Local Elections: Voter ID

Debate between Lord Young of Cookham and Lord Hayward

Tuesday 24th April 2018 Lords Chamber

[Lord Young of Cookham]

I was not in your Lordships’ House in March 2006—I was elsewhere—so I do not recall that intervention. However, the noble Lord made a similar intervention when we debated a statutory instrument on the combined authorities order 2017. We are not minded to adopt the proposals that he has referred to. Any incidence of electoral fraud is unacceptable. The independent Electoral Commission have been pressing for voter ID since 2014; the Eric Pickles report that looked at the wider incidence of voter fraud recommended it as part of the way forward; and I think that this is the right way. I notice that when we debated the measure in Grand Committee there was broad support for the Government’s approach, with a notable dissenting intervention by the noble Lord.

[Lord Hayward (Con)]

Would my noble friend consider, when he reviews the effectiveness of ID in voting systems, consulting the Labour Party? In selection meetings the Labour Party requires two forms of ID: one photo ID and one proof of address. It goes on to say, “It is rare that members have no form of ID”. That is a direct quote from the Tottenham Labour Party, but it applies—does it not?—to many other Labour constituency parties: they have experience and expertise that the Government could well draw on.

[Lord Young of Cookham]

I am very grateful to my noble friend. The chances of my presenting myself at a selection meeting for the Labour Party, when it chooses a new candidate, are small. However, my noble friend makes a valid point: people are now accustomed to being asked for various forms of ID during the normal course of their daily lives, so there should not be a problem as we introduce these pilots for voter ID in a few local authorities.

Elections: Personal Data

Debate between Lord Young of Cookham and Lord Hayward

Wednesday 18th April 2018 Lords Chamber

[Lord Hayward (Con)]

My Lords, following the previous question about the problems of international interference in all forms of elections throughout the world, is it not the case that technology is moving so fast that any change in electoral law will have to be drafted in a very flexible manner so that it keeps up with the changes in technology, whether the threat comes from Russia, America, Cambridge Analytica or anywhere else?

[Lord Young of Cookham]

I agree with my noble friend. I know Henry VIII is not always man of the match in this country, but the Data Protection Bill provides order-making powers so that the Government can act quickly to keep rights and responsibilities up to date and respond to the emerging threats that my noble friend has just mentioned.

General Election: Voting Rights

Debate between Lord Young of Cookham and Lord Hayward

Tuesday 25th April 2017 Lords Chamber

[Lord Young of Cookham]

Since the last election, the issue has been discussed on several occasions in the other place. Each time that it was put to a vote, the proposition that the noble Lord has just referred to was voted down. We are in line with most mature democracies in having a voting age of 18, which is aligned with the age for jury service. I do not detect a huge public demand to lower it.

[Lord Hayward (Con)]

My Lords, what efforts are being made by different agencies and government to ensure not only that there is participation in terms of registration to vote but that those people who will be on holiday on general election day can vote?

[Lord Young of Cookham]

My noble friend takes a keen interest in matters psephological. He is quite right that a large number of people who have retired will be taking their holiday in June. The Electoral Commission is aware of this propensity and, as part of its campaign to encourage people to register to vote, it will be taking on board the necessity to remind people who are going to be away that they should vote by post. I suspect that the political parties will be taking similar initiatives.

Elections and Referendums: Spending Rules

Debate between Lord Young of Cookham and Lord Hayward

Wednesday 29th March 2017 Lords Chamber

[Lord Young of Cookham]

I am grateful to the noble Lord for the way he put that question. He will understand that I cannot respond to the particular instances that have now been referred to the police and prosecution authorities. The legislation—the Political Parties, Elections and Referendums Act—sought to make a distinction between national spending on the one hand and constituency spending on the other. As I said a few moments ago, I think it makes sense to wait until the investigations by the Electoral Commission and the police are completed. Then, of course, we should stand back and look at the legislation to see whether we need greater clarity for all political parties in interpreting how that distinction should be made.

[Lord Hayward (Con)]

I welcome what my noble friend just said on this particular convoluted collection of legislation. The process of conducting elections has moved on dramatically over the last 20 years. In reality, the law in all its guises has been in need of reform throughout that period. May I also make a quick reference to the third Question on the Order Paper, and say that that may include treating?

[Lord Young of Cookham]

I am grateful to my noble friend. He is right to say that there are a number of reports—the report from Sir Eric Pickles on fraud in local elections, the report from my noble friend Lord Hodgson on third-party campaigning, and the interim report of the Law Commission—which have an impact on the legislation on elections. As I said a few moments ago, it makes sense to stand back, look at all the recommendations and, in consultation with the Electoral Commission and all the political parties, see how best to take this forward in order to restore public confidence in the democratic system.

Electoral Fraud

Debate between Lord Young of Cookham and Lord Hayward

Thursday 26th January 2017 Lords Chamber

[Lord Young of Cookham]

The Electoral Commission has identified 18 areas where there is a higher risk of electoral fraud, and Sir Eric has recommended that there should be a pilot in 2018 whereby ID must be produced to reduce incidents of impersonation. The Government are currently consulting on which local authority areas should take part in those pilots in 2018, and of course some of those local authorities at risk will be invited to participate.

[Lord Hayward (Con)]

My Lords, I note the answer that my noble friend just gave in relation to the 18 areas. When going out and considering the pilot areas that might be involved, could he strongly encourage those local authorities to participate? There may be reticence in some cases, but the Government and the Electoral Commission have identified them as problem areas and they really ought to participate in those test projects in 2018.

[Lord Young of Cookham]

My noble friend has great expertise in this area and I listen carefully to what he says. It would be in the interest of those local authorities that have been identified as being at risk by the Electoral Commission to take part in the pilots that I have just referred to, to remove any doubts about the election results in those areas.