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Determinations Panel

The Determinations Panel (DP) is a committee of The Pensions Regulator (TPR). It operates separately from other parts of the organisation, including TPR’s case teams.

The DP has a separately appointed membership and legal support. This enables it to make independent and impartial decisions. The DP considers all the evidence before it and provides each party with reasonable opportunity to present their case. Members of the panel are not involved in the investigation process.

The DP consists of:

  • a chair appointed by TPR
  • at least six other people who are nominated by the chair and appointed by TPR

Current members

Antony Townsend (Chair)

Antony has wide ranging experience as a chief executive and board chair of regulatory organisations, and in complaints handling. He is Deputy Chair of the Board of the Professional Standards Authority for Health and Social Care, where he is also Chair of the Scrutiny Committee, an Independent Review Chair for NHS England (Continuing Healthcare reviews), Director of the Channel Islands Financial Ombudsman Service, an Independent Investigator for the House of Commons, Chair of the Strategic Advisory Board of the Bar Tribunals and Adjudication Service, Chair of the SME Liaison Panel of the Business Banking Resolution Service, and a Trustee and Director of Citizens Advice South Warwickshire. He was formerly Financial Regulators Complaints Commissioner, Chair of the UK and Ireland Regulatory Board of the Royal Institution of Chartered Surveyors, and Chair of the Regulatory Board of the Association of Chartered Certified Accountants. He was the first chief executive of the Solicitors Regulation Authority from its establishment in 2006 until January 2014. He was also the General Dental Council’s chief executive from 2001 to 2006. In the 1990s, Antony held a number of senior roles at the General Medical Council, including Director of Standards and Education, and head of Conduct. His earlier career was with the Home Office, where he worked primarily on criminal justice issues.

Sarah Chambers

Sarah is currently the chair of the Legal Services Consumer Panel, an Electoral Commissioner, a Judicial Appointments Commission panellist (appointing judges at all levels), member of the UKPN Customer Engagement Group and chair of the Applications Panel of the Renewable Energy Consumer Code. She is also a Trustee and Vice-Chair of Greenhouse Sports charity. Her previous roles include CEO of Postcomm, Commissioner of the Competition Commission (and subsequently a panel member of the Competition and Markets Authority), member of the CAA Consumer Panel, Independent Director of the Payments Council and directorships in several civil service roles.

Anne Fletcher

Anne is currently a panel member and member of the Utilities Panel for the Competition and Markets Authority. She is an experienced Group General Counsel (BT plc) and Compliance Director (Visa Europe, Royal Mail, BT plc) and was an Audit and Risk Committee member for the Office of the Public Guardian until January 2021. Anne is also a former Trustee for the Royal Mail Senior Executive Pension Plan and a former Vice-Chair of the BT Benevolent Fund.

Megan Forbes

Megan is currently Chair of Ofgem Enforcement Decision Panel and works in the Government Legal Department. Before this Megan was the Deputy Chief Executive and Director of Transformation at the General Pharmaceutical Council and prior to that she was at the FCA. Megan’s responsibilities at the FCA have included leading the IT, finance, HR, communications and legal teams that support the FCA’s enforcement division. Prior to working for the FCA, Megan was Legal and Enforcement Partner at Ofgem, the regulator of the gas and electricity markets, where she led a major transformation of Ofgem’s approach to enforcement.

Tony Foster

Tony has spent most of his career in the chemical industry, including as director at ICI Chemicals and Polymers Limited and chief executive of ICI Chlorchemicals Business. He was also a commissioner at the Criminal Cases Review Commission for 10 years and non-executive director at the Competition Commission. Tony was a lay member of the Financial Protection Committee at the Solicitors Regulation Authority, a member of the Discipline Committee at the Institute of Chartered Accountants, chairman of the Animal Health and Veterinary Laboratories Agency and a non-executive director of the Legal Ombudsman and Gloucestershire Hospitals NHS Foundation Trust. He is currently a Member of the Independent Monitoring Board of HMP Long Lartin.

David Latham

David has practised as a solicitor for much of his career, often as managing partner. David was appointed to the judiciary in the Employment Tribunals in England and Wales where he continued for in excess of 20 years (both full time and part time). For the last five years of his judicial career, he was President of the Employment Tribunals in England and Wales until he retired in March 2014. This role involved chairing hearings, leading the judiciary in the jurisdiction and judicially managing 12 regional employment judges, around 400 employment judges and 1,600 non-legal members. He was also the director of national training for the jurisdiction during his judicial career. David is currently chair of the board of directors of Northampton Partnership Homes, a social housing company and is a trustee of the Northamptonshire Health Charitable Funds.

Stephen Mount

Stephen is currently a member of the RDC of the FCA, Chair of the Audit Committee at Gama Aviation Plc and the Finance and Performance Committee at a major NHS Foundation Trust and acts internationally as an expert witness on financial reporting, corporate governance and auditing matters. He was formally a member of the Audit Quality Review Committee at the Financial Reporting Council. Stephen retired as a senior partner with PwC in 2016, after almost 4 decades’ auditing and advising FTSE, Fortune 500 and smaller/midcap listed companies in the UK, USA, Europe and Asia across a wide range of industry sectors. He also served in a number of PwC management roles. His experience, gained from leading and participating in Main Board and Audit Committee meetings, and with investment bankers, investors, regulators and other advisors on corporate and capital market matters is comparable to having served as an Independent Non-Executive Director with over 40 publicly listed companies. He is a Fellow of the Institute of Chartered Accountants in England and Wales (ICAEW).

Mike Urmston

Mike is a qualified actuary with many years’ experience at Board level in the life and pensions industry. He was chief actuary and finance director in the UK with Aviva plc until 2006. He now has a portfolio of non-executive roles. In the past he has been a member of the FCA’s Regulatory Decisions Committee, a Trustee of the Aviva Staff Pension Scheme and previously non-executive director at Ageas UK, Tesco Underwriting, and AIG Life. At present he is Chair of Phoenix Life Companies, a Member of Council of the Medical Protection Society and an Independent Professional Pensions Trustee at ndapt.

Pauline Wallace

Pauline is the inaugural chair of the UK Accounting Standards Endorsement Board. She was formerly a member of the RDC at the FCA, and of the ICAEW Regulatory Board. Pauline was until recently a non-executive director and chair of the audit and risk committee of the Paradigm Trust (a multi-academy trust) and is currently chair of governors at a special needs primary school. She was previously a partner at PwC where she was head of the global financial instruments team before becoming head of public policy and regulatory affairs.

Members' expenses

We publish the expenses for the Determinations Panel Chair and members for each quarter. This includes all expenses incurred for travel, accommodation and meals etc, as well as any hospitality given to others. A separate sheet shows any hospitality received by these individuals in their capacity as Determinations Panel members during the specified quarter.

Some explanatory notes:

Expenses are incurred by Determinations Panel members in two ways. Either individuals spend their own money whilst on TPR business and then claim it back (see staff and board / panel expenses policies in our Publication Scheme) or, particularly for travel and accommodation that needs to be booked in advance, TPR makes bookings directly and is invoiced for the cost. For this reason, these expenses will be published for the quarter in which they were paid, and therefore may not necessarily appear alongside other expenses (claimed back in arrears) for the same trip.

Determinations Panel quarter 1 expenses (1 April to 30 June 2022)

Determinations Panel quarter 4 expenses (1 January to 31 March 20222)

Determinations Panel quarter 3 expenses (1 October to 31 December 2021)

Register of members' interests

Name Role Current employment or office in addition to Panel role Current directorships Non-profit organisations Occupational pension schemes
Antony Townsend Chair

Deputy Board Chair and Chair of Scrutiny Committee, the Professional Standards Authority for Health and Social

Chair, Continuing Healthcare Independent Review Panels, NHS England

Chair, Strategic Advisory Board, Bar Tribunals and Adjudication Service, Council of Inns of Court

Chair, SME Liaison Panel, Business Banking Resolution Service

Independent Investigator, House of Commons

Director, Channel Islands Financial Ombudsman Service


Trustee and Director, Citizens Advice South Warwickshire General Medical Council (Deferred)

General Dental Council (Deferred)
Sarah Chambers Member

Chair of Legal Services Consumer Panel

Chair of Renewable Energy Consumer Code Applications Panel

Commissioner of the Electoral Commission

Panel member of Judicial Appointments Commission

Member of UKPN Customer Engagement Group 

Trustee and vice-Chair of Greenhouse Sports (Charity) PCSPS
Anne Fletcher Member Panel Member of the Competition and Markets Authority (CMA)   Member BT Pension Scheme

Former Trustee, Royal Mail Senior Executive Pension Plan

Megan Forbes Member Chair of Enforcement Decision panel, OFGEM

Government Legal Department
    Civil Service Pension Scheme – Classic and Alpha Scheme

The Plan FCA pension scheme
Tony Foster Member  

Trainer at the Civil Service College

Member of the Independent Monitoring Board of HMP Long Lartin


Civil Service
David Latham Member Independent Director and Chair of Northampton Partnership Homes Rotary In receipt of Judicial Pension Scheme
Stephen Mount Member Financial Conduct Authority (RDC)

Gama Aviation Plc

University Hospitals Dorset NHS Foundation Trust

Governor - Reading Blue Coat School  
Michael Urmston Member

Phoenix Life

Phoenix Life Assurance

Standard Life

Phoenix UTM

Medical Protection Society

MPI(Ltd) (a subsidiary of the Medical Protection Society)

Russell Square Mansions Management Company Ltd

Ndapt – Partner

Aviva Staff Pension Scheme
Pauline Wallace Member Chair UK Endorsement Board
UK Accounting Standards Endorsement Board Ltd Director Paradigm Trust

Governor Middleton School

Former member ICAEW Regulatory Board
Reuters Pension Fund (Husband)