A member of an occupational pension scheme who believes trustees are not complying with the Pensions Act should refer their complaint to which body?

• A. Financial Services & Pensions Ombudsman.
• B. Central Bank.
• C. Pensions Authority.
• D. Minister for Social Protection.

Answer: (C)

Regulatory enforcement for pensions rests with the Pensions Authority. If you believe trustees aren’t complying with the Pensions Act, you should refer the concern to the Pensions Authority so they can investigate and take appropriate action. The Central Bank regulates banks, insurers, and other financial services, not the governance of pension schemes. The Financial Services & Pensions Ombudsman handles complaints about financial service providers, but the question of non-compliance with pension law is handled by the Pensions Authority. The Minister for Social Protection is a government role, not a regulator or complaints body for pension scheme breaches.