Hoarding and risks to public safety

Hoarding is a complex and difficult issue that Town Council officers, HDB officers and even MPs sometimes deal with in public housing estates. I have personally visited residents who hoard items inside their units or along the common corridors. 

Recent fires in housing estates resulting from cluttered flats and corridors have highlighted the need to more expeditiously enforce the clearance of hoarded items where the hoarding situation presents a threat to public health and safety. 

I asked the Minister for National Development a Parliamentary Question on how many times agencies have intervened to enforce the clearance of items hoarded within HDB flats where the hoarding situation presented a threat to public health and safety. I also asked how these clearances were executed and how long they took.

After Senior Minister of State for National Development Sim Ann replied to my questions, I asked two supplementary questions:

“I note that there is currently a multi-agency approach to hoarding cases and it often involves engaging volunteers to persuade the hoarders or help clear their items. I am very grateful to the big-hearted work of these volunteers. But given that there may be urgent public health and safety issues at stake, does the SMS (Senior Minister of State) agree that there is a need to deploy more trained and experienced officers to lead the engagement of the hoarders and for paid workers to help with the clearance so that it can be done expeditiously?

Second, the SMS said just now that enforcement levers are being reviewed. What will be the scope of this review and will it involve putting more resources into dealing with this difficult problem, not just in terms of enforcement, but also in engaging the hoarders and their families?”

The full PQ that I filed is below:

*3391. Mr Gerald Giam Yean Song: To ask the Minister for National Development in each year from 2016 to date (a) how many times have Government agencies intervened to enforce the clearance of items hoarded within HDB flats where the hoarding situation presented a threat to public health and safety; (b) how were these clearances executed; and (c) what is the average time taken between the date the agency was notified of the hoarding situation and the date the clearance was completed.

New sports facilities at Farrer Park

Sports plays an important role in making Singaporeans healthier. Sporting excellence at the international stage can unite our nation as we put aside our differences and cheer on Team Singapore. In order to achieve this, athletes need enough good sports facilities to train. 

In April, it was reported that the area at Farrer Park which currently houses multiple sports facilities will be redeveloped with HDB flats and new sports facilities. The current Farrer Park Swimming Complex will not be retained “due to technical considerations”. I was thus concerned that the overall number of sports facilities may be reduced as a result of this redevelopment.

I sought clarifications from Minister for Culture, Community and Youth Edwin Tong on his Ministry’s proposed plans for Farrer Park.

Read the full Q&A below:

Mr Gerald Giam Yean Song asked the Minister for Culture, Community and Youth (a) what sports facilities will be provided at the proposed housing development cum sports centre site at Farrer Park; (b) whether the total area available for sports facilities in Farrer Park will be reduced from the current area as a result of this redevelopment; and (c) if so, whether alternative sports facilities will be built at other locations to replace any lost facilities at Farrer Park.

Mr Edwin Tong Chun Fai: The redevelopment plans for Farrer Park presents an opportunity to enhance the existing sporting and recreational facilities to better serve current and future residents and bring the community together to create new shared experiences.

The myriad of sports and recreational spaces within the new housing estate will include the following:

(a) The existing swimming complex will be replaced with new sheltered and outdoor swimming pools in a new sports centre at the same location, which will also house a gym and fitness studio. 

(b) The existing boxing gym will be retained and converted to a multi-purpose sporting space.

(c) More sports facilities, such as a flexible indoor space ,which can be used for sports like table tennis will be incorporated within the Multi-Storey Car Park in the estate. This will complement other facilities around the estate such as fitness corners, providing multiple avenues for the community to keep fit and active.

(d) A jogging track will weave through the entire new housing estate and connect the various sports and recreational facilities.

Notwithstanding our limited land and need for space to develop new HDB flats to meet strong demand for housing, we will still ensure that there will be spaces for the community to enjoy sports, and that they are readily accessible. There will be open spaces for sports and recreational uses, including an approximately 1.2-hectare central green space (equivalent to the size of two football fields) comprising a multi-use field and park that can be used for various activities, such as community football programmes amongst others.

These plans have taken into consideration Farrer Park’s association with Singapore’s sporting heritage and feedback from various stakeholder engagements, including Friends of Farrer Park (FOFP) and the sports community.

Overall, we remain committed under the Sports Facilities Master Plan to ensure that there are sufficient sports facilities to cater to both national level and town level demand. This includes exciting developments at the Kallang Alive! precinct, including the new Kallang Tennis Centre which will have seven covered courts and 12 outdoor courts, as well as new sports centres that are being built in several HDB towns.

Source: Parliament Hansard

School counselling and confidentiality

It is important that students seek counselling early to help them deal with mental health issues like depression, anxiety and stress. However, some may be hesitant about approaching their school counsellors because of fears that their parents or teachers may be informed about what they reveal during counselling sessions, or that this could have a negative impact on their leadership opportunities in their co-curricular activities. I asked the Minister for Education a question in Parliament on 1 Aug 2022 to seek clarity on these concerns, and also ask what MOE is doing to put students more at ease about seeking counselling at school to address mental health issues.

See the full Q&A here:

Mr Gerald Giam Yean Song asked the Minister for Education (a) what levels of confidentiality are school counsellors obliged to maintain vis-a-vis the students they counsel; (b) in what circumstances do counsellors inform the students’ teachers and/or parents about their findings during counselling sessions; (c) whether these sharings will have an impact on the students’ school-based leadership opportunities; and (d) what is the Ministry doing to put students more at ease about seeking counselling at school to address mental health issues.

Mr Chan Chun Sing: Observing confidentiality of information is key for school counsellors to maintain trust with their students. Before counselling begins, they will inform students of the limits of confidentiality. For example, school counsellors may need to communicate with parents and school leaders should there be concerns with student safety (i.e. harm to self and/or others).

School-based leadership opportunities are extended to students based on multiple factors, including their qualities, past participation, and interest. Students who undergo or have received counselling are not excluded from leadership opportunities if they meet the selection criteria.

Schools have taken steps to raise awareness and facilitate access to counselling services. First, students learn about common mental health issues and the importance of help-seeking through lessons in the refreshed Character and Citizenship Education (CCE) curriculum. They are also taught to be accepting and empathetic towards those struggling with mental health issues, and to alert their teachers to peers who need counselling support. Second, information on counselling services in school and beyond are availed to students and parents through various communication platforms.

Whilst school counsellors have an obligation for confidentiality to their students, they also need to take into account their need for parental support. School counsellors will continue to work closely with teachers and parents to promote positive help-seeking behaviours amongst students. Students are assured that seeking counselling help is a natural means of coping with their mental health issues.

Source: Parliament Hansard

Petrol prices in Singapore

Pump prices increased markedly in the past year, hitting a high of $3.42 for 95-octane on 30 June 2022. They have since dropped but are still higher than a year ago. The price of fuel has contributed to inflation and is creating some hardship for those who need to drive for a living. 

With this concern in mind, I asked the Minister for Trade and Industry when the results of the review conducted by the Competition and Consumer Commission of Singapore (CCCS) on alleged anti-competitive behaviour by fuel retailers during the spike in commodity prices in the first half of the year will be released. I further probed whether such a review will be conducted periodically henceforth.

This was Minister for Trade and Industry Gan Kim Yong’s written reply:

“Last month Minister of State Low Yen Ling updated the House that fuel prices in Singapore had risen in tandem with global crude oil prices. Global crude oil prices had increased significantly due to higher demand as economies reopen following the pandemic, coupled with tight supplies due to sanctions against Russia and the past years of under-investment in fossil fuel productions. MTI is currently reviewing the fuel retail market to determine if there are other ways to alleviate the pressure on fuel prices. This study will also examine how global developments, as well as the practices of the fuel retail operators, have led to the pricing trends seen so far.

To support the study, CCCS has required fuel retail operators to submit data and we will update the House when ready. In the meantime, we welcome the fact that petrol pump prices have fallen by 7% to 12% since early July. As to whether such a review will be conducted periodically henceforth, future reviews would depend on market conditions and the practices of the industry players. The Government is committed to ensuring a competitive fuel retail market and we are continuing to monitor the actions of the fuel retail operators closely.”

I am glad to learn from the Minister’s answer that the CCCS has required fuel retail operators to submit data in order to conduct a study on the fuel retail market and determine if there are other ways to alleviate the pressure on fuel prices. I will be following up to ask for more details of this study, as high pump prices are a concern for many Singaporeans.

Visit to Singapore by the former President of Sri Lanka

Mr Gotabaya Rajapaksa fled Sri Lanka and arrived in Singapore on 14 July 2022 on a social visit pass. He was allowed entry into Singapore on a private visit and submitted his resignation as President of Sri Lanka shortly after his arrival. According to the Straits Times, Mr Rajapaksa arrived at Changi Airport on board a Saudi Arabian Airlines (Saudia) flight at 7.17pm. TODAY saw a Saudia plane moving to Changi Airport’s VIP Complex two minutes after it touched down. Both newspapers reported that a convoy of three vehicles —  a white BMW, a black Mercedes Vito and a black Toyota Alphard — accompanied by two Certis Cisco riders on motorbikes were seen driving out of the premises around 8pm. TODAY reported that shortly after, two cars were seen leaving the adjacent JetQuay terminal, which is catered to “commercially important persons”, with at least one police car accompanying it. It should be kept in mind that Mr Rajapaksa was still the President of Sri Lanka at the time he arrived in Singapore.

On the 1 Aug 2022 sitting of Parliament, I asked the Minister for Foreign Affairs (a) what privileges, immunities and hospitality are accorded to former Heads of State or Heads of Government who visit or transit through Singapore; (b) whether any public resources are expended in such instances; and (c) whether the former Sri Lankan President was accorded any privileges, immunities and hospitality in Singapore following his resignation.

The Minister gave this written reply: “In general, the Singapore Government does not accord privileges, immunity and hospitality to former Heads of State or Heads of Government. Consequently, former President Gotabaya Rajapaksa was not accorded any privileges, immunity or hospitality.”

SAF Digital and Intelligence Service

This was my speech in Parliament during the debate on the Singapore Armed Forces and Other Matters Bill on 2 Aug 2022.

In my speech today, I will be focusing on the amendments to the Singapore Armed Forces Act to establish a new Digital and Intelligence Service (DIS). MINDEF plans to establish a DIS, which will be a fourth armed service, alongside the Army, Navy and Air Force. This is timely, given the growing importance of cyber warfare and cyber defence.

Importance of cyber capabilities

Cyber warfare involves attacks on critical infrastructure systems of an adversary. These could include “soft kills” that damage key operating software or hardware without kinetic action, such through hacking. The objective is to weaken the target country by compromising its core systems.

Cyber warfare takes many forms. Cyber attackers may conduct espionage using spear-phishing attacks to gain remote access to an adversary’s computer to extract sensitive information. They may hack critical infrastructure like the electrical power grid, which will disrupt communications and even cause deaths if, say, life-supporting medical equipment is shut down. Or they may crash modern economic facilities like banks and payment systems. 

Propaganda attacks may be employed to control the hearts and minds of the people living in the targeted country, or make them lose faith in their own country and sympathise with the enemy. 

These are not hypothetical scenarios. They have been employed by nation-states for many years. With the digitalisation of almost everything, the cyber threat is increasing by the day. Up until recently, a war was usually fought by sending in the air force to bomb the target nation’s critical infrastructure and defence installations, before any ground troops were sent it. In modern warfare, cyber-attacks are likely to be one of the first modes of attack, because they can be employed so easily without detection. The Gerasimov doctrine, which the Minister alluded to earlier in his speech.

All armed services are digital

The DIS aims to bolster the SAF’s capability to defend Singapore in the digital battlefield. With the establishment of the DIS, the other armed services must be careful not to develop a mindset that the DIS alone is responsible for all things digital in the SAF. 

In the commercial world, there is now much less distinction between tech companies and non-tech companies. The Fourth Industrial Revolution has forced all companies to become technology companies in some shape or form. Those that do not digitalise will find themselves losing customers to more digital-savvy competitors, and may even go out of business.

Similarly, in the military realm, every armed service — the army, navy, airforce and DIS — will need to use digital capabilities to keep ahead of our nation’s potential adversaries. Digitalisation, cyber defence and cyber security cannot be left to the DIS alone to handle

Could the Minister share the broad parameters regarding which digital responsibilities fall under the purview of the DIS and which do not?

Inter-agency digital cooperation

The DIS will not be the first technology-focused agency to be set up within the Government. 

How will the role of the DIS be different from that of the Cyber Security Agency (CSA) and the Home Team Science and Technology Agency (HTX) in countering cyber threats to Singapore?

How will these agencies, together with the Government Technology Agency (GovTech), work together so that knowledge and information is shared, where appropriate, and duplication of work is avoided?

I hope the DIS, CSA, HTX and GovTech plan to establish a common communication platform so as to not only share information occasionally but actively work together on a regular basis to counter the cyber threats that Singapore faces. I note that a Digital Ops-Tech Centre will be established as a centre of excellence for SAF’s digital expertise, partnering the Defence Tech Community, Whole-of-Government digital agencies, academia and the industry, to remain innovative in its approaches and culture. Could the Minister elaborate more on how this partnership will work in practice?

Legal safeguards and oversight

The DIS will likely have significant capabilities and powers to intrude in the private space of the functionaries of would-be adversaries. 

What protections are in place to make sure that such capabilities are not turned on citizens or abused? It is necessary, in any developed democracy, to put in place legal safeguards and channels for recourse to prevent the abuse of power by current and future governments.

One form of oversight would be for MINDEF to provide confidential reports to a cross-party Parliamentary Select Committee for Defence, which can scrutinise those reports and ask questions in a confidential setting.

Digital manpower

I note that DIS will focus efforts to attract and develop both military and non-uniformed digital experts to grow the SAF’s digital workforce. 

Will the need for a high level of security clearance mean that the DIS will hire only Singapore citizens? 

Will the DIS be engaging technology contractors to supplement their own manpower? If so, how will it ensure that contractors and their employees, who may be reporting to foreign managers based in other countries, will not leak sensitive information? 

Members will recall how Edward Snowden, who leaked highly classified information from the US National Security Agency (NSA), was not an NSA employee but a contractor with a consulting firm hired by the agency.

The need for security clearance will naturally limit the pool of manpower available to the DIS, in what is already a very competitive labour market for tech talent. This will make it a challenge to find sufficient local tech talent to join the DIS. In fact, the introduction of the DIS could further draw talent away from the private sector, as many Singaporean tech workers are likely to be attracted to the pay, benefits and job stability that the DIS has to offer.

In order to expand the pool of tech manpower, our polytechnics and local universities must urgently increase enrolment in IT and technology-related majors. This is a point I raised before in this House. More funding should be provided to our local institutions to achieve this. This will benefit the recruitment pipeline of both the DIS and the private sector.

I am glad to know that NSFs and NSmen with tech talents will be leveraged to support the SAF’s digital core. The Central Manpower Base should identify such talents early, even before enlistment, so that they can be drafted into the DIS during their Full-time National Service and later during their Operationally-ready NS cycles.

Zero-day vulnerabilities

Zero-day vulnerabilities are software or hardware bugs in systems that have yet to be discovered or patched by the developer or manufacturer. When governments or individuals discover these “zero-days”, they can create software code to exploit the vulnerabilities, known as “zero-day exploits”. 

Zero-day exploits can potentially enable their owner to access sensitive information in other computer systems or take control of those systems remotely, often undetected. One of the most well-known zero-day exploits is Stuxnet, a cyber operation that sabotaged Iranian nuclear centrifuges.

I would assume — but will not ask the Minister to confirm — that the role of the DIS will include building capabilities to conduct offensive cyber operations.

In the course of this, the DIS may discover and stockpile zero-day vulnerabilities in operating systems that run critical infrastructure and the military networks of potential adversaries. It would be natural for the DIS to want to keep the knowledge of these exploits secret, so that our potential adversaries do not patch their systems and the DIS maintains its offensive capability.

However, there is an offence-defence tradeoff between stockpiling zero-day exploits and helping other local government agencies and private organisations patch these vulnerabilities so our own critical infrastructure does not get hacked by others. 

In 2016, a group of hackers calling themselves the Shadow Brokers released a cache of top secret cyber spying capabilities that likely belonged to the NSA. Some of these included zero-day exploits, which could be used to exploit vulnerabilities in products, produced by companies like Cisco, Juniper and Fortinet, that protect US companies and critical infrastructure. The existence of these zero-days raised questions about whether the NSA should have told the vendors about these vulnerabilities, so that the vendors could patch them.

The US Government has a policy whereby any agency that wishes to keep a zero-day exploit has to argue their case through what is known as a Vulnerability Equities Process (or VEP). The VEP comprises an Equities Review Board chaired by the National Security Council and attended by senior officials from agencies concerned with the security of critical infrastructure, like the Department of Homeland Security and Department of Commerce. This Board reportedly meets quite regularly.

The Singapore Government should consider developing a VEP process of its own for determining whether to retain or disclose vulnerabilities to vendors, so that our own critical infrastructure is protected from hacking attempts. 

Commercialising defence technology

The last point I wish to raise concerns the potential for commercialising defence technologies to benefit Singapore. 

Many technologies that we use every day originated from military technology. The US Defense Advanced Research Projects Agency (or DARPA) invented TCP/IP, which is the plumbing that makes the Internet possible. The Global Positioning System (or GPS) was originally developed by the US Department of Defense, and is now used in almost all our mobile phones. Israel is widely recognised as a “start-up nation”. Many of Israel’s high-tech companies were founded by soldiers who completed their National Service in Unit 8200, the Intelligence Corps of the Israel Defense Forces.

In Singapore, we hardly hear of commercial technology or tech start-ups originating from the Defence Tech Community. I can understand why MINDEF would rather not share any defence technology discoveries publicly, because that may cause us to lose our edge over our adversaries. 

With the establishment of the DIS, there is likely going to be billions of dollars from the public purse spent on developing digital capabilities within the SAF. There should be some scope for allowing some limited commercialisation of defence technologies that would benefit our nation, economy or society.

MINDEF should develop a framework for allowing some of these technologies to be commercialised without compromising national security. This framework should also have safeguards in place to ensure that the commercialised products are not abused by private organisations or foreign governments for nefarious purposes, as this could have a negative effect on Singapore’s international reputation.

The interaction between defence and commercial technologists could also spark ideas, innovations and discoveries within the DIS and the wider Defence Tech Community, and help the SAF improve its technological edge.

Summary

In summary, I support the creation of the DIS within the SAF but hope the Minister will consider the concerns I have raised.

First, the DIS must not operate in a silo. All armed services need to continually digitalise in order to maintain their edge in the battlefield. The DIS should work closely with other digital government agencies to jointly counter the cyber threats that Singapore faces.

Second, the significant technological capabilities of the DIS must be balanced with adequate checks and balances, legal safeguards and oversight to prevent the abuse of power and violations of citizens’ right to privacy, especially during peacetime.

Third, the establishment of the DIS will create a greater demand for local tech talent. Local higher education institutions must increase the intake of Singaporeans in IT-related majors to meet this demand.

Fourth, to safeguard Singapore’s critical infrastructure from being hacked, the Government should consider implementing a Vulnerability Equities Process to decide whether to retain or disclose to vendors any vulnerabilities that its agencies, including the DIS, discover.

And fifth, MINDEF should develop a framework for allowing some defence technologies to be commercialised to benefit our nation, but without compromising national security or allowing the technologies to be abused.

Takeover of Sports Hub by the Govt

During the July 2022 sitting of Parliament, I asked the Minister for Culture, Community and Youth how SportSG will use the takeover of the Singapore Sports Hub as an opportunity to develop sports excellence at the junior level, notwithstanding the comparatively low commercial value of junior sports, so as to grow a broader pipeline of future high performance athletes and sports champions.

In today’s sitting (1 Aug 2022), Minister for Culture, Community and Youth Edwin Tong responded to this and other questions during his Ministerial Statement on “Unlocking the Sports Hub’s Full Potential for Singapore”.

Following his statement, I asked three supplementary questions:

Could the Government not have tapped on international private sector experience using the procurement model?

How will SportSG bring in more marquee events when SHPL, with all its international expertise, could not?

Will the Sports Hub and Kallang Alive precinct be used to host all National Sports Competitions and National Schools’ Games and can SportSG make greater efforts to market such events to a wider public audience? This will inspire our young athletes to push themselves harder, increase the public attendance at such competitions, and also free up other community sports facilities for the general public to use. As the Minister would be aware, these facilities tend to be block booked by National Sports Associations for competitions and training, to the consternation of some members of the public.

The Minister’s responses to these questions will be published in the Parliament Hansard in about two weeks’ time.

Voluntary Early Development Scheme (VERS)

VERS was announced almost four years ago, during the Prime Minister’s National Day Rally Speech in 2018. So far, we have yet to hear any substantial details of the scheme. Many HDB flats are fast ageing, with some already over 60 years old. This means that we have less than 10 years before some flats will be 70 years or older. Nevertheless, the Government said in 2018 that VERS would be launched in “about 20 years’ time” (ie, the year 2038).

Earlier this week (5 Jul 2022), I asked the Minister for National Development two Parliamentary questions on the Government’s plans and timeline for offering VERS. In his answer, the Minister said that the Ministry is still in the midst of working out the details. Read on for the full Q&A.

PLANS TO OFFER VOLUNTARY EARLY REDEVELOPMENT SCHEME TO RESIDENTS BEFORE YEAR 2039

Mr Gerald Giam Yean Song asked the Minister for National Development (a) whether the Government has plans to offer Voluntary Early Redevelopment Scheme (VERS) to any precincts before the year 2039; and (b) what is the voting threshold that needs to be achieved for a precinct to be selected for VERS.

Mr Gerald Giam Yean Song asked the Minister for National Development what will be the terms of offer, including the compensation quantum, rehousing options and other benefits, to be provided to lessees of HDB flats selected for the Voluntary Early Redevelopment Scheme.

Mr Desmond Lee: The Voluntary Early Redevelopment Scheme (VERS) will be implemented in the longer term, as HDB flats and estates get older, to facilitate the orderly redevelopment and rejuvenation of these towns and estates. This will also allow more households to benefit from redevelopment before their flat leases expire, starting from when the flats reach around age 70 or older.

Unlike SERS, VERS will be a voluntary programme and residents will vote on the exercise in their precinct. If residents in a selected precinct vote in support of VERS, the Government will buy back all the flats and redevelop the precinct, and residents can use their sales proceeds to help pay for another flat. If the residents do not support VERS, they can continue to live in the precinct until their flat leases run out. The terms of VERS will not be as generous as SERS due to the lower redevelopment potential and hence smaller financial upside from the redevelopment.

VERS is a complex undertaking, involving detailed long-term town planning. We are in the midst of working out the details, such as how to identify the precincts, how to pace the redevelopment over time, the specific terms of the Government’s offer, the voting threshold that needs to be achieved for a selected precinct to proceed with VERS, and how to ensure fiscal sustainability in the long run. We will seek ideas and views from the public in the process, and will share more information with Members and Singaporeans when we are ready.

Cost of cancer treatment

The upcoming changes to the insurance coverage of cancer drugs not on the Ministry of Health (MOH)’s Cancer Drug List may affect patients with rare cancers, who may find themselves saddled with far higher bills for unsubsidised drugs.

On 4 July 2022, I asked the Minister for Health two Parliamentary questions on this issue:

Mr Gerald Giam Yean Song asked the Minister for Health (a) whether the Ministry has assessed to what extent the new limitations on insurance coverage and Medisave use for cancer drug treatments will impact doctors’ treatment decisions for their patients based on their clinical judgement; and (b) how it will affect patient care for those suffering from less common cancers.

Mr Gerald Giam Yean Song asked the Minister for Health whether his Ministry plans to establish and fund a National Cancer Care Appeals Board consisting of doctors from different specialties to discuss appeals from doctors on behalf of individual patients with complex cancers for whom standard therapies may be inappropriate or ineffective, review real world evidence and make timely decisions on whether to allow insurance coverage and Medisave use for off-label drugs or drugs not on the Cancer Drug List.

Senior Parliamentary Secretary (Health) Rahayu Mazam responded to my questions on 5 July 2022. After her answer, I asked her several supplementary questions:

I’m not sure if my question on the introduction of a National Cancer Care Appeals Board was answered. I understand from the Agency for Care Effectiveness (ACE) website which SPS just referred to that it takes 10-11 months from the time pharmaceutical companies submit their pre-submission form to ACE, to the time the Drug Advisory Committee (DAC) meets. However, for individual cancer patients for whom time is of the essence, anything more than one week may be too long to wait for a decision on a drug subsidy approval. Can we therefore have a National Cancer Care Appeals Board which can make rigorous yet speedy decisions to subsidise drugs for individual patients, to allow these patients to get the life-saving drugs they need? The DAC can then take the necessary time to review the drug for inclusion on the Cancer Drug List to benefit patients at the national level.

Secondly, has MOH modelled out how many patients per year will be adversely affected by these changes to the insurance policies, how much in cost savings are expected, and what is the price in human lives that MOH is prepared to accept in order to achieve these cost savings?

The SPS’ replies will be published in the Parliament Hansard and reported in the media.

Safeguards against scams involving CPF monies

Scams against senior citizens have become worryingly common these days. With many seniors able to withdraw large amounts of money from the CPF accounts once they reach 55, this group may be a prime target for scammers. I therefore asked a Parliamentary question on 9 May 2022 whether CPF Board imposes any daily withdrawal limits or enhanced scrutiny for extraordinarily large withdrawals of CPF funds to safeguard against scams. The Minister’s answer is below:

DAILY WITHDRAWAL LIMITS FOR CPF FUNDS AND SAFEGUARDS IN PLACE AGAINST SCAMS INVOLVING EXTRAORDINARILY LARGE SUMS

Mr Gerald Giam Yean Song asked the Minister for Manpower whether the CPF Board imposes any daily withdrawal limits for CPF funds that members are eligible to withdraw; and (b) whether the CPF Board has a threshold beyond which extraordinarily large withdrawal sums are subject to enhanced scrutiny to safeguard against scams.

Dr Tan See Leng: CPF Board takes a serious view towards safeguarding members against scams. At the same time, the CPF Board recognises that we should not unnecessarily inconvenience members for the vast majority of transactions that are legitimate. This is why we do not impose any daily withdrawal limits or thresholds. However, CPF Board will only pay to a member’s bank account after verification that the bank account belongs to the member.

CPF Board has put in place several measures to give members a greater peace of mind against illegitimate transactions. First, before any CPF withdrawals are authorised, CPF Board authenticates the identity of the person making the withdrawal request to ensure he or she is the owner of the CPF accounts involved. This is done by verifying against the member’s identification card for face-to-face requests or through the use of Singpass two-factor authentication for online requests.

Second, CPF members receive a notification via email or SMS for any withdrawal of CPF monies from their accounts. Members are encouraged to update their latest mobile number or email address via the CPF website by logging in with their Singpass so they do not miss out on such notifications. 

Third, CPF Board verifies that a bank account indeed belongs to the member before making any payment.  

CPF Board’s safeguards are in line with existing practices in the financial industry such that banks do not impose limits for transactions between verified accounts held by the same person within the same bank. As outlined in Minister Lawrence’s Ministerial Statement in February 2022, Monetary Authority of Singapore (MAS) and the banks are looking to introduce further measures for significant changes to their accounts such as fund transfers that are large relative to their overall balances. CPF Board will review these safeguards regularly to ensure that they are effective and align with industry practices, where applicable.

Citizen vigilance is imperative in the fight against scams. Members should take necessary precautions to guard against potential scams when they receive unsolicited calls and refrain from giving away their Singpass or internet banking credentials. CPF Board staff are also trained to assist members to respond to scam cases. When in doubt, always verify the authenticity of the information with CPF Board through multiple online and offline channels. 

Source: Parliament Hansard