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    , "items" : [{"_about" : "http://data.parliament.uk/resources/1130880", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1130880/answer", "answerText" : {"_value" : "<p>The Financial Conduct Authority (FCA) introduced rules in 2015 to require contract-based pension providers to set up independent governance committees (IGCs) to address poor consumer outcomes.<\/p><p>IGCs have a duty to scrutinise the value for money of the provider\u2019s workplace personal pension schemes, taking into account transaction costs, raising concerns and making recommendations to the provider\u2019s board as appropriate. IGCs have a duty to assess whether all the investment choices available, including default options, are suitable for the interests of consumers.<\/p><p>In 2016, the FCA reviewed IGCs and found that they were \u201cgenerally effective\u201d in influencing and advancing cost reductions for members. The review also found that the Independent Project Board\u2019s work in auditing high legacy charges and implementing IGCs had been successful. As a result, a substantial majority of consumers received improved outcomes regarding costs and charges, with 1m consumers receiving reduced costs and charges.<\/p><p>The FCA has announced that it will undertake a further review of IGCs in 2019/20.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"}
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      , "date" : {"_value" : "2019-06-10", "_datatype" : "dateTime"}
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      , "tablingMemberPrinted" : [{"_value" : "Ms Angela Eagle"}
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