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You are viewing the version of the document as on 2025-01-01.

PDCOB 1.1 Application

PDCOB 1.1.1 G
  1. (1)

    1The Pensions Dashboards: Conduct of Business sourcebook (PDCOB) is the specialist sourcebook for firms carrying on regulated pensions dashboard activity.

  2. (2)

    PDCOB applies as described in the General Application provisions in PDCOB 1.3, unless modified in the manner described in the application provisions of a particular chapter, section or rule.

  3. (3)

    PERG 12A contains general guidance on when a firm will be carrying on regulated pensions dashboard activity. Where a firm enters an outsourcing arrangement with a third party, the third party will need to consider whether it is also carrying on regulated pensions dashboard activity taking into account the guidance in PERG 12A.

PDCOB 1.1.2 G

1 Firms are reminded that they may require permissions to carry on regulated activities other than regulated pensions dashboard activity, in which case firms will need to comply with the conduct requirements in the FCA Handbook that are relevant to those activities in the usual way.

PDCOB 1.1.3 G

1 Firms are also reminded that they may need to comply with other sourcebooks relating to conduct of business in the FCA Handbook (for example, COBS) where they also fall within the application provisions of those sourcebooks.

PDCOB 1.3 General application

Who? What?

PDCOB 1.3.1 R

1This sourcebook applies to a firm in relation to any of the following activities it carries on, offers or allows access to:

  1. (1)

    regulated pensions dashboard activity;

  2. (2)

    any post-view services;

  3. (3)

    data export; and

  4. (4)

    any other activity which could be carried out in a way that is connected to the qualifying pensions dashboard service, including:

    1. (a)

      any marketing relating to regulated pensions dashboard activity or post-view services; and

    2. (b)

      any communications relating to (1) to (3) above.

PDCOB 1.3.2 G

1For the purposes of PDCOB 1.3.1R(1), firms are reminded of the guidance in PERG 12A on when a firm will be carrying on regulated pensions dashboard activity and who will be considered to be the operator in relation to a particular qualifying pensions dashboard service where there is more than one party or firm involved.

PDCOB 1.3.3 R

1Where a firm involves a third-party dashboard arrangement in any part of the activities listed in PDCOB 1.3.1R, the rules in PDCOB 9 apply to the firm.

Where?

PDCOB 1.3.4 R

1This sourcebook applies to all regulated pensions dashboard activity wherever in the world the customer accesses the pensions dashboard platform.

PDCOB 1.3.5 R

1A Gibraltar-based firm with permission for regulated pensions dashboard activity must comply with the provisions of PDCOB relating to regulated pensions dashboard activity.