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Pensions Act 2004

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  1. Introductory Text

  2. Part 1 The Pensions Regulator

    1. Establishment

      1. 1.The Pensions Regulator

      2. 2.Membership of the Regulator

      3. 3.Further provision about the Regulator

    2. General provisions about functions

      1. 4.Regulator’s functions

      2. 5.Regulator’s objectives

      3. 6.Supplementary powers

      4. 7.Transfer of OPRA’s functions to the Regulator

    3. Non-executive functions

      1. 8.Non-executive functions

    4. The Determinations Panel

      1. 9.The Determinations Panel

      2. 10.Functions exercisable by the Determinations Panel

    5. Annual report

      1. 11.Annual reports to Secretary of State

    6. Provision of information, education and assistance

      1. 12.Provision of information, education and assistance

    7. New powers in respect of occupational and personal pension schemes

      1. 13.Improvement notices

      2. 14.Third party notices

      3. 15.Injunctions and interdicts

      4. 16.Restitution

      5. 17.Power of the Regulator to recover unpaid contributions

      6. 18.Pension liberation: interpretation

      7. 19.Pension liberation: court’s power to order restitution

      8. 20.Pension liberation: restraining orders

      9. 21.Pension liberation: repatriation orders

    8. Powers in relation to winding up of occupational pension schemes

      1. 22.Powers to wind up occupational pension schemes

      2. 23.Freezing orders

      3. 24.Consequences of freezing order

      4. 25.Period of effect etc of freezing order

      5. 26.Validation of action in contravention of freezing order

      6. 27.Effect of determination to wind up scheme on freezing order

      7. 28.Effect of winding up order on freezing order

      8. 29.Effect of assessment period under Part 2 on freezing order

      9. 30.Power to give a direction where freezing order ceases to have effect

      10. 31.Notification of trustees, managers, employers and members

      11. 32.Sections 23 to 31: supplementary

    9. Trustees of occupational pension schemes

      1. 33.Prohibition orders

      2. 34.Suspension orders

      3. 35.Appointments of trustees by the Regulator

      4. 36.Independent trustees

      5. 37.Disqualification

    10. Contribution notices where avoidance of employer debt

      1. 38.Contribution notices where avoidance of employer debt

      2. 38A.Section 38 contribution notice: meaning of “material detriment test”

      3. 38B.Section 38 contribution notice issued by reference to material detriment test: defence

      4. 39.The sum specified in a section 38 contribution notice

      5. 39A.Section 38 contribution notice: transfer of members of the scheme

      6. 39B.Section 39A: supplemental

      7. 40.Content and effect of a section 38 contribution notice

      8. 41.Section 38 contribution notice: relationship with employer debt

      9. 42.Section 38 contribution notice: clearance statements

    11. Financial support directions

      1. 43.Financial support directions

      2. 43A.Financial support directions: transfer of members of the scheme

      3. 43B.Section 43A: supplemental

      4. 44.Meaning of “service company” and “insufficiently resourced”

      5. 45.Meaning of “financial support”

      6. 46.Financial support directions: clearance statements

      7. 47.Contribution notices where non-compliance with financial support direction

      8. 48.The sum specified in a section 47 contribution notice

      9. 49.Content and effect of a section 47 contribution notice

      10. 50.Section 47 contribution notice: relationship with employer debt

      11. 51.Sections 43 to 50: interpretation

    12. Transactions at an undervalue

      1. 52.Restoration orders where transactions at an undervalue

      2. 53.Restoration orders: supplementary

      3. 54.Content and effect of a restoration order

      4. 55.Contribution notice where failure to comply with restoration order

      5. 56.Content and effect of a section 55 contribution notice

    13. Sections 38 to 56: partnerships and limited liability partnerships

      1. 57.Sections 38 to 56: partnerships and limited liability partnerships

    14. Applications under the Insolvency Act 1986

      1. 58.Regulator’s right to apply under section 423 of Insolvency Act 1986

    15. Register of schemes

      1. 59.Register of occupational and personal pension schemes

      2. 60.Registrable information

      3. 61.The register: inspection, provision of information and reports etc

      4. 62.The register: duties of trustees or managers

      5. 63.Duty of the Regulator to issue scheme return notices

      6. 64.Duty of trustees or managers to provide scheme return

      7. 65.Scheme returns: supplementary

    16. Register of prohibited trustees

      1. 66.Register of prohibited trustees

      2. 67.Accessibility of register of prohibited trustees

    17. Collecting information relevant to the Board of the Pension Protection Fund

      1. 68.Information relevant to the Board

      2. 69.Duty to notify the Regulator of certain events

    18. Reporting breaches of the law

      1. 70.Duty to report breaches of the law

    19. Reports by skilled persons

      1. 71.Reports by skilled persons

    20. Gathering information

      1. 72.Provision of information

      2. 73.Inspection of premises

      3. 74.Inspection of premises in respect of employers' obligations

      4. 75.Inspection of premises: powers of inspectors

      5. 76.Inspection of premises: supplementary

      6. 77.Penalties relating to sections 72 to 75

      7. 78.Warrants

      8. 79.Sections 72 to 78: interpretation

    21. Provision of false or misleading information

      1. 80.Offences of providing false or misleading information

    22. Use of information

      1. 81.Use of information

    23. Disclosure of information

      1. 82.Restricted information

      2. 83.Information supplied to the Regulator by corresponding overseas authorities

      3. 84.Disclosure for facilitating exercise of functions by the Regulator

      4. 85.Disclosure for facilitating exercise of functions by the Board

      5. 86.Disclosure for facilitating exercise of functions by other supervisory authorities

      6. 87.Other permitted disclosures

      7. 88.Tax information etc

    24. Reports

      1. 89.Publishing reports etc

    25. Codes of practice

      1. 90.Codes of practice

      2. 91.Procedure for issue and publication of codes of practice

      3. 92.Revocation of codes of practice

    26. Exercise of regulatory functions

      1. 93.The Regulator’s procedure in relation to its regulatory functions

      2. 94.Publication of procedure in relation to regulatory functions

      3. 95.Application of standard and special procedure

      4. 96.Standard procedure

      5. 97.Special procedure: applicable cases

      6. 98.Special procedure

      7. 99.Compulsory review

      8. 100.Duty to have regard to the interests of members etc

      9. 101.Powers to vary or revoke orders, notices or directions etc

    27. The Pensions Regulator Tribunal

      1. 102.The Pensions Regulator Tribunal

      2. 103.References to the Tribunal

      3. 104.Appeal on a point of law

      4. 105.Redetermination etc by the Tribunal

      5. 106.Legal assistance scheme

  3. Part 2 The Board of the Pension Protection Fund

    1. Chapter 1 The Board

      1. Establishment

        1. 107.The Board of the Pension Protection Fund

        2. 108.Membership of the Board

        3. 109.Further provision about the Board

      2. General provision about functions

        1. 110.Board’s functions

        2. 111.Supplementary powers

      3. Non-executive functions

        1. 112.Non-executive functions

      4. Financial matters

        1. 113.Investment of funds

        2. 114.Investment principles

        3. 115.Borrowing

        4. 116.Grants

        5. 117.Administration levy

        6. 118.Fees

      5. Annual reports

        1. 119.Annual reports to Secretary of State

    2. Chapter 2 Information relating to employer’s insolvency etc

      1. Insolvency events

        1. 120.Duty to notify insolvency events in respect of employers

        2. 121.Insolvency event, insolvency date and insolvency practitioner

      2. Status of scheme

        1. 122.Insolvency practitioner’s duty to issue notices confirming status of scheme

        2. 123.Approval of notices issued under section 122

      3. Board’s duties

        1. 124.Board’s duty where there is a failure to comply with section 122

        2. 125.Binding notices confirming status of scheme

    3. Chapter 3 Pension protection

      1. Eligible schemes

        1. 126.Eligible schemes

      2. Circumstances in which Board assumes responsibility for eligible schemes

        1. 127.Duty to assume responsibility for schemes following insolvency event

        2. 128.Duty to assume responsibility for schemes following application or notification

        3. 129.Applications and notifications for the purposes of section 128

        4. 130.Board’s duty where application or notification received under section 129

        5. 131.Protected liabilities

      3. Restrictions on schemes during the assessment period

        1. 132.Assessment periods

        2. 133.Admission of new members, payment of contributions etc

        3. 134.Directions

        4. 135.Restrictions on winding up, discharge of liabilities etc

        5. 136.Power to validate contraventions of section 135

        6. 137.Board to act as creditor of the employer

        7. 138.Payment of scheme benefits

        8. 139.Loans to pay scheme benefits

      4. Ill health pensions

        1. 140.Reviewable ill health pensions

        2. 141.Effect of a review

        3. 142.Sections 140 and 141: interpretation

      5. Valuation of assets and liabilities

        1. 143.Board’s obligation to obtain valuation of assets and protected liabilities

        2. 144.Approval of valuation

        3. 145.Binding valuations

      6. Refusal to assume responsibility

        1. 146.Schemes which become eligible schemes

        2. 147.New schemes created to replace existing schemes

        3. 148.Withdrawal following issue of section 122(4) notice

      7. Cessation of involvement with a scheme

        1. 149.Circumstances in which Board ceases to be involved with an eligible scheme

        2. 150.Consequences of the Board ceasing to be involved with a scheme

      8. Reconsideration

        1. 151.Application for reconsideration

        2. 152.Duty to assume responsibility following reconsideration

      9. Closed schemes

        1. 153.Closed schemes

      10. Winding up

        1. 154.Requirement to wind up schemes with sufficient assets to meet protected liabilities

      11. Provisions applying to closed schemes

        1. 155.Treatment of closed schemes

        2. 156.Valuations of closed schemes

      12. Reconsideration of closed schemes

        1. 157.Applications and notifications where closed schemes have insufficient assets

        2. 158.Duty to assume responsibility for closed schemes

        3. 159.Closed schemes: further assessment periods

      13. Assumption of responsibility for a scheme

        1. 160.Transfer notice

        2. 161.Effect of Board assuming responsibility for a scheme

        3. 162.The pension compensation provisions

        4. 163.Adjustments to be made where the Board assumes responsibility for a scheme

        5. 164.Postponement of compensation entitlement for the assessment period

        6. 165.Guaranteed minimum pensions

        7. 166.Duty to pay scheme benefits unpaid at assessment date etc

        8. 167.Modification of Chapter where liabilities discharged during assessment period

        9. 168.Administration of compensation

      14. Discharge of Board’s liabilities

        1. 169.Discharge of liabilities in respect of compensation

        2. 170.Discharge of liabilities in respect of money purchase benefits

      15. Equal treatment

        1. 171.Equal treatment

      16. Relationship with fraud compensation regime

        1. 172.Relationship with fraud compensation regime

      17. The fund

        1. 173.Pension Protection Fund

      18. The levies

        1. 174.Initial levy

        2. 175.Pension protection levies

        3. 176.Supplementary provisions about pension protection levies

        4. 177.Amounts to be raised by the pension protection levies

        5. 178.The levy ceiling

        6. 179.Valuations to determine scheme underfunding

        7. 180.Pension protection levies during the transitional period

        8. 181.Calculation, collection and recovery of levies

    4. Chapter 4 Fraud compensation

      1. Entitlement to fraud compensation

        1. 182.Cases where fraud compensation payments can be made

        2. 183.Board’s duties in respect of certain applications under section 182

        3. 184.Recovery of value

        4. 185.Fraud compensation payments

        5. 186.Interim payments

        6. 187.Board’s powers to make fraud compensation transfer payments

      2. The fund

        1. 188.Fraud Compensation Fund

      3. The levy

        1. 189.Fraud compensation levy

    5. Chapter 5 Gathering information

      1. 190.Information to be provided to the Board etc

      2. 191.Notices requiring provision of information

      3. 192.Entry of premises

      4. 193.Penalties relating to sections 191 and 192

      5. 194.Warrants

      6. Provision of false or misleading information

        1. 195.Offence of providing false or misleading information to the Board

      7. Use of information

        1. 196.Use of information

      8. Disclosure of information

        1. 197.Restricted information

        2. 198.Disclosure for facilitating exercise of functions by the Board

        3. 199.Disclosure for facilitating exercise of functions by the Regulator

        4. 200.Disclosure for facilitating exercise of functions by other supervisory authorities

        5. 201.Other permitted disclosures

        6. 202.Tax information

      9. Provision of information to members of schemes etc

        1. 203.Provision of informationto members of schemes etc

      10. Interpretation

        1. 204.Sections 190 to 203: interpretation

      11. Reports

        1. 205.Publishing reports etc

    6. Chapter 6 Reviews, appeals and maladministration

      1. Review etc by the Board

        1. 206.Meaning of “reviewable matters”

        2. 207.Review and reconsideration by the Board of reviewable matters

        3. 208.Investigation by the Board of complaints of maladministration

      2. The PPF Ombudsman

        1. 209.The Ombudsman for the Board of the Pension Protection Fund

        2. 210.Deputy PPF Ombudsmen

        3. 211.Status etc of the PPF Ombudsman and deputies

        4. 212.Annual reports to Secretary of State

        5. 212A.Accounts and audit

      3. References to the PPF Ombudsman

        1. 213.Reference of reviewable matter to the PPF Ombudsman

        2. 214.Investigation by PPF Ombudsman of complaints of maladministration

        3. 215.Referral of questions of law

        4. 216.Publishing reports etc

        5. 217.Determinations of the PPF Ombudsman

        6. 218.Obstruction etc of the PPF Ombudsman

    7. Chapter 7 Miscellaneous

      1. Backdating the winding up of eligible schemes

        1. 219.Backdating the winding up of eligible schemes

      2. Pension sharing

        1. 220.Pension sharing

  4. Part 3 Scheme funding

    1. Introductory

      1. 221.Pension schemes to which this Part applies

    2. Scheme funding

      1. 222.The statutory funding objective

      2. 223.Statement of funding principles

      3. 224.Actuarial valuations and reports

      4. 225.Certification of technical provisions

      5. 226.Recovery plan

      6. 227.Schedule of contributions

      7. 228.Failure to make payments

      8. 229.Matters requiring agreement of the employer

      9. 230.Matters on which advice of actuary must be obtained

      10. 231.Powers of the Regulator

      11. 231A.Requirements for winding up procedure

    3. Supplementary provisions

      1. 232.Power to modify provisions of this Part

      2. 233.Construction as one with the Pensions Act 1995

  5. Part 4 Financial planning for retirement

    1. Retirement planning

      1. 234.Promoting and facilitating financial planning for retirement

      2. 235.Supply of information for purposes of section 234

      3. 236.Use and supply of information: private pensions policy and retirement planning

      4. 237.Combined pension forecasts

    2. Employee information and advice

      1. 238.Information and advice to employees

  6. Part 5 Occupational and personal pension schemes: miscellaneous provisions

    1. Categories of pension scheme

      1. 239.Categories of pension scheme

      2. 240.Meaning of “employer” in Part 1 of the Pensions Act 1995

    2. Requirements for member-nominated trustees and directors

      1. 241.Requirement for member-nominated trustees

      2. 242.Requirement for member-nominated directors of corporate trustees

      3. 243.Member-nominated trustees and directors: supplementary

    3. Obligations of trustees of occupational pension schemes

      1. 244.Investment principles

      2. 245.Power to make regulations governing investment by trustees

      3. 246.Borrowing by trustees

      4. 247.Requirement for knowledge and understanding: individual trustees

      5. 248.Requirement for knowledge and understanding: corporate trustees

      6. 249.Requirement for knowledge and understanding: supplementary

      7. 249A.Requirement for internal controls

    4. Payment of surplus to employer

      1. 250.Payment of surplus to employer

      2. 251.Payment of surplus to employer: transitional power to amend scheme

    5. Restrictions on payment into occupational pension schemes

      1. 252.UK-based scheme to be trust with effective rules

      2. 253.Non-European scheme to be trust with UK-resident trustee

      3. 254.Representative of non-European scheme to be treated as trustee

    6. Activities of occupational pension schemes

      1. 255.Activities of occupational pension schemes

    7. No indemnification for fines or civil penalties

      1. 256.No indemnification for fines or civil penalties

    8. Pension protection on transfer of employment

      1. 257.Conditions for pension protection

      2. 258.Form of protection

    9. Consultation by employers

      1. 259.Consultation by employers: occupational pension schemes

      2. 260.Consultation by employers: personal pension schemes

      3. 261.Further provisions about regulations relating to consultation

    10. Modification of pension rights

      1. 262.Modification of subsisting rights

    11. Short service benefit

      1. 263.Increase in age at which short service benefit must be payable

    12. Early leavers

      1. 264.Early leavers: cash transfer sums and contribution refunds

    13. Safeguarding pension rights

      1. 265.Paternity leave and adoption leave

      2. 266.Inalienability of occupational pension

    14. Voluntary contributions

      1. 267.Voluntary contributions

    15. Payments by employers

      1. 268.Payments made by employers to personal pension schemes

      2. 269.Payments made by employers and members to occupational pension schemes

    16. Winding up

      1. 270.Winding up

    17. Deficiency in assets of certain occupational pension schemes

      1. 271.Debt due from the employer when assets insufficient

      2. 272.Debt due from the employer in the case of multi-employer schemes

    18. Pension disputes

      1. 273.Resolution of disputes

    19. The Pensions Ombudsman

      1. 274.The Pensions Ombudsman and Deputy Pensions Ombudsmen

      2. 275.Jurisdiction

      3. 276.Investigations

    20. Pension compensation

      1. 277.Amendments relating to the Pensions Compensation Board

    21. Annual increases in rate of pensions

      1. 278.Annual increase in rate of certain occupational pensions

      2. 279.Annual increase in rate of certain personal pensions

      3. 280.Power to increase pensions giving effect to pension credits etc

    22. Revaluation

      1. 281.Exemption from statutory revaluation requirement

    23. Contracting out

      1. 282.Meaning of “working life” in Pension Schemes Act 1993

      2. 283.Power to prescribe conditions by reference to Inland Revenue approval

      3. 284.Restrictions on commutation and age at which benefits may be received

    24. Stakeholder pensions

      1. 285.Meaning of “stakeholder pension scheme”

  7. Part 6 Financial assistance scheme for members of certain pension schemes

    1. 286.Financial assistance scheme for members of certain pension schemes

    2. 286A.Restriction on purchase of annuities

  8. Part 7 Cross-border activities within European Union

    1. UK occupational pension scheme receiving contributions from European employer

      1. 287.Occupational pension scheme receiving contributions from European employer

      2. 288.General authorisation to accept contributions from European employers

      3. 289.Approval in relation to particular European employer

      4. 290.Notification of legal requirements of host member State outside United Kingdom

      5. 291.Duty of trustees or managers to act consistently with law of host member State

      6. 292.Power of Regulator to require ring-fencing of assets

    2. European occupational pension scheme receiving contributions from UK employer

      1. 293.Functions of Regulator in relation to institutions administered in other member States

    3. Assistance for other European regulators

      1. 294.Stopping disposal of assets of institutions administered in other member States

    4. Interpretation

      1. 295.Interpretation of Part

  9. Part 8 State pensions

    1. Entitlement to more than one pension

      1. 296.Persons entitled to more than one Category B retirement pension

    2. Deferral of state pension

      1. 297.Deferral of retirement pensions and shared additional pensions

    3. Miscellaneous

      1. 298.Disclosure of state pension information

      2. 299.Claims for certain benefits following termination of reciprocal agreement with Australia

  10. Part 9 Miscellaneous and supplementary

    1. Dissolution of existing bodies

      1. 300.Dissolution of OPRA

      2. 301.Transfer of employees from OPRA to the Regulator

      3. 302.Dissolution of the Pensions Compensation Board

    2. Service of notifications etc and electronic working

      1. 303.Service of notifications and other documents

      2. 304.Notification and documents in electronic form

      3. 305.Timing and location of things done electronically

    3. General

      1. 306.Overriding requirements

      2. 307.Modification of this Act in relation to certain categories of schemes

      3. 308.Modification of pensions legislation that refers to employers

      4. 309.Offences by bodies corporate and partnerships

      5. 310.Admissibility of statements

      6. 311.Protected items

      7. 312.Liens

      8. 313.Crown application

    4. Regulations and orders

      1. 314.Breach of regulations

      2. 315.Subordinate legislation (general provisions)

      3. 316.Parliamentary control of subordinate legislation

      4. 317.Consultations about regulations

    5. Interpretation

      1. 318.General interpretation

    6. Miscellaneous and supplementary

      1. 319.Minor and consequential amendments

      2. 320.Repeals and revocations

      3. 321.Pre-consolidation amendments

      4. 322.Commencement

      5. 323.Extent

      6. 324.Northern Ireland

      7. 325.Short title

  11. SCHEDULES

    1. SCHEDULE 1

      The Pensions Regulator

      1. Part 1 Members of the Regulator

        1. Terms of appointment and tenure of members

          1. 1.(1) The members of the Regulator appointed by the Secretary...

          2. 2.Where a person ceases to be employed as Chief Executive,...

          3. 3.No person is to be prevented from being a member...

        2. Remuneration etc of members

          1. 4.The Regulator may pay, or make provision for paying, its...

          2. 5.The Regulator may— (a) pay to or in respect of...

          3. 6.Where— (a) a non-executive member ceases to be a member...

      2. Part 2 Staff of the Regulator

        1. The staff

          1. 7.(1) The staff of the Regulator consists of—

        2. The Chief Executive

          1. 8.(1) The Regulator is to employ a person as its...

        3. Other employees

          1. 9.(1) Other employees of the Regulator may be appointed by...

        4. Additional staff etc

          1. 10.(1) The Secretary of State may make available to the...

      3. Part 3 Members of the Determinations Panel

        1. Nomination of the chairman of the Panel

          1. 11.(1) On each occasion when the Regulator is required to...

        2. Terms of appointment and tenure of members of the Panel

          1. 12.(1) The members of the Determinations Panel are to be...

          2. 13.No person is to be prevented from being a member...

        3. Remuneration etc of members of the Panel

          1. 14.The Regulator may pay, or make provision for paying, the...

          2. 15.The Regulator may— (a) pay to or in respect of...

          3. 16.Where— (a) a member of the Panel ceases to be...

      4. Part 4 Proceedings and delegation etc

        1. Committees

          1. 17.(1) The Regulator may establish committees for any purpose.

        2. Procedure

          1. 18.(1) The Regulator may determine— (a) its own procedure (including...

          2. 19.(1) The Secretary of State may make regulations—

        3. Delegation

          1. 20.(1) The Regulator may authorise— (a) any executive member of...

          2. 21.(1) The Secretary of State may make regulations—

        4. Application of seal and proof of instruments

          1. 22.(1) The fixing of the common seal of the Regulator...

          2. 23.A document purporting to be duly executed under the seal...

      5. Part 5 Funding and accounts

        1. Funding

          1. 24.The Secretary of State may pay the Regulator out of...

          2. 25.(1) The Secretary of State may make regulations authorising the...

          3. 26.(1) Section 175 of the Pension Schemes Act 1993 (c....

        2. Accounts

          1. 27.(1) The Regulator must— (a) keep proper accounts and proper...

        3. Other expenses

          1. 28.(1) The Regulator may— (a) pay, or make provision for...

      6. Part 6 Status and liability etc

        1. Status

          1. 29.(1) The Regulator is not to be regarded—

        2. Validity

          1. 30.The validity of any proceedings of the Regulator (including any...

        3. Disqualification

          1. 31.Schedule 1 to the House of Commons Disqualification Act 1975...

          2. 32.Schedule 1 to the Northern Ireland Assembly Disqualification Act 1975...

        4. The Parliamentary Commissioner for Administration

          1. 33.In Schedule 2 to the Parliamentary Commissioner Act 1967 (c....

        5. The Superannuation Act 1972

          1. 34.(1) The persons to whom section 1 of the Superannuation...

        6. Exemption from liability in damages

          1. 35.(1) Neither the Regulator nor any person who is a...

    2. SCHEDULE 2

      The reserved regulatory functions

      1. Part 1 Functions under the Pension Schemes Act 1993 (c. 48)

        1. 1.The power by direction under section 99(4) to grant an...

        2. 2.The power by direction under section 101J(2) to extend the...

        3. 3.The power under regulations made by virtue of section 168(4)...

        4. 3A.A power under section 24H (compliance with conditions of conversion...

      2. Part 2 Functions under the Pensions Act 1995 (c. 26)

        1. 4.The power to make an order under section 3(1) prohibiting...

        2. 5.The power to make an order under section 3(3) revoking...

        3. 6.The power to make an order under section 4(1) suspending...

        4. 7.The power to make an order under section 4(2) extending...

        5. 8.The power to make an order under section 4(5) revoking...

        6. 9.The power to make an order appointing a trustee under...

        7. 10.The power under section 9 to exercise by order the...

        8. 11.The power to require a person to pay a penalty...

        9. 12.The power to make an order under section 11 directing...

        10. 13.The power to give directions to trustees under section 15....

        11. 13A.The duty under section 23(4), and regulations made thereunder, to...

        12. 14.The power under section 29(5) to give a notice waiving...

        13. 15.The power under section 30(2) to exercise by order the...

        14. 15A.The power under section 58(7) to extend or further extend...

        15. 15B.The power under section 60(7) to extend or further extend...

        16. 16.The power to make an order under section 67G(2) by...

        17. 17.The power to make an order under section 67H(2) prohibiting,...

        18. 18.The power to make an order under section 69 authorising...

        19. 19.The power to make an order under section 71A modifying...

      3. Part 3 Functions under the Welfare Reform and Pensions Act 1999 (c. 30)

        1. 20.The power by direction under section 2(3)(b) to remove a...

      4. Part 4 Functions under this Act

        1. 21.The power to make or extend a restraining order under...

        2. 22.The power to make an order under section 20(10) permitting...

        3. 23.The power to make a repatriation order under section 21....

        4. 24.The power to make a freezing order under section 23....

        5. 25.The power to make an order under section 25(3) extending...

        6. 26.The power to make an order under section 26 validating...

        7. 27.The power to make an order under section 28 directing...

        8. 28.The power to make an order under section 30 giving...

        9. 29.The power to make an order under section 31(3) directing...

        10. 30.The power to issue a contribution notice under section 38....

        11. 30A.The power to issue a direction under section 39A(6) to...

        12. 31.The power to issue a direction under section 41(4) to...

        13. 32.The power to issue a revised contribution notice under section...

        14. 33.The power to issue a financial support direction under section...

        15. 33A.The power to issue a direction under section 43A(3) to...

        16. 34.The power to issue a contribution notice under section 47....

        17. 35.The power to issue a direction under section 50(4) to...

        18. 36.The power to issue a revised contribution notice under section...

        19. 37.The power to make a restoration order under section 52....

        20. 38.The power to issue a contribution notice under section 55....

        21. 39.The power to issue a notice under section 71 requiring...

        22. 40.The power to make a direction under section 76(8) extending...

        23. 41.The power to make a direction under section 78(10) extending...

        24. 42.The power to make an order under section 231 modifying...

        25. 43.The power to issue a ring-fencing notice under section 292....

        26. 44.The power to vary or revoke under section 101—

      5. PART 5 OTHER FUNCTIONS

        1. 45.The power to make an order under regulation 19 of...

    3. SCHEDULE 3

      Restricted information held by the Regulator: certain permitted disclosures to facilitate exercise of functions

    4. SCHEDULE 4

      The Pensions Regulator Tribunal

      1. Part 1 The Tribunal

        1. The Panels

          1. 1.(1) The Lord Chancellor must appoint a panel of persons...

        2. The President

          1. 2.(1) The Lord Chancellor must appoint one of the members...

        3. Terms of office etc

          1. 3.(1) Subject to the provisions of this Schedule, each member...

        4. Remuneration and allowances

          1. 4.The Lord Chancellor may pay, or make provision for paying,...

        5. Staff

          1. 5.(1) The Lord Chancellor may appoint such staff for the...

        6. Expenses

          1. 6.The Lord Chancellor may pay, out of money provided by...

      2. Part 2 Constitution of the Tribunal

        1. 7.(1) On a reference to the Tribunal, the persons to...

      3. Part 3 Tribunal Procedure

        1. General

          1. 8.(1) For the purpose of dealing with references, or any...

          2. 9.Rules made by the Lord Chancellor under section 102 may,...

        2. Practice directions

          1. 10.The President may give directions as to the practice and...

        3. Evidence

          1. 11.(1) The Tribunal may by summons require any person to...

        4. Decisions of the Tribunal

          1. 12.(1) A decision of the Tribunal may be taken by...

        5. Costs

          1. 13.(1) If the Tribunal considers that a party to any...

      4. Part 4 Status etc

        1. Disqualification

          1. 14.In Part 3 of Schedule 1 to the House of...

          2. 15.In Part 3 of Schedule 1 to the Northern Ireland...

        2. The Parliamentary Commissioner for Administration

          1. 16.In Schedule 4 to the Parliamentary Commissioner Act 1967 (c....

        3. Judicial Pensions and Retirement Act 1993

          1. 17.(1) The Judicial Pensions and Retirement Act 1993 (c. 8)...

        4. Disclosure of information

          1. 18.In section 449(1) of the Companies Act 1985 (c. 6)...

          2. 19.In Schedule 15D to that Act (permitted disclosures of information)...

          3. 20.In section 87(2) of the Companies Act 1989 (c. 40)...

          4. 21.In section 50(2) of the Courts and Legal Services Act...

        5. Delegation

          1. 22.(1) The Lord Chief Justice of England and Wales may...

    5. SCHEDULE 5

      The Board of the Pension Protection Fund

      1. Part 1 Members of the Board

        1. Appointment of chairman

          1. 1.The chairman of the Board is to be appointed by...

        2. Appointment of ordinary members

          1. 2.(1) The appointments of the first five ordinary members are...

        3. Terms of appointment

          1. 3.(1) The chairman and the ordinary members appointed by the...

        4. Tenure of members

          1. 4.(1) Subject to the following provisions, the chairman and any...

          2. 5.Where a person ceases to be employed as Chief Executive,...

          3. 6.No person is to be prevented from being a member...

        5. Remuneration etc of members

          1. 7.The Board may pay, or make provision for paying, its...

          2. 8.The Board may— (a) pay to or in respect of...

          3. 9.Where— (a) a non-executive member ceases to be a member...

        6. Interpretation of Part 1

          1. 10.In this Part “ordinary member” has the same meaning as...

      2. Part 2 Staff of the Board

        1. The staff

          1. 11.(1) The staff of the Board consists of—

        2. The Chief Executive

          1. 12.(1) The Board is to employ a person as its...

        3. Other employees

          1. 13.(1) Other employees of the Board may be appointed by...

        4. Additional staff etc

          1. 14.(1) The Secretary of State may make available to the...

      3. Part 3 Proceedings and delegation etc

        1. Committees

          1. 15.(1) The Board may establish committees for any purpose.

        2. Procedure

          1. 16.The Board may determine— (a) its own procedure (including quorum),...

        3. Delegation

          1. 17.(1) The Board may authorise— (a) any executive member of...

          2. 18.(1) The Board may make arrangements for any of its...

          3. 19.(1) Where the Board makes arrangements under paragraph 18(1) for...

        4. Application of seal and proof of instruments

          1. 20.(1) The fixing of the common seal of the Board...

          2. 21.A document purporting to be duly executed under the seal...

      4. Part 4 Accounts

        1. Accounts

          1. 22.(1) The Board must— (a) keep proper accounts and proper...

        2. Other expenses

          1. 23.The Board may— (a) pay, or make provision for paying,...

      5. Part 5 Status and liability etc

        1. Status

          1. 24.(1) The Board is not to be regarded—

        2. Validity

          1. 25.The validity of any proceedings of the Board (including any...

        3. Disqualification

          1. 26.In Schedule 1 to the House of Commons Disqualification Act...

          2. 27.In Schedule 1 to the Northern Ireland Assembly Disqualification Act...

        4. The Superannuation Act 1972

          1. 28.(1) The persons to whom section 1 of the Superannuation...

        5. Exemption from liability in damages

          1. 29.(1) Neither the Board nor any person who is a...

    6. SCHEDULE 6

      Transfer of property, rights and liabilities to the Board

      1. 1.This Schedule applies where the property, rights and liabilities of...

      2. 2.(1) Subject to sub-paragraph (2), the property, rights and liabilities...

      3. 3.(1) Without prejudice to the generality of section 161 and...

      4. 4.The transfer is binding on all persons, even if, apart...

      5. 5.No person shall have any power, in consequence of the...

      6. 6.Any reference in any agreement, document or instrument of any...

      7. 7.(1) The Board must take all such steps as may...

    7. SCHEDULE 7

      Pension compensation provisions

      1. Introductory

        1. 1.This Schedule applies for the purposes of determining the compensation...

        2. 2.In this Schedule references to “the assessment date” are to...

      2. Pensions in payment at assessment date

        1. 3.(1) Compensation is payable in accordance with this paragraph where,...

        2. 4.(1) This paragraph applies where— (a) the pensioner dies on...

      3. Pension benefits postponed at assessment date

        1. 5.(1) Compensation is payable in accordance with this paragraph where...

        2. 6.(1) This paragraph applies where the postponed pensioner—

        3. 7.(1) Compensation is payable in accordance with this paragraph where...

      4. Active members over normal pension age at assessment date

        1. 8.(1) Compensation is payable in accordance with this paragraph where...

        2. 9.(1) This paragraph applies where the active member dies on...

        3. 10.(1) Compensation is payable in accordance with this paragraph where...

      5. Active members who have not attained normal pension age at assessment date

        1. 11.(1) Compensation is payable in accordance with this paragraph where...

        2. 12.(1) This paragraph applies for the purposes of paragraph 11(4)(b)....

        3. 13.(1) This paragraph applies where the active member dies on...

        4. 14.(1) Compensation is payable in accordance with this paragraph where...

      6. Deferred members who have not attained normal pension age at assessment date

        1. 15.(1) Compensation is payable in accordance with this paragraph where,...

        2. 16.(1) This paragraph applies for the purposes of paragraph 15(4)(b)....

        3. 17.(1) This paragraph applies for the purposes of paragraph 15(4)(c)....

        4. 18.(1) This paragraph applies where— (a) the deferred member dies...

        5. 19.(1) Compensation is payable in accordance with this paragraph where,...

      7. Compensation in respect of scheme right to transfer payment or contribution refund

        1. 20.(1) Compensation is payable in accordance with this paragraph where—...

      8. Pension credit members who have not attained normal benefit age at assessment date

        1. 21.(1) Paragraphs 15, 18 and 19 apply in relation to...

      9. Survivors who do not meet conditions for scheme benefits at assessment date

        1. 22.(1) Compensation is payable in accordance with this paragraph where—...

      10. Compensation in form of dependants' benefits

        1. 23.(1) Regulations may provide for compensation to be payable, in...

      11. Effect of discharge of liability during or immediately before assessment period

        1. 23A.(1) This paragraph applies if— (a) at any time during...

      12. Commutation of periodic compensation

        1. 24.(1) In prescribed circumstances, a person entitled to periodic compensation...

      13. Early payment of compensation

        1. 25.(1) Regulations may prescribe circumstances in which, and conditions subject...

      14. Compensation cap

        1. 26.(1) Where— (a) a person becomes entitled to relevant compensation...

      15. Increasing the compensation cap in line with earnings

        1. 27.(1) This paragraph applies where, on a review under subsection...

      16. Annual increase in periodic compensation

        1. 28.(1) This paragraph provides for the increases mentioned in sub-paragraph...

      17. Board’s powers to alter rates of revaluation and indexation

        1. 29.(1) The Board may determine the percentage that is to...

      18. Secretary of State’s powers to vary percentage paid as compensation

        1. 30.(1) The Secretary of State may, on the recommendation of...

      19. Special provision in relation to certain pensions in payment before the assessment date

        1. 31.(1) The powers conferred by this paragraph are exercisable in...

      20. Short periods of service which terminate on commencement of assessment period

        1. 32.(1) This paragraph applies to a member of the scheme...

      21. Power to modify Schedule in its application to certain schemes

        1. 33.Where the scheme is a prescribed scheme or a scheme...

      22. Normal pension age

        1. 34.(1) In this Schedule “normal pension age”, in relation to...

      23. Scheme rules, admissible rules etc

        1. 35.(1) In this Schedule, in relation to the scheme, the...

      24. Accrual rate, pensionable service and pensionable earnings

        1. 36.(1) In this Schedule, in relation to a member’s entitlement...

      25. Other definitions

        1. 37.(1) In this Schedule— “deferred member”, in relation to the...

    8. SCHEDULE 8

      Restricted information held by the Board: certain permitted disclosures to facilitate exercise of functions

    9. SCHEDULE 9

      Reviewable matters

      1. 1.The issue of a determination notice under section 123 approving...

      2. 2.The failure to issue a determination notice under section 123....

      3. 3.The issue of, or failure to issue, a notice under...

      4. 3A.The issue of, or failure to issue, a validation notice...

      5. 3B.The provision of information by the Board under—

      6. 4.The issue of, or failure to issue—

      7. 5.Any direction given under subsection (2) of section 134 (directions...

      8. 6.The issue of a notice under section 136(2) (power to...

      9. 7.The making of a loan under section 139(2) (loans to...

      10. 7A.Any determination by the Board under section 141(2) (determination on...

      11. 8.The failure by the Board to obtain an actuarial valuation...

      12. 9.The approval of, or failure to approve, a valuation in...

      13. 10.The issue of, or failure to issue, a withdrawal notice...

      14. 11.The issue of, or failure to issue, a withdrawal notice...

      15. 12.The issue of, or failure to issue, a determination notice...

      16. 13.The issue of, or failure to issue, a determination notice...

      17. 14.Any direction given under section 154(7) (directions about winding up...

      18. 15.The failure by the Board to give a transfer notice...

      19. 16.Any determination by the Board of a person’s entitlement to...

      20. 16A.Any step taken by the Board under section 163(4)(a) (adjustments...

      21. 16B.Any determination by the Board , or the failure to...

      22. 17.Any failure by the Board to make a payment required...

      23. 17A.The making of a payment under section 166(2) (amount of...

      24. 17B.Any determination made by the Board under regulation 16(2) or...

      25. 18.Any determination by the Board under section 181(3)(a) (the eligible...

      26. 19.The amount of the initial levy or any pension protection...

      27. 19A.Any determination by the Board of an application for the...

      28. 20.The making of a fraud compensation payment under section 182(1),...

      29. 21.The issue of, or failure to issue, a notice under...

      30. 22.Any settlement date determined by the Board under section 184(2)...

      31. 23.Any determination by the Board under section 184(4) (recovery of...

      32. 24.The making of a payment under section 186(1) (interim payments),...

      33. 25.Any term or condition imposed by the Board—

      34. 26.Any determination by the Board under section 186(3)(b) (interim payments)...

      35. 27.Any date determined by the Board under section 187(4) (earliest...

      36. 28.Any determination by the Board under section 187(6) (fraud compensation...

      37. 29.Any determination by the Board under section 189(7)(a) (occupational pension...

      38. 30.The amount of any fraud compensation levy payable in respect...

    10. SCHEDULE 10

      Use and supply of information: private pensions policy and retirement planning

      1. Use of information held by Secretary of State etc

        1. 1.(1) Section 3 of the Social Security Act 1998 (c....

      2. Supply of information held by tax authorities

        1. 2.(1) This paragraph applies to information which is held—

      3. Supply of housing benefit and council tax benefit information

        1. 3.(1) Section 122D of the Social Security Administration Act 1992...

      4. Supply of information held by the Regulator

        1. 4.(1) This paragraph applies to information which is held—

    11. SCHEDULE 11

      Deferral of retirement pensions and shared additional pensions

      1. Part 1 Principal amendments of Social Security Contributions and Benefits Act 1992 (c. 4)

        1. 1.In this Part of this Schedule “the principal Act” means...

        2. 2.Schedule 5 to the principal Act (increase of pension where...

        3. 3.For the heading, substitute “ PENSION INCREASE OR LUMP SUM...

        4. 4.Before paragraph 1 insert— Choice between increase of pension and...

        5. 5.For paragraph 1 (increase of pension where pensioner’s entitlement is...

        6. 6.(1) In paragraph 2 (calculation of increment), in sub-paragraph (5)(b),...

        7. 7.After paragraph 2 insert— (1) This paragraph applies where— (a) a person’s entitlement to...

        8. 8.(1) After paragraph 3 insert— Lump sum where pensioner’s entitlement...

        9. 9.After paragraph 3B (inserted by paragraph 8 of this Schedule)...

        10. 10.(1) Paragraph 4 (increase of pension where pensioner’s deceased spouse...

        11. 11.(1) After paragraph 7 insert— Entitlement to lump sum where...

        12. 12.After paragraph 7B (inserted by paragraph 11 of this Schedule)...

        13. 13.For the heading immediately preceding paragraph 8 substitute “Married couples”....

        14. 14.In paragraph 8 (married couples)— (a) in sub-paragraph (3) for...

        15. 15.After Schedule 5 to the principal Act insert— SCHEDULE 5A...

      2. Part 2 Consequential amendments

        1. Social Security Contributions and Benefits Act 1992 (c. 4)

          1. 16.The Social Security Contributions and Benefits Act 1992 is amended...

          2. 17.In section 62(1) (graduated retirement benefit)— (a) in paragraph (a),...

          3. 18.In section 122(1) (interpretation of Parts 1 to 6)—

          4. 19.In section 176 (parliamentary control of subordinate legislation) in subsection...

        2. Social Security Administration Act 1992 (c. 5)

          1. 20.The Social Security Administration Act 1992 is amended as follows....

          2. 21.In section 150 (annual up-rating of benefits)—

          3. 22.In section 151 (up-rating—supplementary) in subsection (2)—

        3. Welfare Reform and Pensions Act 1999 (c. 30)

          1. 23.The Welfare Reform and Pensions Act 1999 is amended as...

          2. 24.In section 50, omit subsection (2) (which amends provisions relating...

          3. 25.In section 52(2) (power to make regulations preserving rights in...

      3. Part 3 Transitional provisions

        1. Widowers' and surviving civil partners' entitlement to increase of pension or widowed person’s or surviving civil partner's lump sum

          1. 26.In the case of a widower or surviving civil partner...

        2. Transitional provision

          1. 27.(1) The Secretary of State may by regulations make such...

    12. SCHEDULE 12

      Minor and consequential amendments

      1. Public Records Act 1958 (c. 51)

        1. 1.In Schedule 1 to the Public Records Act 1958 (definition...

      2. Superannuation Act 1972 (c. 11)

        1. 2.(1) Schedule 1 to the Superannuation Act 1972 (kinds of...

      3. Matrimonial Causes Act 1973 (c. 18)

        1. 3.After section 25D of the Matrimonial Causes Act 1973 (pensions:...

      4. Matrimonial and Family Proceedings Act 1984 (c. 42)

        1. 4.(1) The Matrimonial and Family Proceedings Act 1984 is amended...

      5. Companies Act 1985 (c. 6)

        1. 5.(1) The Companies Act 1985 is amended as follows.

      6. Companies Act 1989 (c. 40)

        1. 6.In section 87 of the Companies Act 1989 (exception from...

      7. Social Security Administration Act 1992 (c. 5)

        1. 7.In section 122AA of the Social Security Administration Act 1992...

      8. Tribunals and Inquiries Act 1992 (c. 53)

        1. 8.(1) The Tribunals and Inquiries Act 1992 is amended as...

      9. Pension Schemes Act 1993 (c. 48)

        1. 9.The Pension Schemes Act 1993 is amended as follows.

        2. 10.In section 53 (supervision: former contracted-out schemes), after subsection (1B)...

        3. 11.(1) Section 56 (provision supplementary to provision relating to payment...

        4. 12.In section 61 (deduction of contributions equivalent premium from refund...

        5. 13.(1) Section 94 (right to cash equivalent) is amended as...

        6. 14.In section 99 (trustees' duties after exercise of option)—

        7. 15.In section 101J (time for compliance with transfer notice)—

        8. 16.In section 111A (monitoring of employers' payments to personal pension...

        9. 17.In section 113 (disclosure of information about schemes to members...

        10. 18.After that section insert— Disclosure of information about transfers etc...

        11. 19.In section 123 (interpretation of Chapter 2 of Part 7)...

        12. 20.In section 124 (duty of Secretary of State to pay...

        13. 21.In section 129(1) (overriding requirements),— (a) for “and IV” substitute...

        14. 22.In section 130(b) (extra-statutory benefits), for “or IV” substitute “...

        15. 23.In section 145 (the Pensions Ombudsman), after subsection (1) insert—...

        16. 24.In section 146 (functions of the Pensions Ombudsman)—

        17. 25.In section 149 (procedure on investigation by Pensions Ombudsman), in...

        18. 26.(1) Section 158A (other disclosures by the Secretary of State)...

        19. 27.In section 168(4) (penalties for contravention of regulations) after “the...

        20. 28.In section 175 (levies)— (a) for subsection (8) substitute—

        21. 29.In section 178 (power to make regulations as to the...

        22. 30.(1) Section 179 (linked qualifying service) is amended as follows....

        23. 31.In section 181(1) (general interpretation), in the definition of “transfer...

        24. 32.In section 183(3) (sub-delegation), after “97(1)” insert “ , 101AF(1)...

        25. 33.In section 192(2) (provisions extending to Northern Ireland)—

      10. Pensions Act 1995 (c. 26)

        1. 34.The Pensions Act 1995 is amended as follows.

        2. 35.In section 4 (suspension orders), in subsections (3) and (5)...

        3. 36.In section 7 (appointment of trustees)— (a) in subsection (1)...

        4. 37.In section 9 (removal and appointment of trustees: property), after...

        5. 38.In section 10 (civil penalties), in subsection (5)(a) omit “as...

        6. 39.In section 15(4) (failure to comply with Authority’s direction) for...

        7. 40.In section 22 (circumstances in which independent trustee provisions apply),...

        8. 41.In section 25 (appointment and powers of independent trustees: further...

        9. 42.In section 26 (insolvency practitioner or official receiver to give...

        10. 43.Sections 26A to 26C are hereby repealed.

        11. 44.In section 28 (consequences of prohibition on trustee being auditor...

        12. 45.In section 29 (persons disqualified for being trustees), in subsection...

        13. 46.In section 30 (persons disqualified: consequences)— (a) in subsection (2),...

        14. 47.Omit section 30A (accessibility of register of disqualified trustees).

        15. 48.In section 32 (decisions of trustees by a majority)—

        16. 49.In section 34 (powers of investment and delegation) in subsection...

        17. 50.(1) Section 38 (power to defer winding up) is amended...

        18. 51.In section 40 (restriction on employer-related investments), in subsection (4)...

        19. 52.In section 41 (provision of documents for members)—

        20. 53.In section 47 (professional advisers), in subsections (3), (8) and...

        21. 54.In section 49 (other responsibilities of trustees, employers, etc)—

        22. 55.In section 49A (record of winding up decisions) omit subsection...

        23. 56.In section 68 (power of trustees to modify schemes by...

        24. 57.In section 69 (grounds for applying for modifications)—

        25. 58.In section 71A(4)(d) (power to make provision in relation to...

        26. 59.In section 72A (reports to Authority about winding up) omit...

        27. 60.In section 72C (duty to comply with directions for facilitating...

        28. 61.In section 73 (preferential liabilities on winding up) in subsection...

        29. 62.In section 76 (excess assets on winding up)—

        30. 63.In section 77 (excess assets remaining after winding up: power...

        31. 64.In section 87 (schedules of payment to money purchase schemes)...

        32. 65.In section 88 (provision supplementary to section 87) omit subsection...

        33. 66.In section 89 (application of further provisions to money purchase...

        34. 67.In section 118 (powers to modify Part 1 of the...

        35. 68.In section 119 (calculations etc under regulations: sub-delegation), for “73(3)”...

        36. 69.(1) Section 124 (interpretation of Part 1) is amended as...

      11. Bank of England Act 1998 (c. 11)

        1. 70.In Schedule 7 to the Bank of England Act 1998...

      12. Welfare Reform and Pensions Act 1999 (c. 30)

        1. 71.The Welfare Reform and Pensions Act 1999 is amended as...

        2. 72.In section 1 (stakeholder pension schemes), in subsection (6), after...

        3. 73.In section 2 (registration of stakeholder pension schemes)—

        4. 74.In section 8(2)(a) (providing for stakeholder pension schemes to be...

        5. 75.In section 38 (treatment in winding up)—

        6. 76.(1) Paragraph 1 of Schedule 1 (application of enactments relating...

        7. 77.(1) Schedule 5 (pension credits: mode of discharge) is amended...

      13. Terrorism Act 2000 (c. 11)

        1. 78.In Schedule 3A to the Terrorism Act 2000 (regulated sector...

      14. Freedom of Information Act 2000 (c. 36)

        1. 79.In Schedule 1 to the Freedom of Information Act 2000...

      15. Proceeds of Crime Act 2002 (c. 29)

        1. 80.In Schedule 9 to the Proceeds of Crime Act 2002...

    13. SCHEDULE 13

      Repeals and revocations

      1. Part 1 Repeals

      2. Part 2 Revocations

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