This House of Lords Library briefing provides information on the Creditworthiness Assessment Bill [HL] 2017-19, a private member's bill introduced by Lord Bird (Crossbench), ahead of its second reading in the House of Lords on 24 November 2017.
Creditworthiness Assessment Bill [HL] (226KB PDF)
The Bill would provide that rental payment history and council tax payment history were taken into account when assessing an individual’s creditworthiness, not least when they are seeking access to a mortgage to buy a home, for example.
Creditworthiness Assessment Bill [HL] (226KB PDF)
Concerns have been raised about levels of welfare spending in the UK and increasing numbers of young people not in education, employment or training. This briefing sets out statistics, government policy and commentary on welfare and youth employment. This includes the government’s youth guarantee, its ‘Get Britain working’ policies and the interim report by Alan Milburn on young people and work.
Rural areas contribute a significant proportion of England’s economic output. The government has announced several policies intended to support growth in the rural economy, including farming. However, it has faced criticism for the delay in outlining its overall strategy for the agricultural sector. This briefing provides data on the rural economy and summarises government policy and stakeholder reaction
The Financial Services and Markets Bill [HL] is a government bill that would make reforms to several areas of financial regulation, including reforms to the Financial Ombudsman Service, abolishing the Payment Systems Regulator, introducing a ‘provisional licences’ authorisation scheme, and making reforms to the UK’s bank ring-fencing regime. Its second reading in the House of Lords is scheduled to take place on 8 June 2026.
![Financial Services and Markets Bill [HL]: HL Bill 5 of 2026–27](https://lordslibrary-parliament.studio24.dev/content/uploads/sites/2/2026/06/tadas-petrokas-G7nWQwb6AP4-unsplash-568x320.jpg)