{
  "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018",
  "json_url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018.json",
  "id": "ukpga/2018/10",
  "title": "Financial Guidance and Claims Act 2018",
  "short_title": "Financial Guidance and Claims Act 2018",
  "long_title": "An Act to make provision establishing a new financial guidance body (including provision about a debt respite scheme); to make provision about the funding of debt advice in Scotland, Wales and Northern Ireland; to provide a power to make regulations prohibiting unsolicited direct marketing in relation to pensions and other consumer financial products and services; and to make provision about the regulation of claims management services.",
  "citation": "2018 c. 10",
  "type": "ukpga",
  "year": "2018",
  "number": "10",
  "version": "current",
  "date": "2018-05-10",
  "revised": true,
  "valid_from": "2026-09-30",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "Financial Guidance etc",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/1/crossheading/establishment-of-the-single-financial-guidance-body",
      "kind": "crossheading",
      "number": null,
      "heading": "Establishment of the single financial guidance body",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/1",
      "kind": "section",
      "number": "1",
      "heading": "The single financial guidance body",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-1",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/establishment-of-the-single-financial-guidance-body"
    },
    {
      "path": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body",
      "kind": "crossheading",
      "number": null,
      "heading": "Objectives and functions of the single financial guidance body",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/2",
      "kind": "section",
      "number": "2",
      "heading": "Objectives",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-2",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/3",
      "kind": "section",
      "number": "3",
      "heading": "Functions",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-3",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/4",
      "kind": "section",
      "number": "4",
      "heading": "Specific requirements as to the pensions guidance function",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-4",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/4A",
      "kind": "section",
      "number": "4A",
      "heading": "Specific functions included in the pensions guidance function",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-4A",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/5",
      "kind": "section",
      "number": "5",
      "heading": "Delegation of functions to delivery partner organisations",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-5",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/6",
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      "heading": "Debt respite scheme: advice to the Secretary of State",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-6",
      "extent": "E+W+N.I.",
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
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      "heading": "Debt respite scheme: regulations",
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      "extent": "E+W+N.I.",
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
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      "path": "section/8",
      "kind": "section",
      "number": "8",
      "heading": "Guidance and directions from the Secretary of State",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-8",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/objectives-and-functions-of-the-single-financial-guidance-body"
    },
    {
      "path": "part/1/crossheading/standards-set-by-the-single-financial-guidance-body",
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      "heading": "Standards set by the single financial guidance body",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/9",
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      "number": "9",
      "heading": "Setting standards",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-9",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/standards-set-by-the-single-financial-guidance-body"
    },
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      "path": "section/10",
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      "heading": "Monitoring and enforcement of standards",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-10",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/standards-set-by-the-single-financial-guidance-body"
    },
    {
      "path": "part/1/crossheading/funding-of-the-single-financial-guidance-body",
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      "heading": "Funding of the single financial guidance body",
      "url": null,
      "extent": null,
      "status": null,
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    },
    {
      "path": "section/11",
      "kind": "section",
      "number": "11",
      "heading": "Financial assistance from the Secretary of State",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-11",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/funding-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/12",
      "kind": "section",
      "number": "12",
      "heading": "Levies under Pension Schemes Act 1993 and Pension Schemes (NI) Act 1993",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-12",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/funding-of-the-single-financial-guidance-body"
    },
    {
      "path": "section/13",
      "kind": "section",
      "number": "13",
      "heading": "Levy under FSMA 2000 for expenses of single financial guidance body",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-13",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/funding-of-the-single-financial-guidance-body"
    },
    {
      "path": "part/1/crossheading/funding-of-debt-advice-in-scotland-wales-and-northern-ireland",
      "kind": "crossheading",
      "number": null,
      "heading": "Funding of debt advice in Scotland, Wales and Northern Ireland",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/14",
      "kind": "section",
      "number": "14",
      "heading": "Levy under FSMA 2000 for debt advice expenses of devolved authorities",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-14",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/funding-of-debt-advice-in-scotland-wales-and-northern-ireland"
    },
    {
      "path": "part/1/crossheading/offence-of-impersonating-the-single-financial-guidance-body",
      "kind": "crossheading",
      "number": null,
      "heading": "Offence of impersonating the single financial guidance body",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/15",
      "kind": "section",
      "number": "15",
      "heading": "False claims about provision of information etc",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-15",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/offence-of-impersonating-the-single-financial-guidance-body"
    },
    {
      "path": "section/16",
      "kind": "section",
      "number": "16",
      "heading": "Offences under section 15 committed by bodies corporate etc",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-16",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/offence-of-impersonating-the-single-financial-guidance-body"
    },
    {
      "path": "part/1/crossheading/information-exchange",
      "kind": "crossheading",
      "number": null,
      "heading": "Information exchange",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/17",
      "kind": "section",
      "number": "17",
      "heading": "Disclosure of information",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-17",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/information-exchange"
    },
    {
      "path": "part/1/crossheading/rules-etc-about-financial-guidance",
      "kind": "crossheading",
      "number": null,
      "heading": "Rules etc about financial guidance",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/18",
      "kind": "section",
      "number": "18",
      "heading": "Personal pension schemes: requirements to refer members to guidance etc",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1/crossheading/rules-etc-about-financial-guidance"
    },
    {
      "path": "section/19",
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      "number": "19",
      "heading": "Occupational pension schemes: requirements to refer members to guidance etc",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-19",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/rules-etc-about-financial-guidance"
    },
    {
      "path": "section/20",
      "kind": "section",
      "number": "20",
      "heading": "FCA general rules: information about the availability of guidance",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-20",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/rules-etc-about-financial-guidance"
    },
    {
      "path": "part/1/crossheading/unsolicited-direct-marketing-approaches",
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      "number": null,
      "heading": "Unsolicited direct marketing approaches",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/21",
      "kind": "section",
      "number": "21",
      "heading": "Unsolicited direct marketing: pensions",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-21",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/unsolicited-direct-marketing-approaches"
    },
    {
      "path": "section/22",
      "kind": "section",
      "number": "22",
      "heading": "Unsolicited direct marketing: other consumer financial products etc",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-22",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/unsolicited-direct-marketing-approaches"
    },
    {
      "path": "part/1/crossheading/miscellaneous",
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      "heading": "Miscellaneous",
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      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "section/23",
      "kind": "section",
      "number": "23",
      "heading": "Power to dissolve the single financial guidance body",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-23",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/miscellaneous"
    },
    {
      "path": "section/24",
      "kind": "section",
      "number": "24",
      "heading": "Regulations dissolving the new single financial guidance body: procedure",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-24",
      "extent": null,
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    },
    {
      "path": "section/25",
      "kind": "section",
      "number": "25",
      "heading": "Minor and consequential amendments",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-25",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/miscellaneous"
    },
    {
      "path": "section/26",
      "kind": "section",
      "number": "26",
      "heading": "Interpretation of Part 1",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-26",
      "extent": null,
      "status": null,
      "parent": "part/1/crossheading/miscellaneous"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "Claims Management Services",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/2/crossheading/transfer-of-regulation-of-claims-management-services-to-fca",
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      "number": null,
      "heading": "Transfer of regulation of claims management services to FCA",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "section/27",
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      "number": "27",
      "heading": "Transfer to FCA of regulation of claims management services",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-27",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/transfer-of-regulation-of-claims-management-services-to-fca"
    },
    {
      "path": "part/2/crossheading/charges-for-claims-management-services",
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      "heading": "Charges for claims management services",
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    },
    {
      "path": "section/28",
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      "heading": "Power of FCA to make rules restricting charges for claims management services",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-28",
      "extent": null,
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      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "section/29",
      "kind": "section",
      "number": "29",
      "heading": "PPI claims and charges for claims management services: general",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-29",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "section/30",
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      "number": "30",
      "heading": "PPI claims: interim restriction on charges before transfer of regulation to FCA",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-30",
      "extent": "E+W",
      "status": null,
      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "section/31",
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      "number": "31",
      "heading": "PPI claims: interim restriction on charges imposed by authorised persons after transfer of regulation to FCA",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-31",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "section/32",
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      "heading": "PPI claims: interim restriction on charges imposed by legal practitioners after transfer of regulation to FCA",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-32",
      "extent": "E+W",
      "status": null,
      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "section/33",
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      "heading": "Legal services regulators' rules: charges for claims management services",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-33",
      "extent": null,
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    },
    {
      "path": "section/34",
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      "heading": "Extension of power of the Law Society of Scotland to make rules",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-34",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/charges-for-claims-management-services"
    },
    {
      "path": "part/2/crossheading/cold-calling-about-claims-management-services",
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      "heading": "Cold calling about claims management services",
      "url": null,
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      "parent": "part/2"
    },
    {
      "path": "section/35",
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      "heading": "Cold calling about claims management services",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-35",
      "extent": null,
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      "parent": "part/2/crossheading/cold-calling-about-claims-management-services"
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    {
      "path": "part/3",
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      "number": "3",
      "heading": "General",
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    },
    {
      "path": "section/36",
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      "number": "36",
      "heading": "Extent",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-36",
      "extent": null,
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    },
    {
      "path": "section/37",
      "kind": "section",
      "number": "37",
      "heading": "Commencement",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-37",
      "extent": null,
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    },
    {
      "path": "section/38",
      "kind": "section",
      "number": "38",
      "heading": "Short title",
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/section-38",
      "extent": null,
      "status": null,
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    },
    {
      "path": "schedule/1",
      "kind": "schedule",
      "number": "1",
      "heading": "THE SINGLE FINANCIAL GUIDANCE BODY",
      "url": null,
      "extent": null,
      "status": null,
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    },
    {
      "path": "schedule/1/crossheading/status",
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    },
    {
      "path": "schedule/1/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": null,
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/schedule-1/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/1/crossheading/status"
    },
    {
      "path": "schedule/1/crossheading/members-general",
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      "heading": "Members: general",
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      "extent": null,
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      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/paragraph/2",
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      "number": "2",
      "heading": null,
      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/schedule-1/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/1/crossheading/members-general"
    },
    {
      "path": "schedule/1/crossheading/nonexecutive-members-tenure",
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      "heading": "Non-executive members: tenure",
      "url": null,
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    },
    {
      "path": "schedule/1/paragraph/3",
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      "url": "https://openlegislation.uk/financial-guidance-and-claims-act-2018/schedule-1/paragraph-3",
      "extent": null,
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      "parent": "schedule/1/crossheading/nonexecutive-members-tenure"
    },
    {
      "path": "schedule/1/crossheading/nonexecutive-members-conflicts-of-interest",
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      "heading": "Non-executive members: conflicts of interest",
      "url": null,
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      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/paragraph/4",
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