Law reform: proposed new disclosure regulations for pension schemes

Perhaps the poorest of the poor relations in the litany of obligations on trustees and other pension providers is the regulation of the provision of information. The Occupational Pension Schemes (Disclosure of Information) Regulations 1996 (1996/1655) are often the most forgotten of the rules of occupational pension schemes, and the Personal Pension Schemes (Disclosure of Information) Regulations 1987 (1987/1110) tend to be known only to those people at personal pension providers to whom they are immediately relevant. Very few people remember the existence of the relevant provisions of the Stakeholder Pension Scheme Regulations 2000 (2000/1403), as amended, at all.

It is therefore surely a good thing for the Department for Work and Pensions (DWP) to have produced draft Occupational and Personal Pension Schemes (Disclosure of Information) Regulations 2013, in February 2013, for a short consultation with a view to bringing them into force in October. The consultation tackled the fact that there were three different sets of regulations dictating the information to be provided to members of pension schemes, in each case dependent on the type of scheme in question. However, some concerns about the current requirements to provide information are highlighted by this consultation and the regulations themselves…

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