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Pensions Bill

I have a sense that I should quit while I am in front. On the relationship between the FSA and the Pensions Ombudsman, the Bill does not contemplate any change. There may be an ongoing review of that area but the Bill, in a sense, notes that the involvement of the Pensions Regulator in the regulation of the schemes means that there is an ombudsman process. That general ombudsman process is carried forward by using the regulator under the regulators Act. The small technical amendment that I have just moved is to correct an exception to that generality because of the concept that someone is considered never to have been in a scheme if they have been properly enrolled and properly opted out. It addresses only that simple point. The whole issue of the appropriate level of resources for the regulator is a developing field of policy. As soon as we have more concrete proposals, we will be happy to share them with noble Lords. On Question, amendment agreed to. Clause 49 [Prohibited recruitment conduct]: