Part 4: Pensions Dashboards Section 118: Qualifying pensions dashboard service 238A Qualifying pensions dashboard services
Subsection (1) sets out the meaning of a pensions dashboard service. It is an electronic communications service by which pensions information may be requested by, and provided to, an individual using the service.
	Subsection (2) enables the Secretary of State to make regulations setting out that a pensions dashboard service must meet certain requirements if it is to be a qualifying pensions dashboard service. The duties imposed by new section 238D (information from occupational pension schemes) and new section 137FAA (information from personal and stakeholder pension schemes) of the Financial Service and Markets Act 2000 (as inserted by this act) apply where the pensions dashboard service meets the requirements for a qualifying pensions dashboard service. This is to ensure that the service meets certain conditions and standards before those responsible for a pension scheme are required to provide pensions information.
	Subsection (3) provides that those requirements may, in particular, relate to what relevant or other information must be provided to the individual using the dashboard service, how and in what circumstances it must be provided, as well as requirements relating to how the service is established, maintained and operated.
	Subsection (4) defines what is meant by "relevant information". This is information set out in the regulations relating to state pensions, basic or additional retirement pension, to occupational or personal pension schemes, or to a particular description of such schemes. This may include information relevant to an individual’s state pension, occupational or personal pensions.
	The regulation-making power in subsection (2) is further illustrated by subsection (5). The regulations may provide that the pensions dashboard service must comply with certain standards, specifications or technical requirements published by the Secretary of State, the Money and Pensions Service or a person specified or described in the regulations (subsection (5)(a)) or that the service provider must meet certain conditions (subsection (5)(b)). The regulations may further provide that a person operating a pensions dashboard service must be a person approved or authorised from time to time by a person or body described in this paragraph (subsection (5)(c)) or require the provider to provide or not to provide certain information, facilities or services in connection with the dashboard service (subsection (5)(d)).
	As set out in the Government’s consultation response, the provision of pensions dashboard services will involve multiple parties, technical services and governance. This is made up of the supporting digital architecture which allows dashboards to work, the dashboards themselves (with which consumers interact) and a governance system which monitors the whole infrastructure.
	Subsection (6) enables the regulations to allow for the making of determinations by Secretary of State, the Money and Pensions Service or a person specified or described in the regulations. This is to enable those identified in regulations to make decisions related to the establishment and running of pensions dashboard services and the related infrastructure.