Updated to 18 February 2026 (Act No. 1 of 2026 and S.I. No. 54 of 2026)
All effects below are reflected in the most recent Revised Act.
Financial Services and Pensions Ombudsman Act 2017
No. 22 of 2017
Contents
Commencement
| Section | Commencement/Effective Date Where the commencement and effective dates differ, the effective date is shown below.
|
Commencement Information |
|---|---|---|
| Whole Act | 1 January 2018 | Financial Services and Pensions Ombudsman Act 2017 (Commencement) Order 2017 (S.I. No. 524 of 2017), art. 2 |
Amendments and other effects
| How Affected | Affecting Provision | Affecting Provision Commencement/Effective Date
Where the commencement and effective dates differ, the effective date is shown below.
|
Commencement Source |
|---|---|---|---|
| S. 2 amended | Credit Review Act 2026 (1/2026), s. 38(a) | ||
| S. 2(1) amended | Automatic Enrolment Retirement Savings System Act 2024 (20/2024), ss. 1(2), 119(a) | 1 January 2026 | Automatic Enrolment Retirement Savings System Act 2024 (Commencement) Order 2024 (S.I. No. 500 of 2024), art. 4(d), as ins. by Automatic Enrolment Retirement Savings System Act 2024 (Commencement) Order 2025 (S.I. No. 439 of 2025), art. 2(b) |
| Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 2(a), (b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 | |
| Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (5/2022), ss. 18(a), (b), 19(2) | 16 May 2022 | Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (Commencement) Order 2022 (S.I. No. 229 of 2022), art. 2 | |
| Markets in Financial Instruments Act 2018 (25/2018), s. 9(1) | 29 October 2018 | Commenced on enactment | |
| S. 2(3) inserted | Markets in Financial Instruments Act 2018 (25/2018), s. 9(2) | 29 October 2018 | Commenced on enactment |
| S. 3(3) substituted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 3, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 4(2)(c)(ii) amended | Automatic Enrolment Retirement Savings System Act 2024 (20/2024), ss. 1(2), 119(b) | 1 January 2026 | Automatic Enrolment Retirement Savings System Act 2024 (Commencement) Order 2024 (S.I. No. 500 of 2024), art. 4(d), as ins. by Automatic Enrolment Retirement Savings System Act 2024 (Commencement) Order 2025 (S.I. No. 439 of 2025), art. 2(b) |
| S. 8(1)(b) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 4(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 8(5) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 4(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 8(6) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 4(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 8(7) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 4(d), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 8(8) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 4(e), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 9(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 5, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 10(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 6(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 10(1A) inserted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 6(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 10(3) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 6(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 10(4) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 6(d), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 11(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 7(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 11(2) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 7(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 11(3) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 7(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 13(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 8(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 13(2) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 8(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 13(3) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 8(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 14(2) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 9(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 14(3) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 9(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 15(11) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 10, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 17(2)(a) substituted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 11(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 17(5)(b) substituted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 11(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 44(2)(c)(i) amended | Credit Review Act 2026 (1/2026), s. 38(b) | ||
| Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 12, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 | |
| S. 47(3)(b) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 13, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 47(10) references construed | Criminal Justice (Perjury and Related Offences) Act (13/2021), s. 4(2), schedule 2 | 28 July 2021 | Criminal Justice (Perjury and Related Offences) Act 2021 (Commencement) Order 2021 (S.I. No. 378 of 2021), art. 2 |
| S. 50(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 14(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 50(3)(c) amended | Credit Review Act 2026 (1/2026), s. 38(c) | ||
| Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 14(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 | |
| S. 55(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 15(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 55(2)(e) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 15(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 56(4) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 16(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 56(4A) inserted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 16(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 58(3A) inserted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 17, 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 59(1)(d) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 18(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 59(1)(e) substituted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 18(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 59(1)(f) inserted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 18(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 60 (4A)-(4C) inserted | Consumer Insurance Contracts Act 2019 (53/2019), ss. 4, 27(2) | 1 September 2020 | Consumer Insurance Contracts Act 2019 (Commencement) Order 2020 (S.I. No. 329 of 2020), art. 3 |
| S. 62(1) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 19(a), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 62(2) substituted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 19(b), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 62(2)(b) substituted | Data Protection Act 2018 (7/2018), ss. 1(3), 231(a) | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
| S. 62(2A) inserted | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 19(c), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 62(3) repealed | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 19(d), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 62(4) amended | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (3/2025), ss. 19(e), 20(2) | 9 May 2025 | Financial Services and Pensions Ombudsman (Amendment) Act 2025 (Commencement) Order 2025 (S.I. No. 171 of 2025), art. 2 |
| S. 62(5) inserted | Data Protection Act 2018 (7/2018), ss. 1(3), 231(b) | 25 May 2018 | Data Protection Act 2018 (Commencement) Order 2018 (S.I. No. 174 of 2018), art. 3 |
SIs made under the Act
| Section | SIs made under the Act |
|---|---|
| S. 4 | Financial Services and Pensions Ombudsman (Compensation) Regulations 2018 (S.I. No. 154 of 2018) |
| S. 6 | Financial Services and Pensions Ombudsman Act 2017 (Establishment Day) Order 2017 (S.I. No. 525 of 2017) |
| S. 43(4) | Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2025 (S.I. No. 133 of 2025) |
| Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2024 (S.I. No. 99 of 2024) | |
| Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2023 (S.I. No. 6 of 2023) | |
| Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2022 (S.I. No. 93 of 2022) | |
| Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2021 (S.I. No. 117 of 2021) | |
| Financial Services and Pensions Ombudsman Act 2017 [Financial Services and Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2020 (S.I. No. 89 of 2020) | |
| Financial Services And Pensions Ombudsman Act 2017 [Financial Services And Pensions Ombudsman Council] Financial Services Industry Levy Regulations 2019 (S.I. No. 201 of 2019) | |
| S. 43(4), sch. | Financial Services and Pensions Ombudsman Act 2017 (Financial Services and Pensions Ombudsman Council) Financial Services Industry Levy Regulations 2018 (S.I. No. 214 of 2018) |