Watchtower/Law library/Consumer Credit Act 1974
As last captured

legislation

Consumer Credit Act 1974

Verified at publication, 2026-11-12 11:07 UTC

378 provisions in 29 parts · official text ↗

No overall summary yet: some parts of this source have not passed verification. The part summaries that did pass and the full text of every provision are below.

Part summaries

0 of 0 parts have a verified summary.

L1 unavailable for current verification: the overall summary needs every part verified. Provisions and the verified summaries remain readable.

Verification findings (410)

synthesis coverage: missing/unverified L2 part-I

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-1

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-4

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-5

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-6

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-6A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-7

synthesis coverage: missing/unverified L2 part-II

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-8

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-9

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-10

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-11

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-12

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-13

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-14

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-15

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-16

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-16A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-16B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-16C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-17

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-18

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-19

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-20

synthesis coverage: missing/unverified L2 part-III

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-21

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-22

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-23

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-24

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-24A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-25

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-25A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-26

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-27

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-27A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-28

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-28A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-28B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-28C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-29

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-30

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-31

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-32

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-32A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-32B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33D

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-33E

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-34

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-34ZA

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-34A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-35

synthesis coverage: missing/unverified L2 part-III

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36D

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36E

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-36F

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-37

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-38

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-39

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-39A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-39B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-39C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-40

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-40A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-41

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-41ZA

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-41ZB

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-41A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-42

synthesis coverage: missing/unverified L2 part-IV

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-43

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-44

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-45

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-46

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-47

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-48

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-49

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-50

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-51

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-51A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-51B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-52

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-53

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-54

synthesis coverage: missing/unverified L2 part-V

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-55

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-55A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-55B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-55C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-56

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-57

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-58

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-59

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-60

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-61

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-61A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-61B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-62

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-63

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-64

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-65

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-66

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-66A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-67

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-68

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-69

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-70

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-71

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-72

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-73

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-74

synthesis coverage: missing/unverified L2 part-VA

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-74A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-74B

synthesis coverage: missing/unverified L2 part-VI

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-75

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-75A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-76

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-77

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-77A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-77B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-78

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-78A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-79

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-80

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-81

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-82

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-82A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-83

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-84

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-85

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86D

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86E

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-86F

synthesis coverage: missing/unverified L2 part-VII

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-87

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-88

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-89

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-90

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-91

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-92

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-93

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-93A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-94

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-95

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-95A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-95B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-96

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-97

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-97A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-98

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-98A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-99

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-100

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-101

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-102

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-103

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-104

synthesis coverage: missing/unverified L2 part-VIII

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-105

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-106

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-107

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-108

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-109

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-110

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-111

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-112

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-113

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-114

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-115

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-116

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-117

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-118

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-119

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-120

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-121

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-122

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-123

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-124

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-125

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-126

synthesis coverage: missing/unverified L2 part-IX

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-127

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-128

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-129

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-129A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-130

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-130A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-131

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-132

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-133

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-134

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-135

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-136

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-137

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-138

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-139

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-140

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-140A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-140B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-140C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-140D

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-141

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-142

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-143

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-144

synthesis coverage: missing/unverified L2 part-X

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-145

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-146

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-147

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-148

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-149

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-150

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-151

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-152

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-153

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-154

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-155

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-156

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-157

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-158

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-159

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-160

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-160A

synthesis coverage: missing/unverified L2 part-XI

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-161

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-162

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-163

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-164

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-165

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-166

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-167

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-168

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-169

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-170

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-171

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-172

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-173

synthesis coverage: missing/unverified L2 part-XII

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-174

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-174A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-175

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-176

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-176A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-177

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-178

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-179

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-180

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-181

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-182

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-183

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-184

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-185

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-186

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-187

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-187A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-188

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-189

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-189A

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-189B

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-189C

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-189D

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-190

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-191

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-192

synthesis coverage: missing evaluation uk:ukpga/1974/39#section-193

synthesis coverage: missing/unverified L2 schedule-A1-part-1

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-1

synthesis coverage: missing/unverified L2 schedule-A1-part-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-4

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-5

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-6

synthesis coverage: missing/unverified L2 schedule-A1-part-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-7

synthesis coverage: missing/unverified L2 schedule-A1-part-4

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-8

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-9

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-10

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-11

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-12

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-13

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-14

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-15

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-A1-paragraph-16

synthesis coverage: missing/unverified L2 schedule-3-part-1

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-1

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-4

synthesis coverage: missing/unverified L2 schedule-3-part-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-5

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-6

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-7

synthesis coverage: missing/unverified L2 schedule-3-part-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-8

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-9

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-10

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-11

synthesis coverage: missing/unverified L2 schedule-3-part-4

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-12

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-13

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-14

synthesis coverage: missing/unverified L2 schedule-3-part-5

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-15

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-16

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-17

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-18

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-19

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-20

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-21

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-22

synthesis coverage: missing/unverified L2 schedule-3-part-6

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-23

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-24

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-25

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-26

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-27

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-28

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-29

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-30

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-31

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-32

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-33

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-34

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-35

synthesis coverage: missing/unverified L2 schedule-3-part-7

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-36

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-37

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-38

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-39

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-40

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-41

synthesis coverage: missing/unverified L2 schedule-3-part-8

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-42

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-43

synthesis coverage: missing/unverified L2 schedule-3-part-9

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-44

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-45

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-46

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-46n1

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-46n2

synthesis coverage: missing/unverified L2 schedule-3-part-10

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-49

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-3-paragraph-50

synthesis coverage: missing/unverified L2 schedule-4.-part-I

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-1

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-2

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-3

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-5

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-6

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-7

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-8

synthesis coverage: missing evaluation uk:ukpga/1974/39#schedule-4.-paragraph-9

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synthesis coverage: missing/unverified L2 schedule-4.-part-I

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synthesis coverage: missing/unverified L2 schedule-4.-part-II

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Instrument tier unavailable

Change history as published

Pt. I omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(2) · repeated 8×

S. 16 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(5)

S. 16A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(6)

S. 16B omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(7)

S. 16C omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(8)

Pt. III omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(10) (with arts. 37(5), 39(4), 41(5), 44(5), 46(3)(b), 48(3), 54(2)) · repeated 50×

Cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(11)

S. 44 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(12)

S. 45 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(13)

S. 47 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(14)

S. 51 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(15)

S. 51A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(16)

S. 51B omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(17)

Cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(18)

S. 53 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(19)

S. 54 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(20)

S. 55A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(21)

S. 55B omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(22)

Pt. 5A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(27) · repeated 2×

S. 81 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(30)

S. 82A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(32)

S. 112 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(34)

S. 115 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(37)

S. 140D omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(40)

Ss. 146-152 and cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(42) (with arts. 48A, 48B (as inserted by S.I. 2014/208, arts. 1(3)(4), 7(3)) · repeated 7×

S. 156 and cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(44)

S. 160A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(47)

S. 162 omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 14; S.I. 2015/1630, art. 3(i) (with art. 8)

S. 163 omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 15; S.I. 2015/1630, art. 3(i) (with art. 8)

S. 164 omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 16; S.I. 2015/1630, art. 3(i) (with art. 8)

S. 165 omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 17; S.I. 2015/1630, art. 3(i) (with art. 8)

S. 189A omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(61)

Sch. 3 paras. 5-7 and cross-headings omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(66)(a) · repeated 3×

Sch. 3 para. 11 and cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(66)(b)

Sch. 3 para. 44 and cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(66)(c)

Sch. 3 para. 45 and cross-heading omitted (26.7.2013 for specified purposes) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(66)(c)

Sch. 3 para. 46 and cross-heading omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(66)(c)

Sch. 4 para. 11 repealed (6.1.1997) by S.I. 1996/ 3097, arts. 1, 3(1)(b)

Sch. 4 para. 15 repealed (E.W.S.) (27.8.1993) by 1993 c. 11, ss. 67(3), 68(2), Sch. 6 .

Sch. 4 para. 16 repealed (E.W.S.) (27.8.1993) by 1993 c. 11, ss. 67(3), 68(2) Sch. 6.

Sch. 4 para. 19 repealed (5.11.1993) by 1993 c. 50, s. 1(1), Sch. 1, Pt. IX Group 1.

Sch. 4 para. 27 repealed (5.11.1993) by 1993 c. 50, s. 1(1), Sch. 1 Pt. IX Group 1.

Sch. 4 Pt. I para. 32 repealed (1.9.1994) by 1994 c. 22, ss. 65, 66(1), Sch. 5 Pt. I (with s. 57(4))

Sch. 4 Pt. II para. 38 repealed (N.I.)(01. 10. 1991) by S.I. 1989/2405 (N.I.19), art. 382, Sch. 10; S.R. 1991/411, art. 2

Sch. 4 para. 50 repealed (1.10.1991) by Finance Act 1991 (c.31, SIF 107:2), ss. 10, 123, Sch. 19 Pt. IV; S.I. 1991/2021, art 2

Parser observation, not a legal amendment: the publisher XML contains 6 empty paragraph elements.

Pending effects amendments not yet applied to this text

s. 25(1C) words substituted by The Capital Requirements Regulations 2013 Sch. 2 para. 32 · Effective date unknown · s. 25

s. 25(2A)(b) (ia) inserted by Financial Services Act 2010 Sch. 2 para. 36 · Effective date unknown · s. 25

s. 51A 51B inserted by Financial Services Act 2010 s. 15(2) · Effective date unknown

s. 51A modified by Financial Services Act 2010 s. 15(4) · Effective date unknown · s. 51A

Sch. 1 words inserted by Financial Services Act 2010 s. 15(3) · Effective date unknown

Show all 8

s. 174 restricted by Railways and Transport Safety Act 2003 s. 115 · Effective date unknown · s. 174

s. 174 words substituted by Railways and Transport Safety Act 2003 Sch. 2 para. 19(d) · Effective date unknown · s. 174

s. 16(1)(ff) words repealed by Housing Act 1996 Sch. 19 Pt. 14 · Effective date unknown · s. 16

Full TOC · table of contents Expand all parts

29 parts · 378 provisions. Open a provision for its text and, where available, its one-line summary.

Part I OFFICE OF FAIR TRADING · 8 provisions
1 General functions of OFT.
2 Powers of Secretary of State.
3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4 Dissemination of information and advice.
5 Annual and other reports.
6 Form etc. of applications.
6A Charge on applicants for licences etc.
7 Penalty for false information.
Part II Credit Agreements, Hire Agreements and Linked Transactions · 16 provisions
8 Consumer credit agreements.
9 Meaning of credit.
10 Running-account credit and fixed-sum credit.
11 Restricted-use credit and unrestricted-use credit.
12 Debtor-creditor supplier agreements.
13 Debtor-creditor agreements.
14 Credit-token agreements.
15 Consumer hire agreements.
16 Exempt agreements.
16A Exemption relating to high net worth debtors and hirers
16B Exemption relating to businesses
16C Exemption relating to investment properties
17 Small agreements.
18 Multiple agreements.
19 Linked transactions.
20 Total charge for credit
Part III Licensing of Credit and Hire Businesses · 50 provisions
21 Businesses needing a licence.
22 Standard and group licences.
23 Authorisation of specific activities.
24 Control of name of business.
24A Applications for standard licences
25 Licensee to be a fit person.
25A Guidance on fitness test
26 Conduct of business
27 Determination of applications.
27A Consumer credit EEA firms
28 Exclusion from group licence.
28A Charges to be paid by licensees etc. before end of payment periods
28B Extension of period to pay charge under s. 28A
28C Failure to pay charge under s. 28A
29 Renewal.
30 Variation by request.
31 Compulsory variation.
32 ...revocation.
32A Power to suspend licence
32B Duration of suspension
33 Application to end suspension.
33A Power of OFT to impose requirements on licensees
33B Power of OFT to impose requirements on supervisory bodies
33C Supplementary provision relating to requirements
33D Procedure in relation to requirements
33E Guidance on requirements
34 Representations to OFT.
34ZA Representations to OFT: suspension under section 32A
34A Winding-up of standard licensee's business
35 The register.
36 Duty to notify changes.
36A Further duties to notify changes etc.
36B Power of OFT to require information generally
36C Power of OFT to require access to premises
36D Entry to premises under warrant
36E Failure to comply with information requirement
36F Officers of enforcement authorities other than OFT
37 Death, bankruptcy etc. of licensee.
38 Application of s. 37 to Scotland and Northern Ireland.
39 Offences against Part III.
39A Power of OFT to impose civil penalties
39B Further provision relating to civil penalties
39C Statement of policy in relation to civil penalties
40 Enforcement of agreements made by unlicensed trader.
40A The Consumer Credit Appeals Tribunal
41 Appeals to First-tier Tribunal under Part III.
41ZA Tribunal Procedure Rules: suspension of OFT determinations
41ZB Disposal of appeals
41A Appeals from the Consumer Credit Appeals Tribunal
42 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Part IV Seeking Business · 14 provisions
43 Advertisements to which Part IV applies.
44 Form and content of advertisements.
45 Prohibition of advertisement where goods etc. not sold for cash.
46 False or misleading advertisements.
47 Advertising infringements.
48 Definition of canvassing off trade premises (regulated agreements).
49 Prohibition of canvassing debtor-creditor agreements off trade premises.
50 Circulars to minors.
51 Prohibition of unsolicited credit-tokens.
51A Restrictions on provision of credit card cheques
... Section 51A: exemption for business
52 Quotations.
53 Duty to display information.
54 Conduct of business regulations.
Part V Entry into Credit or Hire Agreements · 26 provisions
55 Disclosure of information.
55A Pre-contractual explanations etc
55B Assessment of creditworthiness
55C Copy of draft consumer credit agreement
56 Antecedent negotiations.
57 Withdrawal from prospective agreement.
58 Opportunity for withdrawal from prospective land mortgage.
59 Agreement to enter future agreement void.
60 Form and content of agreements.
61 Signing of agreement.
61A Duty to supply copy of executed consumer credit agreement
61B Duty to supply copy of overdraft agreement
62 Duty to supply copy of unexecuted agreement : excluded agreements.
63 Duty to supply copy of executed agreement : excluded agreements.
64 Duty to give notice of cancellation rights.
65 Consequences of improper execution.
66 Acceptance of credit-tokens.
66A Withdrawal from consumer credit agreement
67 Cancellable agreements.
68 Cooling-off period.
69 Notice of cancellation.
70 Cancellation: recovery of money paid by debtor or hirer.
71 Cancellation: repayment of credit.
72 Cancellation: return of goods.
73 Cancellation: goods given in part-exchange.
74 Exclusion of certain agreements from Part V.
PART VA CURRENT ACCOUNT OVERDRAFTS · 2 provisions
74A Information to be provided on a current account agreement
74B Information to be provided on significant overdrawing without prior arrangement
Part VI Matters Arising During Currency of Credit or Hire Agreements · 23 provisions
75 Liability of creditor for breaches by supplier.
75A Further provision for liability of creditor for breaches by supplier
76 Duty to give notice before taking certain action.
77 Duty to give information to debtor under fixed-sum credit agreement.
77A Statements to be provided in relation to fixed-sum credit agreements
77B Fixed-sum credit agreement: statement of account to be provided on request
78 Duty to give information to debtor under running-account credit agreement.
78A Duty to give information to debtor on change of rate of interest
79 Duty to give hirer information.
80 Debtor or hirer to give information about goods.
81 Appropriation of payments.
82 Variation of agreements.
82A Assignment of rights
83 Liability for misuse of credit facilities.
84 Misuse of credit-tokens.
85 Duty on issue of new credit-tokens.
86 Death of debtor or hirer.
86A FCA to prepare information sheets on arrears and default
86B Notice of sums in arrears under fixed-sum credit agreements etc.
86C Notice of sums in arrears under running-account credit agreements
86D Failure to give notice of sums in arrears
86E Notice of default sums
86F Interest on default sums
Part VII Default and Termination · 23 provisions
87 Need for default notice.
88 Contents and effect of default notice.
89 Compliance with default notice.
90 Retaking of protected hire-purchase etc. goods.
91 Consequences of breach of s. 90.
92 Recovery of possession of goods or land.
93 Interest not to be increased on default.
93A Summary diligence not competent in Scotland.
94 Right to complete payments ahead of time.
95 Rebate on early settlement.
95A Compensatory amount
95B Compensatory amount: green deal finance
96 Effect on linked transactions.
97 Duty to give information.
97A Duty to give information on partial repayment
98 Duty to give notice of termination (non-default cases).
98A Termination etc of open-end consumer credit agreements
99 Right to terminate hire-purchase etc. agreements.
100 Liability of debtor on termination of hire-purchase etc. agreement.
101 Right to terminate hire agreement.
102 Agency for receiving notice of rescission.
103 Termination statements.
104 Goods not to be treated as subject to landlord’s hypothec in Scotland.
Part VIII Security · 22 provisions
105 Form and content of securities.
106 Ineffective securities.
107 Duty to give information to surety under fixed-sum credit agreement.
108 Duty to give information to surety under running-account credit agreement.
109 Duty to give information to surety under consumer hire agreement.
110 Duty to give information to debtor or hirer.
111 Duty to give surety copy of default etc. notice.
112 Realisation of securities.
113 Act not to be evaded by use of security.
114 Pawn-receipts.
115 Penalty for failure to supply copies of pledge agreement, etc.
116 Redemption period.
117 Redemption procedure.
118 Loss etc. of pawn-receipt.
119 Unreasonable refusal to deliver pawn.
120 Consequence of failure to redeem.
121 Realisation of pawn.
122 Order in Scotland to deliver pawn.
123 Restrictions on taking and negotiating instruments.
124 Consequences of breach of s. 123.
125 Holders in due course.
126 Enforcement of land mortgages.
Part IX Judicial Control · 24 provisions
127 Enforcement orders in cases of infringement.
128 Enforcement orders on death of debtor or hirer.
129 Time orders.
129A Debtor or hirer to give notice of intent etc. to creditor or owner
130 Supplemental provisions about time orders.
130A Interest payable on judgment debts etc.
131 Protection orders.
132 Financial relief for hirer.
133 Hire-purchase etc. agreements: special powers of court.
134 Evidence of adverse detention in hire-purchase etc. cases.
135 Power to impose conditions, or suspend operation of order.
136 Power to vary agreements and securities.
137 Extortionate credit bargains.
138 When bargains are extortionate.
139 Reopening of extortionate agreements.
140 Interpretation of sections 137 to 139.
140A Unfair relationships between creditors and debtors
140B Powers of court in relation to unfair relationships
140C Interpretation of ss. 140A and 140B
140D Advice and information
141 Jurisdiction and parties.
142 Power to declare rights of parties.
143 Jurisdiction of county court in Northern Ireland.
144 Appeal from county court in Northern Ireland.
Part X Ancillary Credit Businesses · 17 provisions
145 Types of ancillary credit business.
146 Exceptions from section 145.
147 Application of Part III.
148 Agreement for services of unlicensed trader.
149 Regulated agreements made on introductions by unlicensed credit-broker.
150 Appeals to Secretary of State against licensing decisions.
151 Advertisements.
152 Application of sections 52 to 54 to credit brokerage etc.
153 Definition of canvassing off trade premises (agreements for ancillary credit services).
154 Prohibition of canvassing certain ancillary credit services off trade premises.
155 Right to recover brokerage fees.
156 Entry into agreements.
157 Duty to disclose name etc. of agency.
158 Duty of agency to disclose filed information.
159 Correction of wrong information.
160 Alternative procedure for business consumers.
160A Credit intermediaries
Part XI Enforcement of Act · 13 provisions
161 Enforcement authorities.
162 Powers of entry and inspection.
163 Compensation for loss.
164 Power to make test purchases etc.
165 Obstruction of authorised officers.
166 Notification of convictions and judgments to FCA.
167 Penalties.
168 Defences.
169 Offences by bodies corporate.
170 No further sanctions for breach of Act.
171 Onus of proof in various proceedings.
172 Statements by creditor or owner to be binding.
173 Contracting-out forbidden.
Part XII Supplemental · 27 provisions
174 Restrictions on disclosure of information.
174A Powers to require provision of information or documents etc.
175 Duty of persons deemed to be agents.
176 Service of documents.
176A Electronic transmission of documents
177 Saving for registered charges.
178 Local Acts.
179 Power to prescribe form etc. of secondary documents.
180 Power to prescribe form etc. of copies.
181 Power to alter monetary limits etc.
182 Regulations and orders.
183 Determinations etc. by FCA .
184 Associates.
185 Agreement with more than one debtor or hirer.
186 Agreement with more than one creditor or owner.
187 Arrangements between creditor and supplier.
187A Definition of ‘default sum’
188 Examples of use of new terminology.
189 Definitions.
189A Meaning of “consumer credit EEA firm ”
189B Green deal plans
189C Section 189B: supplementary provision
189D Section 189B: temporary provision
190 Financial provisions.
191 Special provisions as to Northern Ireland.
192 Transitional and commencement provisions, amendments and repeals.
193 Short title and extent.
Part 1 Interpretation · 1 provisions
1
Part 2 The Tribunal · 5 provisions
2
3
4
5
6
Part 3 Constitution of the Tribunal · 1 provisions
7
Part 4 Tribunal powers and procedure · 9 provisions
8
9
10
11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
13
14
15
16
Part II of Act Credit Agreements, Hire Agreements and Linked Transactions · 4 provisions
1
2
3
4
Part III of Act Licensing of Credit and Hire Businesses · 3 provisions
5
6
7
Part IV of Act Seeking Business · 4 provisions
8
9
10
11
Part V of Act Entry into Credit or Hire Agreements · 3 provisions
12
13
14
Part VI of Act Matters Arising During Currency of Credit or Hire Agreements · 8 provisions
15
16
17
18
19
20
21
22
Part VII of Act Default and Termination · 13 provisions
23
24
25
26
27
28
29
30
31
32
33
34
35
Part VIII of Act Security · 6 provisions
36
37
38
39
40
41
Part IX of Act Judicial Control · 2 provisions
42
43
Part X of Act Ancillary Credit Businesses · 5 provisions
44
45
46
47
48
Part XII of Act Supplemental · 2 provisions
49
50
PART I UNITED KINGDOM · 35 provisions
1
2
3
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
Part II NORTHERN IRELAND · 12 provisions
38
39
40
41
43
44
45
46
48
49
50
51