The pension counsellor

Regulations

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Operating in the turbulent wake of the Mirror Group pensions scandal, which came to light in late 1991, the UK Occupational Pensions Regulatory Authority (Opra) was primarily a policeman - Opra's main aim was to protect members' interests and see that company pension schemes obeyed the law.

Since the Pensions Regulator succeeded Opra last April, however, it has been more a counsellor than a constable. "We still have powers to deal with malfeasance, but a lot of what we do now is to do with market

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