Derrick Goh
Singapore
“Are there plans to tighten regulations on the sale and use of non-compliant or non-original AMD batteries, which are key contributors to the risk? How can enforcement and inspection measures at retail points and online marketplaces be strengthened to deter the sale of unsafe devices and components?”
“Mr Speaker, the question to the Minister to State would be in two parts. The first question is, although the numbers may not be significant, would the Minister of State clarify if, in dollar terms, the Bill would have a significant impact and therefore, reduction to the current scams amount that happens every year?”
“Mr Speaker, Sir, my question to the Minister of State is on his point relating to the considerations of stronger regulations by MAS. Would those considerations include requiring BNPL players to report to the Credit Bureau for data so that all players, including banks and financial institutions, could use those data?”
“Mr Deputy Speaker, I welcome Minister's Statement on blocking the proposed deal and the Government's emphasis that at the heart of this decision is about NTUC Income being able to serve its social mission.”
“Thirdly, whether we can build a more comprehensive support ecosystem for SMEs, such as by (a) synergising the roles of SME Centres and TACs with the enhanced Partnerships for Capability Transformation Scheme for SMEs to connect more easily to learn digital and green strategies; (b) deepening collaborations with Institutes of Higher Learni…”
“Two, how can MHA be even more proactive in leveraging trends and insights for smarter deployment of anti-scam resources, to pre-empt and mitigate exploitative scam types?”
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“Are there plans to tighten regulations on the sale and use of non-compliant or non-original AMD batteries, which are key contributors to the risk? How can enforcement and inspection measures at retail points and online marketplaces be strengthened to deter the sale of unsafe devices and components? Fire prevention begins with awareness and action. We must continue to educate and regulate effectively to keep our homes and communities safe. Safeguards for Mental Healthcare Workers”
“Considering the substantial financial losses incurred, what is MHA's assessment of our effectiveness in recovering scam proceeds and how can efforts be further improved? Third, as scammers exploit advanced technologies such as AI to deploy more convincing fraudulent schemes, what new approaches or legislative frameworks will be introduced to counter these developments? How can our existing technological tools, like the Scam Analytics and Tactical Intervention System, be improved to disrupt emerging scam enablers, including fraudulent mobile numbers and payment channels? Lastly, how may public education efforts be more targeted to focus on high-loss scam types? Preventing Fires for Active Mobility Devices Chairman, fire safety is critical to safeguarding lives and property. While the overall number of fires rose by 2% to almost 2,000 cases in 2024, a worrying trend is the 22% increase in fires involving active mobility devices (AMDs). These statistics highlight the growing risks associated with AMDs, particularly as they become more prevalent in our daily lives. Over the course of 2024, I assisted several of my residents in Nee Soon Link who suffered injuries and whose flat suffered damages due to fires. I commend the efforts of the Singapore Civil Defence Force and the Land Transport Authority in assisting these areas. The refreshed campaign underscores the importance of raising awareness about safe charging practices and the proper use of batteries. However, given the rising number of AMD fires, I feel more can be done to mitigate these risks. Therefore, my questions are: how can MHA further enhance public education efforts to ensure these safety messages reach more users effectively?”
“Sir, Singapore is renowned for its physical safety and security. But as our society becomes increasingly digital, the challenge of scams grows ever more complex. In 2024, we have made considerable progress against this stress. The operationalisation of the Online Criminal Harms Act has disrupted over 45,000 online criminal activities, while the roll-out of enhanced anti-malware features on banking apps have contributed to 85% reduction in malware -enabled scams. Targeted enforcement efforts led by the Anti-Scam Command have led to the freezing of over 21,000 bank accounts and the recovery of more than $180 million in scam proceeds, along with campaigns like "Add, Check, Tell" which were started to empower Singaporeans to recognise and report scams. Yet, despite these strides, scam cases increased by more than 10% to around 50,000 and overall losses surged by a staggering 70% to more than $1.1 billion as compared to 2023. 7.30 pm A particularly disturbing trend is the rise in scams involving "self-effected" transfers, which now account for over 80% of all scam reports. This underscores the adaptive nature of scammers, who not only exploit human vulnerabilities, such as desperation during job hunts or emotional appeals in fraudulent investments, but are also leveraging technologies like AI and deepfakes to further their illicit activities. As scammers evolve, so too must our strategies. I seek clarity on several points. First, while significant measures have been implemented, including restricting movement of potential victims' monies with the recently passed Protection from Scams Bill, what additional proactive steps can be taken to stem the scourge of scams? Are there plans to strengthen interagency and inter-sector collaborations to pre-empt emerging scam tactics?”
“This highlights the critical need for robust resolution mechanisms. The passage of the Community Disputes Resolution (Amendment) Bill that has now come into law will strengthen mediation and community engagement efforts. I look forward to its early pilot and hope we can scale the measures island wide faster so more residents and neighbours, including those at Nee Soon, can benefit sooner. Building a safer and more cohesive Singapore is a shared responsibility and I look forward to speaking more on these at the COS debates. Madam, I will now conclude. Amid turbulence, Forward SG charts our path ahead, ensuring that every Singaporean has a meaningful stake in our future. As we mark SG60, Budget 2025 is a reminder of how far we have come as a nation, built on the collective determination of our people. As it is said, we cannot direct the wind, but we can adjust our sails. We can confront challenges ahead with confidence, knowing that Singapore has always found resilience in uncertainty and strength in unity. Let us remain steadfast and bold in shaping a brighter and more inclusive future. Let us move Onward Together for a Better Tomorrow!”
“Learning from the experience of Hong Kong and Shenzhen, the Johor-Singapore Special Economic Zone should complement Singapore's strengths, so that it is a win-win situation for both countries. Madam, Forward SG is about strengthening our social compact and also ensuring that all Singaporeans feel secure and are cohesive. Today, threats such as scams, drug abuse, fire hazards and radicalisation pose growing risks to our communities. While our nation remains one of the safest in the world, recent trends highlight areas where more measures are necessary. Scam cases rose by over 10% to nearly 50,000 in 2024, while losses surged by 70% to more than $1.1 billion, despite stronger enforcement and technological safeguards. Particularly troubling is that over 80% of scam cases now involve "self-effected" transfers, highlighting how criminals exploit human psychology and AI-driven deception. Similarly, the increasing prevalence of youths’ engagement with harmful substances necessitate stronger mitigating strategies. In 2024, there were 126 new drug abusers under the age of 20 arrested, which is 30% more than 2023. This is despite enhanced measures by our agencies. This trend is compounded by the emergence of harmful vapourisers which contain drugs. As youths are the future of Singapore. I urge the Government to step up inter-agency collaborations, such as among the Central Narcotics Bureau, Health Sciences Agency and schools to guide our youths towards healthier paths. Regarding community cohesion, neighbourhood disputes continue to be high, with monthly noise-related feedback at over 2,100, and this number remains more than five times that in 2019. It is deeply concerning that some of these neighbour disputes have escalated into violence, with a few having serious outcomes.”
“Against this shifting backdrop, can Government clarify its stance on our green transition; whether there will be a recalibration to our earlier planned pace and trajectory so that SMEs can manage the associated costs better and be incentivised to progressed on their decarbonisation journey? I will at COS, seek additional support for business to do so and clarifications if revenues collected from carbon tax will be reinvested to assist SMEs in adopting decarbonisation practices. In strengthening financial markets, I strongly support the Government’s moves to revitalise the Singapore Exchange (SGX) to further enhance our status as an international financial centre. The recent Monetary Authority of Singapore announcement of the $5 billion Equity Market Development Programme is a welcomed move. However, I strongly advocate the adoption of an ecosystem approach in this endeavour. This could include: one, plugging in specific high-growth sectors that the Government is already supporting, like pharmaceuticals, biotechnology and precision engineering; two, encouraging Singapore-based flagship companies, or companies owned by Singaporeans or new Singaporeans who are on the Forbes list, to list or dual-list on SGX; and three, urging family offices and high-net-worth individuals to list or dual list their businesses. Singapore must also stay flexible to seize emerging opportunities amid volatility. The Johor-Singapore Special Economic Zone exemplifies this strategic flexibility, aiming to enhance economic resilience and deepen bilateral relationships. However, we must ensure this collaboration does not compromise Singapore's competitiveness.”
“SMEs remain the backbone of our economy, contributing nearly half of GDP and employing 70% of our workforce. Beyond financial incentives, it is essential that SMEs are uplifted with the know-how in the advent of AI and have a clearer commitment and path towards sustainability. Workers, too, need to adapt as the world rapidly transforms. While Singapore has made strides in digital adoption, many SMEs still face resource constraints and expertise gaps. On this note, can the Prime Minister provide assurance on stronger safety nets to support SMEs and workers who face challenges in keeping pace with technological advancements? Aligned with Forward SG’s plans, how may we better ease such anxieties and increase effectiveness in upskilling? At the upcoming COS debate, I plan to seek clarifications if more support will be provided to SMEs to accelerate AI adoption, develop customised AI solutions and facilitate collaborations with research institutions to pilot new innovations. On sustainability, while Singapore is committed to achieving net-zero emissions by 2050, we must balance this with shifting economic and political realities. Significant changes in global trends, including the US’ withdrawal from the Paris Climate Agreement and major banks pulling out of the Net-Zero Banking Alliance, highlight the complexities of decarbonisation commitments. While I agree with the Government’s directions to play our part to decarbonise, global developments are confusing. With Singapore’s carbon tax slated to increase from $25 currently, to up to S$80 by 2030, this will also increase business costs. Businesses will wonder if these costs will eventually pay off, in the face of mixed signals on the world’s fight against climate change.”
“To me, the more important question is how we will use these surpluses to further enhance our infrastructure and capabilities for Singapore to be an even more vibrant financial centre, compelling tourist destination and flourishing metropolis. Beyond Terminal 5, there are many, many exciting plans shared previously that can be accelerated, such as redeveloping Paya Lebar and the Jurong Innovation district, revitalising Clarke Quay and boosting our arts scene to achieve what London is to Europe. I look forward to the Prime Minister’s sharing of his insights on these aspects and would like to ask if there will be enhancements to Forward SG’s plans, given a global landscape that is now more complex than when it was first launched, and what is the Government’s thinking to realise those plans faster. On the topic of projections, the Net Investment Returns Contribution (NIRC) is projected to rise from $24 billion in 2024 to $27.1 billion in 2025, an increase that is higher than the prior year. Given prevailing global uncertainties that may slow long-term returns, and the already modest GDP projections for 2025, can the Prime Minister share his insights about MOF’s assumptions on why this is so? Also, if indeed surpluses are expected to continue, are there opportunities to recalibrate the pace and amount of taxation to allow markets to be more efficient, and to ease rent and labour cost pressures while still upholding fiscal prudence? I now turn to growing Singapore’s economy. Madam, an open and vibrant economy underpins our ability to deliver on the Forward SG agenda. It enables job creation, social mobility and sustained prosperity. Hence, I am glad that Budget 2025 has introduced several initiatives to support businesses and enhance our financial markets.”
“Recognising cost of living concerns faced by Singaporeans, I welcome the additional measures to provide relief, such as the enhanced CDC Vouchers, as part of the Assurance Package that continues to make our GST scheme a progressive one when viewed holistically. Taken together with the SG60 package, this is akin to a “Singapore Dividend”, where every citizen shares in our nation’s success, with those who need more help receiving greater support. In FY2024, Singapore reported a Budget surplus of $6.4 billion. This was primarily attributed to an unexpected surge in corporate income tax collections, while Budget 2025 expects a surplus of $6.8 billion, driven by higher expected operating revenues, with corporate income tax as the greatest driver at $32.7 billion, or an increase of 5.8% from FY2024. Madam, with significant investments required for healthcare for an ageing society and infrastructure development, we must not be complacent and cannot rely on cyclical windfalls. A basic financial planning concept is that in the long run, certain expenditures must be matched with equally certain revenue streams. Hong Kong’s challenges in balancing its budget is due to its narrow tax base and reliance on tax collection from its cyclical real estate sector. To criticise the GST increase because of recent fiscal surpluses misses this fundamental point and takes only a limited view of the overall GST scheme. As a finance professional, the fiscal surplus, whether expected or unexpected, speaks to a prudent and conservative approach, which I believe all sensible financial experts, with a heavy responsibility of a stewardship role, would adopt. It is the basic value system of not spending more than one has.”
“Mdm Deputy Speaker, before I start, I would like to declare that I am the Head of Group Internal Audit at DBS Bank. Mdm Deputy Speaker, Budget 2025 is a critical opportunity for Singapore to chart our course ahead amid an increasingly complex environment. It is the second Budget advancing Forward Singapore to renew our social compact for a stronger and more united society, with Prime Minister Lawrence Wong at the helm. By reaffirming Singapore’s resilience and unity as we celebrate SG60, Budget 2025 has outlined key strategies to uplift livelihoods, strengthen our economy and reinforce our social fabric. As Singapore sails ahead in increasingly choppy waters, it is imperative that we remain resilient in uncertainty and find strength in unity. To this end, I wish to highlight three key themes related to Budget 2025: first, upholding fiscal prudence in a volatile world; second, growing Singapore’s economy; and third, doubling down on social resilience and safety. Madam, a key principle of Forward Singapore is about upholding fiscal prudence and responsibility. A recent OECD report commended Singapore’s robust fiscal framework, which has given us the strength to navigate uncertainties more effectively than other nations. Especially for a small country like Singapore, the Ukraine situation is a stark reminder that we can only count on our own people and financial resources in times of crisis. This principle is now set against the backdrop of an external environment fraught with risks, intensified geopolitical rivalry and evolving trade wars. Slower growth is expected in 2025 of between 1% and 3%, reflecting global headwinds and trade uncertainties.”
“Mr Speaker, the question to the Minister to State would be in two parts. The first question is, although the numbers may not be significant, would the Minister of State clarify if, in dollar terms, the Bill would have a significant impact and therefore, reduction to the current scams amount that happens every year? The second question would be, if this takes place, in terms of this policy and if it is effective, would the Minister of State be thinking that this may be extended to other platforms, such as crypto companies and institutions of that sort, beyond banks?”
“Given our population density and recent trends of more residents working or studying from home, increased neighbourly friction seems inevitable. Indeed, during the pandemic, public feedback on noise climbed and remains unabated. On average, from the pandemic till now, cases every year is more than five times that of 2019. Having consistently advocated for enhancements to the CDMF over the last four Budgets and COS debates, I welcome these new measures that provide faster and more effective relief for residents. An updated CDMF is essential in resolving conflicts peacefully by addressing the root causes of disputes. I am glad that the Government has intervened to clearly propose enhanced measures to the existing laws for resolving community disputes. Ultimately, these laws are not panacea and our communities should also fulfil their own obligations and responsibilities. We should open our hearts, foster mutual understanding and come together as good neighbours to resolve dispute. It is through greater mutual respect and empathy, building harmony and diversity that we maintain the spirit of unity. (In English): Mdm Deputy Speaker, notwithstanding these clarifications, I support this Bill.”
“This should ideally extend beyond the CDRT's mandatory treatment orders and HDB's limited set of actions that may have limited effectiveness in tackling the issues. Specific to the pilot, can the Minister clarify the pilot's success metrics, as well as avenues for residents to provide feedback on the CRU's interventions? And if there are earlier signs of success, can scaling of CRU to other townships be accelerated even before the one-year timeframe? And if so, can more communities and residents benefit from this initiative? If there is indeed a second team to be trialed, can the pilot cover selected high severity cases island-wide, rather than a single township, to broaden the pilot's learnings? Mdm Speaker, in conclusion, this Bill represents a significant advancement to facilitate quicker and more effective dispute resolution in the community. It is in good implementation, where measures including CDRT orders are made to be holistic in addressing the root causes; and with continuous monitoring of their effectiveness – that our community will experience the benefits of this Bill. In the end, these enhancements should strengthen, and not replace the ability of communities to come together to resolve differences as good neighbours. In my opinion, the true success of this Bill lies not much as in the expanded powers of our agencies; but collectively and fundamentally, in the "kampung" spirit of mutual respect and empathy that has come to define Singapore over the years. In this way, we can forge harmony amidst diversity. In Mandarin, please. (In Mandarin): [Please refer to Vernacular Speech.] Harmony within our community is fundamental to Singapore's vibrant and tight-knit social fabric.”
“Next, on the introduction of the CRU pilot to address severe neighbour noise and hoarding cases, as proposed in clause 14 of the Bill, I note the plans to do a one-year pilot in a town. For this pilot, the CRU has been well calibrated with powers that includes safeguards to proactively tackle complex and recalcitrant cases. That said, there is a need to enhance the effectiveness of CRU and other agencies to address the root causes of persistent anti-social behaviour. From my experience in the community, underlying reasons could range from mental health issues to religious or superstitious beliefs, or longstanding habits and other socio-economic vulnerabilities. For example, there has been a case of a persistent bird feeder at the new BTO flats at Nee Soon Link, which has resulted in much complaints across the neighbourhood, which has also been covered by the media. In this regard, can the Minister elaborate on how CROs will be adequately equipped to assist in such severe cases, like in the case of the bird feeder, where the authorities and our community appear to be at a loss of what to do next? Can engagements by the CROs be supplemented, for example, with the expertise of psychologists for earlier and more accurate diagnosis of such behavioural root causes so that appropriate actions can be taken to swiftly prevent repeat offending? For residents who may require more holistic support beyond psychological issues, such as social, financial or housing aid; can the Minister share if and how CRU will collaborate with other agencies and even religious organisations to avail more comprehensive help, and to monitor their follow-through?”
“Additionally, can Minister share in greater detail the criteria for issuing a Mediation Direction that recognises the need for timely intervention, yet allowing sufficient autonomy for parties to resolve disputes organically and acknowledging the unique circumstances and thresholds for each case? Striking this delicate balance will help preserve neighbourly relations and also avoid overloading CMC. Where mediation proceeds, so as to improve the weight of outcomes, reduce wastage of resources, as well as to reduce administrative load on parties and agencies; can authorities consider for mediation settlement agreements to be automatically lodged as CDRT orders, instead of by consent, as Minister had suggested earlier, for enhanced enforceability at onset? Can Minister also clarify the mechanisms in place to prevent the abuse of taxpayer-funded CMC services? If parties who offend or are unable to exercise basic tolerance, can they be made to defray more mediation costs on top of the existing $5 administrative fee? I share Minister's position that CMCs should not be relied on as the first port of call and in fact rely on the community as the first and primary place to resolve neighbourly disputes. So, in encouraging a resolution by parties themselves, will Minister employ further strategies to increase residents' onus and awareness of self-resolution approaches? And in recognising that grassroot leaders are often one of the first places to engage in such disputes, can Minister also elaborate on plans to further equip our community, as well as grassroot leaders for them to help ease conflicts at the early stage with proper support and advice?”
“Mdm Deputy Speaker, harmony within our community is fundamental to Singapore's vibrant and tight-knit social fabric. Given our population density and recent trends of more residents working or studying from home, increased neighbourly friction seems inevitable. Indeed, public feedback on noise climbed during the pandemic and remains unabated – the first half of 2024 saw an average of more than 2,100 monthly cases, more than five times that of 2019; and it is high. Given this, an updated and strengthened CDMF is essential. Having consistently advocated for enhancements to the CDMF over the last four Budget and Committee of Supply debates, I welcome these updated and strengthened measures that provides for faster and more effective relief for residents. For intended outcomes to be better achieved, I seek clarifications on several areas of this Bill, especially in the area of execution, as good policy requires good execution for the benefits of this Bill to be effective on the ground. I note the new measures in this Bill appears to be based on past learnings that CMC mediation has been effective, where about 80% of voluntary mediation cases at CMC have been successful. But only a small proportion of about 30% of registered cases proceed to mediation due to a majority of residents refusing to do so. Given the expected rise in caseload, may I first seek Minister's clarification on plans to increase the CMC's capacity, so that we can improve both accessibility and quality of services at the CMC and satellite centres? In other words, apart from ensuring reasonable wait-time, such as mediation services can scale, the high success rate of 80%, could it be maintained or even improved?”
“Mr Speaker, Sir, my question to the Minister of State is on his point relating to the considerations of stronger regulations by MAS. Would those considerations include requiring BNPL players to report to the Credit Bureau for data so that all players, including banks and financial institutions, could use those data? The second question would be, given the downtrend of the United States Federal Reserve rates and forecasted interest rates coming down, does the Minister of State see improvements in the bankruptcy orders, which he states as being stable? Over time, would he see those improvements? And for segments that he says are stable, are there any sub-segments that are of concern that he notes in his analysis, whether it relates to businesses or individuals?”
“Mr Deputy Speaker, I welcome Minister's Statement on blocking the proposed deal and the Government's emphasis that at the heart of this decision is about NTUC Income being able to serve its social mission. As such, can I ask Minister to clarify upon reflection if NTUC Income should have been allowed to be a corporate and be given an exemption from compliance with section 88 of the Co-operative Societies Act? And if so, will MCCY consider further mechanisms to be built in since subsequent corporate exercises could alter or weaken this social objective?”
“This risk is expected as with any global financial centre, so the key question is: how can we enhance vigilance across the board, by promoting information sharing, pooling and access to risk insights by both agencies and the private sector. Given the above, may I seek the Minister's view on (a) how may STRO further enhance the collection, pooling and delivery of insights to both the private and public sectors, to boost the effectiveness of entities' CDD, as the first lines of defence; and relatedly, secondly, whether information from agencies, such as IRAS and Customs, can be integrated with COSMIC that was launched in April 2024 this year, in the longer term, for more automated and secure sharing of intelligence across the entire financial ecosystem? Lastly, I spoke to and I note the amendments related to dealing with seized properties linked to suspects who have absconded, which introduce safeguards to prevent a premature release when investigations are ongoing to trace the absconder. On this, can the Minister clarify the prevalence of previous cases where an absconder had wilfully stalled investigations by staying overseas, and yet, successfully made a claim to seized properties? Was this observed with absconders in the $3 billion money laundering case, which continues to be of public interest? So, in conclusion, Sir, together with the final key amendment on tightening the CDD thresholds for casinos, this Bill will further align our defences against AML/CFT with international best practices and represent progress in safeguarding Singapore's financial integrity. Notwithstanding the clarifications, I support this Bill.”
“First, looking back, can the Minister share the value and number of money laundering cases from environmental crimes that could have been pursued in the past five years had this legislation been in place; and, secondly, clarify if there will, indeed, be retrospective application of this law? Looking ahead, we may have limited visibility on how these overseas offences evolve. Other than relying on FATF, can the Minister clarify plans to be more proactive in ensuring the Third Schedule continues to be comprehensive and relevant? Next, I move to the enablement of cross-agency data sharing to enhance financial intelligence. This is pursuant to clauses 18 to 21, which allow IRAS and Singapore Customs to share tax and trade information respectively with STRO to facilitate more holistic sense-making. Agencies like CEA and ACRA will also have more access to information. I previously spoke in support of the Monetary Authority of Singapore's (MAS') Project COSMIC, or Collaborative Sharing of Money Laundering/Terrorism Financing Information and Cases, and I shared about the parable of the blind men and the elephant, and it is only by collecting information and thereafter pooling them all together, can a more accurate picture and understanding of money laundering risks emerge. I, therefore, welcome the amendment not only because it directly addresses a gap highlighted in Singapore's 2016 FATF evaluation, but more substantially, because it furthers an ecosystem approach to counter AML/CFT. What is clear from the $3 billion and the other money laundering cases is that, criminals leverage multiple and intertwined points of entry into Singapore's financial ecosystem, be it by asset purchases, shell companies, illegal trade, bank deposits or others.”
“Given that LEAs' efforts on illicit funds tracing would be instrumental in determining their rightful ownership and facilitating their proper seizure for restitution, consistent with one of the four pillars in our National Asset Recovery Strategy, may I seek the Minister's clarification whether the amendment will impact the likelihood of asset recovery for Singaporean victims? Will these victims have any recourse for cases where investigations reveal an ownership connection but where details of fund flows are unavailable or are no longer required to be pursued for prosecution? In addition, as it is challenging to obtain information from foreign agencies and entities, international partnerships remain a crucial lever to combat financial crimes. This will facilitate the greater visibility and timelier confiscation of illicit overseas assets for investigation and restitution to Singapore victims as well as to detain fugitives on the run. On the $3-billion-dollar money laundering case that the Minister had mentioned, the 17 remaining absconders come to mind. Given that Singapore was the FATF president for two years until June 2024, can the Minister also share further plans to boost international cooperation for more robust investigations and asset recovery? I now turn to clauses 4 and 13 of the Bill, which would empower our LEAs to act upon the criminal proceeds resulting from foreign environmental crimes, which will be listed in the Third Schedule of CDSA. These proceeds may inevitably flow through Singapore as we are a global financial centre. In addition to closing the legislative gap highlighted by FATF, this move also signals Singapore's commitment to environmental sustainability on the global stage. On this, I have the following clarifications.”
“Sir, safeguarding Singapore's financial integrity is paramount to upholding our reputation as a flourishing global financial hub. A robust legal framework for AML/CFT is critical in this endeavour. This Bill consists of proposals across prosecution, foreign environmental crimes, cross-agency data sharing and others. Taken together with past amendments fronted by MHA, the Ministry of National Development and Ministry of Law (MinLaw), as well as the recently published National Asset Recovery Strategy and updated Money Laundering National Risk Assessment, it underscores an unwavering whole-of-Government emphasis on strengthening our AML/CFT regime amid a dynamic financial crime landscape. On this basis, I support the Bill but would seek some clarifications. I will begin with the enhanced levers for prosecution of money laundering cases. As is, Law Enforcement Agencies (LEAs) are required to show the complete trail of monies from point of crime to deposit in the suspect's account. Recognising the challenges, especially when crimes originate or when monies are dissipated through accounts overseas, clause 11 of the Bill makes it sufficient for prosecution if the money launderer should reasonably know or believe he possessed criminal proceeds, with no need to prove the complete trail of funds. This is sensible. A lower bar for prosecution will further deter money mule activities in Singapore while at the same time avail our LEAs with greater capacity to focus on efforts with more systemic outcomes like crippling syndicates with our international partners. That said, while the public cheers every successful anti-crime operation by our LEAs, what is foremost on their minds, particularly victims of scams, is how to get their money back.”
“Thirdly, whether we can build a more comprehensive support ecosystem for SMEs, such as by (a) synergising the roles of SME Centres and TACs with the enhanced Partnerships for Capability Transformation Scheme for SMEs to connect more easily to learn digital and green strategies; (b) deepening collaborations with Institutes of Higher Learning for training; and (c) leveraging clan associations with wide business connections for advocacy. Supporting AI Transformation”
“On this note, what is MTI's assessment of the progress and effectiveness of existing grants and initiatives, such as the Enterprise Sustainability Programme and how may they be enhanced to help our SMEs be more ESG-savvy? While opportunities in the digital and green economy are aplenty, we know that transformation is not easy and more funding on its own is not sufficient. What matters more fundamentally, is for SMEs to shift their mindsets and be willing to accelerate their efforts. For those who are, they should be provided with ready-access to expertise. This is where SME Centres and TACs, as critical nexus for engagement and advisory, can play a more proactive role to nudge and help SMEs digitalise and go green. In my engagement with the industry, a feedback suggested by SMEs was for such Centres to go beyond the marketing of grant options and providing generic guidance; and offer more in terms of business development advice and more customised expertise and guidance. As such, can MTI share on three areas. One, whether there are plans to boost the effectiveness of SME Centres by enhancing its advisory capabilities and sharpening its own key performance indicators (KPIs) from Level 1 or baseline targets, such as number of SME visits, to be more aligned with the outcomes, such as SME productivity and customer growth of the portfolio of SMEs they cover? Two, whether TACs can be guided to deepen understanding of their own members' profile to provide more targeted facilitation and support as well as more effective cross-learning between its members?”
“Sir, digitalisation remains an imperative for our SMEs in a rapidly evolving technology space, to thrive and capture opportunities in the new economy. The year 2023 saw the breakthrough of AI and its use cases in the real world. But as is always said, AI will not replace humans but the person using AI will. In essence, SMEs who will succeed better are those that can adapt and transform quicker, by viewing digitalisation and AI as a friend instead of a foe. As a practitioner using various forms of AI, including GenAI, in my work to sharpen effectiveness and productivity in risk management and auditing, I can understand why SMEs may face and see AI as intimidating. There is a need to help SMEs dispel a "fear of the unknown" and the notion that AI is reserved only for MNEs. In this regard, can MTI share its plans to help SMEs further accelerate their digitalisation so that more local businesses can harness AI to transform and increase productivity? On sustainability, I am glad that Budget 2024 has covered key aspects of going green as a competitive advantage, because MNEs have started on their sustainability journey earlier and would expect the same for our own SME suppliers. I am also glad to learn that SMEs in more sectors will benefit from green loans and the Energy Efficiency Grant, which I had asked for at last year's Committee of Supply debate and Government support to be more inclusive. Yet, while advancing in the green journey is essential and more Government funding is available, a DBS study in 2023 found that only 37% of SMEs had a clear roadmap on how to achieve their sustainability goals. Many cite having to navigate complex reporting standards as a hurdle.”
“Sir, the community cohesion is core to Singapore's social resilience. Notably, the number of neighbour disputes over noise remains high – at over 2,000 per month last year, five times pre-COVID-19 levels. This means that for every month that passes, 4,000 households are unhappy with each other. The recent fatal case at Bukit Batok was reportedly due to a long-term neighbour dispute over noise. This affirms how neighbour disputes must be managed early and effectively to avoid potentially severe consequences. A good outcome is that cases mediated by the Community Mediation Centre (CMC) continues to see a high-resolution rate at 80%. But unfortunately, mediation remains voluntary and depends on the parties' willingness to attend such meetings. Moreover, non-compliance with mediation agreements are still not effectively enforced. Singapore's community dispute resolution mechanisms, hence, need to be urgently enhanced to increase its effectiveness in dealing with the increasing number of neighbour disputes that remain unresolved. At last year's Committee of Supply, MinLaw committed to enhancing the community dispute management framework by: one, creating a special unit to deal with the more serious noise disputes; and two, making mediation mandatory, with penalties for non-attendance and non-compliance to orders. I understand the initiative is still in progress. Can Minister clarify the key steps taken so far and further measures to be taken, including legislation to be set in place to improve the effectiveness of community dispute management? Can Minister also clarify the expected duration for the new unit to be operationalised, so that residents can seek effective relief? Resolving Community Disputes”
“Sir, access to justice is a cornerstone of a just society. Over the years, this Government has demonstrated commitment to improve legal access for the vulnerable. A milestone achieved was MinLaw's introduction of the Public Defender's Office (PDO) in December 2022 – as a fully funded scheme offering vulnerable residents legal assistance. I understand that since its founding till September last year, the PDO had helped around 303 cases in Court. During the same time, applications to the Criminal Legal Aid Scheme (CLAS), have fallen significantly. This suggests that the PDO is playing an increasing role within our legal framework. In this regard, can Minister provide an update on whether the PDO has met all its KPIs set out during its formation; and the challenges faced so far; as well as plans for further enhancements, along with the following three questions? One, whether the actual application rates are as expected and if the means test criteria are assessed to be appropriately set? In respect of the means test, were any exceptions granted? Second, given the complexity of each case that often includes non-legal aspects, whether the caseload per staff is manageable and if improvements are needed for closer partnerships with other agencies to address root causes of these vulnerable cases better? And third, whether there have been successful cases of vulnerable applicants and their families receiving more holistic help in both the legal and non-legal areas?”
“Two, how can MHA be even more proactive in leveraging trends and insights for smarter deployment of anti-scam resources, to pre-empt and mitigate exploitative scam types? For example, the expectation of concert ticket scams related to a foreseeably high-demand performance; or job scams related to popular job categories or activities that seem to earn easy money. Three, what are new plans and strategies MHA will adopt to further equip the SPF and related agencies to deal with scams perpetrated by new technologies, such as AI?”
“Mdm Chair, Singapore is well-known for its physical safety and security. We should uphold this reputation in the digital sphere too – so our residents and businesses can truly thrive within. MHA has made significant strides in fighting scams. From the Anti-Scam Command to the ScamShield app and new legislation, such as the Online Criminal Harms Act, they reflect MHA's commitment to enhancing its capabilities against scams. Thanks to such efforts, scam losses stayed flat at $650 million last year. However, the amount remains significant and of worry is the steep increase of cases by 46% to 46,000. I previously emphasised the importance of having a concerted "all-hands-on-deck" approach by every stakeholder in the digital ecosystem, which has been crucial in preventing worser outcomes. I commend the combined efforts of MHA, the Monetary Authority of Singapore, banks and telecom companies in reducing phishing scams and swiftly reduced malware scams. Nevertheless, scams that account for the majority of cases and biggest losses are those that exploit victims' emotions and psychology, for them to authorise and willingly part with their money. These include jobs, e-commerce and fake friend scams. While public vigilance is key to deal with the scourge of scams, our agencies must be more proactive too in monitoring and analysis – to be even more agile and responsive towards new exploitative scam typologies together with partners. I have three questions against this backdrop. One, given the success of the Anti-Scam Command in working with banks to stem the flow of monies from phishing scams, will MHA consider establishing similar partnerships with platform companies, such as Meta and Carousell, to swiftly disrupt and investigate tainted e-commerce and messaging accounts?”
“Mdm Chairman, Singapore has been steadfast in its zero-tolerance approach towards drugs amid more permissive attitudes globally. Worryingly, CNB reported new drug abusers arrested have increased 18% last year and even more concerning is that more than half of new drug abusers are aged well below 30, with the youngest being 14. The situation is compounded by the continued emergence of new psychoactive substances (NPS) as well as the increasingly rampant use of vaporisers. Notably, the digital space continues to be an avenue for the spread of misinformation and aid transactions to occur swiftly and anonymously, which makes drug detection challenging. I appreciate that an Inter-Ministry Committee on Drug Prevention for Youths was formed in 2023 to set targeted strategies with an ecosystem approach. Against this backdrop, can MHA elaborate on its plans to engage other agencies, schools and parents more effectively to identify at-risk youths for timelier intervention? Can MHA also share in greater detail plans by the Inter-Ministry Committee, the implementation timeline and if they will also address vaporiser use, in addition to drugs and NPS? What are MHA's new plans to disrupt the supply of such substances targeting our youths and to curb online misinformation that wrongly promotes liberal drug use attitudes? Ex-offenders/Yellow Ribbon”
“I understand MOF had announced the Tender Lite procurement category in last year’s Budget to ease the Government tender journey for SMEs. On this note, can MOF: (a) update on the progress and effectiveness of Tender Lite’s implementation; (b) share if there are plans to further ease the administrative burden on SMEs during the Government’s procurement process, such as through further digitisation and automation; (c) consider improving inclusiveness of smaller SMEs and startups so that they can participate in Government procurement, such as by adjusting the requirements to prefer homegrown enterprises or MNCs that partner with them, so that our local businesses can also participate in the supply chain; and (d) share how the Government can improve the disbursement of payments and grants to be timelier and more frictionless to help SMEs ease their cash flow challenges? Green Government Procurement”
“Chairman, one way to support local businesses and SMEs to build up their capabilities and track record is through Government tenders. Industry groups have shared during my engagement with them that SMEs appreciate such opportunities, not just to increase revenues but also the chance to partner larger companies to sharpen their experience and learning. While the Government has taken steps to reduce the administrative burden with new functions in GeBiz, such as an online repository, SMEs continue to feed back that accessibility and efficiency of Government tenders can be improved. In particular, SMEs highlighted how contract specifications may at times be too stringent to fulfil or too rigid to allow room for SMEs to propose more innovative solutions to address requirements. They, therefore, hope contracts can be made more practical and flexible; while bundling and aggregation of contracts are logical, they could exclude smaller SMEs from bidding or compress their margins as they fulfil subcontracts with bigger SMEs as the middlemen; and startups, such as one specialising in AI video analytics which I met at the recent Singapore Airshow, asked whether the financial grading criteria can be eased to provide more opportunities for them to participate as vendors. The reality is that most are asset-light with different risk profiles from traditional companies and they are still in the midst of building up their financial track record. On payments, I note that the Government has fulfilled payments on e-invoices below $5,000 well before the 30-day credit period. However, SMEs wonder if the invoicing and progressive payment process for larger contracts can be further simplified, such as in the verification of work completion and, especially when variation orders are involved.”
“Thanks to good governance and financial strength accumulated from our Reserves and its prudent use along with the diligence of those who came before us. I am glad that Budget 2024 did not succumb to populist and unsustainable initiatives. Budget 2024 is underpinned by fundamentals that is principled, disciplined and pragmatic. While there are challenges ahead, I have no doubt we can surmount them in the uniquely Singapore way, as one united people. Budget 2024 has been a fitting first instalment to realise the Forward SG goals. I support the Budget and I am confident it will enable Singapore and Singaporeans to forge ahead with resilience and optimism, towards a shared future together.”
“Sir, lastly, I will touch on enhancing our social resilience and empathy. Youths form a crucial part of our society and are the Singapore's future. The trend of drug abuse by youths is therefore worrying, as the Central Narcotics Bureau (CNB) reported more than half of new abusers arrested last year were below the age of 30. More concerning is that this trend extends from previous years, amid a backdrop of more permissive attitudes towards cannabis globally, as well as the continued emergence of new psychoactive substances and increasingly rampant use of vaporisers. The formation of an Inter-Ministry Committee on Drug Prevention for Youths in 2023 was a good move. I look forward to its plans to curb this alarming trend. Key to our social fabric, too, is community cohesion. Regrettably, the issue of noise has continued to cause friction in our neighbourhoods, with monthly complaints in the last year averaging over 2,000 cases, more than five times higher than pre-pandemic levels. I spoke on this issue at prior debates and understand work is still ongoing to establish a new unit dedicated to tackle protracted noise disputes and to enhance the current regime where mediation is voluntary. While I look forward to an update on its progress and measures, I urge for all Singaporeans, aided by our agencies, to exercise restraint and empathy so that we can continue building cohesive and resilient communities. Sir, I will now conclude. Singapore, like other countries, faces similar pressures like cost of living, on top of more unique challenges as a small island-state dependent on an open economy amid a trying global environment. Yet, we have always been able to navigate obstacles better than others to emerge stronger.”
“As more systems become interconnected and interdependent, especially those in Government agencies that we rely on daily, greater IT-related and cybersecurity risks could have systemic impacts across our society and economy. We will need to continue doubling down on multistakeholder efforts to bridge the digital divide as well as to manage the risks in this journey. The Public Accounts Committee, which I am a member of, has also highlighted these key points in its recent report. I hope more will be done in this area to frame future actions and public expectations. With digitalisation, scams have increased and surged. From the Anti-Scam Command to the ScamShield app and the Online Criminal Harms Act, the Ministry of Home Affairs (MHA) has been relentless in its fight against the scourge of scams. This has helped to keep losses flat at $650 million last year. Nonetheless, the amount is still significant, and cases have soared by 46% to an unprecedented 46,000 cases! I had previously emphasised the importance of an "all-hands-on-deck" approach by stakeholders in the ecosystem and would like to recognise the combined efforts of MHA, the Monetary Authority of Singapore (MAS), banks and telcos in reducing phishing scams and swiftly introducing measures to counter malware scams. But that said, scams are most prevalent and increasing in areas, such as jobs, e-commerce and fake friend scams, where they exploit victims' emotions and psychology for them to willingly part with their money. Our agencies must be even more agile and responsive to combat scams with private sector and international partners. As this has been a key issue impacting public safety and trust and which my residents are concerned about, I hope to hear more targeted measures in this area.”
“I will elaborate on this at the Ministry of Trade and Industry's COS debate. Sir, I will now turn to thriving in a digital age. Singapore has made significant strides in our progress towards becoming a Smart Nation. But as the technology space is ever-evolving rapidly, so must our efforts. Sir , I am heartened that Budget 2024 supports our National AI Strategy 2.0, in advocating for Singaporeans to see AI as a friend to increase productivity and enrich lives, instead of a foe that threatens livelihoods. As is always said, AI will not replace humans, but the person using AI will. On the international stage, we are well-positioned to have an outsized influence on the responsible development of AI, amid bigger global powers competing for AI leadership. These are opportunities that Singapore must capture to stay relevant. Yet, while we pursue opportunities in AI and other frontier technologies on one end, we must have the right foundations in place, manage risks well and leave no one behind on the other. As it is said, the art of progress is to preserve order amid changes and to preserve change amid order. While a myriad of services, such as healthcare, postal and transportation, continue to be refreshed by new technologies, with a "digital-first, but not digital-only approach", it is crucial for the pace of change to be well-ordered, thoughtful and empathetic, especially for our senior residents and vulnerable communities. A digital society must also be reliable and secure for our residents and businesses to truly thrive within. As we mature as a digitalised nation, organisations must step up their service resiliency and recoverability, with more robust contingency and crisis management plans.”
“Those who can do so are better off and thrive in this new digital and green economy. As such, I am glad to learn of the enhanced initiatives, such as allowing SMEs from more sectors to benefit from green loans and the Energy Efficiency Grant. This is consistent with my suggestion at last year's COS debate for Government support to be more inclusive on transformational initiatives. Another key thrust of Budget 2024 is the SkillsFuture Level-Up Programme. This is a decisive push for mid-career workers to upskill and reskill, so that they can contribute in higher-value jobs and more exciting roles, in line with the broader transformational agenda. Crucially, for SkillsFuture to be attractive, a mindset shift is also required by SMEs to see beyond the potential short-term constraints, like time-off given for staff development and, more importantly, to complement the programme by investing in training and job redesign for the longer term. This will be a win-win situation for SMEs and their employees. Yet, while much is touted for SMEs to venture beyond their comfort zones, the fact is that transformation is challenging, especially in a high-cost environment, because the payback is uncertain and, often, not immediate. As such, more funding from the Budget, by itself, is insufficient. As most SMEs lack a dedicated strategy or training department, targeted facilitation is needed to guide them on how to effectively leverage Government support for meaningful transformation, so that they can learn by doing to build up expertise over time. As the key nexus between the Government and SMEs in driving engagement and advisory, there is scope to improve the execution and effectiveness of SME centres and even TACs to support this agenda.”
“Should this continue, can the Deputy Prime Minister assure Singaporeans that other sources of revenue remain robust to support future expenditures and that there will be no further GST hikes in the foreseeable future? The expected top-up of funds is $20.4 billion in FY2024. This follows from $24.3 billion in FY2023. The Deputy Prime Minister had explained last year that a considerable number of these funds were drawdown funds, where spending is certain to fulfil commitments today and on an ongoing basis. Can the Deputy Prime Minister clarify the time horizons for the utilisation of these funds to benefit Singaporeans? As the FY2022 figure was much lower at $6.3 billion, can the Deputy Prime Minister also share if he expects such higher levels of funding and if the run-rate going forward will be at these higher levels? I now turn to focus on accelerating the growth of our local businesses and SMEs, as they are the backbone of Singapore's economy. Some business owners say that they face "cost of survival" pressures, in tandem with the high cost-of-living pressures faced by individuals. I, therefore, welcome the Budget's support measures that bolster near-term resilience, such as the 50% corporate income tax rebate as well as the newly introduced and generous $2,000 cash payout for non-profitable firms with at least one employee under the Enterprise Support Package. Enhancements to the Enterprise Financing Scheme are also noteworthy. Notably, the Budget has avoided more populist moves by going beyond handouts to encourage SMEs to transform for the longer term. Businesses are, by nature, economic entities which transform the use of limited resource to produce goods and services that the market demands.”
“Recognising the longer-term need to fund our future, I supported the GST increase in prior debates but requested more help for residents to cushion against higher inflation. Hence, I am heartened that our Government has continued to follow through on its commitment to support our people with the further enhancement of the Assurance Package. Many residents I engaged over the Lunar New Year celebrations, including those at private condominiums, have expressed appreciation for the support. Sir, we must not take for granted our fiscal and economic strength, which has allowed us the capacity to navigate uncertainties better than other countries. Budget 2024 plans for a long-run GDP target growth of 2% to 3%, given Singapore's mature economy. As last year's growth was low at 1.1%, along with an outlook that remains challenging, can the Deputy Prime Minister share his thoughts on the sources and drivers of the factors supporting this more optimistic long-term growth forecast and how we can better achieve this target? To sustain economic strength, our businesses must be able to seize opportunities as they come. Yet, they repeatedly highlight labour and talent shortages, and this is also echoed by the SBF, that contrasts against the reality of continued low birth rates that are below replacement levels and jobs that are unattractive to our citizens. How may the Forward Singapore ethos apply so that the pursuit of economic growth, which may require more talents and foreign labour, that is not at all costs? While Government revenue in FY2023 was overall better than expected, I note that GST collections were $1 billion lower than estimated due to weaker imports.”
“Mr Speaker, Sir, Budget 2024 is significant. It is the first Budget dedicated towards the goals of Forward Singapore, where Singaporeans collectively shape the next chapters on the way forward for our country. Although the world we live in is more complex and uncertain, I am confident that we can forge ahead with resilience and optimism. To this end, there are four key themes on this year's Budget and plans that I wish to highlight. One, sustaining fiscal and economic strength amid challenges and improving three key trends relating to: (a) accelerating local businesses' growth in the new economy; (b) thriving in a digital age; and (c) enhancing social resilience and empathy. Singapore entered 2024 into a global landscape that is bleaker and more complex than prior years. Geopolitical tensions also remain heightened. The Russian-Ukraine war persists, along with a new crisis in the Middle East. China's economy remains soft, while Japan and the UK just entered into a technical recession with two quarters of declining growth. While some bright spots include the surprising strength of the US economy, the flipside is that the interest rate decline has not yet happened and is expected to be higher for slightly longer. Such realities underscore the need for Singapore to remain united, supported by discipline and foresight in our Government's fiscal policies. I am, therefore, pleased that Budget 2024 is generous and, importantly, holistic. To me, the projected balanced fiscal position signals continued prudence while providing relief for immediate cost-of-living challenges and supporting longer-term capabilities, such as the upskilling of Singaporeans and business transformation.”
“Lastly, I recognise that clause 33 accords immunity to the Chief Justice and the Selection Committee regarding the appointment of members to the Panel of Psychiatrists, introduced in the Criminal Justice Reform Bill that was passed in 2018. May I request the Minister to share the progress of its operationalisation since then, as well as measures to mitigate actual or perceived conflict of interest in appointments made by the Selection Committee? Sir, notwithstanding the clarifications, I am confident that this Bill will serve its purpose to uphold and strengthen the ethos of justice and peace that all of us, as Singaporeans, have come to be proud of. I support this Bill.”
“As it is critical for such powers to be exercised judiciously, based on robust risk assessments, so that decisions fairly balance the continued detention of an offender with the need for public safety, can the Minister clarify the safeguards that will be put in place? One, what criteria would the Minister or Review Board consider in assessing an offender's suitability for release? Two, what are the grounds for the offender's application for the judicial review against the decision of the Detention Review Board? Aligned with this objective to enhance public protection and to provide greater assurance, I note that the amendments do not apply to those who are already serving existing sentences. What can be done to better protect the public in cases where an offender who was sentenced before SEPP came into effect but still poses a threat to the public and will be released upon serving his current sentence? This is just like the example the Minister mentioned about the offender who was sentenced for raping his niece and, after less than two years upon release, sexually assaulted his stepdaughter. On the improvements in Court processes, clauses 12 and 13 provide for the Courts and the Police to release accused persons on personal bond for offences punishable with imprisonment of up to seven years. While I appreciate that an aim of this measure is to expedite cases to relieve stress on our criminal justice system, the contrary may result if the risk of abscondment is not properly managed. With this in mind, can the Minister share the rate of abscondment for cases of personal bond in the past five years and whether key learnings were or can be derived from dealing of these cases to strengthen safeguards against flight risks?”
“Can the Minister clarify the safeguards for the protection of such information procured from such FIs during investigations, including the deletion of such information after investigations have concluded? I now turn to the new framework for FMEs. The proposed Division 5 of clause 7, which formally empowers the Police and other specialists to obtain forensic medical evidence critical for investigations, with the closure of this legislative gap and the improved potential for solving crimes, can the Minister share the number and status of cases in the past five years, in which the current lack of legal powers for FME has impeded investigations? In addition, for victims where FME is needed, consent is required except in certain circumstances laid out in the proposed section 40H(2) of clause 7. In this regard, can the Minister clarify, for cases where an FME is conducted on a victim above the age of 14, who is unable to give consent due to a temporary physical or mental condition, for example, intoxication, but who upon recovery refuses consent, does he/she have any recourse for the removal of FME information or perhaps, upon conclusion of investigation and Court proceedings? Next, on the new sentences for public protection, the severity of the proposed SPP and SEPP conveys our desire to prevent dangerous offenders from being automatically released from prison after the end of their jail term. For both frameworks, the judgments by the Court will be complemented with timely assessments of an offender's rehabilitation closer to the potential release date and powers vested upon the Minister to, on the advice of a Review Board, order the offender's release on licence or continued detention.”
“Sir, underpinning our reputation as one of the safest cities in the world is the strong rule of law. The robust criminal justice system that we have today is due to our LEAs which work tirelessly to keep Singapore safe and secure. I note that this Bill contains comprehensive proposals spanning enforcement, sentencing and Court processes which reflect the Government's continuous efforts to ensure our criminal justice processes remain fair and effective in an increasingly complex security landscape. As such, I support this Bill, but would like to seek some clarifications. Let me begin with the provisions relating to law enforcement powers. Clause 11 of the Bill empowers officers of CNB, ICA and the Singapore Prison Service (Prisons) to pursue and re-arrest persons escaping from the lawful custody of other Home Team Departments (HTDs), including the Police. This is sensible, as it synergises inter-departmental capabilities to better deal with flight risks. I have noted the past success and risk of joint operations involving not just HTDs but also other LEAs outside MHA, such as Singapore Customs under the Ministry of Finance (MOF). As such, can the Minister clarify if such powers will or can be extended to LEAs beyond the Home Team to further strengthen inter-Ministry operational efficiencies? Clauses 4 and 6 clarify the powers of LEAs in obtaining customer information from financial institutions (FIs), in line with Monetary Authority of Singapore (MAS)' policy, specifically for banks and licensed companies, to enhance the protection of confidential customer information held by these FIs.”
“Mr Speaker, Sir, not every user of mobile phones are banking customers or mobile app users. So, to this point, would the Minister of State consider looking at a potential upgrade of ScamShield? And secondly, would the Minister of State consider further upgrades to ScamShield if further monitoring of existing initiatives do not work out as well?”
“Thank you, Mr Speaker. Can I ask the Minister of State to share if there are plans to upgrade ScamShield protection to cover other channels like emails, WhatsApp messages and, perhaps, malware, which the Minister of State said do not help in protection so far? The reason is, Mr Speaker, the Police have reported that we have already seen losses of $660 million last year and $330 million in the first half of the year. Apart from these losses are the emotional stress on victims. So, a positive reply would be appreciated.”
“Thank you, Mr Speaker. Alluding to Minister of State's earlier point about strengthening of MAS' capabilities and AMLD in respect of anti-money laundering, could the Minister of State share his perspective on how other international financial centres have dealt with financial institutions as well as complicit individuals who are implicated in money laundering cases? And then of course comparing this to Singapore's situation.”
“In recognising the closure of this gap, may I also seek the Minister's clarification on the number of cases and the total amount of repatriation costs unrecovered over the past five years? Lastly, the Bill seeks to streamline processes regarding the loss and renewal of a PR status as well as the imposing and varying of PR conditions. I agree with the underlying principle that the right to enter or stay in Singapore must be the prerogative of the Government. On this note, will ICA consider publishing high level guidelines on its assessment criteria to provide some clarity and, more importantly, to guide expected behaviour? Sir, notwithstanding the clarifications, I am confident that this Bill will enable ICA to keep Singapore's borders safe and secure in a dynamic operating landscape.”
“Can Minister clarify if ICA had sought to understand the root cause of these non-compliances and whether there are plans to improve or smoothen this reporting regime, other than by introducing a composition framework? Also, considering that the bus operator sector is more fragmented than the airline industry, they also have customer management systems that are less sophisticated and there are ground concerns that such operators may face difficulties with compliance. With this ground challenge known, how can ICA ensure the accuracy, completeness and timeliness of information submitted as well as compliance with any issued NBD by bus operators? Are there plans for ICA to create a generic portal to help such operators to comply with the new regulations? Clause 8 also expands the powers of the Minister to prohibit the entry or transit by foreigners on public security or public health grounds. This includes Singapore PRs and pass-holders. In this regard, especially in considering PRs who are more likely to have families in Singapore, of which some of whom may even be our citizens, can the Minister clarify the factors of assessment before the exercise of such powers and if there is a lead time for notification so that such affected persons and their families can make adequate preparations? I next move on to the enhancing of border controls and the administration of passes and permits, and on this point, with respect to the recovery of funds from offenders for their repatriation. I welcome clause 51 of the Bill, which empowers ICA to recover funds from all categories of persons to be removed from Singapore and not just prohibited immigrants.”
“For example, will sufficient ICA officers and related resources be available on standby to support an activation of manual clearance processes where required and what kind of tolerable service levels is being planned so that travellers can expect that the system should it not be available? Regarding the access by the airport operator to biometric and flight information, can Minister elaborate on the measures and the safeguards against misuse, unlawful retention and cybersecurity risks? What are the level of governance standards around data usage applicable to ensure robust requirements across different organisations like Changi Airport and airline operators who may have differing data infrastructure and, therefore, security policies as well compared to, say, ICA? And will there be independent checks or audits by qualified authorities to ensure compliance? I now turn to future-proofing against evolving challenges. I note that clause 27 of the Bill expands ICA’s powers to collect advance passenger information from currently, vessels, airlines and train operators, to across all modes of entry including from bus operators. ICA will also be able to issue NBDs to direct transport operators to deny the boarding of undesirable individuals, particularly those who pose a threat to our safety and security. While I support the expanded collection of these data to strengthen our border controls, I note that there have been operational difficulties in this regard, where a number of airlines have failed to comply with the requirements to submit advance information to ICA since the inception of advance passenger screening in October 2019.”