Watchtower/Law library/Consumer Rights Act 2015/22
As last captured

Consumer Rights Act 2015 · PART 2 Scope of Part 1

22

Sch. 2 para. 22 · in force: yes

Captured statutory text (L5)

22

Paragraph 11 (variation of contract without valid reason) does not include a term by which a supplier of financial services reserves the right to alter the rate of interest payable by or due to the consumer, or the amount of other charges for financial services without notice where there is a valid reason, if—
(a)the supplier is required to inform the consumer of the alteration at the earliest opportunity, and
(b)the consumer is free to dissolve the contract immediately.
Full captured verbatim text
Paragraph 11 (variation of contract without valid reason) does not include a term by which a supplier of financial services reserves the right to alter the rate of interest payable by or due to the consumer, or the amount of other charges for financial services without notice where there is a valid reason, if—

(a) the supplier is required to inform the consumer of the alteration at the earliest opportunity, and

(b) the consumer is free to dissolve the contract immediately.

What this provision means

Model summary, checked against the text on the left.

Relevance to Signicat: 1/3 · detailed summary (L4) Status: not needed for a short provision · Stored artifact; current recipe verification unavailable

Paragraph 11 excludes financial services terms altering interest rates or charges without notice for valid reasons under specified notice and dissolution conditions.

Only the one-line summary above is stored for this provision; the text itself is the evidence.

Refers to

No captured references.

Referred to by

schedule ref schedule_ref · Sch. 4 para. 27

schedule ref schedule_ref · Sch. 4 para. 37

schedule ref schedule_ref · Sch. 5 para. 20A

schedule ref schedule_ref · Sch. 6 para. 26

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 (469)

synthesis coverage: missing/unverified L2 part-1-chapter-1

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synthesis coverage: missing evaluation uk:ukpga/2015/15#section-2

synthesis coverage: missing/unverified L2 part-1-chapter-2

synthesis coverage: missing evaluation uk:ukpga/2015/15#section-3

synthesis coverage: missing evaluation uk:ukpga/2015/15#section-4

synthesis coverage: missing evaluation uk:ukpga/2015/15#section-5

synthesis coverage: missing evaluation uk:ukpga/2015/15#section-6

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synthesis coverage: missing evaluation uk:ukpga/2015/15#section-8

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synthesis coverage: missing evaluation uk:ukpga/2015/15#section-11

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Instrument tier unavailable

Change history as published

Sch. 5 para. 4 and cross-heading omitted (6.4.2025) by virtue of Digital Markets, Competition and Consumers Act 2024 (c. 13), s. 339(1), Sch. 18 para. 11(3) (with Sch. 19); S.I. 2025/272, reg. 2(1)(9)

Pending effects amendments not yet applied to this text

s. 83 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 83

s. 84 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 84

s. 85 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 85

s. 86 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 86

s. 87 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 87

Show all 30

s. 88 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 2 · Effective date unknown · s. 88

Sch. 9 para. 1 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 1

Sch. 9 para. 2 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 2

Sch. 9 para. 3 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 3

Sch. 9 para. 4 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 4

Sch. 9 para. 5 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 5

Sch. 9 para. 6 coming into force by Gorchymyn Deddf Hawliau Defnyddwyr 2015 (Cychwyn Rhif 2) (Cymru) 2015 art. 3 · Effective date unknown · Sch. 9 para. 6

s. 11(4) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(2)(a) · Effective date unknown · s. 11

s. 11(5) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(2)(b) · Effective date unknown · s. 11

s. 12(2A) inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(3)(a) · Effective date unknown · s. 12

s. 12(3) words substituted by Digital Markets, Competition and Consumers Act 2024 s. 278(3)(b)(i) · Effective date unknown · s. 12

s. 12(3) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(3)(b)(ii) · Effective date unknown · s. 12

s. 36(3) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(4)(a) · Effective date unknown · s. 36

s. 36(4) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(4)(b) · Effective date unknown · s. 36

s. 37(2A) inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(5)(a) · Effective date unknown · s. 37

s. 37(3) words substituted by Digital Markets, Competition and Consumers Act 2024 s. 278(5)(b)(i) · Effective date unknown · s. 37

s. 37(3) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(5)(b)(ii) · Effective date unknown · s. 37

s. 50(3) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(6)(a) · Effective date unknown · s. 50

s. 50(4) words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(6)(b) · Effective date unknown · s. 50

s. 88(1) words omitted by Leasehold and Freehold Reform Act 2024 Sch. 9 para. 16 · Effective date unknown · s. 88

Sch. 5 para. 10 words inserted by Automated Vehicles Act 2024 Sch. 5 para. 2 · Effective date unknown · Sch. 5 para. 10

Sch. 5 para. 10 words inserted by Digital Markets, Competition and Consumers Act 2024 s. 278(7) · Effective date unknown · Sch. 5 para. 10

Sch. 5 para. 10 words inserted by Leasehold and Freehold Reform Act 2024 s. 23(5)(a) · Effective date unknown · Sch. 5 para. 10

specified provision(s) amendment to earlier commencing SI 2015/1630, art. 4, 6 by The Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) (Amendment) Order 2016 art. 2 · Effective date unknown

Sch. 5 words inserted by Tobacco and Vapes Act 2026 Sch. 21 para. 12 · Effective date unknown

Provenance

Every claim the system makes about this text is traceable to these identifiers.

Instrument
uk:ukpga/2015/15
Part
PART 2 Scope of Part 1
Version
9f3ce0f809cfa74da6064c11…
Content hash
sha256 fb0dad07b898cc2c1ef48824…
Source
legislation.gov.uk/ukpga/2015/15