{
  "legislation": {
    "id": "ukpga/2009/1",
    "title": "Banking Act 2009",
    "short_title": "Banking Act 2009",
    "citation": "2009 c. 1",
    "type": "ukpga",
    "date": "2009-02-12",
    "revised": true,
    "unapplied_effects": 7,
    "url": "https://openlegislation.uk/banking-act-2009",
    "json_url": "https://openlegislation.uk/banking-act-2009.json"
  },
  "direction": "made_to",
  "with": "ukpga/2012/21",
  "count": 172,
  "effects": [
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 244(2)(c)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 2 para. 3(2)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-02-19"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 244(2)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 2 para. 3(2)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-02-19"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 244(2A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 2 para. 3(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-02-19"
    },
    {
      "type": "substituted for s. 8(3)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 8(3)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 9",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 83A and cross-heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 28",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 100(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 36(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 45(8)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 45(8)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 24",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 129A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 45",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 109(4)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 40",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 2(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 53(1)(da)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(9)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 206A(6)(b) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 206A(6)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(10)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 6(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 7(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 48A(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(8)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 246(2)(b)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 246(2)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 58(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 166(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 51",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 234(8)(b)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 234(8)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 56",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 117(2)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 43(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 28(6)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 28(6)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 16",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 42(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 42(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 21",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 100(6)(c)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 36(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 203A 203B",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(8)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 101(7)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 37",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 31(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(4)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 9(4)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 9(4)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 10",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 6(4)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 6(4) (5)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 7(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 186A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 91",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 30",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 187(4)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 41(1)(c) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 41(1)(c) (ca)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 20",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 246(2)(d)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 58(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 44(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(6)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 98(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 35",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 44(4A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(6)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 202A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(7)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 44(6)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 44(6)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 23",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 61(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 249(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 59(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 206A(4)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(10)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 232(7)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 55(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 120",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 44(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 108(1)(b)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 39(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(c)(ii)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "repealed",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 249(4)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 19",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 46(3A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(7)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192 heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(d)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(4A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 57(4)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 26",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 97(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 34",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 157A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 50",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 186(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(4)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 235(6)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 57",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 62(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 96",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 33",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 103 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 38(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 27(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 27(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 15",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 249(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 59(2)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 31(3A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(4)(c)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(5)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(6)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 108(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 39(3)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 191",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 223(5)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 54",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(3)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(c)(iv)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 250(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 60",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 204(4)(b)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 204(4)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(9)(c)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 204(4)(c)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(9)(d)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 93(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 31",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 83(2)(d)(iv)(v)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 83(2)(d)(iv)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(10)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 183(c)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 53(2)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 117(2)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 43(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(4)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 120(10)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 44(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 62(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 232(6)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 55(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 61(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 30(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 30(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 18",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 204(1A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(9)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 29(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(3)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 43(7)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 43(7)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 22",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 223(6)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 54",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 31(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 31(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 19",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 249(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 59(2)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 204(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(9)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 103 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 38(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 108(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 39(3)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 83(2)(d)(iii)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(10)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 232(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 55(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 249(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 59(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 153(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 48",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 42A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 26A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 95(1)(b)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 32",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 26(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 26(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 14",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(c)(i)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 2",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 3",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 120 heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 44(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 61(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 62(c)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 192(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(6)(c)(iii)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 147(6)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 47",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 113(2)(b)(i)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 113(2)(b)(i) (ia)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 41",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 29(4A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(3)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 120(6)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 44(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 25(2)(c) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 25(2)(c) (ca)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 13",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 4(3)(b) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 4(3)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 5",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 206B",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 105",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 157(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 49",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 7(5)(aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 8(6)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 186(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(4)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 29(6)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 29(6)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 17",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 82(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 27(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 204(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 104(9)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 6(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 7(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(11)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 3",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 4",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 232(5B)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 55(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 53(1)(za)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(9)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 10(3)(c)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 10(3)(c) (ca)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 11",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 82(5)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 82(5)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 27(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 46(7)(a) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 46(7)(a) (aa)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 25",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 1(5)(c) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1(5)(c) (d)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 2(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 115(2)(b)(i)",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 115(2)(b)(i) (ia)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 42",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 31(2)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(4)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 108(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 39(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 183(e) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 183(e)-(i)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 53(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 5(5)(b) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 5(5)(b) (ba)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 6",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 46(1)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 97(7)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 145A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 103",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "substituted for s. 24(1)(c) and word",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 24(1)(c) (ca)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 12",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 183(c)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "Sch. 17 para. 53(2)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2013-04-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(7)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(9)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 81B-81D",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(6)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 89A and cross-heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 258A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(7)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 89B-89G and cross-heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(6)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(8)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-06-05"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(8)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 82 cross-heading",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 39A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "word omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 75(5)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 2(9)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 75(5)(cb)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(8)(c)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 36A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 20(1A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 100(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 159A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(6)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 2(8)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(8)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 259 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 102(7)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "entry inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 75(5)(ca)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 101(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2014-08-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 79A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 99(1)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 45(5A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 98(4)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 47(3)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 81A",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 99(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "word substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 1(6)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 99(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "words omitted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 34(7)(a)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 98(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 46(5A)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 98(5)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 34(8) (9)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 98(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 3",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(2)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "words inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 261 Table",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(6)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": true,
      "requires_applied": true,
      "in_force_date": "2015-01-01"
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 4(8A) (8B)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(3)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": false,
      "requires_applied": true,
      "in_force_date": null
    },
    {
      "type": "words substituted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 8(2)(b)",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(4)(a)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": false,
      "requires_applied": true,
      "in_force_date": null
    },
    {
      "type": "inserted",
      "affected": {
        "id": "ukpga/2009/1",
        "title": "Banking Act 2009",
        "provisions": "s. 8(2)(d) and word",
        "url": "https://openlegislation.uk/banking-act-2009"
      },
      "affecting": {
        "id": "ukpga/2012/21",
        "title": "Financial Services Act 2012",
        "provisions": "s. 96(4)(b)",
        "url": "https://openlegislation.uk/financial-services-act-2012"
      },
      "applied": false,
      "requires_applied": true,
      "in_force_date": null
    }
  ],
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}