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		<loc>https://www.tisa.uk.com/publications/tisa-response-to-deduction-of-income-tax-from-savings-income-implementation-of-the-personal-savings-allowance-september-2015/</loc>
		<lastmod>2019-06-23T21:33:04+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/covering-letter-to-the-implementation-of-the-personal-savings-allowance-september-2015/</loc>
		<lastmod>2019-06-23T21:33:06+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp23-15-july-2015/</loc>
		<lastmod>2019-06-23T21:33:21+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp15-20-july-2015/</loc>
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	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-creating-a-secondary-annuity-market-response-june-2015/</loc>
		<lastmod>2019-06-23T21:33:30+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisa-response-to-creating-a-secondary-annuity-market-june-2015/</loc>
		<lastmod>2019-06-23T21:33:31+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dp15-3-june-2015/</loc>
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	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-fca-ps15_4-april-2015/</loc>
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		<lastmod>2019-06-23T21:33:51+00:00</lastmod>
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		<lastmod>2019-06-23T21:33:56+00:00</lastmod>
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	<url>
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	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-psr-cp14-1-january-2015/</loc>
		<lastmod>2019-06-23T21:34:21+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/covering-letter-to-psr-cp14-1-january-2015/</loc>
		<lastmod>2019-06-23T21:34:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dwp-technical-changes-to-auto-enrolment-january-2015/</loc>
		<lastmod>2019-06-23T21:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp14-24-charges-in-workplace-personal-pension-schemes-december-2014/</loc>
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	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-cp14-24-december-2014/</loc>
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		<lastmod>2019-06-23T21:34:29+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dwp-better-workplace-pensions-putting-savers-interests-first-november-2014/</loc>
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	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-dwp-november-2014/</loc>
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	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-gc14-06-social-media-customer-communications-november-2014/</loc>
		<lastmod>2019-06-23T21:34:34+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/covering-letter-to-gc14-06-november-2014/</loc>
		<lastmod>2019-06-23T21:34:36+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp14-11-retirement-reforms-and-the-guidance-guarantee-september-2014/</loc>
		<lastmod>2019-06-23T21:34:41+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/covering-letter-to-cp14-11-september-2014/</loc>
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	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-hmrc-consultation-on-direct-recovery-of-debts-july-2014/</loc>
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	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-hmrc-response-july-2014/</loc>
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	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-fca-consultation-on-client-money-held-in-individual-savings-accounts-june-2014/</loc>
		<lastmod>2019-06-23T21:34:56+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-cp-14-9-june-2014/</loc>
		<lastmod>2019-06-23T21:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-hmt-freedom-and-choice-in-pensions-june-2014/</loc>
		<lastmod>2019-06-23T21:35:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-covering-letter-to-hmt-response-june-2014/</loc>
		<lastmod>2019-06-23T21:35:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-pre-budget-submission-march-2014/</loc>
		<lastmod>2019-06-23T21:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-reshaping-workplace-pensions-for-future-generations-december-2013/</loc>
		<lastmod>2019-06-23T21:36:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/response-to-dwp-better-workplace-pensions-charging-november-2013/</loc>
		<lastmod>2019-06-23T21:36:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-changing-customers-to-post-rdr-unit-classes-october-2013/</loc>
		<lastmod>2019-06-23T21:36:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp13-05-october-2013/</loc>
		<lastmod>2019-06-23T21:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-covering-letter-to-cp13-05-october-2013/</loc>
		<lastmod>2019-06-23T21:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dwp-quality-standards-in-workplace-defined-contribution-pension-schemes-september-2013/</loc>
		<lastmod>2019-06-23T21:36:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-hmrc-pensions-tax-relief-consultation-september-2013/</loc>
		<lastmod>2019-06-23T21:36:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-isa-qualifying-investments-may-2013/</loc>
		<lastmod>2019-06-23T21:37:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dwp-technical-changes-to-automatic-enrolment-may-2013/</loc>
		<lastmod>2019-06-23T21:37:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-tpr-regulating-work-based-defined-contribution-pension-schemes-march-2013/</loc>
		<lastmod>2019-06-23T21:37:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-budget-submission-march-2013/</loc>
		<lastmod>2019-06-23T21:37:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-budget-submission-november-2012/</loc>
		<lastmod>2019-06-23T21:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-cp12-12-september-2012/</loc>
		<lastmod>2019-06-23T21:37:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-napf-draft-code-of-conduct-for-pension-charges-july-2012/</loc>
		<lastmod>2019-06-23T21:38:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-dwp-meeting-future-workplace-pension-changes-improving-transfers-and-dealing-with-small-pots-march-2012/</loc>
		<lastmod>2019-06-23T21:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-fsa-guidance-consultation-proposed-update-to-the-distributor-influenced-funds-factsheets-january-2012/</loc>
		<lastmod>2019-06-23T21:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/cp11-26-rdr-advisor-charging-january-2012/</loc>
		<lastmod>2019-06-23T21:38:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-10-29-platforms-delivering-the-rdr-february-2011/</loc>
		<lastmod>2019-06-23T21:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/covering-letter-to-cp19-12-june-2019/</loc>
		<lastmod>2019-06-24T12:34:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-transposition-of-the-fifth-money-laundering-directive-hmt-consultation-june-2019/</loc>
		<lastmod>2019-08-15T13:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-lifestyling-of-child-trust-funds-consultation-december-2015/</loc>
		<lastmod>2019-10-01T12:10:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/combined-industry-response-to-draft-ctf-regulations-ctf-to-jisa-transfers-february-2015/</loc>
		<lastmod>2019-10-01T12:11:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-hm-treasury-ctf-consultation-august-2013/</loc>
		<lastmod>2019-10-01T12:12:03+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/ctf-to-jisa-transfer-industry-guidelines-march-2015/</loc>
		<lastmod>2020-11-19T09:55:01+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/guide-to-isas-november-2018/</loc>
		<lastmod>2020-11-19T09:57:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-public-financial-guidance-review-consultation-on-a-single-body-february-2017/</loc>
		<lastmod>2020-11-19T09:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-oxera-joint-stocks-and-shares-isas-research-report/</loc>
		<lastmod>2023-01-26T13:18:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-response-to-broadening-the-investment-opportunities-of-defined-contribution-schemes/</loc>
		<lastmod>2023-01-26T13:31:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/response-by-tisa-to-pdp-consultation-standards-specifications-and-technical-requirements/</loc>
		<lastmod>2023-01-26T13:31:25+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/response-by-tisa-tohelping-savers-understand-their-pension-choices/</loc>
		<lastmod>2023-01-26T13:31:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/the-savings-investments-policy-project-review-summary-april-2014/</loc>
		<lastmod>2023-01-26T13:33:25+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/ukfmpg-iso20022-best-practice-v1-1/</loc>
		<lastmod>2023-01-26T13:33:51+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/ukfmpg-iso20022-best-practice-v2-1/</loc>
		<lastmod>2023-01-26T13:33:59+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/tisa-autumn-statement-submission/</loc>
		<lastmod>2023-01-26T13:34:15+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/autumn-submission-2015/</loc>
		<lastmod>2023-01-26T13:35:11+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/personal-savings-allowance-guidance/</loc>
		<lastmod>2023-01-26T13:35:50+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/flexible-isa-customer-leaflet-2/</loc>
		<lastmod>2023-01-26T13:36:48+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisas-brexit-programme-update-november-2016/</loc>
		<lastmod>2023-01-26T13:37:17+00:00</lastmod>
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		<lastmod>2023-01-26T13:37:32+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/hm-treasury-help-to-buy-isa-scheme-rules/</loc>
		<lastmod>2023-01-26T13:38:16+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/tisa-brexit-programme/</loc>
		<lastmod>2023-01-26T13:38:29+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/retirement-roundup-april-2017/</loc>
		<lastmod>2023-01-26T13:39:58+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-march-2017/</loc>
		<lastmod>2023-01-26T13:40:22+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-june-2017/</loc>
		<lastmod>2023-01-26T13:41:01+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/kickstart-money/</loc>
		<lastmod>2023-01-26T13:41:11+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-december-2017/</loc>
		<lastmod>2023-01-26T13:41:58+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/isa-roundup-october-2017/</loc>
		<lastmod>2023-01-26T13:42:33+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-september-2017/</loc>
		<lastmod>2023-01-26T13:42:43+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-july-2017/</loc>
		<lastmod>2023-01-26T13:43:11+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-february-2018/</loc>
		<lastmod>2023-01-26T13:43:56+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/isa-roundup-march-2018/</loc>
		<lastmod>2023-01-26T13:44:05+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-april-2018/</loc>
		<lastmod>2023-01-26T13:44:15+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-may-2018/</loc>
		<lastmod>2023-01-26T13:44:27+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-june-2018/</loc>
		<lastmod>2023-01-26T13:44:43+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/isa-roundup-august-2018/</loc>
		<lastmod>2023-01-26T14:02:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-september-2018/</loc>
		<lastmod>2023-01-26T14:02:34+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/smcr-roundup-january-2019/</loc>
		<lastmod>2023-01-26T17:46:26+00:00</lastmod>
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	<url>
		<loc>https://www.tisa.uk.com/publications/retirement-roundup-november-2019/</loc>
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		<loc>https://www.tisa.uk.com/publications/retirement-roundup-february-2019/</loc>
		<lastmod>2023-01-26T17:48:49+00:00</lastmod>
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		<loc>https://www.tisa.uk.com/publications/retirement-roundup-october-2017/</loc>
		<lastmod>2023-01-26T17:49:02+00:00</lastmod>
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