Who we work with

The PDP is part of the Money and Pensions Service (MaPS) who are responsible for delivering dashboards.

MaPS are also creating a pensions dashboard for everyone to use. The dashboard will be part of the support MaPS offers to consumers about pensions, which includes MoneyHelper and a Pension Wise. These services aim to help people understand their pensions from the start of their working life right through to retirement.

DWP and the DfC (NI) are responsible for the regulations around pensions dashboards. It details the requirements of occupational pensions schemes, setting out what data they must send to dashboards.

Legislation also determines the conditions dashboards will have to meet to be a qualifying dashboard service.

The Financial Conduct Authority (FCA) are responsible for the the rules setting out the dashboard connection and data provision requirements for personal and stakeholder pension providers. They are responsible for ensuring providers comply with these rules.

FCA are also responsible for authorising potential pensions dashboards providers and the rules for firms providing pensions dashboards service.

The Pensions Regulator (TPR) are responsible for ensuring the trustees and managers of occupational pension schemes comply with their duties to connect to the pensions dashboards ecosystem, match dashboards users to their pensions, and return pensions information to their dashboard.

TPR has published guidance to support schemes with their dashboards duties and their compliance and enforcement policy.

The Information Commissioner's Office is the regulatory body that upholds information rights and enforces compliance with the UK General Data Protection Regulation (UK GDPR). This covers the use and storage of personal data.

Using a pensions dashboard will involve the transfer of small amounts of an individual’s personal data between dashboards and data providers, which will all take place within the parameters permitted by UK GDPR.

Pension providers and schemes are responsible for ensuring their members’ data is accurate, up-to-date, and not disclosed without member authorisation. Pension provider and schemes are responsible for setting their data matching criteria and for management of the risk of mismatching. The provider or scheme is also responsible for returning the correct data to the user at their dashboard.

Some pension providers and schemes may choose to outsource their duties to connect to the pensions dashboards ecosystem to an integrated service provider (ISP). However, all the responsibilities for compliance remain with the pension provider or scheme, as the data controller and regulated entity.

The Financial Ombudsman Service was set up to help consumers resolve problems with regulated financial businesses.

It can consider complaints about financial businesses and has the power to put things right if customers are treated unfairly. It will be able to deal with complaints against providers of personal pensions and dashboard providers.

The Pensions Ombudsman offers a free and impartial service to help people resolve their occupational (employment-linked) or personal pension scheme disputes.

The Pensions Ombudsman can consider and investigate complaints about the maladministration of pension schemes.