Opra supervises a range of legal requirements affecting occupational pensions including stakeholder pensions. It also supervises employers who make employer or employee payments into personal pensions. Opra can take action where carelessness or negligence could put a scheme at risk. It collects the levy that funds Opra, OPAS, and the Pensions Ombudsman while also running the Pensions Registry. The sale and marketing of personal pensions and stakeholder pensions is supervised by the FSA. In 2005 Opra will be replaced by the Pensions Regulator. See PENSION PROTECTION FUND.