# criterion.org.uk > AI-optimized mirror of criterion.org.uk containing 50 pages totalling 17,808 words of clean markdown content, structured data, and semantic HTML. Original source: https://criterion.org.uk/. Last updated: 2026-06-14T02:00:30.193Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [Behind every great integration, there's Criterion](/content/site-root.html) (303 words) ## Articles & Blog Posts - [404 - Page not found](/content/what-we-do/criterion-standards/standards-library/version/version-10-draft-platform-account-opening/index.html): This page could not be found It may have been removed, had its name changed or is temporarily unavailable. Go to the Criterion homepage (88 words) - [Later Life Lending Summit 2025](/content/insights/news/later-life-lending-summit-2025/index.html): We discuss the Later Life Lending Summit key takeaways and discussions on integration and standardisation. (646 words) - [30 years of industry Standards](/content/news-and-events/30-years-industry-standards/index.html): We look back at our first industry Standard and how it helped established the basis for the next 30 years of collaboration around integration Standards. (806 words) - [PSG Update - September 2025](/content/insights/news/psg-update-september-2025/index.html): Read our latest Process and Standards Group update. (624 words) - [news/index.html](/content/news/index.html) (1 words) - [Shaping the future of Letters of Authority (LoAs): join the conversation on 1 May](/content/insights/news/shaping-future-letters-authority-loas-join-conversation-1-may.html): We are hosting an industry feedback session to discuss the LoA Data Checklist and next steps. (429 words) - [PSG Update - March 2025](/content/insights/news/psg-update-march-2025/index.html): Read our latest Process and Standards Group update. (535 words) - [terms-and-conditions/index.html](/content/terms-and-conditions/index.html) (1 words) - [privacy-notice/index.html](/content/privacy-notice/index.html) (1 words) - [about-us/our-people/index.html](/content/about-us/our-people/index.html) (1 words) - [common-declarations-standards/index.html](/content/common-declarations-standards/index.html) (1 words) - [integration/standards-library/version/version-212-common-annuity-declarations/index.html](/content/integration/standards-library/version/version-212-common-annuity-declarations/index.html) (1 words) - [30 years of industry Standards](/content/about-us/our-story/index.html): Criterion, operating as an independent not-for-profit organisation, was formed in 2017 as an industry body dedicated to providing Standards and Governance services. However, we have been publishing process and integration Standards for 30 years, launching the first industry Standard, EDI Commission, in 1994. (1,234 words) - [integration/change-requests/index.html](/content/integration/change-requests/index.html) (1 words) - [Register for an account](/content/user/register/index.html) (369 words) - [Competition Act Policy](/content/competition-act-policy/index.html): As is recognised within the Competition Act 1998 (The Act), Trade Bodies/Standards Bodies need to exercise care to ensure compliance with the Act. Bodies such as Criterion can be held liable in their own right for competition law infringements. In addition members or participants can be directly liable and subject to the same sanctions. It should be noted that decisions of bodies such as Criterion could constitute agreements between its participants. (286 words) - [Letter of Authority Standards](/content/loa/index.html): Current LoA processes rely on a huge amount of manual effort by both advisers and providers to navigate a wide variety of approaches to request, authorisation and fulfilment. Accurate, up-to-date details of clients’ investments and policies are critical for robust, high-quality advice and response times and outcomes are inconsistent. (1,126 words) - [OpenAPI definitions](/content/openapi-showcase/index.html): OpenAPI definitions are a set of guidelines and protocols that define how software components should interact with each other. These standards ensure consistency, compatibility, and interoperability between different systems and services, allowing them to communicate effectively and seamlessly exchange data. OpenAPI standards often include definitions for data formats, communication protocols, and error-handling procedures, facilitating the integration of diverse software applications and enabling the development of robust and scalable systems. (827 words) - [MPS Standards](/content/mps-standards-1/index.html): We're working with the investment platform and DFM communities to produce standards for key processes that support the management of model portfolios on platforms and invite organisations to support the initiative to reduce risk, cost and friction in order to improve efficiency. (1,062 words) - [Login](/content/user/login/index.html) (83 words) - [Version 2.11 of Common Transfer Declarations](/content/integration/standards-library/version/version-211-common-transfer-declarations/index.html): Criterion Common Transfer Declarations version 2.11 (120 words) - [Version 1.3 of Common Bulk Transfer Declarations](/content/integration/standards-library/version/version-13-common-bulk-transfer-declarations/index.html): Criterion Common Bulk Transfer Declarations version 1.3 (121 words) - [Working Groups](/content/integration/working-groups/index.html): By joining, you can influence practical improvements, solve shared challenges and help ensure the standards work better for your business and your customers. (710 words) - [Criterion to lead the Retirement Income Providers’ Forum](/content/insights/news/criterion-lead-retirement-income-providers-forum/index.html): We are chairing the Retirement Income Providers’ Forum, bringing consistency, focus and over 30 years of experience to support collaboration and tackle industry challenges. (655 words) - [Who we work with](/content/who-we-work/index.html) (164 words) - [About us](/content/about-us/index.html): At Criterion, we help the industry connect and communicate more effectively. We bring clarity to complex processes through trusted standards, collaboration and insight so organisations can deliver better outcomes. (214 words) - [PSG: championing quality integrations for a connected future](/content/insights/news/psg-championing-quality-integrations-connected-future.html): Discover how PSG membership gives your organisation influence, insight, and a voice in shaping the future of integration. (473 words) - [Cookie Policy](/content/cookies/index.html): A cookie is a small piece of data (which often includes a unique identifier) that is stored on your computer, mobile phone or tablet. It is generated when users access a certain website. The cookie is stored on your browser and then sent back to the originating website on each subsequent visit. (445 words) - [Getting more from standards](/content/guides/index.html) (464 words) - [News and Events](/content/insights/news/index.html) (443 words) - [About STAR and our role](/content/integration/star/index.html) (306 words) - [Criterion takes lead on Fix LoA Action Group, building on Pension Lab’s founding work](/content/insights/news/criterion-takes-lead-fix-loa-action-group-building-pension-labs-founding-work.html): We’ve taken stewardship of FLAG, the industry-wide group uniting over 70 organisations to make Letters of Authority (LoAs) faster, simpler, and more secure. (556 words) - [Our response to the FCA’s life insurer pension transfer review findings](/content/insights/news/our-response-fcas-life-insurer-pension-transfer-review-findings.html): We discuss the findings of this report and the STAR initiatives’ transfer standards. (474 words) - [Equity Release Standards](/content/equity-release/index.html): Criterion took on the stewardship of API designs for Equity Release Quotes and KFIs, initially created by Iress, and through collaboration with the working group, later developed the Equity Release Apply Standard.Both have been published as industry Standards and we will continue to work with market stakeholders to support and manage their evolution.Our Equity Release API Standards are free to access and adopt. To access them, just register on our website. (736 words) - [Life, Pension, and Investment Standards](/content/life-pensions-and-investment-standards/index.html): The life, pension and investment industry needs to have efficient integration processes to ensure seamless data flow and quick decision-making. Criterion has been providing the Standards for data messaging for over 30 years, allowing firms to increase automation and improve customer experiences and outcomes. (433 words) - [Version 3.1 of Occupation Codes List](/content/integration/standards-library/version/version-31-occupation-codes-list/index.html): Version 3.1 of the Criterion Occupation Codes List has been updated, correcting Industry-approved errata, adding new Occupations, removing redundant Occupations and improving any Occupations that were considered out of date. Two versions of the list are provided to ease the implementation of the changes made in Version 3.1: (319 words) - [Fresh Start](/content/who-we-work/charity-partner/index.html): Founded over 25 years ago, Fresh Start provides practical, person‑centred support that helps individuals and families rebuild their confidence, independence and sense of belonging. It focuses on dignity, long‑term stability and community connection. Whether it’s supplying essential Starter Packs, providing white goods, offering cooking classes or supporting decorating and community food services, each programme is designed to make a meaningful, lasting difference at a crucial turning point in people’s lives. (228 words) - [Version 1.0 Draft A of LoA Data Checklist](/content/integration/standards-library/version/version-10-draft-loa-data-checklist/index.html): This is version 1.0 Draft A (25/02/2025) of the LoA Data Checklist Standard. Further checklists for other products may be added in the future. (191 words) - [Common Declarations: the invisible engine powering electronic transfers](/content/insights/news/common-declarations-invisible-engine-powering-electronic-transfers.html): Discover how our Common Declaration Standards deliver trusted, consistent pension transfers – powering reliability you can count on. (494 words) - [Careers at Criterion](/content/careers/index.html): Criterion, operating as an independent not-for-profit industry body, was established in 2017 to serve the industry's needs. However, we’ve been delivering Standards and Governance services to the UK’s financial services industry since 1989. We are a small but efficient team who work collaboratively with organisations to increase efficiencies by saving time, reducing costs and improving speed to market. (161 words) - [Keeping MPS clients in focus](/content/whitepapers/keeping-mps-clients-focus/index.html): "Keeping the client in focus” whitepaper - produced in partnership with NextWealth, a call on the industry to reduce friction and risk in the management of MPS on platforms.NextWealth and CriterionJune 2024 (265 words) - [transfers/star/index.html](/content/transfers/star/index.html) (1 words) - [Search the website](/content/contact-us/index.html): Get in touch to find out learn how our standards, governance services and working groups can support your business. (153 words) - [Criterion standards define common processes, data and technical details.](/content/integration/standards-library/index.html) (184 words) - [Licence Holders](/content/who-we-work/licence-holders/index.html) (267 words) - [Integration at Criterion](/content/integration/index.html): Deliver quality integrations faster - with less rework and better data. Our standards help you cut development time, reduce costs and speed up time to market, while making it easier for partners to do business with you.We work across the UK’s financial services ecosystem to strengthen connectivity, drive innovation and improve financial outcomes for individuals (200 words) - [contact/index.html](/content/contact/index.html) (1 words) - [platform-account-opening-standard/index.html](/content/platform-account-opening-standard/index.html) (1 words) - [STAR 2025 accreditations: recognising firms leading the charge against transfer delays](/content/insights/news/star-2025-accreditations-recognising-firms-leading-charge-against-transfer-delays.html): The STAR initiative has awarded the 2025 accreditations. (604 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives