FNPF Legislations

FNPF commenced operations as a pension fund in 1966. The law which governed the Fund was the FNPF Act [Cap 219]. This Act went through various amendments over 40 years and the same was finally repealed on 25 November 2011 with some of its sections repealed at a later date.

The legislation that is currently in force now is known as the FNPF Act 2011 along with the following Regulations:

  1. FNPF (Housing Finance Assistance) Regulations 2013
  2. FNPF Regulations 2014

The legislation that is currently in force now is known as the FNPF Act 2011 along with the following Regulations:

Below is a summary of how the FNPF laws have developed since 1966:

Assistance to members impacted by Covid-19 to access their Preserved Account


LawEffective DatePurpose
FNPF Act Cap 219Original law
FNPF Transition Decree No. 51 of 201125 Nov 2011To govern the pension reform
FNPF Amendment Decree No. 77 of 20121 Mar 2012To amend the FNPF Decree
FNPF Transition Amendment Decree 2012as aboveAmendment to Decree No. 51 of 2011
FNPF Decree No. 52 of 201122 Aug 2014Regulations 2014
FNPF Act 201125 Nov 2011Current law
FNPF Covid-19 Response Amendment Act 20201 April 2020Reduction of employer and employee contributions
FNPF Budget Amendment Act 2020pendingInclusion of draw-down account
FNPF Covid-19 Response (Home Loan Assistance) Act 202014 Dec 2020Assistance to members impacted by Covid-19 to access their Preserved Account

On 1 December 2016 through the Revised Edition of Laws (Consequential Amendments), all Decrees are now Acts.

The Fund also has the following Subsidiary Legislations in place which are the FNPF Regulations;

Become a Whistleblower

Our vision is to secure our members future by growing their retirement savings. The Fund has strong values, which are well embedded in our culture. We believe that with these values, it will help us deliver our corporate strategies.
With Accountability and Integrity being part of our corporate values, the Fund has in place a Whistle Blower Policy. (Click here to view the Whistleblower policy)
“Whistle Blowing – is a process established to encourage and enable employees and others to raise serious concerns within an organization prior to seeking resolution outside”

These concerns include (but are not limited to):

  1. Fraud, theft, or misappropriation.
  2. Use of inside information by an employee for private gain.
  3. Giving or receiving of bribe, gifts, benefits, or anything of value which would impair objectivity in the performance of an employee’s responsibilities.
  4. Inappropriate disclosure of the FNPF’s confidential information (including intellectual property).
  5. Engaging in activities that compromise or are potentially in conflict with the interests of the Fund.
  6. Breach of FNPF policies.
  7. Any illegal act.

To report any of the above, please complete the form below, and the Fund will respond to you in due course. The Fund will take all the necessary steps to ensure confidentiality of the information that is received, and for any investigation that is carried out on the disclosure.

    We welcome any areas that do not fall within the Whistleblower Policy, please submit your queries by Contacting Us.

    Code of Fair Practice

    The Code of Fair Practice is a promise FNPF makes to its stakeholders. It outlines expected standards of behaviour that stakeholders should receive from our staff. The Code ensures that stakeholders should be able to expect the same standard of care and service from any FNPF office, whether they are there to lodge an application, contribution schedule or to make a payment.


    The Code of Fair Practice helps the FNPF promote good, fair, trustworthy practices when dealing with its stakeholders. It also sets a guideline to increase transparency to allow stakeholders to have a better understanding of the standard of services they should expect when dealing with the Fund.


    The Code applies to the Fund’s Board directors, Management and all employees of the Fund.


    The FNPF Act 2011 requires the Fund to fulfill 7 commitments when establishing a Code of Fair Practice. These 7 commitments are incorporated into 4 main categories in the Code.


    The 4 categories are:

    1. Ensuring open, transparent, fair, non-discriminatory, and accurate dealings with FNPF Members and Annuitants.
    2. Ensuring professional dealings with Employers are maintained;
    3. Timely and courteous communication with FNPF Members and Annuitants; and
    4. Confidentiality of Information.