http://www.legislation.gov.uk/ukpga/2012/21/section/86/2018-10-26Financial Services Act 2012An Act to amend the Bank of England Act 1998, the Financial Services and Markets Act 2000 and the Banking Act 2009; to make other provision about financial services and markets; to make provision about the exercise of certain statutory functions relating to building societies, friendly societies and other mutual societies; to amend section 785 of the Companies Act 2006; to make provision enabling the Director of Savings to provide services to other public bodies; and for connected purposes.texttext/xmlenStatute Law Database2026-08-12Expert Participation2018-10-26 Financial Services Act 2012ActWater Act 2014s. 79(4)s. 94(3)Financial Services Act 2012ActWater Act 2014s. 81(10)s. 94(3) PART 6 861Before making the complaints scheme, the regulators must publish a draft of the proposed scheme in the way appearing to them to be best calculated to bring it to the attention of the public.2The draft must be accompanied by notice that representations about it may be made to any of the regulators within a specified time.3Before making the proposed complaints scheme, the regulators must have regard to any representations made to any of them in accordance with subsection (2).4If the regulators make the proposed complaints scheme, they must publish an account, in general terms, of—athe representations made to any of them in accordance with subsection (2), andbtheir response to the representations.5If the complaints scheme differs from the draft published under subsection (1) in a way which is, in the opinion of the regulators, significant the regulators must (in addition to complying with subsection (4)) publish details of the difference.6The regulators must publish up-to-date details of the complaints scheme including, in particular, details of—athe provision made under section 87(5), andbthe powers which the investigator has to investigate a complaint.7Those details must be published in the way appearing to the regulators to be best calculated to bring them to the attention of the public.8The regulators must notify the Treasury of the publication of details under subsection (6).9A regulator may charge a reasonable fee for providing a person with a copy of—aa draft published under subsection (1), orbdetails published under subsection (6).10Subsections (1) to (5) and (9)(a) also apply to a proposal to alter or replace the complaints scheme.S. 86 in force at 24.1.2013 for specified purposes by S.I. 2013/113, art. 2(1)(c), Sch. Pt. 3Ss. 84-86 applied by SI 2001/2326 art. 18(2) (as amended) (1.4.2013) by The Financial Services Act 2012 (Consequential Amendments and Transitional Provisions) Order 2013 (S.I. 2013/472), Sch. 2 paras. 49(b)(bb)-(ff), (ii)S. 86 in force at 1.4.2013 in so far as not already in force by S.I. 2013/423, art. 3, Sch.