The Payment Services Regulations 2017

(78A) (1) This regulation applies in relation to an authorised electronic money institution, EEA authorised electronic money institution or small electronic money institution which provides services before 13th January 2018 in accordance with these Regulations or the national law in another EEA State transposing the electronic money directive and, where relevant, the Payment Services Regulations 2009 or the national law in another EEA State transposing the first payment services directive. (2) In the case of an authorised electronic money institution or small electronic money institution— (a) the institution may continue to provide the services provided before 13th January 2018 until the end of 12th July 2018 without further authorisation or registration under these Regulations; (b) the institution is to be treated as if on 13th January 2018 the Authority had imposed a requirement under regulation 7 (imposition of variations), including under that regulation as applied by regulation 15 (supplementary provisions), requiring the institution to refrain from providing account information services or payment initiation services for an indefinite period; (c) any other requirement imposed by the Authority under regulation 7 (imposition of variations), including under that regulation as applied by regulation 15 (supplementary provisions), applies in relation to services provided pursuant to sub-paragraph (a); (d) regulations 10 (cancellation of authorisation) and 11 (variation of authorisation on Authority's own initiative), including those regulations as applied by regulation 15, apply in relation to the institution as if references to authorisation or registration included references to entitlement to provide payment services pursuant to sub-paragraph (a); and (e) the institution may not apply for a variation under regulation 8 (variation etc. at request of authorised electronic money institution), including under that regulation as applied by regulation 15, before it complies with paragraph (4) or (5) of this regulation. (3) An EEA authorised electronic money institution may continue to provide the services provided before 13th January 2018 until the end of 12th July 2018 without further authorisation or registration under the national law implementing the amendments to the electronic money directive made by Article 111 of the payment services directive. (4) Where an authorised electronic money institution intends to provide services on or after 13th July 2018, the institution must before 13th April 2018— (a) provide to the Authority all information specified in Schedule 1 that the person has not previously provided to the Authority; or (b) notify the Authority that it has previously provided all such information to the Authority. (5) Where a small electronic money institution intends to provide services as a small electronic money institution on or after 13th July 2018, the institution must before 13th April 2018 notify the Authority whether it continues to meet the requirements for registration as a small electronic money institution, together with any information relevant to that question which is has not previously provided to the Authority. (6) On receipt of information or a notification pursuant to paragraph (4) or (5), the Authority must consider whether the institution's authorisation or registration should be continued on and after 13th July 2018. (7) If the Authority does not decide to continue the institution's authorisation or registration under paragraph (6), the institution's authorisation or registration is to be treated as having been cancelled on 13th July 2018. (8) The Authority must maintain in the register a person entitled to provide services pursuant to this regulation. (9) In this regulation “first payment services directive” means Directive 2007/64/EC of the European Parliament and of the Council of 13th November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC .

• (29) In Schedule 1 (information to be included in or with an application for authorisation)—

• (a) after paragraph 5 insert—

(5A) A description of the applicant's procedure for monitoring, handling and following up security incidents and security-related customer complaints, including where appropriate an incidents reporting mechanism which takes account of the notification obligations under regulation 99 of the Payment Services Regulations 2017. (5B) A description of the applicant's process for filing, monitoring, tracking and restricting access to sensitive payment data. (5C) A description of the applicant's business continuity arrangements, including a clear identification of the critical operations, effective contingency plans, and a procedure for regular testing and reviewing of the adequacy and efficiency of such plans. (5D) A description of the principles and definitions used by the applicant in collecting statistical data on performance, transactions and fraud. (5E) A statement of the applicant's security policy, including— (a) a detailed risk assessment in relation to the payment services to be provided, including risks of fraud and illegal use of sensitive and personal data, and (b) a description of— (i) the applicant's security control and mitigation measures to provide adequate protection to users against the risks identified, (ii) how such measures ensure a high level of technical security and data protection, including such security and protection for the software and IT systems used by the applicant and any undertakings to which the applicant outsources any part of its operations, and (iii) where appropriate, the applicant's measures to comply with regulation 98(1) of the Payment Services Regulations 2017, taking into account any guidelines issued by the European Banking Authority under Article 95(3) of the payment services directive.

• (b) in paragraph 7, after “branches and” insert “ the off-site and on-site checks that the applicant undertakes to perform on them at least annually, ”;

• (c) in paragraph 13, after “5” insert “ , 5A ”; and

• (d) after paragraph 13, insert—

(14) In the case of an applicant which proposes to provide payment initiation services or account information services, the professional indemnity insurance or comparable guarantee which it holds in relation to such services.

• (30) In Schedule 2 (capital requirements)—

• (a) in paragraph 1 for “the items specified in paragraph 4(a), (b) and (c) of this Schedule” substitute “ one or more of the items specified in Article 26(1)(a) to (e) of the capital requirements regulation ”;

• (b) in paragraph 4 for “the following items” to the end substitute “ own funds as defined in Article 4(1)(18) of the capital requirements regulation, and are to be calculated in accordance with paragraphs 9 to 12. ”;

• (c) omit paragraphs 5 to 8 and the heading preceding paragraph 7;

• (d) for paragraph 9 substitute—

(9) For the purposes of calculating own funds— (a) the amount of Tier 2 capital must be equal to or less than one third of the amount of Tier 1 capital; (b) at least 75% of the amount of Tier 1 capital must be in the form of Common Equity Tier 1 capital.

• (e) in paragraph 13(a) after “payment services” insert “ specified in paragraph 1(a) to (f) of Schedule 1 of the Payment Services Regulations 2017. ”;

• (f) in paragraph 21(4)—

• (i) in paragraph (a) for “2009” substitute “ 2017 ”;

• (ii) omit paragraph (b);

• (iii) in paragraph (c) after “payment service” insert “ specified in paragraph 1(a) to (e) of Schedule 1 to those Regulations ”.

• (31) In Schedule 3 (application and modification of legislation)—

• (a) after paragraph 2 (the tribunal) insert—

(2A) (1) Section 137A of the 2000 Act applies for the purposes of these Regulations as if— (a) references to authorised persons were references to authorised electronic money institutions, small electronic money institutions and EEA authorised electronic money institutions; (b) in subsection (1)— (i) the reference in paragraph (a) to the carrying on of regulated activities were to the issuance of electronic money, and (ii) the reference in paragraph (b) to the carrying on of activities which are not regulated activities were to the carrying on of activities in connection with the issuance of electronic money; (c) in subsection (5)— (i) references to EEA firms were to EEA authorised issuance of electronic money institutions; (ii) in paragraph (a), reference to permission conferred by Part 2 of Schedule 3 to the 2000 Act were to permission conferred by regulation 29A(2) of these Regulations; (iii) in paragraph (b), reference to any of the single market directives or the emission allowance auctioning regulation were to the electronic money directive; (c) after subsection (5) there were inserted— (6) The FCA may make a rule pursuant to paragraph (1) only if the FCA is also making, or has made, a rule under this section or section 137R concerning the same matter which applies to authorised persons in connection with the issuance of electronic money. (2) Sections 137T (general supplementary powers) and 141A (power to make consequential amendments of references to rules) and Chapter 2 of Part 9A (rules: modification, waiver, contravention and procedural provisions) of the 2000 Act apply in relation to rules made pursuant to paragraph (1) as they do in relation to other rules made by the FCA under section 137A of the 2000 Act, subject to sub-paragraph (3). (3) Section 138D (actions for damages) applies as if in that section subsection (6) were omitted and “private person” had the meaning given in regulation 72(3) of these Regulations.

• (b) after paragraph 4 (control over electronic money institutions) insert—

(4A) (1) Part 13 of the 2000 Act (incoming firms: intervention by FCA or PRA) applies with the following modifications. (2) References to— (a) “the regulator” or “the appropriate regulator” are to be read as references to the Authority; (b) requirements imposed by or under the 2000 Act are to be read as references to requirements imposed by or under these Regulations. (3) Section 193 (interpretation) is to be read as if— (a) in subsection (1), for the definition of “incoming firm” there were substituted— “incoming firm” means an EEA authorised electronic money institution which is exercising, or has exercised, its right to provide services in the United Kingdom in accordance with the Electronic Money Regulations 2011; (b) subsection (1A) were omitted; and (c) for subsection (2) there were substituted— (2) Expressions used in this Part and in the Payment Services Regulations 2017 have the same meaning in this Part as they have in those Regulations. (4) Section 194 (general grounds on which power of intervention is exercisable) is to be read as if subsections (1)(c)(ii) and (1AA) to (5) were omitted. (5) Sections 194A to 194C, 195A, 195B, 198 to 199A and 201 are to be ignored. (6) Section 195 (exercise of power in support of overseas regulator) is to be read as if— (a) subsection (2A) were omitted; and (b) in subsection (5)(b), the reference to an EEA firm's EEA authorisation were a reference to an EEA authorised electronic money institution's authorisation under the electronic money directive. (7) Section 196 (the power of intervention) is to be read as if— (a) in subsection (1), for paragraphs (a) and (b) there were substituted— (a) the firm were an authorised electronic money institution; and (b) the FCA were entitled to exercise its power under regulation 12 of the Electronic Money Regulations 2011 (variation of authorisation on Authority's own initiative) by imposing a requirement such as may, under regulation 7 of those Regulations (imposition of requirements) be included in an authorisation under those Regulations. (b) subsection (3) were omitted. (8) Section 202 (contravention of requirement) is to be read as if for subsection (2) there were substituted— (2) Regulation 72 of the Electronic Money Regulations 2011 (right to bring actions) applies to the contravention as if it were a contravention of Part 5 of those Regulations.

PART 3 — Amendments to other secondary legislation

Rehabilitation of Offenders Act 1974 (Exceptions) Order 1975

6

In the Rehabilitation of Offenders Act 1974 (Exceptions) Order 1975 —

• (a) in article 2(1)—

• (i) for “Payment Services Regulations 2009” in each place it appears substitute “ Payment Services Regulations 2017 ”;

• (ii) in the appropriate place, insert—

“registered account information service provider” has the meaning given by regulation 2(1) of the Payment Services Regulations 2017;

• (b) in article 4(1)(d)(xv)—

• (i) after “an authorised payment institution” insert “ , a registered account information service provider ”;

• (ii) for “2009” substitute “ 2017 ”.

Individual Savings Account Regulations 1998

7

In regulation 2(1)(b) of the Individual Savings Account Regulations 1998 (interpretation) , in the definition of “insolvency event” for “regulation 19(15) of the Payment Services Regulations 2009” substitute “ regulation 23(18) of the Payment Services Regulations 2017 ”.

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001

8

In the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 —

• (a) In article 9AB(2) (funds received for payment services) for “2009” substitute “ 2017 ”;

• (b) in article 60JA (payment institutions)—

• (i) in paragraph (1) for “16(3)” substitute “ 18(4) ”;

• (ii) in paragraph (2) for “2009” substitute “ 2017 ”;

• (c) in article 60JB (electronic money institutions), in paragraph (1) for “16(3)” substitute “ 18(4) ”.

Child Trust Funds Regulations 2004

9

In regulation 2(1)(c) of the Child Trust Funds Regulations 2004 (interpretation) , in the definition of “insolvency event” for “regulation 19(15) of the Payment Services Regulations 2009” substitute “ regulation 23(18) of the Payment Services Regulations 2017 ”.

Financial Services (Distance Marketing) Regulations 2004

10

In the Financial Services (Distance Marketing) Regulations 2004 —

• (a) in regulation 7(1A) (information required prior to the conclusion of the contract) for “2009” substitute “ 2017 ”;

• (b) in regulation 8(1A) (written and additional information) for “2009” substitute “ 2017 ”.

Investment Bank Special Administration Regulations 2011

11

In Schedule 6 to the Investment Bank Special Administration Regulations 2011 (modifications and consequential amendments) , in the entry for the Payment Services Regulations 2009 in the list after paragraph 1, for “2009” substitute “ 2017 ”.

Consumer Rights (Payment Surcharges) Regulations 2012

12

• (1) The Consumer Rights (Payment Surcharges) Regulations 2012 are amended as follows.

• (2) In regulation 1 (citation and commencement)—

• (a) in paragraph (2) for “These Regulations apply” substitute “ Regulation 4 (fees a trader must not charge a consumer) applies ”;

• (b) after paragraph (2) insert—

(3) Regulation 6A applies in relation to contracts entered into after the date on which the Payment Services Regulations 2017 were made.

• (3) In regulation 3 (other definitions) after the definition of “goods” insert—

“payee”, “payer”, “payment instrument”, “payment service” and “payment service provider” have the meanings given in regulation 2(1) of the Payment Services Regulations 2017;

• (4) For the heading of regulation 4 (excessive charges prohibited) substitute “ Fees a trader must not charge a consumer ”.

• (5) In the heading of regulation 5 (contracts where prohibition applies) for “prohibition” substitute “ regulation 4 ”.

• (6) After regulation 6 (temporary exemption for micro-businesses and new businesses) insert—

(6A) (1) A payee must not charge a payer any fee in respect of payment by means of— (a) a payment instrument which— (i) is a card-based payment instrument as defined in Article 2(20) of Regulation (EU) 2015/751 of the European Parliament and of the Council of 29th April 2015 on interchange fees for card-based payment transactions ; and (ii) is not a commercial card as defined in Article 2(6) of that Regulation; or (b) a payment instrument which— (i) is not a card-based payment instrument as defined in Article 2(20) of that Regulation; and (ii) would not fall within the definition of commercial card at Article 2(6) of that Regulation if, in that definition, the reference to any card-based payment instrument were to any payment instrument and the reference to such cards were to such payment instruments; or (c) a payment service to which Regulation (EU) 260/2012 of the European Parliament and of the Council of 14th March 2012 establishing technical and business requirements for credit transfers and direct debits in euro applies. (2) A payee receiving a payment by means of a payment instrument must not charge the payer, in respect of such payment, a fee which exceeds the costs borne by the payee for the use of that specific payment instrument. (6B) (1) Regulation 6A applies only if the payment service provider of the payer or the payment service provider of the payee is located in an EEA state. (2) Where the payment service providers of both the payee and the payer are located in an EEA state, regulation 6A(1) and (2) apply. (3) Where the payment service provider of either the payer or the payee, but not both, is located in an EEA state, regulation 6A(2) applies but regulation 6A(1) does not apply.

• (7) In regulations 7(1) and (4) (complaints), 8(1) and (2) (orders to secure compliance) and 9(a) (notification of undertakings and orders to the CMA) after “regulation 4” insert “ or 6A ”.

• (8) In regulation 10 (consumer's right of redress)—

• (a) in the heading for “Consumer's right” substitute “ Right ”;

• (b) after “regulation 4” insert “ or any payee charges a fee in contravention of regulation 6A ”;

• (c) in paragraph (a)—

• (i) for “consumer to pay” substitute “ payment of ”;

• (ii) for “of the excess charged” substitute “ that the charging of the fee contravenes regulation 4 or 6A ”;

• (d) in paragraph (b) for “excess to be repaid to the consumer” substitute “ fee to be repaid to the extent that the charging of the fee contravenes regulation 4 or 6A ”.

Postal Services Act 2011 (Disclosure of Information) Order 2012

13

In article 4 of the Postal Services Act 2011 (Disclosure of Information) Order 2012 (prescription of enactments), in the entry for the Payment Services Regulations 2009, for “2009” substitute “ 2017 ”.

Payments in Euro (Credit Transfers and Direct Debits) Regulations 2012

14

In regulation 2(1) of the Payments in Euro (Credit Transfers and Direct Debits) Regulations 2012 , in the final definition (definition of “payment services”, “payment service provider”, “payment service user” and “payment system”) for “2009” substitute “ 2017 ”.

Payment to Treasury of Penalties (Enforcement Costs) Order 2013

15

In article 2(1) of the Payment to Treasury of Penalties (Enforcement Costs) Order 2013 (enforcement powers) , for sub-paragraph (g) substitute—

(g) regulations 110, 111, 113, 114 and 116 of the Payment Services Regulations 2017,

Financial Services Act 2012 (Relevant Functions in relation to Complaints Scheme) Order 2014

16

In article 2(b) of the Financial Services Act 2012 (Relevant Functions in relation to Complaints Scheme) Order 2014 (relevant functions of the FCA) —

• (a) for “2009” substitute “ 2017 ”; and

• (b) for “regulation 93” substitute “ regulation 120 ”.

Communications Act 2003 (Disclosure of Information) Order 2014

17

In article 3(e) of the Communications Act 2003 (Disclosure of Information) Order 2014 (specification of relevant functions) for “2009” substitute “ 2017 ”.

Financial Services and Markets Act 2000 (Excluded Activities and Prohibitions) Order 2014

18

In regulation 1(4) of the Financial Services and Markets Act 2000 (Excluded Activities and Prohibitions) Order 2014 (interpretation), in the definition of “payment services” for “2009” substitute “ 2017 ”.

Public Interest Disclosure (Prescribed Persons) Order 2014

19

In the Schedule to the Public Interest Disclosure (Prescribed Persons) Order 2014 , in paragraph (e) of the entry for the Financial Conduct Authority for “payment services regulations 2009” substitute “ Payment Services Regulations 2017 ”.

Enterprise Act 2002 (Part 8 EU Infringements) Order 2014

20

In the Enterprise Act 2002 (Part 8 EU Infringements) Order 2014 —

• (a) in article 4 for “the listed Directive” substitute “ a Directive, or provisions of a Directive, listed in the Schedule ”;

• (b) in the Schedule (listed directive)—

• (i) in the heading of the Schedule for “DIRECTIVE” substitute “ DIRECTIVES ”;

• (ii) in the heading of the first column in the table for “Directive” substitute “ Directives ”;

• (iii) in the first column of the table after “Directive 97/7/EC of the European Parliament and the Council” insert—

; and Paragraphs 4 and 5 and the second sentence of paragraph 3 of Article 62 of Directive 2015/2366/EU of the European Parliament and of the Council of 25th November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No. 1093/2010, and repealing Directive 2007/64/EC

• (iv) in the second column of the table after “Regulations 4,” insert “ 6A, 6B, ”.

Payment to Treasury of Penalties (Enforcement Costs of the Payment Systems Regulator) Order 2015

21

In the Payment to Treasury of Penalties (Enforcement Costs of the Payment Systems Regulator) Order 2015 —

• (a) in article 1(2) (citation, commencement and interpretation) omit the definition of “the 2009 Regulations”;

• (b) in article 2 (enforcement powers) omit paragraph (d);

• (c) in article 3 (relevant offences) omit paragraph (c).

Mortgage Credit Directive Order 2015

22

In article 26 of the Mortgage Credit Directive Order 2015 (extension of the compulsory jurisdiction of the Financial Ombudsman Scheme to registered consumer buy-to-let mortgage firms) , in paragraph (1)(a) for “2009” substitute “ 2017 ”.

Small and Medium Sized Business (Credit Information) Regulations 2015

23

In regulation 17 of the Small and Medium Sized Business (Credit Information) Regulations 2015 (extension of the jurisdiction of the Financial Ombudsman Scheme to designated credit reference agencies) , in paragraph (1)(a), (d) and (e) for “2009” substitute “ 2017 ”.

Small and Medium Sized Business (Finance Platforms) Regulations 2015

24

In regulation 14 of the Small and Medium Sized Business (Finance Platforms) Regulations 2015 (extension of the jurisdiction of the Financial Ombudsman Scheme to designated finance platforms) , in paragraph (1)(a), (d) and (e) for “2009” substitute “ 2017 ”.

Payment Accounts Regulations 2015

25

In the Payment Accounts Regulations 2015 —

• (a) in regulation 2(1) (interpretation), in the definition of “Payment Services Regulations” for “2009” substitute “ 2017 ”;

• (b) in regulation 8 (fee information document), in paragraph (1)(a) for “Part 5 (information requirements for payment systems)” substitute “ Part 6 (information requirements for payment services) ”;

• (c) in regulation 10 (statement of fees), in paragraph (1) for “Part 5” substitute “ Part 6 ”;

• (d) in Schedule 3 (switching service)—

• (i) in paragraph 4(1)(e) for “regulation 43” substitute “ regulation 51 ”;

• (ii) in paragraph 5(3) for “regulation 56(2)” substitute “ regulation 71(2) ”;

• (iii) in paragraph 6(3) for “regulation 43” substitute “ regulation 51 ”;

• (e) in Schedule 5 (fees connected with alternative arrangements etc.), in paragraph 3(2) for “regulation 43” substitute “ regulation 51 ”.

Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017

26

In the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 —

• (a) in regulation 3(1) (general interpretation), in the definitions of “payment services” and “payment service provider” for “2009” substitute “ 2017 ”;

• (b) in regulation 53 (interpretation), in the definition of “telecommunication, digital and IT payment service provider” for the words from “falling within” to the end substitute “ consisting of the execution of payment transactions where the consent of the payer to execute a payment transaction is given by means of any telecommunication, digital or IT device and the payment is made to the telecommunication, IT system or network operator acting only as an intermediary between the payment service user and the supplier of the goods and services (and terms used in this definition which are defined in the Payment Services Regulations 2017 have the meanings given in those Regulations). ”;

• (c) in regulation 60(5) (cancellation and suspension of registration)—

• (i) in sub-paragraph (b) for “2009” substitute “ 2017 ”;

• (ii) in sub-paragraph (c)(i)—

• (aa) for “(c) to (h)” substitute “ (d) to (j) ”;

• (bb) for “2009” substitute “ 2017 ”;

• (iii) in sub-paragraph (c)(ii) for “121” substitute “ 154(2) ”;

• (d) in regulation 62(1) (transfer of funds supervisory authorities), in sub-paragraphs (b) and (c) for “2009” substitute “ 2017 ”;

• (e) in regulation 77(2) (power to impose civil penalties: suspension and removal of authorisation), in paragraphs (a)(ii) and (iii) and (b)(ii) and (iii) for “2009” substitute “ 2017 ”;

• (f) in regulation 105 (disclosure by the Commissioners), in paragraphs (1) and (2)(c) for “2009” substitute “ 2017 ”.

SCHEDULE 9 — Revocations

Instrument revoked	Extent of revocation
The Payment Services Regulations 2009	All of the Regulations except regulation 126 and Schedule 6 (amendments to primary and secondary legislation)
The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014	Articles 12 (amendment of the Payment Services Regulations 2009), 13 (saving of section 51 of the Consumer Credit Act 1974) and 19(4) (amendment of the Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013)

Signed

David Evennett — Mark Spencer — Two of the Lords Commissioners of Her Majesty's Treasury — 2017-07-18

Explanatory note

(This note is not part of the Regulations)

Footnotes

[^f00001]: S.I. 2012/1759.

[^f00002]: 1972 c. 68. Section 2(2) was amended by section 27(1)(a) of the Legislative and Regulatory Reform Act 2006 (c. 51) and the European Union (Amendment) Act 2008 (c. 7), Schedule, Part 1. By virtue of the amendment of section 1(2) by section 1 of the European Economic Area Act 1993 (c. 51) legislation may be made under section 2(2) of the European Communities Act to implement obligations of the United Kingdom created or arising by or under the Agreement on the European Economic Area signed at Oporto on 2nd May 1992 (Cm 2073) and the Protocol adjusting the Agreement signed at Brussels on 17th March 1992 (Cm 2183).

[^f00003]: 2000 c. 8. Section 22(5) provides that “specified” means specified in an order made by the Treasury. Paragraph 25 of Schedule 2 makes provision supplementing section 22. Schedule 1ZA was inserted by section 6 of the Financial Services Act 2012 (c. 21), and paragraph 20 was amended by paragraph 4 of Schedule 10 to the Financial Services (Banking Reform) Act 2013 (c. 33).

[^f00004]: 2004 c. 5. Section 3 was amended by sections 60 to 62 of the Deregulation Act 2015 (c. 20).

[^f00005]: 2005 c. 5. Section 694 is supplemented by the remainder of Chapter 3 of Part 6. Section 694 was amended by section 40(2) of the Finance Act 2011 (c. 11), and is applied with modifications by section 151 of the Taxation of Chargeable Gains Act 1992 (c. 12).

[^f00006]: 2012 c. 21. Section 85(2) was substituted by paragraph 10 of Schedule 2 to the Financial Services (Banking Reform) Act 2013.

[^f00007]: 2013 c. 33.

[^f00008]: S.I. 2001/1420.

[^f00009]: 2002 c. 40.

[^f00010]: S.I. 2011/99.

[^f00011]: S.I. 1975/1023.

[^f00012]: OJ L 176, 27.6.2013, p.338.

[^f00013]: OJ L 176, 27.6.2013, p.1.

[^f00014]: 2011 c. 25.

[^f00015]: 2005 asp 10. There are amendments to section 106 but none is relevant to these Regulations.

[^f00016]: 2008 c. 12.

[^f00017]: S.I. 1999/2979. There are amendments to regulation 2, but none is relevant here.

[^f00018]: OJ L 108, 24.4.2002, p.33.

[^f00019]: OJ L 267, 10.10.2009, p.7.

[^f00020]: OJ L 331, 15.12.2010, p.12.

[^f00021]: OJ L 182, 29.6.2013, p.19.

[^f00022]: OJ L 74, 14.3.2014, p.8.

[^f00023]: OJ L 123, 19.5.2015, p.1.

[^f00024]: OJ L 124, 20.5.2003, p.36.

[^f00025]: OJ L 141, 5.6.2015, p.73.

[^f00026]: 2006 c. 46.

[^f00027]: S.I. 1999/2979. The definition of “participant” in regulation 2(1) was amended by S.I. 2010/2993.

[^f00028]: OJ L 337 23.12.2015, p.35.

[^f00029]: 1974 c. 39. The definition of “regulated agreement” was substituted by S.I. 2013/1881.

[^f00030]: S.I. 1999/2979. The definition of “transfer order” in regulation 2(1) was amended by S.I. 2010/2993.

[^f00031]: 1979 c.34. The definition of “credit union” in section 31(1) was substituted by paragraph 16 of Schedule 4 to the Co-operative and Community Benefit Societies Act 2014 (c. 14).

[^f00032]: S.I. 1985/1205 (N.I. 12).

[^f00033]: 1987 c. 22. The Act was repealed from 1st December 2001 by S.I. 2001/3649.

[^f00034]: S.I. 2017/692.

[^f00035]: 2002 c. 29, as amended by sections 102 to 106 of, and paragraphs 173 and 174 of Schedule 4 and Part 2 of Schedule 17 to, the Serious Organised Crime and Police Act 2005 (c. 15), paragraphs 129 to 135 of Schedule 8 to the Crime and Courts Act 2013 (c. 22), section 37 of the Serious Crime Act 2015 (c. 9) and sections 10 to 12 of, and paragraphs 37 and 38 of Schedule 5 to, the Criminal Finances Act 2017 (c. 22), and by S.I. 2006/308, 2007/3398.

[^f00036]: 2000 c. 11.

[^f00037]: S.I. 2010/1197, revoked by S.I. 2011/2742.

[^f00038]: S.I. 2011/2742, as renamed by S.I. 2016/937.

[^f00039]: 2010 c. 38.

[^f00040]: S.I. 2011/99.

[^f00041]: OJ L 335, 17.12.2009, p.1.

[^f00042]: OJ L 173, 12.6.2014, p.349.

[^f00043]: S.I. 1999/2979. The definition of “default arrangements” was amended by S.I. 2006/50, 2010/2993 and 2013/504.

[^f00044]: OJ L 157, 9.6.2006, p.87.

[^f00045]: 2006 c. 46. Section 495 was amended by S.I. 2013/3008, 2016/649 and 2017/516. Section 498 was amended by S.I. 2008/393, 2013/1970 and 2016/649.

[^f00046]: S.I. 2008/1911. Regulation 39 was amended by S.I. 2016/575. Regulation 40 was amended by S.I. 2009/1804.

[^f00047]: S.I. 2017/692.

[^f00048]: 1974 c. 39.

[^f00049]: 1973 c. 39. Section 98A was inserted by S.I. 2010/1010.

[^f00050]: 2002 c. 29. Section 333A was inserted by S.I. 2007/3398 and amended by paragraph 132 of Schedule 8 to the Crime and Courts Act 2013 (c. 22).

[^f00051]: S.I. 2013/3134. Regulation 6 was amended by S.I. 2015/1629.

[^f00052]: OJ L 94, 30.3.2012, p.22.

[^f00053]: 2000 c. 8. Schedule 1ZA was substituted by Schedule 3 to the Financial Services Act 2012 (c. 21). Paragraph 23 was amended by paragraph 7 of Schedule 8 to the Financial Services (Banking Reform) Act 2013 (c. 33), paragraph 16 of Schedule 3 to the Pension Schemes Act 2015 (c.8) and section 29 of the Bank of England and Financial Services Act 2016 (c. 14), and by S.I. 2013/1773.

[^f00054]: Section 1B was substituted by section 6 of the Financial Services Act 2012 and amended by paragraph 3 of Schedule 3 to the Pension Schemes Act 2015.

[^f00055]: Section 140A was substituted by section 24 of the Financial Services Act 2012 and amended by paragraph 10 of Schedule 3 to the Financial Services (Banking Reform) Act 2013 and paragraph 10 of Schedule 3 to the Pension Schemes Act 2015, and by S.I. 2014/892 and 2016/680.

[^f00056]: Paragraph 25 was amended by section 109 of the Financial Services (Banking Reform) Act 2013.

[^f00057]: 2013 c. 33.

[^f00058]: 2002 c. 40. Section 15 was amended by paragraph 20 of Schedule 8 to the Consumer Rights Act 2015 (c. 15).

[^f00059]: S.I. 2014/882.

[^f00060]: 2002 c. 40. Section 213(1) was amended by S.I. 2014/892.

[^f00061]: S.I. 2012/3110, amended by S.I. 2013/761 and 3134 and 2014/549 and by paragraph 12 of Schedule 8 to these Regulations.

[^f00062]: S.I. 2011/99.

[^f00063]: 1925 c. 86. Section 33 was amended by Schedule 6 to the Magistrates’ Court Act 1952 (c. 55), paragraph 19 of Schedule 8 to the Courts Act 1971 (c. 23) and paragraph 71 of Schedule 8 to the Courts Act 2003 (c. 39).

[^f00064]: 1980 c. 43. Schedule 3 was amended by sections 25 and 101 of, and Schedule 13 to, the Criminal Justice Act 1991 (c. 53), and by paragraph 51 of Schedule 3 and Part 4 of Schedule 37 to the Criminal Justice Act 2003 (c. 44).

[^f00065]: 1995 c.46. Section 70 was amended by section 10(6) of the Criminal Procedure (Scotland) Act 2004 (asp 5), section 28 of the Criminal Proceedings etc. (Reform) (Scotland) Act 2007 (asp 6), section 66 of the Criminal Justice and Licensing (Scotland) Act 2010 (asp 13), section 6(4) of the Partnerships (Prosecution) (Scotland) Act 2013 (c. 21) and section 83(a) of the Criminal Justice (Scotland) Act 2016 (asp 1), and by S.I. 2001/1149.

[^f00066]: 1945 c. 15 (N.I. 1). Section 18 was amended by the Magistrates Court Act (Northern Ireland) 1964 (c. 21 (N.I.)), paragraph 1 of Schedule 12 to the Justice (Northern Ireland) Act 2002 (c. 26) and by S.I. 1972/538 (N.I. 1).

[^f00067]: S.I. 1981/1675 (N.I. 26).

[^f00068]: 1998 c. 29.

[^f00069]: 2000 c. 8. Section 348 was amended by paragraph 26 of Schedule 2 to the Financial Services Act 2010, paragraph 18 of Schedule 12 to the Financial Services Act 2012, paragraph 5 of Schedule 8 to the Financial Services (Banking Reform) Act 2013 and paragraph 45 of Schedule 2 to the Bank of England and Financial Services Act 2016, and by S.I. 2016/1239.

[^f00070]: S.I. 2017/692.

[^f00071]: 2002 c. 40.

[^f00072]: OJ L 331, 15.12.2010, p.12.

[^f00073]: OJ L 319 5.12.2007, p.1. The Directive is repealed with effect from 13 January 2018 by Directive 2015/2366/EU.

[^f00074]: 2015 c.26. Section 30(3) was amended by section 19 of the Enterprise Act 2016 (c. 12).

[^f00075]: OJ L 141, 05.06.2015, p.1.

[^f00076]: 2006 c. 46.

[^f00077]: 1974 c. 39.

[^f00078]: S.I. 2001/544. Articles 36A, 36H, 39D, 39F, 39G, 60B, 60N, 89A and 89B were inserted by S.I. 2013/1881 and amended by S.I. 2014/366, 1448 and 1850, 2015/853 and 2016/392.

[^f00079]: S.I. 2001/544. Article 60L was inserted by S.I. 2013/1881. There are amendments to article 60L but none is relevant here.

[^f00080]: Section 422 was substituted by S.I. 2009/534 and amended by S.I. 2013/3115.

[^f00081]: S.I. 2001/544. Article 60JA was inserted by S.I. 2014/366.

[^f00082]: 2000 c. 8. Section 66 was amended by section 12 of, and paragraph 8 of Schedule 2 to, the Financial Services Act 2010 (c. 28), paragraph 14 of Schedule 5 to the Financial Services Act 2012 (c. 21), sections 28 and 32 of, and paragraph 5 of Schedule 3 to, the Financial Services (Banking Reform) Act 2013 (c. 33). Sections 66A and 66B were inserted by section 32 of the Financial Services (Banking Reform) Act 2013 and amended by section 25 of, and paragraphs 16 and 17 of Schedule 4 to, the Bank of England and Financial Services Act 2016 (c. 14), and by S.I. 1015/1864 and 2016/225 and 627. Sections 67 to 70 were amended by paragraphs 9 and 10 of Schedule 2 to the Financial Services Act 2010, paragraphs 15 to 18 of Schedule 5 to the Financial Services Act 2012, paragraphs 6 and 7 of Schedule 3 to the Financial Services (Banking Reform) Act 2013.

[^f00083]: Part 9 was amended by section 23 of the Financial Services Act 2012, paragraph 83 of Schedule 9 to the Crime and Courts Act 2013 (c. 22) and section 4 of the Financial Services (Banking Reform) Act 2013, and by S.I. 2010/22, 2013/1388, 2014/3329 and 2016/680.

[^f00084]: Part 9A was substituted by section 24 of the Financial Services Act 2012.

[^f00085]: Section 137R was amended by S.I. 2015/910.

[^f00086]: Chapter 2 was amended by paragraphs 8 and 9 of Schedule 3 to the Financial Services (Banking Reform) Act 2013, paragraph 69 of Schedule 4 to the Co-operative and Community Benefit Societies Act 2014 (c. 14), paragraphs 7 and 8 of Schedule 3 to the Pension Schemes Act 2015 (c. 8), sections 29, 33 and 35 of, and paragraph 35 of Schedule 2 to, the Bank of England and Financial Services Act 2016, S.I. 2013/1388.

[^f00087]: Part 11 was amended by paragraph 54 of Schedule 26 to the Criminal Justice Act 2003 (c. 44), paragraph 33 of Schedule 7 to the Counter-Terrorism Act 2008, section 18 of, and paragraphs 15 to 17 of Schedule 2 to, the Financial Services Act 2010, paragraphs 1 to 14 of Schedule 12 and paragraph 8 of Schedule 18 to the Financial Services Act 2012, paragraph 11 of Schedule 3 to the Pension Schemes Act 2015, paragraphs 36 and 37 of Schedule 2 to the Bank of England and Financial Services Act 2016 and paragraph 9 of Schedule 2 to the Investigatory Powers Act 2016 (c.25), and by S.I. 2001/1090, 2005/1433, 2007/126, 2011/1043, 2012/2554, 2013/1773, 2015/575 and 2016/225 and 680

[^f00088]: S.I. 2017/692.

[^f00089]: Part 12 was amended by section 26 of the Financial Services Act 2012 and paragraphs 38 to 40 of Schedule 2 to the Bank of England and Financial Services Act 2016, and by S.I. 2009/534, 2011/1043 and 1613, 2013/3115, 2014/3329, 2015/534, 575 and 1755 and 2016/1239.

[^f00090]: Part 13 was amended by section 3 of the Financial Services Act 2010 and paragraphs 30 to 43 of Schedule 4 to the Financial Services Act 2012, and by S.I. 2007/126, 2194 and 3253, 2011/1043 and 1613, 2012/916 and 2015, 2013/1773, 1797, 1881 and 3115, 2015/575, 910 and 1882.

[^f00091]: Sections 341 to 346 were amended by paragraphs 4 to 7 of Schedule 13 to the Financial Services Act 2012 and paragraph 44 of Schedule 2 to the Bank of England and Financial Services Act 2016, and by S.I. 2013/3115.

[^f00092]: Section 348 was amended by paragraph 26 of Schedule 2 to the Financial Services Act 2010, paragraph 18 of Schedule 12 to the Financial Services Act 2012, paragraph 5 of Schedule 8 to the Financial Services (Banking Reform) Act 2013 and paragraph 45 of Schedule 2 to the Bank of England and Financial Services Act 2016, and by S.I. 2016/1239.

[^f00093]: Section 349 was amended by section 964 of the Companies Act 2006 (c. 46) and paragraph 19 of Schedule 12 to the Financial Services Act 2012, and by S.I. 2006/1183, 2007/1093 and 2011/1043.

[^f00094]: Section 352 was amended by paragraph 54 of Schedule 26 to the Criminal Justice Act 2003.

[^f00095]: Section 359 was substituted by paragraph 55 of Schedule 17 to the Enterprise Act 2002 (c. 40) and amended by paragraph 6 of Schedule 2 to the Dormant Bank and Building Society Accounts Act 2008 (c. 31) and paragraph 6 of Schedule 14 to the Financial Services Act 2012, and by S.I. 2005/1455.

[^f00096]: Sections 367 and 368 were amended by paragraphs 14 and 15 of Schedule 14 to the Financial Services Act 2012, and by S.I. 2005/575

[^f00097]: Part 26 was amended by paragraph 11 of Schedule 4 to the Regulation of Investigatory Powers Act 2000 (c. 23), section 13 of, and paragraphs 28 and 29 of Schedule 2 to, the Financial Services Act 2010, sections 17 to 19 and 24 of, and paragraph 37 of Schedule 8, paragraphs 26 to 35 of Schedule 9 and paragraph 8 of Schedule 13 to, the Financial Services Act 2012, section 4 of, and paragraphs 12 to 14 of Schedule 3 to, the Financial Services (Banking Reform) Act 2013, and paragraph 43 of Schedule 10 to the Investigatory Powers Act 2016 (c. 25), and by S.I. 2006/381 and 1433, 2007/126 and 1973, 2009/534, 2010/22, 2012/916, 2013/1388 and 3115, 2014/2879, 2015/1755 and 2016/225, 680, 715 and 1239.

[^f00098]: S.I. 2001/1420, amended by S.I. 2005/274, 2010/1193, 2013/472 and 2014/549.

[^f00099]: S.I. 2001/2188, amended by S.I. 2001/3437 and 3624, 2002/1775, 2003/693, 2066, 2174 and 2817, 2004/1862 and 3379, 2005/3071, 2006/3413, 2007/3255, 2009/2877, 2010/2628, 2011/1043, 1265, 1613 and 2085, 2012/725, 916, 2554 and 3019, 2013/472, 504, 1162, 1773, 2329 and 3115, 2014/549, 883, 2879 and 3348, 2015/575 and 910, and 2016/225, 680 and 715.

[^f00100]: OJ L 123, 19.5.2015, p.1.

[^f00101]: OJ L 337 23.12.2015, p.35.

[^f00102]: Section 138L was substituted by section 24 of the Financial Services Act 2012.

[^f00103]: Paragraph 14 was amended by paragraph 25 of Schedule 11 to the Financial Services Act 2012 and by S.I. 2015/542.

[^f00104]: 1973 c. 39. Section 78 was amended by section 7 of the Consumer Credit Act 2006 (c. 14) and by S.I. 1998/997 and 2008/1277. Section 84 was amended by S.I. 1998/997, 2000/2334 and 2004/2095.

[^f00105]: 2000 c. 8.

[^f00106]: Section 1H was substituted (with the rest of Part 1A) for Part 1 by section 6 of the Financial Services Act 2012 and amended by S.I. 2013/655, 1881 and 3115.

[^f00107]: Section 206A was inserted by section 9 of the Financial Services Act 2010. Subsection (1A) was inserted by paragraph 13 of Schedule 9 to the Financial Services Act 2012.

[^f00108]: Subsection (2) was amended by S.I. 2009/209 and 2011/99.

[^f00109]: Subsection (1) was amended by paragraph 10 of Schedule 11 to the Financial Services Act 2012, S.I. 2009/209 and 2011/99.

[^f00110]: Section 379A was inserted by section 112 of the Digital Economy Act 2017 (c. 30).

[^f00111]: Section 404E was substituted, with other sections, for section 404 by section 14 of the Financial Services Act 2010. Subsection (6) was amended by S.I. 2011/99 and 2013/1881.

[^f00112]: Section 404F was substituted, with other sections, for section 404 by section 14 of the Financial Services Act 2010. Subsection (6) was amended by paragraph 20 of Schedule 18 to the Financial Services Act 2012 and by S.I. 2011/99.

[^f00113]: Schedule 1A was inserted by paragraph 1 of Schedule 1 to the Financial Services Act 2010. Paragraph 12 was amended by paragraph 13 of Schedule 15 to the Financial Services Act 2012 and by S.I. 2011/99.

[^f00114]: Paragraph 13 was amended by paragraph 24 of Schedule 11 to the Financial Services Act 2012, and by S.I. 2009/209, 2011/99 and 2015/542.

[^f00115]: 2002 c. 40. Schedule 13 was amended by S.I. 2006/3363, 2015/2911 and other instruments which are not relevant to these Regulations. There are amendments to Schedule 15 but none is relevant to these Regulations.

[^f00116]: 2013 c. 33. Section 108 was amended by section 14 of the Small Business, Enterprise and Employment Act 2015 (c. 26).

[^f00117]: S.I. 2011/99, amended by S.I. 2011/2742, 2012/1791, 2013/429, 479, 1881 and 3115, 2014/366, 2015/575 and 2016/163 and 937.

[^f00118]: OJ L 331, 15.12.2010, p.12.

[^f00119]: S.I. 1999/2979. The definitions of “default arrangements” and “transfer order” in regulation 2(1) were amended by S.I. 2010/2993 and 2013/504.

[^f00120]: OJ L 331, 15.12.2010, p.12.

[^f00121]: OJ L 319 5.12.2007, p.1. The Directive is repealed with effect from 13 January 2018 by Directive 2015/2366/EU.

[^f00122]: S.I. 1975/1023, as amended by S.I. 2011/1800, 2013/472 and other instruments that are not relevant here.

[^f00123]: S.I. 1998/1870, as amended by S.I. 2011/1780 and other instruments that are not relevant here.

[^f00124]: S.I. 2001/544. Article 9AB was inserted by S.I. 2009/209 and amended by S.I. 2011/99. Articles 60JA and 60JB were inserted by S.I. 2014/366.

[^f00125]: S.I. 2004/1450, as amended by S.I. 2010/582 and other instruments that are not relevant here.

[^f00126]: S.I. 2004/2095, as amended by S.I. 2009/209 and other instruments that are not relevant here.

[^f00127]: S.I. 2011/245. There have been amendments but none is relevant here.

[^f00128]: S.I. 2012/3110, amended by S.I. 2013/761 and 3134 and 2014/549.

[^f00129]: OJ L 123, 19.5.2015, p.1.

[^f00130]: OJ L 94, 30.3.2012, p.22.

[^f00131]: S.I. 2012/1128. There have been amendments to article 4 but none is relevant here.

[^f00132]: S.I. 2012/3122. Regulation 2(1) was amended by S.I. 2013/472.

[^f00133]: S.I. 2013/418. There have been amendments to article 2 but none is relevant here.

[^f00134]: S.I. 2014/1195.

[^f00135]: S.I. 2014/1825.

[^f00136]: S.I. 2014/2080. There are several amendments to regulation 1(4) but none is relevant here.

[^f00137]: S.I. 2014/2418.

[^f00138]: S.I. 2014/2908.

[^f00139]: OJ L 337 23.12.2015, p.35.

[^f00140]: S.I. 2015/487.

[^f00141]: S.I. 2015/910.

[^f00142]: S.I. 2015/1945.

[^f00143]: S.I. 2015/1946.

[^f00144]: S.I. 2015/2038

[^f00145]: S.I. 2017/692.

[^f00146]: S.I. 2009/209.

[^f00147]: S.I. 2014/366.

Editorial notes

[^c23030591]: S.I. 2012/1759.

[^c23030601]: 1972 c. 68. Section 2(2) was amended by section 27(1)(a) of the Legislative and Regulatory Reform Act 2006 (c. 51) and the European Union (Amendment) Act 2008 (c. 7), Schedule, Part 1. By virtue of the amendment of section 1(2) by section 1 of the European Economic Area Act 1993 (c. 51) legislation may be made under section 2(2) of the European Communities Act to implement obligations of the United Kingdom created or arising by or under the Agreement on the European Economic Area signed at Oporto on 2nd May 1992 (Cm 2073) and the Protocol adjusting the Agreement signed at Brussels on 17th March 1992 (Cm 2183).

[^c23030611]: 2000 c. 8. Section 22(5) provides that “specified” means specified in an order made by the Treasury. Paragraph 25 of Schedule 2 makes provision supplementing section 22. Schedule 1ZA was inserted by section 6 of the Financial Services Act 2012 (c. 21), and paragraph 20 was amended by paragraph 4 of Schedule 10 to the Financial Services (Banking Reform) Act 2013 (c. 33).

[^c23030621]: 2004 c. 5. Section 3 was amended by sections 60 to 62 of the Deregulation Act 2015 (c. 20).

[^c23030631]: 2005 c. 5. Section 694 is supplemented by the remainder of Chapter 3 of Part 6. Section 694 was amended by section 40(2) of the Finance Act 2011 (c. 11), and is applied with modifications by section 151 of the Taxation of Chargeable Gains Act 1992 (c. 12).

[^c23030641]: 2012 c. 21. Section 85(2) was substituted by paragraph 10 of Schedule 2 to the Financial Services (Banking Reform) Act 2013.

[^c23030651]: 2013 c. 33.

[^c23030661]: S.I. 2001/1420.

[^c23030671]: 2002 c. 40.

[^c23030681]: S.I. 2011/99.

[^c23030691]: S.I. 1975/1023.

[^c23030721]: 2011 c. 25.

[^c23030731]: 2005 asp 10. There are amendments to section 106 but none is relevant to these Regulations.

[^c23030741]: 2008 c. 12.

[^c23030751]: S.I. 1999/2979. There are amendments to regulation 2, but none is relevant here.

[^c23030791]: OJ L 182, 29.6.2013, p.19.

[^c23030801]: OJ L 74, 14.3.2014, p.8.

[^c23030811]: OJ L 123, 19.5.2015, p.1.

[^c23030821]: OJ L 124, 20.5.2003, p.36.

[^c23030841]: 2006 c. 46.

[^c23030851]: S.I. 1999/2979. The definition of “participant” in regulation 2(1) was amended by S.I. 2010/2993.

[^c23030861]: OJ L 337 23.12.2015, p.35.

[^c23030871]: 1974 c. 39. The definition of “regulated agreement” was substituted by S.I. 2013/1881.

[^c23030881]: S.I. 1999/2979. The definition of “transfer order” in regulation 2(1) was amended by S.I. 2010/2993.

[^c23030891]: 1979 c.34. The definition of “credit union” in section 31(1) was substituted by paragraph 16 of Schedule 4 to the Co-operative and Community Benefit Societies Act 2014 (c. 14).

[^c23030901]: S.I. 1985/1205 (N.I. 12).

[^c23030911]: 1987 c. 22. The Act was repealed from 1st December 2001 by S.I. 2001/3649.

[^c23030921]: S.I. 2017/692.

[^c23030931]: 2002 c. 29, as amended by sections 102 to 106 of, and paragraphs 173 and 174 of Schedule 4 and Part 2 of Schedule 17 to, the Serious Organised Crime and Police Act 2005 (c. 15), paragraphs 129 to 135 of Schedule 8 to the Crime and Courts Act 2013 (c. 22), section 37 of the Serious Crime Act 2015 (c. 9) and sections 10 to 12 of, and paragraphs 37 and 38 of Schedule 5 to, the Criminal Finances Act 2017 (c. 22), and by S.I. 2006/308, 2007/3398.

[^c23030941]: 2000 c. 11.

[^c23030951]: S.I. 2010/1197, revoked by S.I. 2011/2742.

[^c23030961]: S.I. 2011/2742, as renamed by S.I. 2016/937.

[^c23030971]: 2010 c. 38.

[^c23030981]: S.I. 2011/99.

[^c23031011]: S.I. 1999/2979. The definition of “default arrangements” was amended by S.I. 2006/50, 2010/2993 and 2013/504.

[^c23031031]: 2006 c. 46. Section 495 was amended by S.I. 2013/3008, 2016/649 and 2017/516. Section 498 was amended by S.I. 2008/393, 2013/1970 and 2016/649.

[^c23031041]: S.I. 2008/1911. Regulation 39 was amended by S.I. 2016/575. Regulation 40 was amended by S.I. 2009/1804.

[^c23031051]: S.I. 2017/692.

[^c23031061]: 1974 c. 39.

[^c23031071]: 1973 c. 39. Section 98A was inserted by S.I. 2010/1010.

[^c23031081]: 2002 c. 29. Section 333A was inserted by S.I. 2007/3398 and amended by paragraph 132 of Schedule 8 to the Crime and Courts Act 2013 (c. 22).

[^c23031091]: S.I. 2013/3134. Regulation 6 was amended by S.I. 2015/1629.

[^c23031101]: OJ L 94, 30.3.2012, p.22.

[^c23031111]: 2000 c. 8. Schedule 1ZA was substituted by Schedule 3 to the Financial Services Act 2012 (c. 21). Paragraph 23 was amended by paragraph 7 of Schedule 8 to the Financial Services (Banking Reform) Act 2013 (c. 33), paragraph 16 of Schedule 3 to the Pension Schemes Act 2015 (c.8) and section 29 of the Bank of England and Financial Services Act 2016 (c. 14), and by S.I. 2013/1773.