{
  "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013",
  "json_url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013.json",
  "id": "uksi/2013/2734",
  "title": "The Occupational and Personal Pension Schemes (Disclosure of Information) Regulations 2013",
  "short_title": "Occupational and Personal Pension Schemes (Disclosure of Information) 2013",
  "long_title": "These Regulations impose requirements on occupational pension schemes and personal pension schemes relating to the provision of information. The Regulations replace the Personal Pension Schemes (Disclosure of Information) Regulations 1987 (S.I. 1987/1110) and the Occupational Pension Schemes (Disclosure of Information) Regulations 1996 (S.I. 1996/1655) which are now revoked. The provisions of those Instruments that are carried forward are consolidated and amended.",
  "citation": "S.I. 2013/2734",
  "type": "uksi",
  "year": "2013",
  "number": "2734",
  "version": "current",
  "date": "2013-10-24",
  "revised": true,
  "valid_from": "2026-07-31",
  "extent": "E+W+S",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "General",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement, expiry, revocations and amendments",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-2",
      "extent": "E+W+S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Recognised trade union",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-3",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Application of these Regulations",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-4",
      "extent": "E+W+S",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Civil penalties relating to occupational pension schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "Information for new and prospective members",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/6",
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      "heading": "Basic scheme information",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-6",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Basic scheme information to be given by certain schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-7",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "part/3",
      "kind": "part",
      "number": "3",
      "heading": "Changes to information",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
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      "heading": "Material alterations to basic scheme information",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-8",
      "extent": null,
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      "path": "regulation/8A",
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      "heading": "Scheme closure: collective money purchase schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-8A",
      "extent": null,
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    {
      "path": "regulation/9",
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      "heading": "Modification by the Regulator",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-9",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Former stakeholder pension schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-10",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "part/4",
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      "number": "4",
      "heading": "Information to be given on request",
      "url": null,
      "extent": null,
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    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Constitution of the scheme",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-11",
      "extent": null,
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    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Annual report",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-12",
      "extent": "E+W+S",
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    },
    {
      "path": "regulation/12A",
      "kind": "regulation",
      "number": "12A",
      "heading": "Additional information available on request: pooled funds",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-12A",
      "extent": null,
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    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Other information to be given on request",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-13",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Transfer credits",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-14",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "part/5",
      "kind": "part",
      "number": "5",
      "heading": "Funding statements, benefit statements and illustrations",
      "url": null,
      "extent": null,
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      "parent": null
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Summary funding statements",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-15",
      "extent": null,
      "status": null,
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    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Statements of benefits: non money purchase benefits",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-16",
      "extent": null,
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    {
      "path": "regulation/16A",
      "kind": "regulation",
      "number": "16A",
      "heading": "Statements of benefits: cash balance benefits",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-16A",
      "extent": null,
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    {
      "path": "regulation/17",
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      "number": "17",
      "heading": "Statements of benefits: money purchase benefits",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-17",
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      "path": "regulation/17A",
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      "heading": "Statements of benefits: collective money purchase schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-17A",
      "extent": null,
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    },
    {
      "path": "part/6",
      "kind": "part",
      "number": "6",
      "heading": "Lifestyling and accessing benefits",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Lifestyling",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18",
      "extent": null,
      "status": null,
      "parent": "part/6"
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    {
      "path": "regulation/18A",
      "kind": "regulation",
      "number": "18A",
      "heading": "Information to be given on request and on a member providing certain information",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18A",
      "extent": null,
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    {
      "path": "regulation/18B",
      "kind": "regulation",
      "number": "18B",
      "heading": "Information to be given on communicating with a member about what the member may do with flexible benefits",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18B",
      "extent": null,
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      "path": "regulation/18C",
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      "number": "18C",
      "heading": "Requirement to refer members and survivors to guidance etc.",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18C",
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    {
      "path": "regulation/18D",
      "kind": "regulation",
      "number": "18D",
      "heading": "Consequential modifications of sections 99 and 101J of the 1993 Act",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18D",
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    {
      "path": "regulation/18E",
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      "number": "18E",
      "heading": "Record-keeping requirements of trustees and managers",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-18E",
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      "path": "regulation/19",
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      "heading": "First information on accessing benefits",
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      "path": "regulation/19A",
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      "heading": "Retirement risk warnings",
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      "path": "regulation/20",
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    {
      "path": "regulation/21",
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      "heading": "Accessing benefits on the death of the member or beneficiary",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-21",
      "extent": null,
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    {
      "path": "part/7",
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      "heading": "Information about benefits in payment",
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      "path": "regulation/22",
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      "heading": "Changes to benefits",
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    {
      "path": "regulation/22A",
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      "path": "regulation/22B",
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      "heading": "Incorrect benefit adjustments in collective money purchase schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-22B",
      "extent": null,
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      "path": "part/8",
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      "heading": "Information about winding up",
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      "path": "regulation/23",
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      "heading": "Personal pension schemes that have begun winding up",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-23",
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      "path": "regulation/24",
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      "heading": "Occupational pension schemes during winding up",
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      "path": "regulation/25",
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      "heading": "Occupational pension schemes after winding up for individual members",
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    {
      "path": "part/9",
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      "heading": "Giving information and documents",
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      "path": "regulation/26",
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      "heading": "Giving information and documents",
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      "path": "regulation/27",
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      "heading": "Provision of information on a website",
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      "path": "regulation/28",
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      "heading": "Provision of information on a website: supplemental",
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      "path": "regulation/29",
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      "heading": "Giving information and documents in certain cases",
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      "path": "regulation/29A",
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      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-29A",
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      "path": "regulation/29B",
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      "heading": "Additional publication requirements for collective money purchase schemes",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/regulation-29B",
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      "path": "regulation/30",
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      "heading": "Responsibility for giving information and documents",
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    {
      "path": "signature",
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      "heading": "Signature",
      "url": "https://openlegislation.uk/occupational-and-personal-pension-schemes-disclosure-of-information-regulations-2013/signature",
      "extent": null,
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    },
    {
      "path": "schedule/1",
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      "number": "1",
      "heading": "Description of schemes",
      "url": null,
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    },
    {
      "path": "schedule/1/paragraph/1",
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      "heading": null,
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    },
    {
      "path": "schedule/1/paragraph/2",
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    },
    {
      "path": "schedule/2",
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      "heading": "Basic information",
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    },
    {
      "path": "schedule/2/part/1",
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      "number": "1",
      "heading": "Information to be given by occupational pension schemes that fall within paragraph 1 of Schedule 1",
      "url": null,
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    {
      "path": "schedule/2/paragraph/1",
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    {
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    {
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