A seat belt retractor has a two-piece belt reel rotatably mounted on a seat belt retractor frame. The two pieces of the belt reel are a spool and a spool insert. A tightening drive creates a torque. A force transmission device transmits torque to the belt reel for winding the belt webbing onto the spool. A load limiter connects the spool and spool insert for to limit force on a seat belt-wearing vehicle occupant during the accelerated forward displacement of the seat belt-wearing vehicle occupant. During effective force limitation, when exceeding a preselected force threshold resulting from the belt force limitation effect and the torque of the tightening drive, in the force transmission device the torque transmission from the tightening drive to the belt reel is interrupted.