The Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010

• (9) The proviso referred to is that the upper limit must not result in the payment of contributions by the employer, or by the employer and the relevant jobholder, that are less than those required by the relevant quality requirement.

• (10) For the purposes of paragraphs (2) to (9), a reference to “the relevant jobholder” is a reference to each of the relevant jobholders.

Alternative requirements for a hybrid scheme

32G

• (1) Subject to paragraph (2), in relation to a hybrid scheme to the extent to which requirements within section 24(1)(a) of the Act apply or which is referred to in regulation 32J(2), the prescribed alternative requirement is any of the sets of requirements set out in regulation 32E in relation to a money purchase scheme or, in respect of any jobholders accruing rights to benefits under a collective money purchase scheme, the set of requirements set out in regulation 32EA.

• (2) Where, by virtue of a rule made under section 24(2) to (4) of the Act, regulation 43(2) to (4) applies in relation to a hybrid scheme as referred to in paragraph (1), the prescribed alternative requirement is any of the sets of requirements set out in regulation 32E in relation to a money purchase scheme, as modified by regulation 43 but as if regulation 43 were modified as follows—

• (a) in paragraph (2), for “paragraph (a) quality requirements” substitute “elements of the alternative requirement”;

• (b) for paragraph (3)(a), substitute—

(a) all of the elements of the alternative requirement are met apart from either or both of the employer’s contribution requirement (“requirement X”) and the total contribution requirement;

• (c) for paragraph (4)(a), substitute—

(a) the extent to which requirement X is met as a proportion of the minimum rate of employer’s contribution specified in 32E(2)(b), (3)(a)(ii) or (4)(b), as the case may be

; and

• (d) after paragraph (6) of regulation 43, add—

(7) For the purposes of paragraphs (2) to (4)— - “the alternative requirement” means any of the sets of requirements set out in regulation 32E in relation to a money purchase scheme; - “the employer’s contribution requirement” means the requirement set out in regulation 32E(2)(b), 3(a)(ii) or 4(b), as the case may be; and - “the total contribution requirement” means the requirement set out in regulation 32E(2)(c), 3(a)(iii) or (4)(c), as the case may be.

Scheme not to be treated as satisfying the relevant quality requirement in certain circumstances

32H

• (1) Where—

• (a) a certificate has been given in relation to an employer and its relevant jobholders with respect to a relevant quality requirement or an alternative requirement under regulation 32E, 32F or 32G;

• (b) the Regulator is of the view referred to in paragraph (3); and

• (c) one of the conditions referred to in paragraph (4) is, or both of them are, satisfied,

the Regulator may give to the employer a notice as referred to in paragraph (5).

• (1A) Where—

• (a) a certificate has been given in relation to an employer and its relevant jobholders with respect to an alternative quality requirement under regulation 32EA;

• (b) the Regulator is of the view that, when the certificate was given, there were not reasonable grounds for a person to be of the opinion that the scheme was able to satisfy the requirement referred to in regulation 32EA(2); and

• (c) in relation to all or any part of the certification period, the requirement referred to in regulation 32EA(2) was not met,

the Regulator may give to the employer a notice as referred to in paragraph (8A).

• (2) Subject to paragraphs (9) and (10), where the Regulator gives a notice as referred to in paragraph (5) or paragraph (8A) and a requirement of the notice is not complied with within the time specified in the notice, the scheme is not to be treated by virtue of regulation 32A as having satisfied the relevant quality requirement in relation to the relevant jobholders.

• (3) The view referred to is that, when the certificate was given, there were not reasonable grounds for a person to be of the opinion that the scheme was able to satisfy the relevant quality requirement or the applicable alternative requirement, as the case may be, with respect to one or more of the relevant jobholders throughout the certification period.

• (4) The conditions referred to are that, in relation to all or any part of the certification period and one or more of the relevant jobholders—

• (a) a scheme shortfall has occurred;

• (b) where the alternative requirement in regulation 32E(3) (including as applied by 32G) or 32F(4) applied, the condition referred to regulation 32E(3)(b) or 32F(4)(d) was not met.

• (5) The notice referred to is a notice with respect to one or more of the relevant jobholders (not necessarily all of the relevant jobholders referred to in paragraph (4)) and the relevant payment period, requiring the employer, within the period specified in the notice, to pay to the trustees, manager or provider of the scheme —

• (a) subject to sub-paragraph (b), where paragraph (4)(a) applies, the scheme shortfall; or

• (b) where paragraph (4)(b) applies (whether or not paragraph (4)(a) also applies), the shortfall between the contributions that were required to be paid by the employer and those relevant jobholders under the requirements of the scheme or the agreements referred to in regulation 32F(4), as the case may be, and the contributions that were required to be paid by those persons under the first set of requirements in regulation 32E or 32F respectively.

• (6) A notice as referred to in paragraph (5) may also require the employer, within a period specified in the notice, to amend the certificate, under regulation 32B, so that the certification period ends on a specified day, being a day before the last day of the certification period but not before the last day of the relevant payment period.

• (7) A notice as referred to in paragraph (5) must be copied to—

• (a) in the case of a money purchase or hybrid scheme, the trustees or manager of the scheme; or

• (b) in the case of a personal pension scheme, the provider of the scheme.

• (8) Where a notice as referred to in paragraph (5) has been given and, under regulation 32B, the employer amends the certificate so that the certification period ends before the last day of the relevant payment period—

• (a) the relevant payment period shall be treated as though it ended on the last day of the new certification period;

• (b) the employer must, within a period of two weeks beginning with the day on which the certificate was amended, notify the Regulator in writing of the amendment; and

• (c) the Regulator may decide to alter the period, as set out in the notice as referred to in paragraph (5), within which the employer must pay a shortfall of contributions as referred to in that paragraph.

• (8A) The notice referred to is a notice requiring the employer, within the period specified in the notice, to pay to the trustees or managers of the scheme the shortfall between the contributions that are required to be paid by the employer and the relevant jobholders under the scheme, and the contributions that were required to be paid to meet the requirement in regulation 32EA(2) during the certification period.

• (8B) A notice as referred to in paragraph (8A) may also require the employer, within a period specified in the notice, to amend the certificate, under regulation 32B, so that the certification period ends on a specified day, being a day before the last day of the certification period but not before the last day of the relevant payment period.

• (8C) A notice as referred to in paragraph (8A) must be copied to the trustees or manager of the scheme.

• (8D) Where a notice as referred to in paragraph (8A) has been given and the employer amends the certificate under regulation 32B(5) so that the certification period ends before the last day of the relevant payment period—

• (a) the relevant payment period shall be treated as though it ended on the last day of the new certification period;

• (b) the employer must, within a period of two weeks beginning with the day on which the certificate was amended, notify the Regulator in writing of the amendment; and

• (c) the Regulator may decide to alter the period, as set out in the notice as referred to in paragraph (8A), within which the employer must pay a shortfall of contributions as referred to in that paragraph.

• (9) Where the Regulator decides under paragraph (8)(c) or paragraph (8D)(c) to alter the period within which the employer must pay a shortfall, the Regulator must give a notice to the employer informing the employer of the new period within which the shortfall must be paid.

• (10) For the purposes of this regulation—

• (a) “the relevant payment period” means a period, set out in the notice as referred to in paragraph (5) or paragraph (8A), that constitutes all or part of the certification period; and

• (b) “scheme shortfall” means the shortfall between the contributions that are required to be paid by the employer and a relevant jobholder under the scheme, contribution agreements or like agreements referred to in regulation 32F, as the case may be, and the contributions that are required to be paid by those persons under the relevant quality requirement or the applicable alternative requirement (ignoring the requirements in regulations 32E(3)(b) and 32F(4)(d)), as the case may be.

Contributions under alternative requirements during transitional periods

32I

• (1) During the first transitional period referred to in section 29(1) and the second transitional period referred to in section 29(3) of the Act... there are substituted for the percentages referred to in the provisions in the first column of the table below the percentage shown in the corresponding entry for the transitional period in question.

Provision of Regulations	1st Transitional Period	2nd Transitional Period
Regulations 32E(2)(b) and 32F(2)(b)(ii)(first set of requirements – employer)	2%	3%
Regulations 32E(2)(c) and 32F(3)(b)(first set of requirements –total contributions)	3%	6%
Regulations 32E(3)(a)(ii) and 32F(4)(b)(ii)(second set of requirements – employer)	1%	2%
Regulations 32E(3)(a)(iii) and 32F(5)(b)(second set of requirements – total contributions)	2%	5%
Regulations 32E(4)(b) and 32F(6)(b)(ii)(third set of requirements – employer)	1%	2%
Regulations 32E(4)(c) and 32F(7)(b)(third set of requirements – total contributions)	2%	5%

Pension schemes based in an EEA State other than the United Kingdom

32J

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Definitions

32K

• (1) In this Part—

• “actuary” means an actuary appointed by the scheme or the employer;

• “alternative requirement” means an alternative requirement prescribed by regulation 32E, 32EA, 32F or 32G, including regulations 32E and 32F as modified by regulation 32I;

• “basic pay” means the gross earnings of the jobholder from their employment by the employer, disregarding the gross amount of —any commission, bonuses, overtime or similar payments;any shift premium pay; andany reasonable allowance with respect to —any duty of the jobholder, such as a duty in connection with the role of fire or bomb warden, that is ancillary to the main duties of the jobholder’s employment;the cost of relocation of the jobholder to a different place of work;in a case not covered by sub-paragraph (ii), the purchase, lease or maintenance of a vehicle;in a case not covered by sub-paragraph (ii) or (iii), the purchase, lease or maintenance of an item;in a case not covered by sub-paragraph (ii), (iii) or (iv), the delivery of a service to the jobholder;

• “certification period” means the period for which a certificate is in force;

• “collective money purchase scheme” has the meaning set out in section 1(2) of the Pension Schemes Act 2021;

• “earnings” has the same meaning as in section 13(3) of the Act;

• “pensionable earnings” means the gross earnings of the jobholder on which contributions are payable to the pension scheme in question by the employer or the jobholder;

• “shift premium pay” means, where the employer applies different rates of pay to different periods of time for which the jobholder works within a certification period, the difference between the earnings that result from the application of the different rates of pay to the periods to which each of them respectively apply and the earnings that would result from the application of the lowest of the different rates of pay to the total time worked during the certification period.

• (2) In regulations 32E to 32J and this regulation, “certificate” means a certificate that is given in accordance with regulations 32B to 32D.

Appropriate age

Lump sum test scheme requirements

39A

• (1) For the purposes of section 23(6) of the Act the requirement relating to the sum of money is specified in paragraph (2) in the case of a final salary lump sum test scheme and paragraph (3) in the case of an average salary lump sum test scheme.

• (2) The requirement for a final salary lump sum test scheme is that the sum of money to be made available for the provision of benefits to a member amounts to 16% of final pensionable pay, multiplied by the number of years of pensionable service up to a maximum of 40 years.

• (3) The requirement for an average salary lump sum test scheme is that either of the requirements specified in paragraph (4) or paragraph (5) is met.

• (4) The requirement in this paragraph is that the sum of money to be made available for the provision of benefits to a member amounts to 16% of average annual qualifying earnings during pensionable service multiplied by the number of years of pensionable service up to a maximum of 40 years.

• (5) The requirement in this paragraph is that the sum of money to be made available for the provision of benefits to a member amounts to the sum of—

• (a) 8% of average annual qualifying earnings during pensionable service multiplied by the number of years of pensionable service up to a maximum of 40 years; plus

• (b) during any period in which a member is deferred, an amount equal to an annual increase on accrued rights at 3.5% above any increase that is required by virtue of regulation 37(2)(a).

• (6) For the purposes of paragraphs (4) and (5), average annual qualifying earnings are to be calculated on the basis that each year’s qualifying earnings are revalued during pensionable service at—

• (a) the minimum rate specified in regulation 36(4), where paragraph (4) applies; and

• (b) 3.5% above the minimum rate specified in regulation 36(4), where paragraph (5) applies.

• (7) In this regulation—

• “average salary lump sum test scheme” means a test scheme falling within section 23(2)(b) of the Act under which the sum of money is determined by reference to average qualifying earnings over the period of pensionable service;

• “final pensionable pay” means average annual qualifying earnings in the last three tax years preceding the end of pensionable service; and

• “final salary lump sum test scheme” means a test scheme falling within section 23(2)(b) of the Act under which the sum of money is determined by reference to final pensionable pay.

Prescribed requirements for non-UK qualifying schemes

Meaning of “provider”

47A

For the purposes of the definition of “provider” in section 99 of the Act (interpretation of Part) a provider of a personal pension scheme to which section 26 of the Act (quality requirement: UK personal pension schemes) does not apply is a person whose normal business includes the provision of personal pensions.

PART15 — Special occupations

Police members appointed other than under a contract of employment

51

• (1) For the purposes of Part 1 of the Act, a police member who does not hold an appointment under a worker’s contract is to be treated as if they were a worker employed by the SPSA under a worker’s contract.

• (2) In this regulation—

• “police member” means a person—referred to in paragraph 7(2)(c) of Schedule 2 to the Police, Public Order and Criminal Justice (Scotland) Act 2006 who is appointed as a police member of the Scottish Crime and Drug Enforcement Agency in accordance with paragraph 7(1) of that Schedule; orwho serves as a member of staff of the SPSA by virtue of paragraph 10(2) of Schedule 1 to that Act; and

• “the SPSA” means the Scottish Police Services Authority.

Persons working on vessels

52

The relevant provisions apply, without modification, in relation to a person employed or engaged in any capacity on board a ship as if such a person were a worker for the purposes of those provisions.

PART16 — Review

53

• (1) Before the end of the review period, the Secretary of State must—

• (a) carry out a review of regulation 52;

• (b) set out the conclusions of the review in a report; and

• (c) publish the report.

• (2) The report must in particular—

• (a) set out the objectives intended to be achieved by the regulatory system established by that regulation;

• (b) assess the extent to which those objectives are achieved; and

• (c) assess whether those objectives remain appropriate and, if so, the extent to which they could be achieved with a system that imposes less regulation.

• (3) “Review period” means the period of six years beginning with 1st July 2012.

WHAT YOU NEED TO KNOW

Your employer cannot ask you or force you to opt out.

If you are asked or forced to opt out you can tell the Pensions Regulator – see www.thepensionsregulator.gov.uk

If you change your mind you may be able to opt back in – write to your employer if you want to do this.

If you stay opted out your employer will normally put you back into pension saving in around 3 years.

If you change job your new employer will normally put you back into pension saving straight away.

If you have another job your other employer might also put you into pension saving, now or in the future. This notice only opts you out of pension saving with the employer you name above. A separate notice must be filled out and given to any other employer you work for if you wish to opt out of that pension saving as well.

SCHEDULE 2 — Information

1

A statement that the jobholder has been, or will be, enrolled into a pension scheme.

2

The jobholder’s automatic enrolment date, automatic re-enrolment date or enrolment date, as the case may be or, for a jobholder to whom regulation 28 or 29 applies, the day or date mentioned in regulation 6 as modified by regulation 28 or 29, as the case may be.

3

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4

• (1) The value of any contributions payable to the scheme by the employer and the jobholder in any applicable pay reference period.

• (2) The information to be given to the jobholder under sub-paragraph (1) includes information on any change in the value of any contributions payable to the scheme by the employer or jobholder in any applicable pay reference period which will occur as the result of any changes to contributions brought about by the transitional periods for money purchase and personal pension schemes under section 29 of the Act (transitional periods for money purchase and personal pension schemes).

• (3) The “value” of contributions may be expressed as a fixed amount or a percentage of any qualifying earnings or pensionable pay due to the jobholder in any applicable pay reference period.

5

A statement that any contributions payable to the scheme by the jobholder have been or will be deducted from any qualifying earnings or pensionable pay due to the jobholder.

6

Confirmation as to whether tax relief is or will be given on employee contributions.

7

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

8

A statement that the jobholder has the right to opt out of the scheme during the opt out period.

9

A statement indicating the start and end dates of the opt out period applicable to the jobholder if that information is known to the employer but if not, a statement that the opt out period is the period determined in accordance with regulation 9(2) or (3) of the Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010.

10

Where the opt out notice may be obtained.

11

A statement that opting out means that the jobholder will be treated for all purposes as not having become an active member of the scheme on that occasion.

12

A statement that after a valid opt out notice is given to the employer in accordance with regulation 9(2) or (3) any contributions paid by the jobholder will be refunded to the jobholder by the employer.

13

A statement that where the jobholder opts out the jobholder may opt in, in which case the employer will be required to arrange for that jobholder to become an active member of an automatic enrolment scheme once in any 12 month period.

14

A statement that, after the opt out period, the jobholder may cease to make contributions in accordance with scheme rules.

15

A statement that a jobholder who opts out or who ceases active membership of the scheme will normally be automatically re-enrolled into an automatic enrolment scheme by the employer in accordance with regulations made under section 5 of the Act (automatic re-enrolment).

16

A statement that the jobholder may, by giving written notice to the employer, require the employer to make arrangements for the jobholder to become an active member of an automatic enrolment scheme and that the jobholder will be entitled to employer’s contributions.

17

A statement that the worker may, where they are working or ordinarily work in Great Britain and are aged at least 16 and under 75 and are not a member of a pension scheme that satisfies the requirements of section 9 of the Act, by giving written notice to the employer, require the employer to make arrangements for the worker to become an active member of such a pension scheme.

18

A statement that by giving written notice to the employer, the worker who is aged at least 16 and under 75 and—

• (a) who earns more than the lower qualifying earnings limit as specified in section 13(1)(a) of the Act (and the amount must be specified in the statement) and is not an active member of a qualifying scheme, may require the employer to arrange for that worker to become an active member of an automatic enrolment scheme and will be entitled to employer’s contributions; or

• (b) who earns no more than the lower qualifying earnings limit as specified in section 13(1)(a) of the Act (and the amount must be specified in the statement) and is not a member of a pension scheme that satisfies the requirements of section 9 of the Act, may require the employer to arrange for that worker to become an active member of such a pension scheme but will not be entitled to employer’s contributions.

19

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

20

A statement that the employer has deferred automatic enrolment until the deferral date (and the date must be given).

21

A statement that the employer will automatically enrol the worker into an automatic enrolment scheme if, on the deferral date, the worker is aged 22 or more but less than state pension age, is working or ordinarily works in Great Britain, earnings of more than the amount specified in section 3(1)(c) of the Act (and the amount must be given) are payable to the worker and the worker is not already an active member of a qualifying scheme.

22

A statement that the employer intends to defer automatic enrolment in respect of that jobholder until the end of the transitional period for defined benefit and hybrid schemes.

23

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

24

A statement that a written notice from the worker must be signed by the worker or, if it is given by means of an electronic communication, must include a statement that the worker personally submitted the notice.

25

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Editorial notes

[^c2019363]: Section 181 of the Pension Schemes Act 1993 is cited for the meaning it gives to “prescribed” and “regulations”.

[^c2019364]: 1993 c.48; section 111A(15) was inserted by section 9 of the Welfare Reform and Pensions Act 1999 (c.30).

[^c2019365]: Section 124(1) of the Pensions Act 1995 is cited for the meaning it gives to “prescribed” and “regulations”.

[^c2019366]: 1995 c.26; section 49(8) was substituted for section 49(8) as originally enacted by section 10 of the Welfare Reform and Pensions Act 1999.

[^c2019367]: Section 99 of the Pensions Act 2008 is cited for the meaning it gives to “prescribed” and “regulations”.

[^c2019368]: 2008 c.30.

[^c2019378]: 2004 c.35.

[^c2019379]: Section 51 was amended by paragraph 51 of Schedule 12 to the Welfare Reform and Pensions Act 1999 (c.30), section 51(1) of the Child Support, Pensions and Social Security Act 2000 (c.19), section 278 of the Pensions Act 2004 (c.35) and S.I. 2006/745.

[^c2019380]: See the Occupational Pension Schemes (Scheme Administration) Regulations 1996 (S.I. 1996/1715).

[^c2019382]: The rules are available at www.dwp.gov.uk.

[^c2019386]: 1988 c.1.

[^c2019387]: 2003 c.1.

[^c2019388]: S.I. 1996/1715. Regulation 16 was amended by S.I. 1997/786 and 2000/679.

[^c2019389]: S.I. 2000/2692.

[^c2019390]: Section 111A was inserted by the Welfare Reform and Pensions Act 1999, section 9 and amended by section 268 of the Pensions Act 2004.

[^c2019391]: Section 87 of the 1995 Act has been amended but not in a way material to these Regulations.

[^key-021bf0aea326ae513867e96a32ed0baf]: Pt. 7A inserted (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(a), 4

[^key-713166f0782ca61781dfca641063e1e6]: Pt. 15 inserted (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(a), 7

[^key-fcefe07b0adeb004aa0e4e80486663b7]: Pt. 16 inserted (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(a), 8

[^key-517bcedc3cd0fde286e0aed30e2751c7]: Reg. 47A inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 39

[^key-e598af777837ee6414238d934a542d45]: Sch. 2 inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 43(3), Sch.

[^key-baa1a7e55e58b2e6dcdb26a8b914eb50]: Regs. 41 42 revoked (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 36

[^key-8ae4a60c7d13c6748b8fe076fbe28e56]: Words in reg. 48 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 40(a)

[^key-aee7ff7c02e3d4a1693bc1af263ca71d]: Words in reg. 48 inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 40(b)

[^key-bdef8412c6c2f67f3da528458499b0ef]: Words in reg. 49 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 41(a)

[^key-875d025e98e2877a4ad4d17fdba7324b]: Words in reg. 49 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 41(b)

[^key-e68135ca2bee6338a967761af4dfce86]: Words in reg. 49 inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 41(c)

[^key-a1e537de19630fbad8dcdcd048452e25]: Words in reg. 1 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 43(1)

[^key-2b9a198b8e4a1c0d1cf55f0cc60f3b74]: Reg. 2 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 18

[^key-0332c1169e4022f6e0c9d70c73eada8e]: Words in reg. 4 heading substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 19(a)

[^key-bac8b84104b5f71004f048af623a75b9]: Words in reg. 12(1) omitted (1.7.2012) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 21(a)

[^key-e921bb77a2e92289eb86965f9a3910bc]: Words in reg. 12(1)(a)(b) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 21(b)

[^key-f3c142bf2fd188d4d14cfdf49624fdfd]: Reg. 12(2) omitted (1.7.2012) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 21(c)

[^key-80af42a85a8b51ff7425a3d7c86f4fa8]: Words in reg. 12(3) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 21(d)

[^key-322026a0257bc787f99200e36afbb49c]: Reg. 24 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 26

[^key-673013b45814b08bb16d17c44c341a3f]: Regs. 25 26 revoked (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 27

[^key-6b3dcf7e000903b9792634101a6828b0]: Reg. 27 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 28

[^key-d88ca89cc61c510a3d854fcdb37efaad]: Word in reg. 29 substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 29(b)

[^key-baecd17c04e408c6abc515cbe0dc48ce]: Word in reg. 29 omitted (1.7.2012) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 29(c)

[^key-035988a65b7e45ee75fd45ab2979f541]: Words in reg. 29 inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 29(d)

[^key-c2f699f15a032cebfa5c54c8512cc7ee]: Reg. 29(aa) inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 29(e)

[^key-9fe7a6ae379a0b1488a39e8455c8d5c6]: Words in reg. 29(a) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 29(a)

[^key-caef1a97f973dbe1577c6c8ae44a1a9b]: Reg. 34 revoked (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 31

[^key-db458363ae536f0c88a41d90544495bd]: Words in reg. 37(1) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 32(a)

[^key-4c0ab7343321d595fb440577121e670d]: Words in reg. 37(2)(b) added (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 32(b)

[^key-244004657b09b3a2a28e77d431e8dedc]: Words in reg. 39(4)(b)(v) omitted (1.7.2012) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 34

[^key-0c355a5388fce6ef657f2a9b03978705]: Words in reg. 43(1) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 37(a)

[^key-a069367eea02d406ad49af632ea453f5]: Reg. 43(3)(b) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 37(b)

[^key-f7eb42ea9c1bea5af8ed608358609840]: Reg. 43(4)(b) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 37(c)

[^key-93e53ec673674953cab1fc10ab80abf9]: Reg. 43(5)(6) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 37(d)

[^key-3167972072968098538f47a91b614180]: Words in reg. 47(1)(3) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 38(a)

[^key-1a92b65906441f3d49051ae1e68ed61b]: Words in reg. 47(7) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 38(b)

[^key-67f9bca73ebc457e80f03d09b1b19235]: Word in reg. 50(2) substituted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 42

[^key-24413ee65b028f2a919fcbd63d721b5b]: Words in reg. 1(1) substituted (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(b), 3(b)

[^key-8e8fbc3acf0d4134d5751ed9e407019c]: Reg. 35 substituted (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(a), 5

[^key-d3bd66d31783b66785a6645c08f257c3]: Reg. 36(5)(6) substituted for reg. 36(5) (1.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2012 (S.I. 2012/1257), regs. 1(2)(a), 6(b)

[^key-e6ad135654f549972290b17b467c7e28]: Words in Pt. 6 heading inserted (1.7.2012) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2012 (S.I. 2012/215), regs. 1(2)(c), 25

[^key-f864c850e9716424973651047b831c64]: Pt. 1A inserted (2.7.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) (No. 2) Regulations 2012 (S.I. 2012/1477), regs. 1, 2

[^key-fecc16aac358c0ad3f9fcd7005fe15de]: Sch. 1 substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(12)

[^key-157b7face1d7809676194ff7bdbd1e12]: Reg. 4 substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(2)

[^key-6d43fae92dc53fefd60b7af356c885df]: Reg. 5 substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(3)

[^key-3b950b4c7c4509b9fd26e473d640ab31]: Words in reg. 8 omitted (1.11.2013) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(5)(b)

[^key-9534c6dd187b0ce3f3af5dfdb69bc23c]: Reg. 9(6)(a)(aa) substituted for reg. 9(6)(a) (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(6)(a)

[^key-568a285fa57ac61a46fd918f08d2b27f]: Reg. 9(8)(9) inserted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(6)(b)

[^key-e3d907815b4d2fcbf34d3be0252efe4d]: Words in reg. 37(2)(a) substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(8)(a)

[^key-e38a70710a2fd9a48e3f4d40efe9e01c]: Reg. 37(3) substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(8)(b)

[^key-7bb9161434eafc625e48cb8550c704b9]: Reg. 38 and heading substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(9)

[^key-fe26c1944b28db2f98684f9581e69972]: Reg. 39A and heading substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(10)

[^key-a2a07dcaf326c7fda8dba03e495420d4]: Reg. 50(3) substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(11)(a)

[^key-9772dc68e1c584c20d728d694e47559b]: Words in reg. 50(4) substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(11)(b)

[^key-061070d30a561403b74ac94fbe882d4e]: Words in reg. 50(7) substituted (1.11.2013) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(11)(c)

[^key-a1f075552ad145d52f9c8060d4d6fa5c]: Words in reg. 6(1) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-ee665c946ba939dee144b69dfcce99b6]: Words in reg. 7(1)(3) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-62e37fe99bc075c44870e701bd2f568d]: Words in reg. 13(2)(a) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-39b0a3e90d10cfbed6157f10a75eea30]: Words in reg. 18(4)(a) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-e3ecb034abdd557ebb150598cd77c897]: Words in reg. 24(3) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(7)

[^key-7eeb0a6796662672c023b8caba0251cd]: Words in reg. 27(b) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(7)

[^key-c2e4b7bb6c0823c619c1b38dd0cdb041]: Words in reg. 28(a) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-0ea0b0b029f215b02faba64c58fc9c69]: Words in reg. 29(a) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(4)

[^key-3c588275f3a9dc34937446046c2a51cc]: Words in reg. 29(a) substituted (1.4.2014) by The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(2), 5(7)

[^M_F_66cbf89a-7614-4a33-97cf-8f6d1c2bdeaf]: Words in reg. 8 omitted (1.11.2013) by virtue of The Automatic Enrolment (Miscellaneous Amendments) Regulations 2013 (S.I. 2013/2556), regs. 1(1), 5(5)(a)

[^key-70a4a5525bea98cbd4972cd5c2a803f8]: Reg. 36(2)(c) substituted (1.11.2012) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) (No. 3) Regulations 2012 (S.I. 2012/2691), regs. 1, 2(2)

[^key-999a872582d9954a251b42d3fcd01a32]: Reg. 35(1)(c) inserted (14.9.2013) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2013 (S.I. 2013/2328), regs. 1(2), 2(2)

[^key-8bc31ec7de8e0c76a6bd8cfaa7390dff]: Reg. 35(1A) inserted (14.9.2013) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2013 (S.I. 2013/2328), regs. 1(2), 2(3)

[^key-0a5886b956c0a71b153da394cb7c0900]: Words in reg. 35(2) inserted (14.9.2013) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2013 (S.I. 2013/2328), regs. 1(2), 2(4)

[^key-2383f314f841bd9c242cf380196ace22]: Reg. 36(4)(5) substituted (1.4.2014) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2014 (S.I. 2014/715), regs. 1, 2(3)(c)

[^key-2f91aab9af000a2a9220e20983628d28]: Reg. 36(2A) inserted (1.4.2014) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2014 (S.I. 2014/715), regs. 1, 2(3)(b)

[^key-ef9844244d66dc8455f242bd4162b5b7]: Words in reg. 36(1) substituted (1.4.2014) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2014 (S.I. 2014/715), regs. 1, 2(3)(a)

[^key-02fc433556433c9b94b1466cdc893396]: Words in reg. 32I(1) omitted (1.4.2014) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2014 (S.I. 2014/715), regs. 1, 2(2)

[^key-01851bca60742079d40afd132f077a46]: Regs. 5B-5F inserted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 5

[^key-9e2b0649e7766a790f3c00499f91a081]: Pt. 7B inserted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 11

[^key-e6aaa90306f537930154481c9fadc782]: Words in Pt. 1A heading added (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 4

[^key-abc09fc19090bfe0f25efdb24c18bbae]: Word in Sch. 2 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(a)

[^key-573bbc6f322d48a7cd094a3217cf6e2e]: Words in Sch. 2 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(a)

[^key-97a2813591478b42ca55c557c6576619]: Reg. 24(1)-(1B) substituted for reg. 24(1) (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 9(a)

[^key-da6e3ba805ab0e46bbb43e496b0c7389]: Reg. 24(2) omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 9(b)

[^key-58f215d7e98a98d49a53507b50e66e7d]: Words in reg. 2 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 3

[^key-059f25277fcdf298fc5dad5ae9fda9ed]: Reg. 14 revoked (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 6

[^key-3904e65fecc038aa86633c85bbcf771c]: Reg. 17 revoked (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 6

[^key-90d0f7fa49ae65cf544b94c2ea64905a]: Reg. 21 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 7

[^key-f24bc68ba5bd16ceb40f525bf2b1e043]: Words in reg. 23(3) substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 8

[^key-ba646ee2a4759c188927015acc082156]: Words in reg. 27(c) substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 10

[^key-2f6c065484780a385f7f895b4797846e]: Reg. 33 revoked (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 12

[^key-dbbdbd9b1dc77f727b2e63ebf3feac1f]: Word in reg. 40 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 13

[^key-35311c131d6d5b049f69e54853f91886]: Word in reg. 45(3)(a) substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 14(a)

[^key-1531341cbacf9ce5b739bcca3c6b790f]: Words in reg. 45(4) substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 14(b)

[^key-1f74941ab1847f01a73c35b25330b4c3]: Word in reg. 45(6)(b) substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 14(c)

[^key-c91cc16060c2a780c63ed7188503e54a]: Sch. 2 para. 1 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(c)

[^key-d3ef4520756c1c4b0ae87e3b95ddbe7c]: Sch. 2 para. 3 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(b)

[^key-3ef79c6178ab8d8746f18185fc1eebb6]: Words in Sch. 2 para. 6 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(d)

[^key-372243b003cefc3bf11a958ec71ef6c2]: Sch. 2 para. 7 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(b)

[^key-2e0d655a67bc664bb2914e103401a2f5]: Sch. 2 para. 18 substituted (1.4.2015) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(e)

[^key-77cbb145d803d004509a4237ce3291f2]: Sch. 2 para. 19 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(b)

[^key-472de69e73fb43bdf2a4e381c26718ff]: Sch. 2 para. 23 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(b)

[^key-492207adf2aa03450d804a90c5a93c65]: Sch. 2 para. 25 omitted (1.4.2015) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2015 (S.I. 2015/501), regs. 1, 15(b)

[^key-882b889dc5ff6c5da16b3b4e46de8b7c]: Reg. 5EA - Reg. 5EB inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 4(3)

[^key-61276eeb018eaf6cca718eb537d89656]: Reg. 5E(1)(c) substituted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 4(2)

[^key-f73a17418d16f7316f87fd31047331fd]: Words in reg. 5F(1)(a) substituted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 4(4)

[^M_F_bbeb71e0-2147-427a-c1a7-1efab05f2664]: Words in reg. 32M(3) inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(2)

[^M_F_c4244eef-3b6a-4ceb-f2fd-6902882a883b]: Words in reg. 32M(4) inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(3)

[^M_F_8c31ae2b-c526-4970-8428-1ec1d99933a8]: Reg. 32M(5A) - (5D) inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(4)

[^M_F_9661e53a-190c-4cac-cae2-a57cb0819df9]: Words in reg. 32M(6) substituted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(5)

[^M_F_2e86ab20-c3fb-490d-d7a8-f8136f965503]: Words in reg. 32M(9) inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(6)(a)

[^M_F_72b08303-b8c9-4fa2-e89b-e7e8ca8e55c8]: Words in reg. 32M(9)(b) substituted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(6)(b)

[^M_F_4b0198eb-e45f-45a9-976f-37118b85af9a]: Words in reg. 32M(9)(c) omitted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(6)(c)

[^M_F_434f20c4-bde4-4bad-edbe-378e50dc6976]: Words in reg. 32M(9)(d) substituted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(6)(d)

[^M_F_7d6a0911-e259-45d5-deb5-92444b507eda]: Words in reg. 32M(12) inserted (6.4.2016) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Miscellaneous Amendments) Regulations 2016 (S.I. 2016/311), regs. 1(1), 5(7)

[^key-b53dcc79e3d053ad8616fbc43c373aaa]: Reg. 5D(1)(e) inserted (6.3.2017) by The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2017 (S.I. 2017/79), regs. 1, 2

[^key-4fe4af256bdde623c1a2e3dce0a07735]: Word in reg. 1 heading omitted (30.6.2020) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2020 (S.I. 2020/630), regs. 1, 2(a)

[^key-389be6df48c98e21c25a787a18a64ad2]: Reg. 1(1A) omitted (30.6.2020) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2020 (S.I. 2020/630), regs. 1, 2(b)

[^key-1d6e2a2fa814562d2c5ba1376669587e]: Reg. 1(1B) omitted (30.6.2020) by virtue of The Occupational and Personal Pension Schemes (Automatic Enrolment) (Amendment) Regulations 2020 (S.I. 2020/630), regs. 1, 2(b)

[^key-6aff1f05f0a7914fb17837f9ceffb2ca]: Words in reg. 32E(1) omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(2); 2020 c. 1, Sch. 5 para. 1(1)

[^key-7167710ce8d5901011a517a06ba6decd]: Reg. 32J omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(3); 2020 c. 1, Sch. 5 para. 1(1)

[^key-2d779a9bb6943369ce6c3eb3d5c11b04]: Words in reg. 35(1)(a)(i) omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(4)(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-f91b05628e6f5da39c53319e01c05e72]: Reg. 35(1)(b) and word omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(4)(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-4fc08e6209e7c63fac8e51bf2148e717]: Words in reg. 35(2) substituted (31.12.2020) by The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(4)(c); 2020 c. 1, Sch. 5 para. 1(1)

[^key-543ccb225e77a0f8ea5c8814a75f21db]: Reg. 39(7)(a) omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(5); 2020 c. 1, Sch. 5 para. 1(1)

[^key-f70c717acc96668449b30ab61459a65e]: Words in reg. 44 heading substituted (31.12.2020) by The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(6); 2020 c. 1, Sch. 5 para. 1(1)

[^key-f1e50b200d64816b1c66d96ad7bcd163]: Words in reg. 44 substituted (31.12.2020) by The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(6); 2020 c. 1, Sch. 5 para. 1(1)

[^key-263a434b257831a68301f157a9b6b0b4]: Words in reg. 45(1)-(5) substituted (31.12.2020) by The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(7)(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-054f848b9eaf933993fff0b2134b0cff]: Words in reg. 45(7) substituted (31.12.2020) by The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(7)(a); 2020 c. 1, Sch. 5 para. 1(1)

[^key-b6fbf8c1a214eb530b64e071ac39ff57]: Reg. 45(1)(b) and word omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(7)(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-9792b31b8b27e2f0b88d53a2a32927a5]: Reg. 45(3)(b) and word omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(7)(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-b7f9cb3432ae4f84018d1163bbd4df9d]: Reg. 45(7)(b) and word omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(7)(b); 2020 c. 1, Sch. 5 para. 1(1)

[^key-390d1feb268d10fc9173814e80f1703b]: Reg. 46(b) and word omitted (31.12.2020) by virtue of The Occupational and Personal Pension Schemes (Amendment etc.) (EU Exit) Regulations 2019 (S.I. 2019/192), regs. 1, 33(8); 2020 c. 1, Sch. 5 para. 1(1)

[^key-3d258ed3180029fce9dc520cd9666d80]: Reg. 32EA inserted (1.8.2022) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations 2022 (S.I. 2022/255), reg. 1(3), Sch. 7 para. 2(3)

[^key-e6aed45c2a3752d8f8804d95dd986362]: Reg. 32E(1A) inserted (1.8.2022) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations 2022 (S.I. 2022/255), reg. 1(3), Sch. 7 para. 2(2)(b)

[^key-b3996ef4fdc1f8018b9036eeb002da0d]: Words in reg. 32E(1) inserted (1.8.2022) by The Occupational Pension Schemes (Collective Money Purchase Schemes) Regulations 2022 (S.I. 2022/255), reg. 1(3), Sch. 7 para. 2(2)(a)