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1237541

registered interest
date	24/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, if she will provide a breakdown of the types of pension scams that have occurred since the start of the covid-19 outbreak.
tabling member constituency	Airdrie and Shotts
tabling member printed	Neil Gray
uin	95089
answer	answer is ministerial correction date of answer 02/10/2020 answer text <p>DWP is working across government and with regulators to monitor and respond to any increases in transfers or pension scams. To date, this monitoring has revealed little evidence to demonstrate an increase in either transfers or scams across the industry as a whole as confirmed by the independent regulator. This has been confirmed by responses from industry. The Government will continue to monitor and respond to any emerging evidence.</p><p> </p><p>The Government established Project Bloom, a cross-government taskforce that brings together law enforcement, government and industry to share intelligence, raise awareness of and the reporting of scams through public communication campaigns, and take enforcement action where appropriate.</p><p> </p><p>Please see links below for more information about the joint statement from Regulators and the Money Advice Service, and help available, produced by the Pension Protection Fund and supported by government.</p><p><a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions</a></p><p><a href="https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf" target="_blank">https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf</a></p><p> </p><p>The Government continues to work with Regulators and enforcement agencies to prevent scams and take appropriate action. In the period March - July 2020, 116 reports of possible pension fraud were received by Action Fraud, compared to 179 for the same period in 2019.</p><p> </p><p>Project Bloom has identified that the methodology of scammers is continually evolving, moving away from the traditional type of theft of peoples pensions through setting up a sham scheme, towards investment related fraud. Investment related fraud includes persuading individuals to invest in ventures that do not exist or using multiple charging structures that the member is not aware of.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 02/10/2020 13:56:13 answering member 4142 label Biography information for Guy Opperman
tabling member	4365 label Biography information for Neil Gray

1237549

registered interest
date	24/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what discussions her Department has had with (a) regulators, (b) pension providers and (c) HMRC on taking steps to encourage pension scam victims to report those scams.
tabling member constituency	Airdrie and Shotts
tabling member printed	Neil Gray
uin	95095
answer	answer is ministerial correction date of answer 02/10/2020 answer text <p>DWP works with other government departments, regulators, police, enforcement agencies and the pensions industry to raise public awareness of pension scams and encourage the reporting of scams by victims. The Government established Project Bloom, a cross-government taskforce that brings together law enforcement, government and industry to share intelligence, raise awareness of and the reporting of scams through public communication campaigns, and take enforcement action where appropriate.</p><p> </p><p>Project Bloom monitors the evolution of scam typology and the measures that all agencies including providers and financial professionals can take to help prevent scams.</p><p> </p><p>The Government continues to drive forward and endorse better messaging from both TPR and FCA to the public and industry on how to identify a scam. Government helped facilitate and supported the joint statement by regulators at the outset of the Covid-19 pandemic, urging individuals not to make hasty pension decisions.</p><p> </p><p><a href="https://www.ppf.co.uk/sites/default/files/2020-05/COVID-19-and-your-pension.pdf" target="_blank">https://www.ppf.co.uk/sites/default/files/2020-05/COVID-19-and-your-pension.pdf</a>.</p><p> </p><p><a href="https://www.thepensionsregulator.gov.uk/en/media-hub/press-releases/2020-press-releases/covid-19-savers-stay-calm-and-dont-rush-financial-decisions" target="_blank">https://www.thepensionsregulator.gov.uk/en/media-hub/press-releases/2020-press-releases/covid-19-savers-stay-calm-and-dont-rush-financial-decisions</a>.</p><p> </p><p>The Government is also using social media to further endorse the messaging from the regulators, with posts referencing Pension Scams and #ScamSmart in total across Twitter, Facebook and LinkedIn in the period March to September 2020.</p><p> </p><p>The ScamSmart campaign and website have been live since 2014. It started by focusing on just Investment Scams and has grown to incorporate Pension Scams. The aim of all the activity under the ScamSmart brand is to alert consumers to the warning signs that indicate a possible scam is taking place and to drive action, getting consumers to use the FCA Warning List tool and the Register. The national media campaign which ran from July to November 2019 resulted in excess of 220,000 people visiting the website.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 02/10/2020 13:49:26 answering member 4142 label Biography information for Guy Opperman
tabling member	4365 label Biography information for Neil Gray

1233930

registered interest
date	14/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the report by Police Foundation and The People’s Pension Protecting People’s Pensions: Understanding and Preventing Scams, published on 7 September, what action they are taking to protect people from pension scams.
tabling member printed	Baroness Warwick of Undercliffe
uin	HL8100
answer	answer is ministerial correction date of answer 28/09/2020 answer text <p>The Government is committed to safeguarding consumer savings and we want individuals to better understand the choices they have and the risks that exist.</p><p> </p><p>Since the introduction of the pension freedoms in 2015, we have made several legislative interventions to tackle scams. The Finance Act 2018 strengthened the HM Revenue &amp; Customs process for registering pension schemes, thereby reducing the risk of fraudulent schemes being established. In 2019, HM Treasury introduced a ban on pension cold calling, to reduce the chance of individual’s being enticed into such schemes. We are now introducing a clause in the Pension Scheme Bill that allows legislation to set conditions on members’ statutory right to transfer, and thereby introduces two additional barriers to protect people. The clause sets examples of the conditions that must be applied to statutory transfers unless requests are to either a firm regulated and authorised by the Financial Conduct Authority or an authorised Master Trust. The legislation will require members to confirm they have obtained information or guidance of the associated risks of scams, and still want the transfer to go ahead.</p><p> </p><p>We will also be bringing forward new information requirements from the age fifty to those with defined contribution pension savings, that will inform them in more simplified terms, about their retirement options and the availability of guidance to help with their decisions. We see accessing guidance as a natural part of the journey savers take, before making a decision relating to the pension freedoms. Following the recent trials, which showed a nudge to guidance during the application process is effective, we will be commencing section 19 of the Financial Guidance and Claims Act 2018, which amends the Pension Schemes Act 1993.</p><p> </p><p>The Government has, and will, continue to work with industry and regulators to identify the circumstances that cause most concern (‘red flags’), so that we can determine how best to use legislation that ensures members at high risk are protected.</p><p> </p><p>The Department Work and Pensions (DWP) continues to work with other Government Departments, regulators, enforcement agencies and the pensions industry to monitor the evolution of the methods scammers use and raise awareness of these through coordinated campaigns. The pre-COVID campaign, July – November 2019, resulted in over 222,000 visits to the ScamSmart website, to find out how to identify and report a scam.</p><p> </p><p>DWP has also supported industry initiatives such as the Regulators and Money and Pension Service joint statement, to industry encouraging individuals not to make hasty decisions and endorsed equivalent initiatives by the Pension Protection Fund.</p><p> </p><p>DWP has set out warning signs of scams on social media and made 18 posts referencing Pension Scams and ScamSmart in total across Twitter, Facebook and LinkedIn in the period March to September 2020.</p><p> </p><p>We continue to monitor the situation closely and will take necessary action to protect savers from scams.</p> answering member printed Baroness Stedman-Scott question first answered 28/09/2020 16:22:24 answering member 4174 label Biography information for Baroness Stedman-Scott
tabling member	2471 label Biography information for Baroness Warwick of Undercliffe

1232974

registered interest
date	09/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, with reference to the finding of the Financial Conduct Authority that pension scammers take on average £91,000 from each of their victims, what assessment her Department has made of additional protections required to protect UK pensioners (a) in the UK and (b) overseas from pension transfer scams.
tabling member constituency	Weaver Vale
tabling member printed	Mike Amesbury
uin	87643
answer	answer is ministerial correction date of answer 22/09/2020 answer text <p>Action was taken by the Pension Regulator, Financial Conduct Authority, and Money Advice and Pension Service on 7 April pointing to the actions members should seek to take to safeguard against becoming victims of scams. Additional guidance was issued to trustees, and providers from both The Financial Conduct Authority and the Pensions Regulator to support them to produce suitable communications during the Covid-19 outbreak.</p><p> </p><p>Please see links below for more information about the joint statement from Regulators and the Money Advice Service, and help available, produced by the Pension Protection Fund and supported by government.</p><p> </p><p><a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions</a></p><p> </p><p><a href="https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf" target="_blank">https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf</a></p><p> </p><p>All of Government is committed to safeguarding consumer savings amongst those based in the UK and living overseas with UK based pension savings. We have adopted a layered approach building from interventions to assist all pension savers seeking to access their pensions to those who are most at risk of scams.</p><p> </p><p>For all pension savers aged 50 and over, in the lead up to accessing their pension savings, our aim is to support them make informed choices about their retirement income. We are therefore committed to replicating measures introduced by the FCA for contract based schemes for occupational pension schemes and requiring trustees to provide information to pensions savers from the age of 50, in a simpler format, to encourage savers to think about their retirement savings, choices and raise awareness of Pension Wise.</p><p> </p><p>We want to encourage savers with to take appropriate guidance (currently provided by MAPS under the Pension Wise brand) when they exercise their Pension Freedoms by applying to access savings. Recent trials showed a nudge to guidance during the application process is effective. We want to present taking guidance as a natural part of the journey when individuals access their pension savings. We are working with the FCA on rules that would require managers of private pension schemes to Introduce parallel provisions.</p><p> </p><p>Although the majority of transfers are to safe destinations there are still fraudsters who try to entice individuals to transfer to schemes for the purposes of relieving them of their pension savings.</p><p>To help protect people from pension scams, government has introduced an amendment to clause 125 in the Pension Schemes Bill 2020 limiting the statutory right to transfer The clause achieves two things:</p><p> </p><ul><li>it meets the Government’s third commitment in the Pension Scams consultation, namely to introduce in legislation provisions that enable members to be required to provide evidence of an employment link or, if transferring abroad, residency before a statutory transfer can take place; and</li><li>it enables legislation to require people to confirm they have received information or taken guidance about the risk of scams in certain circumstances before a transfer can proceed. We are and will continue to work with industry and regulators to identify the circumstances that cause trustees most concern when a transfer request is received and set those out in the legislation. Where any of these circumstances are identified we will require members seeking to transfer to confirm to trustees that they have obtained information or guidance on the risks of transfer to scam schemes.</li></ul><p> </p><p>In addition, the Government, working with the regulators and the Money and Pension Service, has been communicating with pension savers to alert them to the risk of scams in the current climate. DWP continues to communicate regularly on social media about the warning signs of a scam.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 22/09/2020 12:31:04 answering member 4142 label Biography information for Guy Opperman
tabling member	4667 label Biography information for Mike Amesbury

1233027

registered interest
date	09/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what assessment her Department has made of the potential increase in pension scams since the covid-19 outbreak.
tabling member constituency	Crawley
tabling member printed	Henry Smith
uin	87524
answer	answer is ministerial correction date of answer 17/09/2020 answer text <p>Through Project Bloom, DWP works with other government departments, regulators, enforcement agencies and the pensions industry to monitor the evolution of scam typology and respond with a collective and coordinated response. Project Bloom is examining the range of measures that all agencies including providers and financial professionals could take to help prevent scams.</p><p> </p><p>At the onset of the covid-19 pandemic, the Department convened a cross-government and regulator group to closely monitor and respond to any increase in transfers and scams. The group includes DWP, HMT, both the Pensions Regulator and the FCA as well as the Money and Pensions Service and the Pension Ombudsman. This is supported by cross government and regulator gathering, monitoring and evaluating of data in order to develop as complete and robust a picture as possible. At this point the Department doesn’t yet have any robust evidence showing an increase in pension scams activity but will continue to monitor across the industry.</p><p> </p><p>In addition to active monitoring, the Government, working with the regulators and the Money and Pension Service has been communicating with pension savers to alert them to the risk of scams in the current climate. DWP continues to communicate regularly on social media out the warning signs of a scam. A <a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">joint statement</a> was issued by The Pension Regulator, Financial Conduct Authority, and Money Advice and Pension Service on 7 April pointing to the actions members should seek to take to safeguard against becoming victims of scams. Additional guidance was issued to trustees, and providers from both The Financial Conduct Authority and the Pensions Regulator to support them to produce suitable communications during the Covid-19 outbreak.</p><p> </p><p>Please see links below for more information about the joint statement from Regulators and the Money Advice Service, and help available, produced by the Pension Protection Fund and supported by government.</p><p> </p><p><a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions</a></p><p> </p><p><a href="https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf" target="_blank">https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf</a></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 17/09/2020 15:35:38 answering member 4142 label Biography information for Guy Opperman
tabling member	3960 label Biography information for Henry Smith

1233030

registered interest
date	09/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people have contacted Action Fraud on potential pension scams since the covid-19 outbreak.
tabling member constituency	Crawley
tabling member printed	Henry Smith
uin	87526
answer	answer is ministerial correction date of answer 17/09/2020 answer text <p>The Government continues to work with Regulators and the Police to prevent scams and this has continued during Covid-19. In the period March – July 2020, 116 reports of pension fraud were received by Action Fraud, compared to 179 for the same period in 2019.</p><p> </p><p>In recognition of the potential impact of Covid-19 on individual’s pensions savings the Department convened a cross-government and regulator group, to closely monitor and respond to any increase in transfers and scams. Regulators, Police and Action Fraud have confirmed that to date no evidence has emerged to demonstrate an increase in either transfers or scams, based on their internal monitoring of the industry. Although this is encouraging Government recognises it needs to continue to monitor and react to the changing environment.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 17/09/2020 11:08:01 answering member 4142 label Biography information for Guy Opperman
tabling member	3960 label Biography information for Henry Smith

1233035

registered interest
date	09/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what discussions her Department has had with HMRC on its investigation of tax rule breaches arising from pension scams.
tabling member constituency	Crawley
tabling member printed	Henry Smith
uin	87529
answer	answer is ministerial correction date of answer 17/09/2020 answer text <p>Tax liabilities relating to unauthorised payments and HMRC’s investigation of tax rules arising from pension scams are the responsibility of HMT. DWP will continue to work closely with HMRC to understand their position and how these may impact the Pensions Schemes Bill and savers.</p><p> </p><p>Government continues to work with regulators and industry to protect consumers and find the best ways of preventing pension scams. HMRC and DWP have held regular discussions relating to the enhanced protection measures in the Pension Scheme Bill 2020.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 17/09/2020 10:54:22 answering member 4142 label Biography information for Guy Opperman
tabling member	3960 label Biography information for Henry Smith

1233037

registered interest
date	09/09/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what discussions her Department has had with (a) pension regulators, (b) pension providers and (c) HMRC on encouraging victims of pensions scams to report that scam.
tabling member constituency	Crawley
tabling member printed	Henry Smith
uin	87530
answer	answer is ministerial correction date of answer 17/09/2020 answer text <p>Through Project Bloom, DWP works with other government departments, regulators, enforcement agencies and the pensions industry to monitor the evolution of scam typology and respond with a collective and coordinated response. Project Bloom is examining the range of measures that all agencies including providers and financial professionals could take to help prevent scams.</p><p> </p><p>DWP consistently works with other organisations to raise awareness of pension scams and encourage reporting, including regular campaigns, from the Financial Conduct Authority and the Pensions Regulator, conducted through the ScamSmart branding. Alongside promoting what to look out for to recognise a pension scam, the ScamSmart campaigns and website encourage people to report when they think they have been scammed. These messages are proving effective, in the most recent campaign prior to Covid-19, June to September 2019 over 222,000 visited the ScamSmart website to find out how to identify a scam scheme and report a scam.</p><p> </p><p>The Government, working with the regulators and the Money and Pension Service communicates with pension savers to alert them to the risk of scams in the current climate. DWP continues to communicate regularly on social media to set out the warning signs of a scam and has made 18 posts referencing Pension Scams and ScamSmart in total across Twitter, Facebook and LinkedIn in the period March to September 2020.</p><p> </p><p>A <a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">joint statement</a> was issued by The Pension Regulator, Financial Conduct Authority, and Money Advice and Pension Service on 7 April pointing to the actions members should take to help safeguard against scams. Additional guidance was issued to trustees, and providers from both The Financial Conduct Authority and the Pensions Regulator to support them to produce suitable communications during the Covid-19 outbreak.</p><p> </p><p>Please see links below for more information about the joint statement from Regulators and the Money Advice Service, and help available, produced by the Pension Protection Fund and supported by government.</p><p> </p><p><a href="https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions" target="_blank">https://www.fca.org.uk/news/press-releases/covid-19-savers-stay-calm-dont-rush-financial-decisions</a></p><p> </p><p><a href="https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf" target="_blank">https://www.ppf.co.uk/sites/default/files/file-2020-05/COVID-19-and-your-pension.pdf</a></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 17/09/2020 15:48:25 answering member 4142 label Biography information for Guy Opperman
tabling member	3960 label Biography information for Henry Smith

1198415

registered interest
date	01/06/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps her Department is taking to protect people from pension scams and fraud.
tabling member constituency	Ealing, Southall
tabling member printed	Mr Virendra Sharma
uin	51791
answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>In these unprecedented times we are committed to protecting people from pension scams and fraud. DWP is working with other Government Departments, the Pension Regulator, Financial Conduct Authority and other industry bodies to raise awareness and to monitor for evidence of an increase in pension related fraudster activity. We will continue to use evidence available, to identify what specific and proportionate measures may be necessary.</p><p> </p><p>Government has introduced measures to tackle pension scams following the December 2016 Pension Scams: Consultation <a href="https://www.gov.uk/government/consultations/pension-scams/pensions-scams-consultation" target="_blank">link</a>. These include making it harder to open fraudulent schemes from 2018, and legislating to introduce a ban on cold calling in relation to pensions in January 2019.</p><p> </p><p>DWP is also bringing forward legislation, through the Pension Schemes Bill which is currently passing through Parliament. These measures will give trustees’ assurance they will not be required to make statutory transfer, unless specified conditions are met.</p><p><strong> </strong></p><p>The PPF, in collaboration with regulators and pensions bodies, recently published a guide,’COVID-19 and your pension: where to get help’, which answers common pension concerns and helps individuals find the right support. This includes guidance for individuals who are concerned about pension scams.</p><p> </p><p><a href="https://www.ppf.co.uk/covid-19-pensions" target="_blank">https://www.ppf.co.uk/covid-19-pensions</a></p> answering member constituency Hexham answering member printed Guy Opperman question first answered 09/06/2020 14:45:51 answering member 4142 label Biography information for Guy Opperman previous answer version 25867 answering member constituency Hexham answering member printed Guy Opperman answering member 4142 label Biography information for Guy Opperman
tabling member	1604 label Biography information for Mr Virendra Sharma

1198416

registered interest
date	01/06/2020
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Pensions: Fraud
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what assessment her Department has made of trends in the number of pension scams and fraud in each quarter of the last five years.
tabling member constituency	Ealing, Southall
tabling member printed	Mr Virendra Sharma
uin	51792
answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>The Government is committed to protecting people from pension scams and fraud.</p><p> </p><p>The quarterly data on pension scams and fraud does not exist.</p><p> </p><p>Pensioners who suspect they have been a victim of a pension scam or fraud can report to Action Fraud, the national reporting centre for fraud and cyber-crime. The DWP works with Action Fraud and other members of the police led organisation Project Bloom, which is cross-government and works with industry to monitor and respond to pension frauds, update prevention and respond to these changes.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 09/06/2020 14:51:08 answering member 4142 label Biography information for Guy Opperman previous answer version 25869 answering member constituency Hexham answering member printed Guy Opperman answering member 4142 label Biography information for Guy Opperman
tabling member	1604 label Biography information for Mr Virendra Sharma