<Legislation xmlns="http://www.legislation.gov.uk/namespaces/legislation" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26" NumberOfProvisions="450" xsi:schemaLocation="http://www.legislation.gov.uk/namespaces/legislation http://www.legislation.gov.uk/schema/legislation.xsd" SchemaVersion="1.0" RestrictExtent="E+W+S+N.I." RestrictStartDate="2026-07-31"><ukm:Metadata xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:dct="http://purl.org/dc/terms/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:ukm="http://www.legislation.gov.uk/namespaces/metadata">
					<dc:identifier>http://www.legislation.gov.uk/ukpga/1995/26/section/172</dc:identifier><dc:title>Pensions Act 1995</dc:title><dc:description>An Act to amend the law about pensions and for connected purposes.</dc:description><dc:date>1995-07-19</dc:date><dc:type>text</dc:type><dc:format>text/xml</dc:format><dc:language>en</dc:language><dc:publisher>Statute Law Database</dc:publisher><dc:modified>2026-08-04</dc:modified><dc:contributor>Expert Participation</dc:contributor><dct:valid>2026-07-31</dct:valid>
					
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					<ukm:PrimaryMetadata><ukm:DocumentClassification><ukm:DocumentCategory Value="primary"/><ukm:DocumentMainType Value="UnitedKingdomPublicGeneralAct"/><ukm:DocumentStatus Value="revised"/></ukm:DocumentClassification><ukm:Year Value="1995"/><ukm:Number Value="26"/><ukm:EnactmentDate Date="1995-07-19"/><ukm:ISBN Value="0105426954"/><ukm:UnappliedEffects><ukm:UnappliedEffect AffectedClass="UnitedKingdomPublicGeneralAct" Modified="2026-07-31T14:05:44Z" URI="http://www.legislation.gov.uk/id/effect/key-b7ca1ee4a55fdb321b56fe0922ef71ed" Type="inserted" AffectedYear="1995" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" AffectingEffectsExtent="S+A+M+E+A+S+A+F+F+E+C+T+E+D" AffectingNumber="35" EffectId="key-b7ca1ee4a55fdb321b56fe0922ef71ed" Row="76" RequiresApplied="true" AffectedNumber="26" AffectingClass="UnitedKingdomPublicGeneralAct" AffectingYear="2004" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2004/35" AppliedModified="2013-10-22T17:06:43.48+01:00" AffectedProvisions="s. 175(2)(ca)" AffectingProvisions="s. 240(2)"><ukm:AffectedTitle>Pensions Act 1995</ukm:AffectedTitle><ukm:AffectedProvisions><ukm:Section Ref="section-175-2-ca" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/175/2/ca" FoundRef="section-175">s. 175(2)(ca)</ukm:Section></ukm:AffectedProvisions><ukm:AffectingTitle>Pensions Act 2004</ukm:AffectingTitle><ukm:AffectingProvisions><ukm:Section Ref="section-240-2" URI="http://www.legislation.gov.uk/id/ukpga/2004/35/section/240/2">s. 240(2)</ukm:Section></ukm:AffectingProvisions><ukm:Savings><ukm:Section Ref="section-313" URI="http://www.legislation.gov.uk/id/ukpga/2004/35/section/313">s. 313</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-322-1" URI="http://www.legislation.gov.uk/id/ukpga/2004/35/section/322/1">s. 322(1)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect Modified="2026-06-30T09:18:51Z" RequiresApplied="true" AffectedClass="UnitedKingdomPublicGeneralAct" Type="inserted" AffectingEffectsExtent="S+A+M+E+A+S+A+F+F+E+C+T+E+D" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" AffectedProvisions="s. 37(1A)(b)" AffectingNumber="8" Row="18" AffectingYear="2015" URI="http://www.legislation.gov.uk/id/effect/key-4885baac9c460cab5ca486826bd6b1a3" EffectId="key-4885baac9c460cab5ca486826bd6b1a3" AffectedNumber="26" AffectedYear="1995" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2015/8" AffectingProvisions="Sch. 2 para. 7(b)" AffectingClass="UnitedKingdomPublicGeneralAct"><ukm:AffectedTitle>Pensions Act 1995</ukm:AffectedTitle><ukm:AffectedProvisions><ukm:Section Ref="section-37-1A-b" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/37/1A/b" FoundRef="section-37">s. 37(1A)(b)</ukm:Section></ukm:AffectedProvisions><ukm:AffectingTitle>Pension Schemes Act 2015</ukm:AffectingTitle><ukm:AffectingProvisions><ukm:Section Ref="schedule-2" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/schedule/2">Sch. 2 </ukm:Section><ukm:Section Ref="schedule-2-paragraph-7-b" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/schedule/2/paragraph/7/b">para. 7(b)</ukm:Section></ukm:AffectingProvisions><ukm:Savings><ukm:Section Ref="section-87" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/87">s. 87</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-89-4-a" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/89/4/a">s. 89(4)(a)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect AffectedNumber="26" AffectedClass="UnitedKingdomPublicGeneralAct" RequiresApplied="true" AffectingClass="UnitedKingdomPublicGeneralAct" AffectingYear="2015" AffectingEffectsExtent="S+A+M+E+A+S+A+F+F+E+C+T+E+D" AffectingNumber="8" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" EffectId="key-4e36e31e7997cfdef918dadde40ad401" AffectedYear="1995" URI="http://www.legislation.gov.uk/id/effect/key-4e36e31e7997cfdef918dadde40ad401" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2015/8" AffectedProvisions="s. 51(5A)-(5C)" Type="inserted" AffectingProvisions="s. 43(1)" Modified="2026-06-30T09:18:51Z" Comments="Contains power" Row="24"><ukm:AffectedTitle>Pensions Act 1995</ukm:AffectedTitle><ukm:AffectedProvisions><ukm:SectionRange Start="section-51-5A" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/51/5A" FoundStart="section-51" End="section-51-5C" UpTo="http://www.legislation.gov.uk/id/ukpga/1995/26/section/51/5C" FoundEnd="section-51" MissingEnd="true"><ukm:Section Ref="section-51-5A" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/51/5A" FoundRef="section-51">s. 51(5A)</ukm:Section>-<ukm:Section Ref="section-51-5C" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/51/5C" FoundRef="section-51">(5C)</ukm:Section></ukm:SectionRange></ukm:AffectedProvisions><ukm:AffectingTitle>Pension Schemes Act 2015</ukm:AffectingTitle><ukm:AffectingProvisions><ukm:Section Ref="section-43-1" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/43/1">s. 43(1)</ukm:Section></ukm:AffectingProvisions><ukm:Savings><ukm:Section Ref="section-87" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/87">s. 87</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-89-4-a" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/89/4/a">s. 89(4)(a)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect RequiresApplied="true" EffectId="key-96529452e42238efdfd0cfe6e84b2e62" AffectedYear="1995" 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41(1)(b)</ukm:Section></ukm:AffectingProvisions><ukm:Savings><ukm:Section Ref="section-87" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/87">s. 87</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-89-4-a" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/89/4/a">s. 89(4)(a)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect AffectingYear="2015" AffectedClass="UnitedKingdomPublicGeneralAct" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2015/8" Row="26" Modified="2026-06-30T09:18:51Z" RequiresApplied="true" Comments="Contains power" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" AffectedProvisions="s. 51(9)(10)" AffectedNumber="26" AffectingProvisions="s. 42(3)" Type="inserted" AffectingClass="UnitedKingdomPublicGeneralAct" 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87</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-89-4-a" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/89/4/a">s. 89(4)(a)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect EffectId="key-923462ec6613c506da4d3f91644ec9e6" AffectedYear="1995" AffectedNumber="26" AffectingYear="2015" Type="inserted" AffectedClass="UnitedKingdomPublicGeneralAct" AffectingClass="UnitedKingdomPublicGeneralAct" RequiresApplied="true" Row="31" AffectingProvisions="s. 45(3)" AffectedProvisions="s. 67A(3)(aa)-(ac)" AffectingEffectsExtent="S+A+M+E+A+S+A+F+F+E+C+T+E+D" AffectingNumber="8" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" URI="http://www.legislation.gov.uk/id/effect/key-923462ec6613c506da4d3f91644ec9e6" Modified="2026-06-30T09:18:51Z" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2015/8"><ukm:AffectedTitle>Pensions Act 1995</ukm:AffectedTitle><ukm:AffectedProvisions><ukm:SectionRange Start="section-67A-3-aa" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/67A/3/aa" FoundStart="section-67A" End="section-67A-3-ac" UpTo="http://www.legislation.gov.uk/id/ukpga/1995/26/section/67A/3/ac" FoundEnd="section-67A" MissingEnd="true"><ukm:Section Ref="section-67A-3-aa" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/67A/3/aa" FoundRef="section-67A">s. 67A(3)(aa)</ukm:Section>-<ukm:Section Ref="section-67A-3-ac" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/67A/3/ac" FoundRef="section-67A">(ac)</ukm:Section></ukm:SectionRange></ukm:AffectedProvisions><ukm:AffectingTitle>Pension Schemes Act 2015</ukm:AffectingTitle><ukm:AffectingProvisions><ukm:Section Ref="section-45-3" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/45/3">s. 45(3)</ukm:Section></ukm:AffectingProvisions><ukm:Savings><ukm:Section Ref="section-87" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/87">s. 87</ukm:Section></ukm:Savings><ukm:CommencementAuthority><ukm:Section Ref="section-89-4-a" URI="http://www.legislation.gov.uk/id/ukpga/2015/8/section/89/4/a">s. 89(4)(a)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect><ukm:UnappliedEffect AffectedURI="http://www.legislation.gov.uk/id/ukpga/1995/26" EffectId="key-6ed04256119e5faf44cb71cbe282bfae" AffectedYear="1995" AffectingNumber="8" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2015/8" Modified="2026-06-30T09:18:51Z" AffectingYear="2015" RequiresApplied="true" Row="34" AffectedClass="UnitedKingdomPublicGeneralAct" AffectedNumber="26" AffectingEffectsExtent="S+A+M+E+A+S+A+F+F+E+C+T+E+D" 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				</ukm:Metadata><Primary><Body DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/body" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/body" NumberOfProvisions="229" RestrictExtent="E+W+S+N.I." RestrictStartDate="2026-07-31"><Part DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/part/IV" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/part/IV" NumberOfProvisions="39" id="part-IV" RestrictStartDate="2026-04-29"><Number>Part IV</Number><Title> Miscellaneous and General</Title><Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/part/IV/crossheading/official-and-public-service-pensions" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/part/IV/crossheading/official-and-public-service-pensions" NumberOfProvisions="3" id="part-IV-crossheading-official-and-public-service-pensions" RestrictStartDate="2014-01-01"><Title> Official and public service pensions</Title><P1group ConfersPower="true" RestrictExtent="E+W+S+N.I." RestrictStartDate="2014-01-01"><Title> Information about public service schemes.</Title><P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172" id="section-172"><Pnumber>172</Pnumber><P1para><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/1" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1" id="section-172-1"><Pnumber>1</Pnumber><P2para><Text>In prescribed circumstances, the Secretary of State may provide information to any prescribed person in connection with the following questions—</Text><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/1/a" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1/a" id="section-172-1-a"><Pnumber>a</Pnumber><P3para><Text>whether an individual who during any period—</Text><P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/1/a/i" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1/a/i" id="section-172-1-a-i"><Pnumber>i</Pnumber><P4para><Text>has been eligible to be an active member of an occupational pension scheme under the <CommentaryRef Ref="c2136392"/>Superannuation Act 1972, but</Text></P4para></P4><P4 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/1/a/ii" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1/a/ii" id="section-172-1-a-ii"><Pnumber>ii</Pnumber><P4para><Text>has instead made contributions to a personal pension scheme,</Text></P4para></P4><Text>has suffered loss as a result of a contravention which is actionable under section 62 of the <CommentaryRef Ref="c2136393"/>Financial Services Act 1986  <Addition ChangeId="key-2886899f32096ecf89a76dd5373c17d1-1590493145002" CommentaryRef="key-2886899f32096ecf89a76dd5373c17d1">or under  </Addition><Addition ChangeId="key-2886899f32096ecf89a76dd5373c17d1-1590493145002" CommentaryRef="key-2886899f32096ecf89a76dd5373c17d1"><Substitution ChangeId="key-e493d1ef79321dd1673e72bb8cfa7dfa-1594289409506" CommentaryRef="key-e493d1ef79321dd1673e72bb8cfa7dfa">section 138D</Substitution></Addition><Addition ChangeId="key-2886899f32096ecf89a76dd5373c17d1-1590493145002" CommentaryRef="key-2886899f32096ecf89a76dd5373c17d1">  of the Financial Services and Markets Act 2000</Addition> (actions for damages in respect of contravention of rules <Abbreviation Expansion="et cetera" xml:lang="la">etc.</Abbreviation> made under the Act), and</Text></P3para></P3><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/1/b" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1/b" id="section-172-1-b"><Pnumber>b</Pnumber><P3para><Text>if so, what payment would need to be made to the occupational scheme in respect of the individual to restore the position to what it would have been if the individual had been an active member of the occupational scheme throughout the period in question,</Text></P3para></P3><Text>and may impose on that person reasonable fees in respect of administrative expenses incurred in providing that information.</Text></P2para></P2><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/2" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/2" id="section-172-2"><Pnumber>2</Pnumber><P2para><Text>Where—</Text><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/2/a" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/2/a" id="section-172-2-a"><Pnumber>a</Pnumber><P3para><Text>such an individual as is mentioned in subsection (1) is admitted or readmitted as an active member of an occupational pension scheme under the <CommentaryRef Ref="c2136394"/>Superannuation Act 1972, or</Text></P3para></P3><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/2/b" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/2/b" id="section-172-2-b"><Pnumber>b</Pnumber><P3para><Text>a payment is made to the Secretary of State in respect of such an individual for the purpose mentioned in paragraph (b) of that subsection,</Text></P3para></P3><Text>the Secretary of State may impose on any prescribed person reasonable fees in respect of administrative expenses incurred in connection with the admission, readmission or payment.</Text></P2para></P2><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/3" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/3" id="section-172-3"><Pnumber>3</Pnumber><P2para><Text>In the case of an occupational pension scheme under section 1 of the Superannuation Act 1972 (superannuation of civil servants), the references in subsections (1) and (2) to the Secretary of State shall be read as references to the Minister for the Civil Service, or such person as may be prescribed.</Text></P2para></P2><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/4" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/4" id="section-172-4"><Pnumber>4</Pnumber><P2para><Text>In the case of an occupational pension scheme under section 7 of the Superannuation Act 1972 (superannuation of persons employed in local government etc.), the references in subsections (1) and (2) to the Secretary of State shall be read as references to a prescribed person.</Text></P2para></P2><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/1995/26/section/172/5" IdURI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/5" id="section-172-5"><Pnumber>5</Pnumber><P2para><Text>In this section—</Text><UnorderedList Decoration="none" Class="Definition"><ListItem><Para><Text>“<Term id="term-prescribed">prescribed</Term>” means—</Text></Para><OrderedList Type="roman" Decoration="parens"><ListItem NumberOverride="i"><Para><Text>in the case of a scheme made under section 1 of the Superannuation Act 1972, prescribed by a scheme made by the Minister for the Civil Service, or</Text></Para></ListItem><ListItem NumberOverride="ii"><Para><Text>in any other case, prescribed by regulations made by the Secretary of State, and</Text></Para></ListItem></OrderedList></ListItem><ListItem><Para><Text>“<Term id="term-active-member">active member</Term>”, in relation to an occupational pension scheme, has the same meaning as in Part I.</Text></Para></ListItem></UnorderedList></P2para></P2></P1para></P1></P1group></Pblock></Part></Body></Primary><Commentaries><Commentary id="c2136392" Type="M"><Para><Text><Citation URI="http://www.legislation.gov.uk/id/ukpga/1972/11" id="d26395e1" Year="1972" Class="UnitedKingdomPublicGeneralAct" Number="11">1972 c. 11</Citation>. </Text></Para></Commentary><Commentary id="c2136393" Type="M"><Para><Text><Citation URI="http://www.legislation.gov.uk/id/ukpga/1986/60" id="d26397e1" Year="1986" Class="UnitedKingdomPublicGeneralAct" Number="60">1986 c. 60</Citation>. </Text></Para></Commentary><Commentary id="c2136394" Type="M"><Para><Text><Citation URI="http://www.legislation.gov.uk/id/ukpga/1972/11" id="d26399e1" Year="1972" Class="UnitedKingdomPublicGeneralAct" Number="11">1972 c. 11</Citation>. </Text></Para></Commentary><Commentary id="key-2886899f32096ecf89a76dd5373c17d1" Type="F"><Para><Text>Words in s. 172(1)(a) inserted (1.12.2001) by <Citation URI="http://www.legislation.gov.uk/id/uksi/2001/3649" id="csa5q3gk3-00007" Class="UnitedKingdomStatutoryInstrument" Year="2001" Number="3649" Title="The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001">The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001 (S.I. 2001/3649)</Citation>, <CitationSubRef CitationRef="csa5q3gk3-00007" id="csa5q3gk3-00008" URI="http://www.legislation.gov.uk/id/uksi/2001/3649/article/1" SectionRef="article-1">arts. 1</CitationSubRef>, <CitationSubRef CitationRef="csa5q3gk3-00007" id="csa5q3gk3-00009" URI="http://www.legislation.gov.uk/id/uksi/2001/3649/article/148" SectionRef="article-148" Operative="true">148</CitationSubRef></Text></Para></Commentary><Commentary id="key-e493d1ef79321dd1673e72bb8cfa7dfa" Type="F"><Para><Text>Words in <CitationSubRef id="cu0xwgs93-00006" SectionRef="section-172-1-a" URI="http://www.legislation.gov.uk/id/ukpga/1995/26/section/172/1/a">s. 172(1)(a)</CitationSubRef> substituted (1.4.2013) by <Citation URI="http://www.legislation.gov.uk/id/ukpga/2012/21" id="cu0xwgs93-00007" Class="UnitedKingdomPublicGeneralAct" Year="2012" Number="21" Title="Financial Services Act 2012">Financial Services Act 2012 (c. 21)</Citation>, <CitationSubRef CitationRef="cu0xwgs93-00007" id="cu0xwgs93-00008" SectionRef="section-122-3" URI="http://www.legislation.gov.uk/id/ukpga/2012/21/section/122/3">s. 122(3)</CitationSubRef>, <CitationSubRef CitationRef="cu0xwgs93-00007" id="cu0xwgs93-00009" SectionRef="schedule-18-paragraph-82-3" URI="http://www.legislation.gov.uk/id/ukpga/2012/21/schedule/18/paragraph/82/3" Operative="true">Sch. 18 para. 82(3)</CitationSubRef> (with <CitationSubRef CitationRef="cu0xwgs93-00007" id="cu0xwgs93-00010" SectionRef="schedule-20" URI="http://www.legislation.gov.uk/id/ukpga/2012/21/schedule/20">Sch. 20</CitationSubRef>); <Citation URI="http://www.legislation.gov.uk/id/uksi/2013/423" id="cu0xwgs93-00011" Class="UnitedKingdomStatutoryInstrument" Year="2013" Number="423" Title="The Financial Services Act 2012 (Commencement No. 2) Order 2013">S.I. 2013/423</Citation>, <CitationSubRef CitationRef="cu0xwgs93-00011" id="cu0xwgs93-00012" SectionRef="article-3" URI="http://www.legislation.gov.uk/id/uksi/2013/423/article/3">art. 3</CitationSubRef>, <CitationSubRef CitationRef="cu0xwgs93-00011" id="cu0xwgs93-00013" SectionRef="schedule" URI="http://www.legislation.gov.uk/id/uksi/2013/423/schedule">Sch.</CitationSubRef></Text></Para></Commentary></Commentaries></Legislation>