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		<loc>https://aca.org.uk/response-to-single-financial-guidance-body/</loc>
		<lastmod>2017-11-07T10:46:02+00:00</lastmod>
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		<loc>https://aca.org.uk/response-to-reduced-money-purchase-annual-allowance/</loc>
		<lastmod>2017-11-07T10:48:09+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-comments-on-defined-benefit-schemes-green-paper/</loc>
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		<loc>https://aca.org.uk/aca-response-to-bulk-transfers-of-dc-pensions/</loc>
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		<loc>https://aca.org.uk/walking-in-shoes-of-a-healthcare-actuary-buckle/</loc>
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	<url>
		<loc>https://aca.org.uk/review-of-practising-certificates-evans-and-mcconnell/</loc>
		<lastmod>2017-11-08T11:39:31+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-draft-regulations-on-advice-allowance/</loc>
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		<loc>https://aca.org.uk/iaa-newsletter-february-2017/</loc>
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		<loc>https://aca.org.uk/aca-comments-on-superfund-proposal/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-ae-review-initial-questions-consultation/</loc>
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		<loc>https://aca.org.uk/bhs-case-craddock-and-brook/</loc>
		<lastmod>2017-11-08T11:37:09+00:00</lastmod>
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		<loc>https://aca.org.uk/bhs-case-hunter/</loc>
		<lastmod>2017-11-08T11:38:01+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/db-green-paper-hastie-and-coates/</loc>
		<lastmod>2017-11-08T11:38:49+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-consultation-sees-opportunities-to-boost-gig-economy-participation-in-auto-enrolment/</loc>
		<lastmod>2017-10-13T11:57:51+00:00</lastmod>
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		<loc>https://aca.org.uk/ba-case-atkinson-and-stothard/</loc>
		<lastmod>2017-11-08T11:36:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/iaca-newsletter-february-2017/</loc>
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	<url>
		<loc>https://aca.org.uk/leeds-regional-tpr-chinu-patel-2/</loc>
		<lastmod>2017-11-08T11:33:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/leeds-regional-dwp-green-paper-lisa-whitby/</loc>
		<lastmod>2017-11-08T11:35:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/edinburgh-meeting-tpr-chinu-patel/</loc>
		<lastmod>2017-11-08T11:31:20+00:00</lastmod>
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		<loc>https://aca.org.uk/edinburgh-meeting-dwp-green-paper-andrew-holehouse-alistair-lyon/</loc>
		<lastmod>2017-11-08T11:32:17+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-contracting-out-amendment-regulations/</loc>
		<lastmod>2017-11-07T10:51:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/association-of-consulting-actuaries-records-go-on-line-at-pensions-archive-trust/</loc>
		<lastmod>2017-10-13T12:01:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/db-transfers-adviser-perspective-hoult/</loc>
		<lastmod>2017-11-08T11:30:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/revised-tass-inglis-and-wasserman/</loc>
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		<loc>https://aca.org.uk/iaa-newsletter-april-2017/</loc>
		<lastmod>2017-11-06T12:38:19+00:00</lastmod>
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		<priority>0.6</priority>
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		<loc>https://aca.org.uk/aca-manifesto-calls-on-parties-to-outline-clear-policy-paths-on-the-future-of-private-and-state-pensions/</loc>
		<lastmod>2017-10-13T11:11:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-responds-to-db-security-and-sustainability-consultation/</loc>
		<lastmod>2017-11-07T10:53:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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		<loc>https://aca.org.uk/aca-responds-to-dwp-consultation-on-db-security-and-sustainability/</loc>
		<lastmod>2018-03-02T13:00:12+00:00</lastmod>
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		<loc>https://aca.org.uk/birmingham-regional-tpr-chinu-patel/</loc>
		<lastmod>2017-11-08T11:28:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/birmingham-regional-dwp-green-paper-peter-williams/</loc>
		<lastmod>2017-11-08T11:29:00+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-opposes-more-powers-for-the-pensions-regulator-but-calls-for-new-flexibilities-for-defined-benefit-schemes/</loc>
		<lastmod>2017-10-13T12:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/aca-responds-to-ppf-triennium-consultation/</loc>
		<lastmod>2017-11-07T10:54:48+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-may-2017/</loc>
		<lastmod>2018-03-01T20:08:58+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-the-draft-occupational-pension-schemes-employer-debt-amendment-regulations-2017/</loc>
		<lastmod>2017-11-07T10:55:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/climate-related-financial-disclosures-picot/</loc>
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		<loc>https://aca.org.uk/pensions-advice-with-a-local-touch-in-rwanda-donaldson/</loc>
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		<loc>https://aca.org.uk/aca-chairman-hopes-constant-tinkering-with-pensions-will-stop-as-brexit-dominates-parliamentary-business/</loc>
		<lastmod>2017-10-13T12:27:50+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/general-election-2017-parties-focus-on-state-role-with-few-mentions-of-need-to-boost-private-saving/</loc>
		<lastmod>2017-10-13T12:32:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/aca-placard-summary-of-manifestos-and-poll-of-polls-update/</loc>
		<lastmod>2018-03-14T10:29:29+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/general-election-2017-aca-worried-that-inconclusive-result-will-mean-brave-decisions-needed-to-address-policy-challenges-will-not-be-grasped/</loc>
		<lastmod>2018-03-01T20:08:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/tpr-annual-statement-patel/</loc>
		<lastmod>2017-11-08T11:24:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/tpr-annual-statement-hastie/</loc>
		<lastmod>2017-11-08T11:25:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/iaa-newsletter-june-2017/</loc>
		<lastmod>2017-11-06T12:39:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-ae-db-alternative-requirement/</loc>
		<lastmod>2017-11-07T10:56:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/iaa-newsletter-august-2017/</loc>
		<lastmod>2017-11-06T12:40:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/debate-slides-tim-giles-bob-scott-anthony-webb-and-david-felder/</loc>
		<lastmod>2017-11-08T11:23:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/covenant-advisory-update-jamie-mackenzie/</loc>
		<lastmod>2017-11-08T11:24:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-2017-survey-db-costs-adverse-impact-on-pay-and-equity/</loc>
		<lastmod>2017-10-20T11:48:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-fca-on-pension-transfer-advice/</loc>
		<lastmod>2017-11-07T10:57:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-news-september-2017/</loc>
		<lastmod>2017-11-07T11:05:20+00:00</lastmod>
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		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-ppf-consultation-on-bridging-pensions/</loc>
		<lastmod>2017-11-07T10:58:14+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-select-committee-on-pension-freedoms/</loc>
		<lastmod>2018-03-14T10:27:37+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-combined-third-triennium-policy-statement-and-2018-19-consultation-document/</loc>
		<lastmod>2018-03-14T10:25:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/northern-conference-2017/</loc>
		<lastmod>2017-11-01T21:07:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/dc-investment-developments-nolan-and-cohen/</loc>
		<lastmod>2017-11-08T11:21:33+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/equity-release-mortgages-as-asset-class-simpson/</loc>
		<lastmod>2018-02-28T14:48:18+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/iaa-newsletter-october-2017/</loc>
		<lastmod>2017-11-06T12:42:01+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-2017-survey-pension-transfer-requests-soar-many-find-advice-services-wanting/</loc>
		<lastmod>2018-02-28T14:07:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-chairman-outlines-hopes-for-the-future-of-pensions/</loc>
		<lastmod>2018-03-14T10:04:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-nest-consultation/</loc>
		<lastmod>2017-11-30T13:40:01+00:00</lastmod>
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		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-bulk-transfers-consultation/</loc>
		<lastmod>2017-11-30T13:39:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-2017-survey-report-says-action-needed-as-upwards-of-12-million-workers-are-excluded-from-pensions-auto-enrolment/</loc>
		<lastmod>2018-03-14T10:02:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/final-report-aca-2017-pension-trends-survey-report/</loc>
		<lastmod>2018-02-28T14:02:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-the-second-bridging-pensions-consultation/</loc>
		<lastmod>2018-03-14T10:22:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/aca-responds-to-intergenerational-commission-inquiry/</loc>
		<lastmod>2018-03-01T20:07:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
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		<loc>https://aca.org.uk/aca-responds-to-intergenerational-commission/</loc>
		<lastmod>2018-02-28T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
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		<loc>https://aca.org.uk/aca-response-to-disclosure-of-costs-charges-and-investments-in-dc-schemes/</loc>
		<lastmod>2018-03-14T10:20:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-december-2017/</loc>
		<lastmod>2018-02-26T16:48:14+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/%e2%80%a2db-taskforce-paper-and-scheme-consolidation/</loc>
		<lastmod>2018-02-28T14:46:06+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/whats-going-on-in-the-db-transfer-market/</loc>
		<lastmod>2018-02-28T14:54:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/aca-responds-to-intergenerational-commission-consultation/</loc>
		<lastmod>2018-02-26T15:36:03+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-welcomes-auto-enrolment-changes-but-questions-whether-they-are-sufficient/</loc>
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		<loc>https://aca.org.uk/aca-says-greater-flexibility-in-how-retirement-savings-can-be-used-is-key-to-renew-social-contract-between-generations/</loc>
		<lastmod>2018-02-26T15:54:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/iaa-newsletter-december-2017/</loc>
		<lastmod>2018-02-26T16:43:45+00:00</lastmod>
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		<loc>https://aca.org.uk/an-economic-outlook-for-2018/</loc>
		<lastmod>2018-02-28T15:04:36+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-draft-master-trust-regulations-2018/</loc>
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	<url>
		<loc>https://aca.org.uk/workings-of-blockchain-and-implications-of-bitcoin/</loc>
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		<loc>https://aca.org.uk/aca-response-to-proposed-changes-to-actuaries-code/</loc>
		<lastmod>2018-03-14T10:14:39+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-draft-contracting-out-transfers-regs/</loc>
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		<loc>https://aca.org.uk/inquiry-into-defined-ambition-pension-schemes/</loc>
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		<loc>https://aca.org.uk/aca-apl-joint-sessional-meeting/</loc>
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		<loc>https://aca.org.uk/concern-at-absence-of-measures-to-help-employers-struggling-with-pension-scheme-liabilities/</loc>
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		<loc>https://aca.org.uk/cmi-mortality-projections-and-saps-gordon-and-fletcher/</loc>
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		<loc>https://aca.org.uk/db-white-paper/</loc>
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		<loc>https://aca.org.uk/db-white-paper-2/</loc>
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		<loc>https://aca.org.uk/aca-chair-says-lets-hear-more-about-pension-good-news/</loc>
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		<loc>https://aca.org.uk/aca-regional-meeting-leeds-chinu-patel-helen-abbott/</loc>
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		<loc>https://aca.org.uk/aca-regional-meeting-leeds-ruth-bamforth/</loc>
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		<loc>https://aca.org.uk/regional-meeting-glasgow-chinu-patel-helen-abbott/</loc>
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		<loc>https://aca.org.uk/aca-response-to-select-committee-inquiry-on-db-pension-schemes/</loc>
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		<loc>https://aca.org.uk/regional-meeting-birmingham-andrew-dodd-helen-abbott/</loc>
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		<loc>https://aca.org.uk/jenny-condron-elected-first-female-chair-of-association/</loc>
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		<loc>https://aca.org.uk/tpr-annual-funding-statement-mike-birch-and-fred-berry/</loc>
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		<loc>https://aca.org.uk/consolidation-and-the-pension-superfund-alan-rubenstein-and-luke-webster/</loc>
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		<loc>https://aca.org.uk/aca-response-to-fca-on-improving-the-quality-of-pension-transfer-advice/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-responds-to-fca-on-improving-the-quality-of-pension-transfer-advice/</loc>
		<lastmod>2018-05-24T12:33:05+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-questions-key-white-paper-pension-reforms/</loc>
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		<loc>https://aca.org.uk/aca-response-to-regulating-the-pensions-and-retirement-income-sector-our-strategic-approach/</loc>
		<lastmod>2018-06-18T10:21:33+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-identifies-weaknesses-tackling-pension-scams-and-key-areas-where-greater-co-operation-is-needed-between-tpr-and-fca/</loc>
		<lastmod>2018-06-20T07:33:18+00:00</lastmod>
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		<loc>https://aca.org.uk/impact-of-climate-change-on-pension-actuaries-claringbold-and-spencer/</loc>
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		<loc>https://aca.org.uk/responsible-investment-borhaug/</loc>
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		<loc>https://aca.org.uk/iaa-newsletter-june-2018/</loc>
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		<loc>https://aca.org.uk/response-to-dwp-consultation-on-clarifying-and-strengthening-trustees-investment-duties/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-kingman-review-of-the-frc/</loc>
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		<loc>https://aca.org.uk/aca-response-to-hmt-consultation-on-ban-on-cold-calling-regulations/</loc>
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		<loc>https://aca.org.uk/aca-response-to-stronger-powers-for-the-pension-regulator-consultation/</loc>
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		<loc>https://aca.org.uk/response-to-work-pensions-select-committee-on-pension-costs-and-transparency/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-lords-committee-on-intergenerational-fairness/</loc>
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		<loc>https://aca.org.uk/actuarial-monitoring-scheme-proposals-hudson-gilpin-and-chamberlain/</loc>
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	<url>
		<loc>https://aca.org.uk/iaa-newsletter-september-2018/</loc>
		<lastmod>2018-09-25T13:01:28+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-september-2018/</loc>
		<lastmod>2018-09-27T07:24:40+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-ifoa-consultation-on-quality-of-actuarial-work/</loc>
		<lastmod>2018-09-28T15:38:47+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-survey-finds-chancellor-has-employer-support-to-calmly-review-and-simplify-pension-tax-regime-post-brexit/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-survey-finds-support-for-more-targeted-tpr-powers-and-greater-flexibility-for-db-schemes-in-pensions-bill/</loc>
		<lastmod>2018-10-25T08:02:13+00:00</lastmod>
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		<loc>https://aca.org.uk/a-new-generational-contract-gardiner/</loc>
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		<loc>https://aca.org.uk/intergenerational-fairness-in-pensions-taylor/</loc>
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		<loc>https://aca.org.uk/pension-simplification-time-for-the-pensions-pound/</loc>
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		<loc>https://aca.org.uk/aca-news-december-2018/</loc>
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		<loc>https://aca.org.uk/aca-news-december-2018-2/</loc>
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		<lastmod>2018-12-31T00:16:29+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-welcomes-cdc-schemes-but-calls-for-robust-governance-and-first-class-communications/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-pensions-dashboard-consultation/</loc>
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		<loc>https://aca.org.uk/update-on-work-of-tisa/</loc>
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		<loc>https://aca.org.uk/tpr-annual-funding-statement-sessional-and-regional-meetings/</loc>
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		<loc>https://aca.org.uk/no-more-longevity-improvements-no-more-consulting-opportunities/</loc>
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		<loc>https://aca.org.uk/aca-response-to-frs-102-amendment/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-dc-investment-innovation-and-consolidation-consultation/</loc>
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		<loc>https://aca.org.uk/edinburgh-regional-meeting-gmps-where-to-from-here/</loc>
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		<loc>https://aca.org.uk/simpler-db-pensions-regional-meeting-chairs-introductions/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-local-government-pension-scheme-fair-deal-strengthening-pension-protection/</loc>
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		<loc>https://aca.org.uk/placard-aca-responds-to-government-pension-reforms/</loc>
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		<loc>https://aca.org.uk/new-standards-for-professional-trustees-and-the-accreditation-process/</loc>
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		<loc>https://aca.org.uk/aca-calls-for-radical-simplification-of-db-benefits-and-welcomes-gmp-conversion-guidance-as-a-necessary-first-step/</loc>
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		<loc>https://aca.org.uk/iaa-newsletter-april-2019/</loc>
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		<loc>https://aca.org.uk/strong-support-from-sponsors-and-trustees-for-model-scheme-to-simplify-db-benefits-alongside-gmp-conversion/</loc>
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		<loc>https://aca.org.uk/iaa-2018-annual-report/</loc>
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		<loc>https://aca.org.uk/gmp-conversion-giannis-waymouth/</loc>
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		<loc>https://aca.org.uk/gmp-conversion-jason-eshelby/</loc>
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		<loc>https://aca.org.uk/superfunds-camilla-barry/</loc>
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		<loc>https://aca.org.uk/aca-supports-flexible-savings-vehicles-for-retirement-and-house-purchases/</loc>
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		<loc>https://aca.org.uk/aca-letter-to-business-department-concerning-future-of-actuarial-regulation/</loc>
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		<loc>https://aca.org.uk/gad-100-year-life/</loc>
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		<loc>https://aca.org.uk/cost-transparency-initiative/</loc>
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		<loc>https://aca.org.uk/aca-response-to-fca-discussion-paper-on-intergenerational-differences/</loc>
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		<loc>https://aca.org.uk/call-for-truly-flexible-savings-product-to-help-re-balance-intergenerational-differences/</loc>
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		<loc>https://aca.org.uk/aca-says-pension-tax-changes-must-be-fair-for-all/</loc>
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		<loc>https://aca.org.uk/trustee-oversight-of-investment-consultants-and-fiduciary-managers-regs/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-tpr-consultation-on-cmas-recommendation-to-produce-guidance-to-trustees-on-engaging-with-investment-consultants-and-fiduciary-managers/</loc>
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		<loc>https://aca.org.uk/long-term-savings-policy-overview/</loc>
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		<loc>https://aca.org.uk/climate-change-impact-for-pensions-actuaries/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-consultation-on-future-of-trusteeship-and-governance/</loc>
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		<loc>https://aca.org.uk/aca-chair-says-pensions-and-savings-challenges-persist-but-public-policy-reforms-are-making-an-impact/</loc>
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		<loc>https://aca.org.uk/aca-news-september-2019/</loc>
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		<loc>https://aca.org.uk/placard-more-flexibility-please/</loc>
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		<loc>https://aca.org.uk/aca-survey-findings-support-for-key-measures-to-be-included-in-pensions-bill/</loc>
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		<loc>https://aca.org.uk/survey-finds-missed-opportunity-to-boost-pension-contributions-in-pensions-bill/</loc>
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		<loc>https://aca.org.uk/tpr-new-db-funding-code/</loc>
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		<loc>https://aca.org.uk/survey-reports-widespread-indecision-and-worries-over-complexity-and-cost-of-gmp-equalisation/</loc>
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		<loc>https://aca.org.uk/response-to-fca-pension-transfer-advice-consultation/</loc>
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		<loc>https://aca.org.uk/pension-tax-regime-must-be-simplified-says-aca-survey-findings/</loc>
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		<loc>https://aca.org.uk/regional-presentations-covenant-update/</loc>
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		<loc>https://aca.org.uk/demand-for-greater-flexibility-to-address-younger-employees-pensions-and-savings-needs/</loc>
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		<loc>https://aca.org.uk/parties-manifestos-should-commit-to-boosting-pension-savings-and-social-care-outcomes/</loc>
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		<loc>https://aca.org.uk/aca-response-to-efrag-discussion-paper-on-pension-plans-with-asset-return-promises/</loc>
		<lastmod>2019-11-20T09:11:04+00:00</lastmod>
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		<loc>https://aca.org.uk/summary-of-party-manifestos-critical-of-omissions-on-private-pensions-and-savings-issues/</loc>
		<lastmod>2019-11-27T13:00:00+00:00</lastmod>
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		<loc>https://aca.org.uk/consolidation-debate-luke-webster-pension-superfund/</loc>
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		<loc>https://aca.org.uk/consolidation-debate-jay-shah-pension-insurance-corporation/</loc>
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		<loc>https://aca.org.uk/aca-news-december-2019/</loc>
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		<loc>https://aca.org.uk/aca-welcomes-simpler-benefit-statements-initiative/</loc>
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		<loc>https://aca.org.uk/final-report-of-2019-aca-pension-trends-survey/</loc>
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		<loc>https://aca.org.uk/aca-pension-trends-survey-report-calls-for-ae-contribution-increases-plus-tax-and-benefit-simplification/</loc>
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		<loc>https://aca.org.uk/progress-report-on-pension-dashboards/</loc>
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		<loc>https://aca.org.uk/aca-says-tax-dangers-remain-in-hmrc-gmp-guidance/</loc>
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		<loc>https://aca.org.uk/aca-calls-on-chancellor-to-commit-to-a-full-scale-careful-review-of-pensions-taxation/</loc>
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		<loc>https://aca.org.uk/consultancies-standard-release-letter-and-disclaimer/</loc>
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		<loc>https://aca.org.uk/tpr-update-and-db-funding-code-consultation/</loc>
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		<loc>https://aca.org.uk/aca-news-may-2020/</loc>
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	<url>
		<loc>https://aca.org.uk/iaa-may-2020-newsletter/</loc>
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		<loc>https://aca.org.uk/aca-says-new-regime-will-be-of-interest-to-pension-schemes-that-cannot-afford-buy-out-soon/</loc>
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		<loc>https://aca.org.uk/aca-news-june-2020/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-aligning-your-pension-scheme-with-tcfd-recommendations/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-welcomes-climate-risk-guidance-for-pensions-schemes-and-suggests-steps-to-encourage-wide-spread-adoption/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-launches-annual-pension-trends-survey-questionnaire-seeking-responses-from-employers-and-schemes/</loc>
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		<loc>https://aca.org.uk/placard-in-brief-a-chance-to-reset/</loc>
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	<url>
		<loc>https://aca.org.uk/jfar-risk-perspectives-and-hotspots/</loc>
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	<url>
		<loc>https://aca.org.uk/pensions-in-public-services-introduction/</loc>
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	<url>
		<loc>https://aca.org.uk/public-sector-pensions-since-hutton-developments-and-the-future/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-says-public-sector-pensions-remedy-must-be-implemented-efficiently-for-each-scheme/</loc>
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	<url>
		<loc>https://aca.org.uk/full-wind-up-of-a-scheme-pensioner-members-with-fixed-protection-item-1/</loc>
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		<loc>https://aca.org.uk/full-wind-up-of-a-scheme-pensioner-members-with-fixed-protection-item-2/</loc>
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		<loc>https://aca.org.uk/social-care-reform-urgently-needed-to-include-intergenerational-strategy-to-build-back-better/</loc>
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		<loc>https://aca.org.uk/aca-response-to-raising-standards-in-the-tax-advice-market/</loc>
		<lastmod>2020-07-31T13:57:59+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/7244-2/</loc>
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	<url>
		<loc>https://aca.org.uk/new-funding-regime-must-maintain-scheme-specific-flexibility-without-tying-all-schemes-to-fast-track-by-default/</loc>
		<lastmod>2020-08-13T06:16:42+00:00</lastmod>
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		<loc>https://aca.org.uk/new-funding-regime-must-maintain-scheme-specific-flexibility-without-tying-all-schemes-to-fast-track-by-default-2/</loc>
		<lastmod>2020-08-13T06:29:02+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-dwp-consultation-on-review-of-the-default-fund-charge-cap-and-standardised-cost-disclosure/</loc>
		<lastmod>2020-08-19T08:51:32+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-consultation-on-rpi/</loc>
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		<loc>https://aca.org.uk/pensions-dashboards-data-standards/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-fca-consultation-on-advising-on-pension-transfers/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-says-dont-stop-trustees-helping-members/</loc>
		<lastmod>2020-09-27T17:09:14+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-hmrc-on-finance-bill-relating-to-cdc-schemes/</loc>
		<lastmod>2021-02-12T10:51:59+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-fca-paper-on-driving-value-for-money-in-pensions/</loc>
		<lastmod>2020-09-27T17:15:23+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-calls-for-sharper-focus-on-value-for-members-not-just-cost/</loc>
		<lastmod>2020-09-27T21:31:57+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-calls-for-a-flexible-and-evolutionary-implementation-of-tcfd-reporting/</loc>
		<lastmod>2020-10-07T14:59:06+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-calls-for-a-flexible-and-evolutionary-implementation-of-tcfd-reporting-2/</loc>
		<lastmod>2020-10-07T11:33:14+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-expresses-concerns-in-response-to-public-service-pensions-consultation/</loc>
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	<url>
		<loc>https://aca.org.uk/public-service-pensions-changes-to-transitional-arrangements-to-2015-schemes/</loc>
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		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/response-to-pension-tax-relief-administration-call-for-evidence/</loc>
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	<url>
		<loc>https://aca.org.uk/ppf-presentation-on-navigating-the-uncertain/</loc>
		<lastmod>2020-10-16T15:21:42+00:00</lastmod>
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		<loc>https://aca.org.uk/good-communication-and-tax-simplification-needed-so-public-servants-can-understand-mccloud-remedy/</loc>
		<lastmod>2020-10-16T15:11:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/ae-alternative-quality-requirements-for-defined-benefit-and-hybrid-schemes/</loc>
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		<changefreq>monthly</changefreq>
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	<url>
		<loc>https://aca.org.uk/aca-response-to-mortality-projections-committee-working-paper-137/</loc>
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	<url>
		<loc>https://aca.org.uk/improving-member-outcomes-in-dc-schemes/</loc>
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		<loc>https://aca.org.uk/aca-chair-comments-on-tpr-guidance-concerning-distressed-sponsors/</loc>
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		<loc>https://aca.org.uk/placard-trying-to-keep-up/</loc>
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		<loc>https://aca.org.uk/aca-survey-report-1-employers-push-for-pension-tax-reforms/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-2021-2-ppf-levy-consultation/</loc>
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		<loc>https://aca.org.uk/aca-says-survey-finds-support-for-pension-scheme-bill-measures-but-82-dont-want-to-see-multiple-dashboards/</loc>
		<lastmod>2020-11-30T09:04:10+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/recording-of-diversity-and-inclusion-sessional-meeting/</loc>
		<lastmod>2020-12-02T13:09:43+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/employers-support-higher-minimum-contributions-but-more-than-a-quarter-say-covid-has-increased-the-number-of-employees-leaving-pension-schemes/</loc>
		<lastmod>2020-12-07T08:56:23+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-survey-reports-huge-increase-in-member-interest-in-esg-should-be-a-wake-up-call-for-lagging-pensions-industry/</loc>
		<lastmod>2020-12-14T08:35:37+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-tpr-strategy-paper/</loc>
		<lastmod>2020-12-17T08:15:12+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-december-2020/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-aps-p1-review/</loc>
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		<loc>https://aca.org.uk/aca-response-to-general-levy-consultation/</loc>
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		<loc>https://aca.org.uk/climate-change-and-pension-schemes-are-you-ready/</loc>
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		<loc>https://aca.org.uk/aca-pensions-report-build-back-better/</loc>
		<lastmod>2021-02-19T18:04:59+00:00</lastmod>
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		<loc>https://aca.org.uk/pensions-build-back-better-survey-report-sets-out-policy-challenges-for-government/</loc>
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	<url>
		<loc>https://aca.org.uk/covid-19-and-longevity-an-update/</loc>
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		<loc>https://aca.org.uk/aca-comments-on-2021-budget-statement/</loc>
		<lastmod>2021-03-03T15:20:04+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-taking-action-on-climate-risk-improving-governance-and-reporting-by-occupational-pension-schemes/</loc>
		<lastmod>2021-03-10T09:52:57+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-welcomes-dwp-climate-change-paper-but-stresses-importance-of-supporting-trustees-in-major-extension-of-role/</loc>
		<lastmod>2021-03-10T09:59:56+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-march-2021/</loc>
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		<loc>https://aca.org.uk/aca-agrees-industry-needs-more-clarity-if-pension-dashboards-are-to-go-live-on-time/</loc>
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		<loc>https://aca.org.uk/aca-welcomes-tpr-statement-on-settlements/</loc>
		<lastmod>2021-03-25T17:19:21+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-expresses-support-in-ots-response-for-sensible-initiatives-to-simplify-pension-tax-system/</loc>
		<lastmod>2021-04-14T14:01:55+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-expresses-support-in-ots-response-for-sensible-initiatives-to-simplify-pension-tax-system-2/</loc>
		<lastmod>2021-04-15T11:15:10+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-incorporating-performance-fees-within-the-charge-cap/</loc>
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		<loc>https://aca.org.uk/aca-warns-that-performance-fees-are-not-the-only-headache-for-dc-investment-in-illiquid-assets/</loc>
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		<loc>https://aca.org.uk/aca-critical-of-lack-of-clarity-in-tpr-criminal-offences-draft-guidance/</loc>
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		<loc>https://aca.org.uk/aca-critical-of-lack-of-clarity-in-tpr-criminal-offences-draft-guidance-2/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-implementation-of-the-change-in-normal-minimum-pension-age-consultation/</loc>
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		<loc>https://aca.org.uk/aca-response-to-strengthening-the-pensions-regulators-powers-contribution-notice-and-information-gathering-powers-regulations-2021/</loc>
		<lastmod>2021-04-23T13:59:41+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-calls-for-greater-clarity-on-impact-of-employer-resources-test/</loc>
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		<loc>https://aca.org.uk/target-end-states-for-defined-benefit-pension-schemes/</loc>
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		<loc>https://aca.org.uk/response-to-frc-call-for-feedback-on-technical-actuarial-standards/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-work-pensions-select-committee-inquiry/</loc>
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		<loc>https://aca.org.uk/aim-higher-vast-potential-if-present-disjointed-system-is-addressed/</loc>
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		<loc>https://aca.org.uk/ifoa-consultation-on-the-practising-certificate-scheme/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-tprs-new-code-of-practice/</loc>
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		<loc>https://aca.org.uk/tprs-annual-funding-statement-reads-more-as-a-state-of-the-nation-than-funding-guidance/</loc>
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		<loc>https://aca.org.uk/response-to-fca-consultation-on-new-uk-prudential-regime-for-mifid-investment-firms/</loc>
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		<loc>https://aca.org.uk/pension-scams-regulations-more-time-and-guidance-needed/</loc>
		<lastmod>2021-06-09T07:02:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-scams-regulations-more-time-and-guidance-needed-2/</loc>
		<lastmod>2021-06-09T07:23:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-ppf-tpr-consultation-on-proposals-to-update-the-asset-information-collected-from-defined-benefit-schemes/</loc>
		<lastmod>2021-06-10T12:33:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-june-2021/</loc>
		<lastmod>2021-06-10T13:03:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-hmrc-on-raising-standards-in-the-tax-advice-market/</loc>
		<lastmod>2021-06-15T11:13:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-warns-of-inadvertent-damage-to-pension-advice-market/</loc>
		<lastmod>2021-06-16T07:24:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-dwp-on-consideration-of-social-risks-and-opportunities-by-occupational-pension-schemes/</loc>
		<lastmod>2021-06-16T08:24:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-most-uk-trustees-dont-have-resources-to-focus-on-social-factors/</loc>
		<lastmod>2021-06-16T16:59:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-evidence-on-pension-stewardship-and-cop26-to-work-pensions-select-committee/</loc>
		<lastmod>2021-06-18T11:10:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/evidence-to-select-committee-says-achieving-positive-outcomes-should-be-focus-not-additional-compliance-reporting/</loc>
		<lastmod>2021-06-19T09:02:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/welcome-for-commitment-to-deliver-simpler-benefit-statements/</loc>
		<lastmod>2021-06-29T08:42:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/state-of-the-nation/</loc>
		<lastmod>2021-06-30T14:22:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-tpr-code-of-practice-12-consultation/</loc>
		<lastmod>2021-07-01T13:11:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-ifoa-consultation-on-a-new-practising-certificate-scheme/</loc>
		<lastmod>2021-07-01T13:16:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/code-12-must-make-it-clear-most-normal-corporate-activities-are-not-in-scope/</loc>
		<lastmod>2021-07-02T09:06:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-beis-consultation-on-regulation-of-actuarial-work/</loc>
		<lastmod>2021-07-07T12:23:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/climate-risk-what-pension-schemes-need-to-do-to-address-the-environmental-challenge-and-the-resources-available-to-help/</loc>
		<lastmod>2021-07-07T16:40:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-cautions-on-regulatory-reform-of-actuarial-work/</loc>
		<lastmod>2021-07-08T07:44:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-permitted-charges-within-dc-schemes-consultation/</loc>
		<lastmod>2021-07-16T12:00:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/sipps-and-ssass-supplemental-aca-response-to-consultation-on-the-occupational-and-personal-pension-schemes-conditions-for-transfer-regulations-2021/</loc>
		<lastmod>2021-07-21T14:01:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-tpr-fca-paper-on-the-pensions-consumer-journey/</loc>
		<lastmod>2021-07-28T10:47:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-paper-on-the-case-for-greater-dc-consolidation/</loc>
		<lastmod>2021-07-30T15:20:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-consultation-on-public-service-pensions-discount-rate-methodology/</loc>
		<lastmod>2021-08-19T09:54:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-hmt-public-services-pensions-cost-control-mechanism-consultation/</loc>
		<lastmod>2021-08-19T17:48:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-proposes-new-way-of-flexing-the-rate-of-public-service-pension-increases-to-reflect-economic-growth/</loc>
		<lastmod>2021-08-20T13:37:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-key-changes-are-needed-in-cdc-regulations-if-cdc-schemes-are-to-prosper/</loc>
		<lastmod>2021-08-31T08:32:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-key-changes-are-needed-in-regulations-if-cdc-schemes-are-to-prosper/</loc>
		<lastmod>2021-08-31T08:40:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-climate-related-governance-and-reporting-consultation/</loc>
		<lastmod>2021-08-31T17:21:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-plsa-responsible-investment-quality-mark-consultation-on-standards/</loc>
		<lastmod>2021-09-03T12:32:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-it-is-unclear-if-the-social-care-measures-will-be-sufficient-to-meet-growing-care-costs/</loc>
		<lastmod>2021-09-07T13:37:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-pension-scheme-pays-reporting-information-and-notice-deadlines/</loc>
		<lastmod>2021-09-14T16:56:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-implementation-of-the-change-in-normal-minimum-pension-age/</loc>
		<lastmod>2021-09-14T17:00:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-september-2021/</loc>
		<lastmod>2022-03-03T15:20:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-regulators-diversity-inclusion-in-financial-services-consultation/</loc>
		<lastmod>2021-09-30T08:10:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/notifiable-events-comprehensive-guidance-absolutely-essential-before-modified-provisions-come-into-force/</loc>
		<lastmod>2021-10-21T14:18:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/notifiable-events-cmprehensive-guidance-absolutely-essential-before-modified-provisions-come-into-force/</loc>
		<lastmod>2021-10-21T17:44:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-2022-23-ppf-levy-consultation/</loc>
		<lastmod>2021-11-09T10:28:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/survey-finds-a-third-of-pension-schemes-have-already-set-targets-to-reduce-climate-risk/</loc>
		<lastmod>2021-11-14T11:50:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/survey-points-to-regulatory-overload-heaping-costs-on-pension-schemes-and-deterring-individuals-from-acting-as-trustees/</loc>
		<lastmod>2021-11-20T11:19:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/the-impact-of-pension-flexibilities-on-how-resources-can-be-used-in-retirement/</loc>
		<lastmod>2021-11-26T09:20:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/greater-transparency-and-simplicity-in-reporting-members-costs-and-charges/</loc>
		<lastmod>2021-11-26T09:22:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/employers-spell-out-strong-support-for-db-funding-code-wish-list-in-survey-results/</loc>
		<lastmod>2021-11-26T17:45:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-ifoa-consultation-on-regulatory-framework-on-climate-change-and-sustainability/</loc>
		<lastmod>2021-12-01T13:00:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/survey-finds-widespread-support-for-cdc-pensions-grows-with-more-than-a-fifth-of-businesses-interested-in-cdc-for-their-employees/</loc>
		<lastmod>2021-12-03T16:02:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-tpr-consultation-on-new-powers/</loc>
		<lastmod>2021-12-05T10:54:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-driving-value-for-money-in-defined-contribution-pensions-discussion-paper/</loc>
		<lastmod>2021-12-10T10:24:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/value-is-for-life-not-just-pre-retirement-says-aca/</loc>
		<lastmod>2021-12-15T08:07:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/end-of-year-accounting/</loc>
		<lastmod>2021-12-17T12:20:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-climate-and-investment-reporting-consultation/</loc>
		<lastmod>2022-01-06T13:16:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-supports-mandatory-portfolio-alignment-metric-and-enhancing-trustees-stewardship-duties-but-sees-value-in-less-reporting-detail/</loc>
		<lastmod>2022-01-07T08:17:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-iasb-exposure-draft-ed-2021-3-disclosure-requirements-in-ifrs-standards/</loc>
		<lastmod>2022-01-24T16:17:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-consultation-on-enabling-investment-in-productive-finance/</loc>
		<lastmod>2022-01-24T16:22:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/do-we-finally-have-superfund-lift-off-what-about-alternative-3rd-party-finance-solutions/</loc>
		<lastmod>2022-01-26T17:32:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/evidence-to-wpc-on-protecting-pension-savers-five-years-on-from-the-pension-freedoms-saving-for-later-life/</loc>
		<lastmod>2022-02-02T13:39:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-2-march-2022/</loc>
		<lastmod>2022-03-03T15:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pension-de-risking-panel/</loc>
		<lastmod>2022-03-10T10:23:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-response-to-draft-pensions-dashboards-regulations/</loc>
		<lastmod>2022-03-11T16:07:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-news-11-march-2022/</loc>
		<lastmod>2022-03-22T22:57:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-expresses-concern-over-dash-for-dashboards/</loc>
		<lastmod>2022-03-14T11:01:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-comments-on-pension-scheme-pays-reporting-information-and-notice-deadlines-2/</loc>
		<lastmod>2022-03-16T13:02:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-tpr-consultation-on-code-of-practice-for-authorisation-and-supervision-of-cdc-schemes/</loc>
		<lastmod>2022-03-22T18:02:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-calls-for-cdc-code-to-be-finalised-quickly-to-assist-employers-considering-schemes/</loc>
		<lastmod>2022-03-22T22:54:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-key-reforms-still-needed-to-avoid-crisis/</loc>
		<lastmod>2022-03-30T13:14:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-survey-report-sees-crisis-ahead-with-stalled-key-pension-reforms/</loc>
		<lastmod>2022-03-30T16:35:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/pensions-tax-law-changes-could-open-the-way-for-schemes-to-decide-how-to-equalise-benefits/</loc>
		<lastmod>2022-04-11T09:25:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/gmp-equalisation-projects-interest-on-arrears-payment-of-pension-income-tax-treatment/</loc>
		<lastmod>2022-04-12T09:46:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-afs-strikes-good-balance/</loc>
		<lastmod>2022-04-27T10:55:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-responds-to-facilitating-investment-in-illiquid-assets-consultation/</loc>
		<lastmod>2022-05-11T10:13:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/aca-says-new-proposals-will-not-open-a-flood-of-dc-money-into-illiquids/</loc>
		<lastmod>2022-05-12T11:20:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/new-aca-chair-steven-taylor-highlights-key-objectives-for-the-next-two-years/</loc>
		<lastmod>2022-05-21T10:58:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/tpr-presentation-on-the-2022-annual-funding-statement/</loc>
		<lastmod>2022-05-25T16:20:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/the-pandemic-and-projections/</loc>
		<lastmod>2022-05-25T16:26:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>https://aca.org.uk/response-to-proposed-revision-to-frcs-as-tm1-statutory-money-purchase-illustrations-smpis-consultation/</loc>
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		<loc>https://aca.org.uk/aca-expresses-concern-at-frcs-radical-proposals-on-accumulation-rates-and-on-dashboards-guidance/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-helping-savers-understand-pension-choices-consultation/</loc>
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		<loc>https://aca.org.uk/aca-representations-re-draft-legislation-on-pensions-relief-relating-to-net-pay-arrangements/</loc>
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		<loc>https://aca.org.uk/aca-statement-on-the-death-of-hm-the-queen/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-treasury-select-committee-on-value-of-pensions-tax-relief-and-reforms/</loc>
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		<loc>https://aca.org.uk/response-to-broadening-the-investment-opportunities-of-dc-pension-schemes/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-work-pensions-select-committee-on-ldi-inquiry/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-select-committee-highlights-need-for-evolution-of-ldi-in-face-of-market-challenges/</loc>
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		<loc>https://aca.org.uk/ldi-the-issues-and-aca-evidence-to-the-work-pensions-select-committee/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-chair-agrees-it-is-right-to-renew-focus-on-systemic-risks-as-ldi-evolves/</loc>
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		<loc>https://aca.org.uk/aca-chair-welcomes-db-funding-code-consultation/</loc>
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		<loc>https://aca.org.uk/aca-response-to-draft-tax-regulations-relating-to-the-mccloud-remedy/</loc>
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		<loc>https://aca.org.uk/follow-up-to-consultation-response-draft-tax-regulations-relating-to-the-mccloud-remedy/</loc>
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		<loc>https://aca.org.uk/response-to-hmrc-consultation-on-pension-statistics/</loc>
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		<loc>https://aca.org.uk/survey-on-db-funding-code-consultation/</loc>
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		<loc>https://aca.org.uk/aca-further-evidence-to-work-pensions-select-committee-inquiry-on-ldi/</loc>
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		<loc>https://aca.org.uk/aca-welcomes-pension-tax-easements-in-budget/</loc>
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		<loc>https://aca.org.uk/aca-says-the-funding-code-regulations-need-to-better-gel-with-the-codes-greater-flexibility/</loc>
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		<loc>https://aca.org.uk/aca-response-to-dwp-consultation-on-new-cdc-opportunities/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-says-it-supports-full-development-of-cdc-schemes-which-should-be-a-legislative-priority-over-the-next-year/</loc>
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		<loc>https://aca.org.uk/ifoa-consultation-on-dei-regulatory-requirements/</loc>
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	<url>
		<loc>https://aca.org.uk/placard-calm-before-the-storm/</loc>
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	<url>
		<loc>https://aca.org.uk/budget-2023-death-benefits-update-from-hmrc/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-news-april-2023/</loc>
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		<loc>https://aca.org.uk/aca-feedback-long-term-investment-for-technology-and-science-lifts-initiative/</loc>
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		<loc>https://aca.org.uk/aca-evidence-to-work-pensions-select-committee-inquiry-on-db-schemes/</loc>
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	<url>
		<loc>https://aca.org.uk/8502-2/</loc>
		<lastmod>2023-04-26T11:15:25+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-chair-says-savers-need-new-pension-solutions-to-thrive-with-buy-outs-of-private-sector-db-schemes-likely-to-accelerate/</loc>
		<lastmod>2023-05-12T06:47:14+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-chair-at-appg-on-pensions-lunch-sees-real-progress-in-pensions/</loc>
		<lastmod>2023-05-24T09:02:36+00:00</lastmod>
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		<loc>https://aca.org.uk/claims-against-investment-advisers-arising-out-of-the-ldi-crisis/</loc>
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		<loc>https://aca.org.uk/forfeiture/</loc>
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	<url>
		<loc>https://aca.org.uk/response-to-hmrc-on-draft-no-2-regulations-relating-to-mccloud-remedy/</loc>
		<lastmod>2023-06-19T18:59:05+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-comments-on-the-work-and-pensions-select-committees-report-on-ldi/</loc>
		<lastmod>2023-06-22T23:40:03+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-welcomes-new-policy-innovations-but-cautions-on-hasty-development-of-reforms/</loc>
		<lastmod>2023-07-10T17:21:04+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-news-12-july-2023/</loc>
		<lastmod>2023-09-08T10:26:27+00:00</lastmod>
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		<lastmod>2023-07-21T14:44:39+00:00</lastmod>
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		<loc>https://aca.org.uk/response-to-frc-consultation-on-technical-actuarial-standards-for-pensions/</loc>
		<lastmod>2023-08-03T15:39:39+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-7-august-2024/</loc>
		<lastmod>2023-09-08T10:33:27+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-18-august-2023/</loc>
		<lastmod>2023-09-08T10:32:25+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-1-september-2023/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-mansion-house-evidence-calls-and-consultations/</loc>
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		<loc>https://aca.org.uk/aca-third-letter-to-hmrc-on-abolishing-the-pensions-lifetime-allowance-consultation/</loc>
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	<url>
		<loc>https://aca.org.uk/limitations-and-assumptions-of-commonly-used-climate-change-scenarios/</loc>
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		<loc>https://aca.org.uk/statement-patrick-bloomfield-aca-chair-2020-2022/</loc>
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		<loc>https://aca.org.uk/aca-response-to-fca-consultation-on-vote-reporting-template-for-asset-managers/</loc>
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		<loc>https://aca.org.uk/aca-chair-speaks-of-shock-and-hopes-for-future/</loc>
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		<loc>https://aca.org.uk/aca-letter-to-hmrc-on-lta-abolition-fourth-in-series/</loc>
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		<loc>https://aca.org.uk/ppf-2024-25-levy-rules-current-legislative-framework-not-fit-for-purpose/</loc>
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		<loc>https://aca.org.uk/aca-opts-for-general-levy-option-2-whilst-bemoaning-lack-of-transparency-on-emerging-deficit/</loc>
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		<loc>https://aca.org.uk/aca-critical-of-general-levy-option-3-whilst-bemoaning-lack-of-transparency-on-emerging-deficit/</loc>
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		<loc>https://aca.org.uk/placard-mansion-house-search-for-the-holy-grail-of-growth/</loc>
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		<loc>https://aca.org.uk/aca-welcomes-further-progress-on-mansion-house-reforms-but-cautions-on-pot-for-life-proposals/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-considering-social-factors-in-pension-scheme-investments-consultation/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-frc-as-tm1-statutory-money-purchase-illustrations-consultation/</loc>
		<lastmod>2023-12-01T11:45:18+00:00</lastmod>
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		<loc>https://aca.org.uk/ppf-role-after-the-autumn-statement/</loc>
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		<loc>https://aca.org.uk/implications-of-the-virgin-media-case/</loc>
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		<loc>https://aca.org.uk/new-aca-steering-group-will-assess-risks-and-opportunities-for-the-pensions-industry-from-ai/</loc>
		<lastmod>2024-01-05T09:21:52+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-evidence-call-on-pension-fund-clearing-exemption/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-evidence-call-on-looking-to-the-future-greater-member-security-and-rebalancing-risk/</loc>
		<lastmod>2024-01-22T16:28:40+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-raises-serious-doubts-over-pot-for-life-proposals/</loc>
		<lastmod>2024-01-22T18:16:43+00:00</lastmod>
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		<loc>https://aca.org.uk/edi-truell-experience-with-capital-backed-funding-arrangements/</loc>
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		<loc>https://aca.org.uk/aca-critical-of-statement-of-strategy-data-tsunami/</loc>
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		<loc>https://aca.org.uk/aca-response-to-statement-of-strategy-consultation/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-options-for-db-schemes-consultation/</loc>
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		<loc>https://aca.org.uk/aca-thumbs-up-for-surplus-flexibility-thumbs-down-for-aspects-of-public-consolidator/</loc>
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		<loc>https://aca.org.uk/aca-news-15-november-2023/</loc>
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		<loc>https://aca.org.uk/aca-news-20-december-2023/</loc>
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		<loc>https://aca.org.uk/aca-news-4-march-2024/</loc>
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		<loc>https://aca.org.uk/aca-news-19-april-2024/</loc>
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		<loc>https://aca.org.uk/aca-2024-pensions-and-savings-manifesto/</loc>
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		<loc>https://aca.org.uk/pensions-and-savings-policy-challenges-to-the-political-parties/</loc>
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	<url>
		<loc>https://aca.org.uk/cmi-outputs-to-set-pension-scheme-mortality-assumptions/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-raising-standards-in-the-tax-advice-market/</loc>
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		<loc>https://aca.org.uk/support-for-occupational-pensions-is-critical-to-addressing-the-pension-savings-adequacy-crisis-says-new-aca-chair-stewart-hastie/</loc>
		<lastmod>2024-05-29T11:03:52+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-news-6-june-2024/</loc>
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		<loc>https://aca.org.uk/placard-our-special-general-election-issue/</loc>
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		<loc>https://aca.org.uk/15-july-2024/</loc>
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	<url>
		<loc>https://aca.org.uk/aca-letter-stresses-holistic-approach-as-government-announces-legislation-on-pensions/</loc>
		<lastmod>2024-07-17T15:03:27+00:00</lastmod>
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		<loc>https://aca.org.uk/real-concern-over-virgin-media-ruling-that-requires-government-action/</loc>
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		<loc>https://aca.org.uk/virgin-media-update-joint-statement-by-aca-apl-and-spp/</loc>
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		<loc>https://aca.org.uk/aca-response-to-ifoa-qas-pc-consultation/</loc>
		<lastmod>2024-09-06T08:20:21+00:00</lastmod>
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		<loc>https://aca.org.uk/dynamic-discount-rates/</loc>
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		<loc>https://aca.org.uk/geopolitical-risk-and-threats-to-investment/</loc>
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		<loc>https://aca.org.uk/aca-makes-pre-autumn-2024-budget-submission/</loc>
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		<loc>https://aca.org.uk/aca-provides-evidence-to-pensions-investment-review-stage-1/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-governments-pension-investment-review-call-for-evidence/</loc>
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		<loc>https://aca.org.uk/aca-chair-highlights-consensus-on-surplus-flexibility-and-opportunities-offered-by-pension-review-whilst-warning-of-budget-misstep/</loc>
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		<loc>https://aca.org.uk/response-to-fca-value-for-money-framework-consultation/</loc>
		<lastmod>2024-10-18T10:37:44+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-says-budget-will-test-seriousness-of-governments-approach-to-improving-pension-outcomes/</loc>
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		<loc>https://aca.org.uk/aca-response-to-ppf-consultation-on-levy/</loc>
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		<loc>https://aca.org.uk/aca-response-to-ifoa-dei-consultation/</loc>
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		<loc>https://aca.org.uk/aca-chair-comments-on-2024-autumn-budget/</loc>
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		<loc>https://aca.org.uk/inaugural-bloomfield-lecture-focuses-on-securing-lifelong-financial-independence-for-all/</loc>
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		<loc>https://aca.org.uk/aca-comments-on-new-mansion-house-announcements/</loc>
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		<loc>https://aca.org.uk/aca-response-to-cdc-unconnected-multi-employer-schemes-regs-consultation/</loc>
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		<loc>https://aca.org.uk/aca-gives-support-for-cdc-regulations-and-calls-for-action-on-trust-based-decumulation-only-cdc/</loc>
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		<loc>https://aca.org.uk/28-november-2024-sessional-meeting-on-year-end-accounting-and-cdc/</loc>
		<lastmod>2024-12-02T17:08:03+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-comment-on-as-tm1-statutory-money-purchase-illustrations-annual-review/</loc>
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		<loc>https://aca.org.uk/statement-virgin-media-update/</loc>
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		<loc>https://aca.org.uk/14-january-2025-joint-aca-apl-meeting/</loc>
		<lastmod>2025-01-15T10:45:30+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-pensions-investment-review-unlocking-the-uk-pensions-market-for-growth-consultation-response/</loc>
		<lastmod>2025-01-16T08:43:16+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-says-there-is-a-real-danger-of-growth-agenda-disrupting-benefits-of-ongoing-busy-pensions-agenda/</loc>
		<lastmod>2025-01-16T09:50:33+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-consultation-on-local-government-pension-scheme-england-and-wales-fit-for-the-future/</loc>
		<lastmod>2025-01-16T09:53:15+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-says-separate-pension-inheritance-tax-regime-should-be-considered/</loc>
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		<loc>https://aca.org.uk/aca-says-separate-pension-inheritance-tax-regime-should-be-considered/</loc>
		<lastmod>2025-01-22T08:23:54+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-response-to-advice-guidance-boundary-review-proposed-targeted-support-reforms-for-pensions/</loc>
		<lastmod>2025-02-11T15:12:34+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-says-more-work-needed-so-trust-based-schemes-can-make-most-of-targeted-support/</loc>
		<lastmod>2025-02-12T08:03:52+00:00</lastmod>
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		<loc>https://aca.org.uk/aca-responds-to-frc-consultation-on-uk-stewardship-code/</loc>
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		<loc>https://aca.org.uk/aca-publishes-unlocking-db-surplus-paper/</loc>
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		<loc>https://aca.org.uk/aca-sends-paper-to-chancellor-and-pensions-minister-with-key-points-to-unlock-db-pensions-surplus/</loc>
		<lastmod>2025-02-24T15:54:41+00:00</lastmod>
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		<loc>https://aca.org.uk/28-february-2025-longevity/</loc>
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		<loc>https://aca.org.uk/aca-responds-to-technical-actuarial-standards-for-pensions-consultation/</loc>
		<lastmod>2025-03-10T13:52:42+00:00</lastmod>
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		<loc>https://aca.org.uk/20-march-2025-the-mansion-house-project-impact-on-lgps-and-dc-market/</loc>
		<lastmod>2025-03-27T09:51:14+00:00</lastmod>
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		<loc>https://aca.org.uk/climate-governance-and-reporting-regulations-lessons-learnt-feedback-for-tpr-and-dwp/</loc>
		<lastmod>2025-04-25T14:06:18+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/aca-comment-on-tpr-annual-funding-statement/</loc>
		<lastmod>2025-04-29T09:38:48+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/stewart-hastie-calls-for-pragmatic-and-successful-new-regime-for-db-surplus-release-as-reform-agenda-builds/</loc>
		<lastmod>2025-05-05T10:25:15+00:00</lastmod>
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	<url>
		<loc>https://aca.org.uk/8-may-2025-tpr-db-funding-code-and-db-surplus-extraction-presentations/</loc>
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