Our legal framework

Because we are backed up by law, there are specific legal terms used to describe our role and how we should operate.

On our website, in our publications and when we deal with individual cases we try to make it as easy as possible for people to understand what we do and how we do it. For example, under the legislation not everything we can deal with is described as a complaint, though we often use that word on the website and our leaflets.

Our powers come from two different sets of legislation – one covering personal and occupational pension schemes and another for the Pension Protection Fund (PPF) and the Financial Assistance Scheme (FAS).

The same people act as Ombudsmen under both sets of legislation, the formal titles for their roles are:

  • the Pensions Ombudsman (or Deputy Pensions Ombudsman)
  • the Pension Protection Fund Ombudsman (or Deputy Pension Protection Fund Ombudsman).

Under each set of legislation there are different ways of describing what we can do, rules about what we can and cannot deal with and how we should go about it.

The legislation can be found at www.legislation.gov.uk. Not all revisions and amendments to legislation are available online. You can find out more about plans to update this information at legislation.gov.uk.