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Legalize / United Kingdom / Public General Act

Financial Guidance and Claims Act 2018

Type Public General Act

Publication 2018-05-10

Last updated 2022-06-01

State In force

Department Statute Law Database

Source legislation.gov.uk

articles Not indexed

Reform history JSON API

57

Sch. 4 para. 1 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

58

Sch. 4 para. 2 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

59

Sch. 4 para. 3 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

60

Sch. 4 para. 4 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

61

Sch. 4 para. 5 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

62

Sch. 4 para. 6 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

63

Sch. 4 para. 7 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

64

Sch. 4 para. 8 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

65

Sch. 4 para. 9 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

66

Sch. 4 para. 10 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

67

Sch. 4 para. 11 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

68

Sch. 4 para. 12 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

69

Sch. 4 para. 13 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

70

Sch. 4 para. 14 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

71

Sch. 4 para. 15 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

72

Sch. 4 para. 16 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

73

Sch. 4 para. 17 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

74

Sch. 4 para. 18 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

75

Sch. 4 para. 19 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

76

Sch. 4 para. 20 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

77

Sch. 4 para. 21 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

78

Sch. 4 para. 22 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

79

Sch. 4 para. 23 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

80

Sch. 4 para. 24 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

81

Sch. 4 para. 25 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

82

Sch. 4 para. 26 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

83

Sch. 4 para. 27 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

84

Sch. 4 para. 28 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

85

Sch. 4 para. 29 in force at 6.10.2018 by S.I. 2018/1045, reg. 2(b)

86

S. 20 in force at 1.1.2019 by S.I. 2018/1003, reg. 2(b)

87

S. 3(8)(10) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(a)

88

S. 4 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(b)

89

S. 5 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(c)

90

S. 10 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(d)

91

S. 17(4)(5)(6)(b) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(e)

92

S. 18(7) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(f)

93

Sch. 3 para. 7 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(i)

94

Sch. 3 para. 9 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(ii)

95

Sch. 3 para. 10 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(ii)

96

Sch. 3 para. 14(2)(b)(d) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(iv)

97

Sch. 3 para. 14(3)(b)(d) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(iv)

98

Sch. 3 para. 16 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(v)

99

Sch. 3 para. 17 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(v)

100

Sch. 3 para. 18 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(v)

101

Sch. 3 para. 19 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(v)

102

Sch. 3 para. 20 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(v)

103

Sch. 3 para. 21(2)(a)(c)(3)(a)(4) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(vi)

104

Sch. 3 para. 21(5)(a)(iii)(b)(i)(ii) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(vi)

105

Sch. 3 para. 31 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(vii)

106

Sch. 3 para. 32 in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(vii)

107

S. 25 in force at 1.1.2019 for specified purposes by S.I. 2018/1330, reg. 2(g)

108

S. 3(1)(4)-(7)(9) in force at 1.1.2019 in so far as not already in force by S.I. 2018/1330, reg. 3(a)

109

S. 18(1) in force at 1.1.2019 for specified purposes by S.I. 2018/1330, reg. 3(b)

110

Sch. 3 para. 30(b) in force at 1.1.2019 by virtue of S.I. 2018/1330, reg. 2(g)(vi)

111

Sch. 3 para. 13(b)(d) in force at 1.1.2019 by S.I. 2018/1330, reg. 2(g)(iii)

112

S. 28 in force at 29.3.2019 by S.I. 2019/743, reg. 2(a)

113

S. 33 in force at 29.3.2019 by S.I. 2019/743, reg. 2(b)

114

S. 34 in force at 29.3.2019 by S.I. 2019/743, reg. 2(c)

115

S. 30(5)(c) table modified (1.4.2019) by The Legal Services Act 2007 (Designation as a Licensing Authority) Order 2019 (S.I. 2019/166), arts. 1, 3(a)

116

S. 33(5)(d) modified (E.W.) (1.4.2019) by The Legal Services Act 2007 (Designation as a Licensing Authority) Order 2019 (S.I. 2019/166), arts. 1, 3(b)

117

Words in s. 18(4) substituted (6.4.2019) by The Financial Guidance and Claims Act 2018 (Naming and Consequential Amendments) Regulations 2019 (S.I. 2019/383), reg. 1(1), Sch. para. 11

118

Words in s. 30(5) Table inserted (31.12.2020) by The Services of Lawyers and Lawyer’s Practice (Revocation etc.) (EU Exit) Regulations 2020 (S.I. 2020/1342), reg. 1(1), Sch. para. 14(2)(a) (with Sch. para. 13)

119

Words in s. 30(5) Table inserted (31.12.2020) by The Services of Lawyers and Lawyer’s Practice (Revocation etc.) (EU Exit) Regulations 2020 (S.I. 2020/1342), reg. 1(1), Sch. para. 14(2)(b) (with Sch. para. 13)

120

Words in s. 33(5)(a)(ii) inserted (31.12.2020) by The Services of Lawyers and Lawyer’s Practice (Revocation etc.) (EU Exit) Regulations 2020 (S.I. 2020/1342), reg. 1(1), Sch. para. 14(3)(a) (with Sch. para. 13)

121

Words in s. 33(5)(c)(ii) inserted (31.12.2020) by The Services of Lawyers and Lawyer’s Practice (Revocation etc.) (EU Exit) Regulations 2020 (S.I. 2020/1342), reg. 1(1), Sch. para. 14(3)(b) (with Sch. para. 13)

122

S. 4A inserted (11.2.2021 for specified purposes, 14.10.2022 for specified purposes) by Pension Schemes Act 2021 (c. 1), ss. 122, 131(1)(3)(a); S.I. 2022/1044, reg. 2(d) (with reg. 3)

123

S. 1(6) in force at 6.4.2021 by S.I. 2021/433, reg. 2(a)

124

S. 25 in force at 6.4.2021 for specified purposes by S.I. 2021/433, reg. 2(b)

125

Sch. 3 para. 8 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(i)

126

Sch. 3 para. 12 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(ii)

127

Sch. 3 para. 15 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(iii)

128

Sch. 3 para. 22 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(iv)

129

Sch. 3 para. 25 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(v)

130

Sch. 3 para. 26 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(vi)

131

Sch. 3 para. 27 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(vii)

132

Sch. 3 para. 29 in force at 6.4.2021 by S.I. 2021/433, reg. 2(b)(viii)

133

Words in s. 6(2)(c) omitted (E.W.) (29.6.2021) by virtue of Financial Services Act 2021 (c. 22), ss. 35(1), 49(2)(c) (with s. 35(4))

134

S. 7(4A) inserted (E.W) (29.6.2021) by Financial Services Act 2021 (c. 22), ss. 35(2), 49(2)(c)

135

S. 7(5)(ba) inserted (29.6.2021) by Financial Services Act 2021 (c. 22), ss. 35(3), 49(2)(c)

136

S. 18(3)-(6) in force at 5.7.2021 by S.I. 2021/764, reg. 2(c)

137

S. 18(1) in force at 5.7.2021 for specified purposes by S.I. 2021/764, reg. 2(a)

138

S. 18(2) in force at 5.7.2021 for specified purposes by S.I. 2021/764, reg. 2(b)

139

S. 19(1) in force at 5.7.2021 for specified purposes by S.I. 2021/764, reg. 2(d)

140

S. 19(2)(3) in force at 5.7.2021 for specified purposes by S.I. 2021/764, reg. 2(e)

141

S. 19(4) in force at 5.7.2021 by S.I. 2021/764, reg. 2(f)

142

S. 19(6) in force at 15.3.2022 for specified purposes by S.R. 2022/107, art. 2(a)

143

S. 19(7)(8) in force at 15.3.2022 for specified purposes by S.R. 2022/107, art. 2(b)

144

S. 19(9) in force at 15.3.2022 by S.R. 2022/107, art. 2(c)

145

S. 19(6)-(8) in force at 1.6.2022 in so far as not already in force by S.R. 2022/175, art. 2

146

S. 18(1)(2) in force at 1.6.2022 in so far as not already in force by S.I. 2022/509, reg. 2(a)

147

S. 19(2)(3) in force at 1.6.2022 in so far as not already in force by S.I. 2022/509, reg. 2(b)

The single financial guidance body

Occupational pension schemes: requirements to refer members to guidance etc

FCA general rules: information about the availability of guidance

Unsolicited direct marketing: other consumer financial products etc

Power of FCA to make rules restricting charges for claims management services

PPI claims: interim restriction on charges before transfer of regulation to FCA

Commencement

Power of FCA to make rules restricting charges for claims management services

PPI claims and charges for claims management services: general

4A

(1) The single financial guidance body must provide a pensions dashboard service by means of which—

(a) information that the trustees or managers of a relevant occupational pension scheme are required to provide by—

(i) regulations under section 238D(1)(a)(ii) of the Pensions Act 2004, or

(ii) regulations under Article 215D(1)(a)(ii) of the Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1)), and

(b) information that specified authorised persons are required to provide by general rules under section 137FAA(1)(a)(ii) of the Financial Services and Markets Act 2000,

may be requested by, and provided to, an individual or a person authorised by the individual.

(2) The single financial guidance body may, by means of its pensions dashboard service, provide information about—

(a) state pensions,

(b) basic and additional retirement pensions, and

(c) state pension information relating to an individual.

(3) The single financial guidance body may carry out other functions relating to pensions dashboard services, including functions for which provision is made by—

(a) regulations under section 238A of the Pensions Act 2004 or Article 215A of the Pensions (Northern Ireland) Order 2005 (qualifying pensions dashboard services),

(b) regulations under section 238D of the Pensions Act 2004 or Article 215D of the Pensions (Northern Ireland) Order 2005 (information from occupational pension schemes), or

(c) general rules under section 137FAA of the Financial Services and Markets Act 2000 (information from personal or stakeholder pension schemes).

(4) The functions of the single financial guidance body referred to in subsections (1) to (3) are part of its pensions guidance function.

(5) Subsections (1) to (4) are without prejudice to sections 3(4) and (8) and 4.

(6) In this section—

“pensions dashboard service” means—a pensions dashboard service within the meaning of section 238A of the Pensions Act 2004, ora pensions dashboard service within the meaning of Article 215A of the Pensions (Northern Ireland) Order 2005 (S.I. 2005/255 (N.I. 1));

“relevant occupational pension scheme” has the meaning given by—section 238F of the Pensions Act 2004, in relation to England and Wales and Scotland, andArticle 215F of the Pensions (Northern Ireland) Order 2005, in relation to Northern Ireland;

“specified authorised person” has the meaning given by section 137FAC of the Financial Services and Markets Act 2000;

“state pension”, “basic retirement pension”, “additional retirement pension” and “state pension information” have the meaning given by section 238C of the Pensions Act 2004.

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