A member of an occupational pension scheme feels that the trustees of the scheme are not complying with their obligations under the Pensions Act, 1990. This member should refer their complaint to the:

• A. A Financial Services & Pensions Ombudsman.
• B. B Central Bank.
• C. C Pensions Authority.
• D. D Minister for Social Protection.

Answer: (C)

The situation involves a regulatory complaint about trustees’ compliance with the Pensions Act 1990, so the appropriate body is the Pensions Authority, which oversees pension schemes and enforces pensions legislation. They investigate breaches, monitor governance, and can take enforcement action if trustees aren’t meeting their statutory duties. The Financial Services & Pensions Ombudsman handles individual service or conduct complaints about financial products and advisers, not regulatory breaches by trustees. The Central Bank oversees broader financial regulation, while the Minister for Social Protection handles policy rather than investigating a specific compliance issue. So the correct route for this complaint is the Pensions Authority.