Consumer Credit Act 1974
1974 c. 39An Act to establish for the protection of consumers a new system, administered by the Director General of Fair Trading, of licensing and other control of traders concerned with the provision of credit, or the supply of goods on hire or hire-purchase, and their transactions, in place of the present enactments regulating moneylenders, pawnbrokers and hire-purchase traders and their transactions; and for related matters.
F362Part I OFFICE OF FAIR TRADING¶
F3621 General functions of OFT.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3622 Powers of Secretary of State.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3623 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¶
F3624 Dissemination of information and advice.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3625 Annual and other reports.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3626 Form etc. of applications.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3626A Charge on applicants for licences etc.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F3627 Penalty for false information.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Part II Credit Agreements, Hire Agreements and Linked Transactions¶
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.¶
A debtor-creditor-supplier agreement is a regulated consumer credit agreement being—13 Debtor-creditor agreements.¶
A debtor-creditor agreement is a regulated consumer credit agreement being—14 Credit-token agreements.¶
15 Consumer hire agreements.¶
F36416 Exempt agreements.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36516A Exemption relating to high net worth debtors and hirers¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36616B Exemption relating to businesses¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36716C Exemption relating to investment properties¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Small agreements.¶
18 Multiple agreements.¶
19 Linked transactions.¶
20 Total charge for credit¶
In this Act, “the total charge for credit” has the meaning given by the Regulated Activities Order for the purposes of Chapter 14A of Part 2 of that Order.F369Part III Licensing of Credit and Hire Businesses¶
F369 Licensing principles¶
F36921 Businesses needing a licence.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36922 Standard and group licences.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36923 Authorisation of specific activities.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36924 Control of name of business.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36924A Applications for standard licences¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369F31325 Licensee to be a fit person.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36925A Guidance on fitness test¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36926 Conduct of business¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369 Issue of licences¶
F36927 Determination of applications.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36927A Consumer credit EEA firms¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36928 Exclusion from group licence.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369Charges for indefinite licences¶
F36928A Charges to be paid by licensees etc. before end of payment periods¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36928B Extension of period to pay charge under s. 28A¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36928C Failure to pay charge under s. 28A¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369 Renewal, variation, suspension and revocation of licences¶
F36929 Renewal.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36930 Variation by request.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36931 Compulsory variation.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36932 ...revocation.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36932A Power to suspend licence¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36932B Duration of suspension¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36933 Application to end suspension.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369Further powers of OFT to regulate conduct of licensees etc.¶
F36933A Power of OFT to impose requirements on licensees ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36933B Power of OFT to impose requirements on supervisory bodies¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36933C Supplementary provision relating to requirements¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36933D Procedure in relation to requirements¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36933E Guidance on requirements¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369 Miscellaneous¶
F36934 Representations to OFT.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36934ZA Representations to OFT: suspension under section 32A¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36934A Winding-up of standard licensee's business¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36935 The register.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936 Duty to notify changes.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936A Further duties to notify changes etc. ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936B Power of OFT to require information generally ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936C Power of OFT to require access to premises ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936D Entry to premises under warrant¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936E Failure to comply with information requirement¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36936F Officers of enforcement authorities other than OFT ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36937 Death, bankruptcy etc. of licensee.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36938 Application of s. 37 to Scotland and Northern Ireland.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36939 Offences against Part III.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36939A Power of OFT to impose civil penalties ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36939B Further provision relating to civil penalties¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36939C Statement of policy in relation to civil penalties¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36940 Enforcement of agreements made by unlicensed trader.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F369Appeals¶
F36940A The Consumer Credit Appeals Tribunal¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36941 Appeals to First-tier Tribunal under Part III.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36941ZA Tribunal Procedure Rules: suspension of OFT determinations¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36941ZB Disposal of appeals¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36941A Appeals from the Consumer Credit Appeals Tribunal¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F36942 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¶
Part IV Seeking Business¶
F308 ...¶
F30843 F448 Advertisements to which Part IV applies.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37044 Form and content of advertisements.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37145 Prohibition of advertisement where goods etc. not sold for cash.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 F448 False or misleading advertisements.¶
F9. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37247 Advertising infringements.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Canvassing etc.¶
48 Definition of canvassing off trade premises (regulated agreements).¶
49 Prohibition of canvassing debtor-creditor agreements off trade premises.¶
50 Circulars to minors. C6¶
F373C3051 Prohibition of unsolicited credit-tokens.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37451A Restrictions on provision of credit card cheques¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F375F375... Section 51A: exemption for business¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F309 ...¶
F30952 F449 Quotations.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37653 Duty to display information.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37754 Conduct of business regulations.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Part V Entry into Credit or Hire Agreements¶
Preliminary matters¶
C3155 Disclosure of information.¶
F37855A Pre-contractual explanations etc¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F37955B Assessment of creditworthiness¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C3255C 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.¶
Making the agreement¶
C3360 Form and content of agreements.¶
C3461 Signing of agreement.¶
C3561A Duty to supply copy of executed consumer credit agreement¶
61B Duty to supply copy of overdraft agreement¶
C3662 Duty to supply copy of unexecuted agreement : excluded agreements.¶
C3763 Duty to supply copy of executed agreement : excluded agreements.¶
C3864 Duty to give notice of cancellation rights.¶
C3965 Consequences of improper execution.¶
C766 Acceptance of credit-tokens.¶
Withdrawal from certain agreements¶
C4066A Withdrawal from consumer credit agreement¶
Cancellation of certain agreements within cooling-off period¶
C4167 Cancellable agreements.¶
(1) Subject to subsection (2) a regulated agreement may be cancelled by the debtor or hirer in accordance with this Part if the antecedent negotiations included oral representations made when in the presence of the debtor or hirer by an individual acting as, or on behalf of, the negotiator, unless—C4168 Cooling-off period.¶
The debtor or hirer may serve notice of cancellation of a cancellable agreement between his signing of the unexecuted agreement and—C4169 Notice of cancellation.¶
.
C4170 Cancellation: recovery of money paid by debtor or hirer.¶
C4171 Cancellation: repayment of credit.¶
C4172 Cancellation: return of goods.¶
C4173 Cancellation: goods given in part-exchange.¶
Exclusion of certain agreements from Part V¶
74 Exclusion of certain agreements from Part V.¶
F311PART VA CURRENT ACCOUNT OVERDRAFTS¶
F31174A Information to be provided on a current account agreement¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F31174B Information to be provided on significant overdrawing without prior arrangement¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Part VI Matters Arising During Currency of Credit or Hire Agreements¶
C63C64C65C7375 Liability of creditor for breaches by supplier.¶
C4275A Further provision for liability of creditor for breaches by supplier¶
C8C5076 Duty to give notice before taking certain action.¶
C5477 Duty to give information to debtor under fixed-sum credit agreement.¶
C977A Statements to be provided in relation to fixed-sum credit agreements¶
C5577B Fixed-sum credit agreement: statement of account to be provided on request¶
78 Duty to give information to debtor under running-account credit agreement.¶
C5778A Duty to give information to debtor on change of rate of interest¶
79 Duty to give hirer information.¶
C4380 Debtor or hirer to give information about goods.¶
F38981 Appropriation of payments.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .82 Variation of agreements.¶
F39482A Assignment of rights¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C1083 Liability for misuse of credit facilities.¶
C1184 Misuse of credit-tokens.¶
85 Duty on issue of new credit-tokens.¶
C5186 Death of debtor or hirer.¶
Information sheets¶
86A F333FCA to prepare information sheets on arrears and default¶
Sums in arrears and default sums¶
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¶
C5986E Notice of default sums¶
C6086F Interest on default sums¶
Part VII Default and Termination¶
Default notices¶
C12C5287 Need for default notice.¶
88 Contents and effect of default notice.¶
89 Compliance with default notice.¶
If before the date specified for that purpose in the default notice the debtor or hirer takes the action specified under section 88(1)(b) or (c) the breach shall be treated as not having occurred.Further restriction of remedies for default¶
90 Retaking of protected hire-purchase etc. goods.¶
91 Consequences of breach of s. 90.¶
If goods are recovered by the creditor in contravention of section 90—92 Recovery of possession of goods or land.¶
C61C6993 Interest not to be increased on default.¶
The debtor under a regulated consumer credit agreement shall not be obliged to pay interest on sums which, in breach of the agreement, are unpaid by him at a rate—93A Summary diligence not competent in Scotland.¶
Summary diligence shall not be competent in Scotland to enforce payment of a debt due under a regulated agreement or under any security related thereto.Early payment by debtor¶
C44C7094 Right to complete payments ahead of time.¶
C44C7195 Rebate on early settlement.¶
C4495A Compensatory amount¶
C4495B Compensatory amount: green deal finance¶
C4496 Effect on linked transactions.¶
C4497 Duty to give information.¶
C4497A Duty to give information on partial repayment¶
Termination of agreements¶
C5398 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.¶
Provided that if the previous owner has died, or any other event has occurred whereby that property, if vested in him immediately before that event, would thereupon have vested in some other person, the property shall be treated as having devolved as if it had been vested in the previous owner immediately before his death or immediately before that event, as the case may be.
100 Liability of debtor on termination of hire-purchase etc. agreement.¶
101 Right to terminate hire agreement.¶
C45102 Agency for receiving notice of rescission.¶
103 Termination statements.¶
104 Goods not to be treated as subject to landlord’s hypothec in Scotland.¶
Goods comprised in a hire-purchase agreement or goods comprised in a conditional sale agreement which have not become vested in the debtor shall not be treated in Scotland as subject to the landlord’s hypothec—Part VIII Security¶
General¶
C46105 Form and content of securities.¶
C46106 Ineffective securities.¶
Where, under any provision of this Act, this section is applied to any security provided in relation to a regulated agreement, then, subject to section 177 (saving for registered charges)—C46107 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.¶
C56110 Duty to give information to debtor or hirer.¶
111 Duty to give surety copy of default etc. notice.¶
F396112 Realisation of securities.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .113 Act not to be evaded by use of security.¶
Pledges¶
114 C13 Pawn-receipts. ¶
F399115 Penalty for failure to supply copies of pledge agreement, etc. ¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .116 Redemption period. C14¶
117 Redemption procedure. C15¶
118 Loss etc. of pawn-receipt. C16¶
119 Unreasonable refusal to deliver pawn. C17¶
120 Consequence of failure to redeem. C18¶
121 Realisation of pawn. C19¶
122 Order in Scotland to deliver pawn. C20¶
Negotiable instruments¶
123 Restrictions on taking and negotiating instruments.¶
124 Consequences of breach of s. 123.¶
125 Holders in due course.¶
Land mortgages¶
F325126 Enforcement of land mortgages.¶
Part IX Judicial Control¶
Enforcement of certain regulated agreements and securities¶
C68127 Enforcement orders in cases of infringement.¶
128 Enforcement orders on death of debtor or hirer.¶
The court shall make an order under section 86(2) if, but only if, the creditor or owner proves that he has been unable to satisfy himself that the present and future obligations of the debtor or hirer under the agreement are likely to be discharged.Extension of time¶
C21C47129 Time orders.¶
C47129A Debtor or hirer to give notice of intent etc. to creditor or owner¶
C47130 Supplemental provisions about time orders.¶
Interest¶
C62130A Interest payable on judgment debts etc.¶
Protection of property pending proceedings¶
131 Protection orders.¶
The court, on the application of the creditor or owner under a regulated agreement, may make such orders as it thinks just for protecting any property of the creditor or owner, or property subject to any security, from damage or depreciation pending the determination of any proceedings under this Act, including orders restricting or prohibiting use of the property or giving directions as to its custody.Hire and hire-purchase etc. agreements¶
132 Financial relief for hirer.¶
133 Hire-purchase etc. agreements: special powers of court.¶
134 Evidence of adverse detention in hire-purchase etc. cases.¶
Supplemental provisions as to orders¶
135 Power to impose conditions, or suspend operation of order.¶
C48136 Power to vary agreements and securities.¶
The court may in an order made by it under this Act include such provision as it considers just for amending any agreement or security in consequence of a term of the order.Extortionate credit bargains¶
137 Extortionate credit bargains.¶
F122. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .138 When bargains are extortionate.¶
F123. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .139 Reopening of extortionate agreements.¶
F124. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .140 Interpretation of sections 137 to 139.¶
F125. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Unfair relationships¶
C72140A Unfair relationships between creditors and debtors¶
C72140B Powers of court in relation to unfair relationships¶
C72140C Interpretation of ss. 140A and 140B¶
F401140D Advice and information¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Miscellaneous¶
141 Jurisdiction and parties.¶
142 Power to declare rights of parties.¶
Northern Ireland¶
143 Jurisdiction of county court in Northern Ireland.¶
Without prejudice to any provision which may be made by rules of court made in relation to county courts in Northern Ireland such rules may provide—144 Appeal from county court in Northern Ireland.¶
Any person dissatisfied—Part X Ancillary Credit Businesses¶
Definitions¶
145 Types of ancillary credit business.¶
F450146 Exceptions from section 145.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F450...¶
F450147 Application of Part III.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F450C28148 Agreement for services of unlicensed trader.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F450C29149 Regulated agreements made on introductions by unlicensed credit-broker.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F450150 Appeals to Secretary of State against licensing decisions.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Seeking business¶
F450151 F450 Advertisements.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F450152 F450 Application of sections 52 to 54 to credit brokerage etc.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .153 F450 Definition of canvassing off trade premises (agreements for ancillary credit services).¶
154 F450 Prohibition of canvassing certain ancillary credit services off trade premises.¶
It is an offence to canvass off trade premises the services of a person carrying on a business of credit-brokerage, debt-adjusting , debt-counselling or the provision of credit information services.155 Right to recover brokerage fees.¶
F310...¶
F310156 Entry into agreements.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Credit reference agencies¶
C67157 Duty to disclose name etc. of agency.¶
C67158 Duty of agency to disclose filed information.¶
C67159 Correction of wrong information.¶
C67160 Alternative procedure for business consumers.¶
F414160A Credit intermediaries¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Part XI Enforcement of Act¶
161 Enforcement authorities.¶
F454162 Powers of entry and inspection.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F455163 Compensation for loss.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F456164 Power to make test purchases etc.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F457165 Obstruction of authorised officers.¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .F347166 Notification of convictions and judgments to FCA.¶
Where a person is convicted of an offence or has a judgment given against him by or before any court in the United Kingdom and it appears to the court—C23C24C26167 C22 Penalties. ¶
168 Defences.¶
169 Offences by bodies corporate.¶
Where at any time a body corporate commits an offence under this Act with the consent or connivance of, or because of neglect by, any individual, the individual commits the like offence if at that time—170 No further sanctions for breach of Act.¶
171 Onus of proof in various proceedings.¶
172 Statements by creditor or owner to be binding.¶
- section 77(1),
- section 78(1),
- section 79(1),
- section 97(1),
- section 107(1)(c),
- section 108(1)(c), or
- section 109(1)(c),
C49173 Contracting-out forbidden.¶
Part XII Supplemental¶
174 Restrictions on disclosure of information.¶
F163. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .C27174A Powers to require provision of information or documents etc.¶
175 Duty of persons deemed to be agents.¶
Where under this Act a person is deemed to receive a notice or payment as agent of the creditor or owner under a regulated agreement, he shall be deemed to be under a contractual duty to the creditor or owner to transmit the notice, or remit the payment, to him forthwith.176 Service of documents.¶
176A Electronic transmission of documents¶
177 Saving for registered charges.¶
.
178 Local Acts.¶
The Treasury or the Department of Commerce for Northern Ireland may by order make such amendments or repeals of any provision of any local Act as appears to the Treasury or, as the case may be, the Department, necessary or expedient in consequence of the replacement by this Act of the enactments relating to pawnbrokers and moneylenders.Regulations, orders, etc.¶
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.¶
F175183 Determinations etc. by FCA .¶
Interpretation¶
184 Associates.¶
185 Agreement with more than one debtor or hirer.¶
186 Agreement with more than one creditor or owner.¶
Where an actual or prospective regulated agreement has two or more creditors or owners, anything required by or under this Act to be done to, or in relation to, or by, the creditor or owner shall be effective if done to, or in relation to, or by, any one of them.187 Arrangements between creditor and supplier.¶
187A Definition of ‘default sum’¶
188 Examples of use of new terminology.¶
189 Definitions.¶
- “advertisement ” includes every form of advertising, whether in a publication, by television or radio, by display of notices, signs, labels, showcards or goods, by distribution of samples, circulars, catalogues, price lists or other material, by exhibition of pictures, models or films, or in any other way, and references to the publishing of advertisements shall be construed accordingly;
- F427...
- “ancillary credit business ” has the meaning given by section 145(1);
- “antecedent negotiations ” has the meaning given by section 56;
- F427...
- “appropriate method” means–
- post, or
- transmission in the form of an electronic communication in accordance with section 176A(1);”
- “assignment ”, in relation to Scotland, means assignation;
- “associate ” shall be construed in accordance with section 184;
- “authorised business overdraft agreement” means a debtor-creditor agreement which provides authorisation in advance for the debtor to overdraw on a current account, where the agreement is entered into by the debtor wholly or predominantly for the purposes of the debtor's business (see subsection (2A));
- “authorised non-business overdraft agreement” means a debtor-creditor agreement which provides authorisation in advance for the debtor to overdraw on a current account where—
- the credit must be repaid on demand or within three months, and
- the agreement is not entered into by the debtor wholly or predominantly for the purposes of the debtor's business (see subsection (2A));
- F190. . .
- “building society ” means a building society within the meaning of the Building Societies Act 1986;
- “business ” includes profession or trade, and references to a business apply subject to subsection (2);
- “cancellable agreement ” means a regulated agreement which, by virtue of section 67, may be cancelled by the debtor or hirer;
- “canvass ” shall be construed in accordance with sections 48 and 153;
- “cash” includes money in any form;
- “charity” means as respects England and Wales a charity registered under the Charities Act 2011 or an exempt charity (within the meaning of that Act), as respects Northern Ireland an institution or other organisation established for charitable purposes only ( “organisation ” including any persons administering a trust and “charitable ” being construed in the same way as if it were contained in the Income Tax Acts) and as respects Scotland a body entered in the Scottish Charity Register;
- “conditional sale agreement ” means an agreement for the sale of goods or land under which the purchase price or part of it is payable by instalments, and the property in the goods or land is to remain in the seller (notwithstanding that the buyer is to be in possession of the goods or land) until such conditions as to the payment of instalments or otherwise as may be specified in the agreement are fulfilled;
- “consumer credit agreement” has the meaning given by section 8, and includes a consumer credit agreement which is cancelled under section 69(1), or becomes subject to section 69(2), so far as the agreement remains in force;
- “consumer credit business” means any business being carried on by a person so far as it comprises or relates to—
- the provision of credit by him, or
- otherwise his being a creditor,
under regulated consumer credit agreements; - “consumer hire business” means any business being carried on by a person so far as it comprises or relates to—
- the bailment or (in Scotland) the hiring of goods by him, or
- otherwise his being an owner,
under regulated consumer hire agreements; - “consumer hire business” means any business so far as it comprises or relates to the bailment or (in Scotland) the hiring of goods under regulated consumer hire agreements;
- “controller”, in relation to a body corporate, means a person—
- in accordance with whose directions or instructions the directors of the body corporate or of another body corporate which is its controller (or any of them) are accustomed to act, or
- who, either alone or with any associate or associates, is entitled to exercise, or control the exercise of, one third or more of the voting power at any general meeting of the body corporate or of another body corporate which is its controller;
- “copy” shall be construed in accordance with section 180;
- F197. . .
- “court” means in relation to England and Wales the county court, in relation to Scotland the sheriff court and in relation to Northern Ireland the High Court or the county court;
- “credit” shall be construed in accordance with section 9;
- “credit-broker” means a person carrying on a business of credit brokerage;
- “credit brokerage” has the meaning given by section 145(2);
- “credit information services” is to be read in accordance with section 145(7B).
- “credit intermediary” has the meaning given by section 160A;
- “credit limit ” has the meaning given by section 10(2);
- “creditor” means (except in relation to green deal plans: see instead section 189B(2)) the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement, includes the prospective creditor;
- “credit reference agency” is to be read in accordance with section 145(8);
- “credit-sale agreement” means an agreement for the sale of goods, under which the purchase price or part of it is payable by instalments, but which is not a conditional sale agreement;
- “credit-token” has the meaning given by section 14(1);
- “credit-token agreement” means a regulated agreement for the provision of credit in connection with the use of a credit-token;
- “debt-adjusting ” has the meaning given by section 145(5);
- “debt administration” has the meaning given by section 145(7A);
- “debt-collecting” has the meaning given by section 145(7);
- “debt-counselling” has the meaning given by section 145(6);
- “debtor” means (except in relation to green deal plans: see instead section 189B(3)) the individual receiving credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement includes the prospective debtor;
- “debtor-creditor agreement” has the meaning given by section 13;
- “debtor-creditor-supplier agreement” has the meaning given by section 12;
- “default notice” has the meaning given by section 87(1);
- “default sum” has the meaning given by section 187A;
- “deposit” means F430...any sum payable by a debtor or hirer by way of deposit or down-payment, or credited or to be credited to him on account of any deposit or down-payment, whether the sum is to be or has been paid to the creditor or owner or any other person, or is to be or has been discharged by a payment of money or a transfer or delivery of goods or by any other means;
- “documents” includes information recorded in any form;
- F203. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
- “electric line” has the meaning given by the Electricity Act 1989 or, for Northern Ireland, the Electricity (Northern Ireland) Order 1992
- “electronic communication” means an electronic communication within the meaning of the Electronic Communications Act 2000 (c. 7)“
- “embodies” and related words shall be construed in accordance with subsection (4);
- “enforcement authority” has the meaning given by section 161(1);
- “enforcement order” means an order under section 65(1), 105(7)(a) or (b), 111(2) or 124(1) or (2);
- “executed agreement” means a document, signed by or on behalf of the parties, embodying the terms of a regulated agreement, or such of them as have been reduced to writing;
- F427...
- “FCA” means the Financial Conduct Authority;
- “finance” means to finance wholly or partly, and “financed ” and “refinanced ” shall be construed accordingly;
- “file” and “copy of the file” have the meanings given by section 158(5);
- “fixed-sum credit” has the meaning given by section 10(1)(b);
- “friendly society” means a society registered or treated as registered under the Friendly Societies Act 1974 or the Friendly Societies Act 1992 or a society within the meaning of the M14Friendly Societies Act (Northern Ireland) 1970;
- “future arrangements” shall be construed in accordance with section 187;
- F359...
- F483...
- “give” means deliver or send by an appropriate method to;
- “goods” M15 has the meaning given by section 61(1) of the Sale of Goods Act 1979;
- “green deal plan” has the meaning given by section 1 of the Energy Act 2011;
- F427...
- “High Court” means Her Majesty’s High Court of Justice, or the Court of Session in Scotland or the High Court of Justice in Northern Ireland;
- “hire-purchase agreement” means an agreement, other than a conditional sale agreement, under which—
- goods are bailed or (in Scotland) hired in return for periodical payments by the person to whom they are bailed or hired, and
- the property in the goods will pass to that person if the terms of the agreement are complied with and one or more of the following occurs—
- the exercise of an option to purchase by that person,
- the doing of any other specified act by any party to the agreement,
- the happening of any other specified event;
- “hirer ” means the individual to whom goods are bailed or (in Scotland) hired under a consumer hire agreement, or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer hire agreement includes the prospective hirer;
- “individual” includes—
- a partnership consisting of two or three persons not all of whom are bodies corporate; and
- an unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership;
- “installation” means—
- the installing of any electric line or any gas or water pipe,
- the fixing of goods to the premises where they are to be used, and the alteration of premises to enable goods to be used on them,
- where it is reasonably necessary that goods should be constructed or erected on the premises where they are to be used, any work carried out for the purpose of constructing or erecting them on those premises;
- F190. . .
- “judgment” includes an order or decree made by any court;
- “land”, includes an interest in land, and in relation to Scotland includes heritable subjects of whatever description;
- “land improvement company ” means an improvement company as defined by section 7 of the M16Improvement of Land Act 1899;
- “land mortgage” includes any security charged on land;
- F427...
- F427...
- F427...
- “linked transaction” has the meaning given by section 19(1);
- “local authority”, in relation to England F211. . ., means . . . F212, a county council, a London borough council, a district council, the Common Council of the City of London, or the Council of the Isles of Scilly in relation to Wales means a county council or a county borough council,, and in relation to Scotland, means a council constituted under section 2 of the Local Government etc. (Scotland) Act 1994, and, in relation to Northern Ireland, means a district council;
- . . .
- “modifying agreement” has the meaning given by section 82(2);
- “mortgage”, in relation to Scotland, includes any heritable security;
- “multiple agreement” has the meaning given by section 18(1);
- “negotiator” has the meaning given by section 56(1);
- “non-commercial agreement” means a consumer credit agreement or a consumer hire agreement not made by the creditor or owner in the course of a business carried on by him;
- “notice” means notice in writing;
- “notice of cancellation” has the meaning given by section 69(1);
- F360...
- “open-end” in relation to a consumer credit agreement, means of no fixed duration;
- “owner” means a person who bails or (in Scotland) hires out goods under a consumer hire agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer hire agreement, includes the prospective bailor or person from whom the goods are to be hired;
- “pawn” means any article subject to a pledge;
- “pawn-receipt” has the meaning given by section 114;
- “pawnee” and “pawnor” include any person to whom the rights and duties of the original pawnee or the original pawnor, as the case may be, have passed by assignment or operation of law;
- “payment” includes tender;
- F217. . .
- “pledge” means the pawnee’s rights over an article taken in pawn;
- “prescribed” means prescribed by regulations made by the Secretary of State;
- “pre-existing arrangements” shall be construed in accordance with section 187;
- “principal agreement” has the meaning given by section 19(1);
- “protected goods” has the meaning given by section 90(7);
- F427...
- “redemption period” has the meaning given by section 116(3);
- “Regulated Activities Order” means the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001;
- F427...
- “regulated agreement” means a consumer credit agreement which is a regulated agreement (within the meaning of section 8(3)) or a consumer hire agreement which is a regulated agreement (within the meaning of section 15(2));
- “regulated deferred payment credit agreement” means an agreement—
- which meets each of the conditions set out in article 60F(2)(a) to (d) (exempt agreements: exemptions relating to number of repayments to be made) of the Regulated Activities Order; and
- to which article 60F(7A) of that Order applies;
- “regulations” means regulations made by the Treasury;
- “relative”, except in section 184, means a person who is an associate by virtue of section 184(1);
- “representation” includes any condition or warranty, and any other statement or undertaking, whether oral or in writing;
- “residential renovation agreement” means a consumer credit agreement entered into on or after 21st March 2016 —
- which is unsecured; and
- the purpose of which is the renovation of residential property, as described in Article 2(2a) of Directive 2008/48/EC of the European Parliament and of the Council of 23rd April 2008 on credit agreements for consumers.
- “restricted-use credit agreement” and “restricted-use credit ” have the meanings given by section 11(1);
- “rules of court”, in relation to Northern Ireland means, in relation to the High Court, rules made under section 7 of the M17Northern Ireland Act 1962, and, in relation to any other court, rules made by the authority having for the time being power to make rules regulating the practice and procedure in that court;
- “running-account credit” shall be construed in accordance with section 10;
- “security”, in relation to an actual or prospective consumer credit agreement or consumer hire agreement, or any linked transaction, means a mortgage, charge, pledge, bond, debenture, indemnity, guarantee, bill, note or other right provided by the debtor or hirer, or at his request (express or implied), to secure the carrying out of the obligations of the debtor or hirer under the agreement;
- “security instrument” has the meaning given by section 105(2);
- “serve on” means deliver or send by an appropriate method to;
- “signed” shall be construed in accordance with subsection (3);
- “small agreement” has the meaning given by section 17(1), and “small ” in relation to an agreement within any category shall be construed accordingly;
- F427...
- F427...
- “supplier” has the meaning given by section 11(1)(b) or 12(c) or 13(c) or, in relation to an agreement falling within section 11(1)(a), means the creditor, and includes a person to whom the rights and duties of a supplier (as so defined) have passed by assignment or operation of law, or (in relation to a prospective agreement) the prospective supplier;
- “surety” means the person by whom any security is provided, or the person to whom his rights and duties in relation to the security have passed by assignment or operation of law;
- “technical grounds” shall be construed in accordance with subsection (5);
- “time order” has the meaning given by section 129(1);
- “total charge for credit ” has the meaning given by section 20;
- “total price” means the total sum payable by the debtor under a hire-purchase agreement or a conditional sale agreement, including any sum payable on the exercise of an option to purchase, but excluding any sum payable as a penalty or as compensation or damages for a breach of the agreement;
- F218. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
- “the UK GDPR” has the same meaning as in Parts 5 to 7 of the Data Protection Act 2018 (see section 3(10) and (14) of that Act);
- “unexecuted agreement” means a document embodying the terms of a prospective regulated agreement, or such of them as it is intended to reduce to writing;
- F427...
- “unrestricted-use credit agreement” and “unresticted-use credit” have the meanings given by section 11(2);
- “working day” means any day other than—
- Saturday or Sunday,
- Christmas Day or Good Friday,
- a bank holiday within the meaning given by section 1 of the M18Banking and Financial Dealings Act 1971.
F436189A Meaning of “consumer credit EEA firm ”¶
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .189B Green deal plans¶
- “domestic property” means a building or part of a building that is occupied as a dwelling or (if not occupied) is intended to be occupied as a dwelling;
- “energy bill” has the same meaning as in section 1 of the Energy Act 2011;
- “energy efficiency improvements” has the meaning given by section 2(4) of the Energy Act 2011;
- “green deal consumer credit agreement” means a green deal plan that is to be treated as a consumer credit agreement for the purposes of this Act by virtue of subsection (1);
- “improvement costs”, in relation to a green deal plan, are the costs of the energy efficiency improvements to the property which are to be paid by instalments under the plan after the time when credit is to be treated as being advanced by virtue of subsection (2) (but ignoring any interest or other charges for credit in determining those costs);
- “listed provision” means a provision of this Act listed in the first column of Schedule 2A;
- “occupier” and “owner” have the same meanings as in Chapter 1 of Part 1 of the Energy Act 2011;
- “property”, in relation to a green deal plan, means the property to which the energy efficiency improvements under the plan are or are intended to be made.
189C Section 189B: supplementary provision¶
189D Section 189B: temporary provision¶
| Section of this Act | References to “debtor” are to be read as references to the… |
|---|---|
| Sections 16, 16A, 16B, 16C | - improver |
| Section 20 | - improver - first bill payer |
| Section 40 | - improver (including an improver who is not an individual) - current bill payer - previous bill payer |
| Section 55A | - improver - first bill payer, except for the purposes of subsection (1)(b) |
| Section 55B | - improver - first bill payer |
| Section 82A | - improver - current bill payer - previous bill payer |
| Section 145 | - current bill payer - previous bill payer |
| Section 149 | - improver (including an improver who is not an individual) - current bill payer - previous bill payer |
| Section 160A | - improver |
190 Financial provisions.¶
191 Special provisions as to Northern Ireland.¶
192 Transitional and commencement provisions, amendments and repeals.¶
193 Short title and extent.¶
SCHEDULES
F226F226SCHEDULE A1 ¶
The Consumer Credit Appeals Tribunal
Part 1 Interpretation¶
1 ¶
In this Schedule—- “the Deputy President” means the Deputy President of the Consumer Credit Appeals Tribunal;
- “lay panel” means the panel established under paragraph 3(3);
- “panel of chairmen” means the panel established under paragraph 3(1);
- “party” means, in relation to an appeal, the appellant or the OFT;
- “the President” means the President of the Consumer Credit Appeals Tribunal;
- “rules” means rules under section 40A(3) of this Act;
- “specified” means specified by rules.
Part 2 The Tribunal¶
The President and the Deputy President¶
2 ¶
Panels¶
3 ¶
Terms of office etc.¶
4 ¶
Remuneration and allowances¶
5 ¶
The Lord Chancellor may pay to a person in respect of his service—Staff and costs¶
6 ¶
Part 3 Constitution of the Tribunal¶
7 ¶
Part 4 Tribunal powers and procedure¶
Sittings¶
8 ¶
The Tribunal shall sit at such times and in such places as the Lord Chancellor may direct.Evidence¶
9 ¶
Rules on procedure¶
10 ¶
Rules may include, amongst other things, provision—Council on Tribunals¶
11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .¶
F299. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Disposal of appeals¶
12 ¶
Decisions of the Tribunal¶
13 ¶
Costs¶
14 ¶
15 ¶
Where—16 ¶
An order of the Tribunal under paragraph 14 or 15 may be enforced—SCHEDULE 1 ¶
Prosecution and Punishment of Offences
Section 167.
| 1 | 2 | 3 | 4 |
|---|---|---|---|
| Section | Offence | Mode of prosecution | Imprisonment or fine |
| F439. . . | F439... . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| 49(1) | Canvassing debtor-creditor agreements off trade premises. | (a) Summarily. | £400. |
| (b) On indictment. | 1 year or a fine or both. | ||
| 49(2) | Soliciting debtor-creditor agreements during visits made in response to previous oral requests. | (a) Summarily. | £400. |
| (b) On indictment. | 1 year or a fine or both. | ||
| 50(1) | Sending circulars to minors. | (a) Summarily. | £400. |
| (b) On indictment. | 1 year or a fine or both. | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| 80(2) | Failure to tell creditor or owner whereabouts of goods. | Summarily. | level 3 on the standard scale. |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . | F227. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . |
| 114(2) | Taking pledges from minors. | (a) Summarily. | £400. |
| (b) On indictment. | 1 year or a fine or both. | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| 119(1) | Unreasonable refusal to allow pawn to be redeemed. | Summarily. | level 4 on the standard scale. |
| 154 | Canvassing ancillary credit services off trade premises. | (a) Summarily. | £200. |
| (b) On indictment. | 1 year or a fine or both. | ||
| 157(3) | Refusal to give name etc. of credit reference agency. | Summarily. | level 4 on the standard scale. |
| 158(4) | Failure of credit reference agency to disclose filed information. | Summarily. | level 4 on the standard scale. |
| 159(6) | Failure of credit reference agency to correct information. | Summarily. | level 4 on the standard scale. |
| 160(6) | Failure of credit reference agency to comply with section 160(3) or (4). | Summarily. | level 4 on the standard scale. |
| F439. . . | F439. . . | F439. . . | F439. . . |
| F452. . . | IF452... | F452. . . | F452. . . |
| F452. . . | F452. . . | ||
| F452. . . | F452. . . | F452. . . | F452.... |
| F452. . . | F452. . . | F452. . . | F452. . . |
| F452. . . | F452. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . | ||
| F439. . . | F439. . . | F439. . . | F439. . . |
| F439. . . | F439. . . |
SCHEDULE 2 ¶
Examples of Use of New Terminology
Section 188(1).
Part I Lists of Terms¶
| Term | Defined in section | Illustrated by example(s) |
|---|---|---|
| Advertisement | 189(1) | 2 |
| F440. . . | F440. . . | F440. . . |
| Antecedent negotiations | 56 | 1, 2, 3, 4 |
| Cancellable agreement | 67 | 4 |
| Consumer credit agreement | 8 | 5, 6, 7, 15, 19, 21 |
| Consumer hire agreement | 15 | 20, 24 |
| Credit | 9 | 16, 19, 21 |
| Credit-broker | 189(1) | 2 |
| Credit limit | 10(2) | 6, 7, 19, 22, 23 |
| Creditor | 189(1) | 1, 2, 3, 4 |
| Credit-sale agreement | 189(1) | 5 |
| Credit-token | 14 | 3, 14, 16 |
| Credit-token agreement | 14 | 3, 14, 16, 22 |
| Debtor-creditor agreement | 13 | 8, 16, 17, 18 |
| Debtor-creditor-supplier agreement | 12 | 8, 16 |
| Fixed-sum credit | 10 | 9, 10, 17, 23 |
| Hire-purchase agreement | 189(1) | 10 |
| Individual | 189(1) | 19, 24 |
| Linked transaction | 19 | 11 |
| Modifying agreement | 82(2) | 24 |
| Multiple agreement | 18 | 16, 18 |
| Negotiator | 56(1) | 1, 2, 3, 4 |
| F229. . . | F229. . . | F229. . . |
| Pre-existing arrangements | 187 | 8, 21 |
| Restricted-use credit | 11 | 10, 12, 13, 14, 16 |
| Running-account credit | 10 | 15, 16, 18, 23 |
| Small agreement | 17 | 16, 17, 22 |
| Supplier | 189(1) | 3, 14 |
| Total charge for credit | 20 | 5, 10 |
| Total price | 189(1) | 10 |
| Unrestricted-use credit | 11 | 8, 12, 16, 17, 18. |
Part II ¶
EXAMPLES
Example 1
Facts.Correspondence passes between an employee of a moneylending company (writing on behalf of the company) and an individual about the terms on which the company would grant him a loan under a regulated agreement.
Analysis.The correspondence constitutes antecedent negotiations falling within section 56(1)(a), the moneylending company being both creditor and negotiator.
Example 2
Facts.Representations are made about goods in a poster displayed by a shopkeeper near the goods, the goods being selected by a customer who has read the poster and then sold by the shopkeeper to a finance company introduced by him (with whom he has a business relationship). The goods are disposed of by the finance company to the customer under a regulated hire-purchase agreement.
Analysis.The representations in the poster constitute antecedent negotiations falling within section 56(1)(b), the shopkeeper being the credit-broker and negotiator and the finance company being the creditor. The poster is an advertisement and the shopkeeper is the advertiser.
Example 3
Facts.Discussions take place between a shopkeeper and a customer about goods the customer wishes to buy using a credit-card issued by the D Bank under a regulated agreement.
Analysis.The discussions constitute antecedent negotiations falling within section 56(1)(c), the shopkeeper being the supplier and negotiator and the D Bank the creditor. The credit-card is a credit-token as defined in section 14(1), and the regulated agreement under which it was issued is a credit-token agreement as defined in section 14(2).
Example 4
Facts.Discussions take place and correspondence passes between a secondhand car dealer and a customer about a car, which is then sold by the dealer to the customer under a regulated conditional sale agreement. Subsequently, on a revocation of that agreement by consent, the car is resold by the dealer to a finance company introduced by him (with whom he has a business relationship), who in turn dispose of it to the same customer under a regulated hire-purchase agreement.
Analysis.The discussions and correspondence constitute antecedent negotiations in relation both to the conditional sale agreement and the hire-purchase agreement. They fall under section 56(1)(a) in relation to the conditional sale agreement, the dealer being the creditor and the negotiator. In relation to the hire-purchase agreement they fall within section 56(1)(b), the dealer continuing to be treated as the negotiator but the finance company now being the creditor. Both agreements are cancellable if the discussions took place when the individual conducting the negotiations (whether the “negotiator ” or his employee or agent) was in the presence of the debtor, unless the unexecuted agreement was signed by the debtor at trade premises (as defined in section 67(b)). If the discussions all took place by telephone however, or the unexecuted agreement was signed by the debtor on trade premises (as so defined) the agreements are not cancellable.
Example 5
Facts.E agrees to sell to F (an individual) an item of furniture in return for 24 monthly instalments of £10 payable in arrear. The property in the goods passes to F immediately.
Analysis.This is a credit-sale agreement (see definition of “credit-sale agreement ” in section 189(1)). The credit provided amounts to £240 less the amount which constitutes the total charge for credit (within the meaning given by section 20). (This amount is required to be deducted by section 9(4)). Accordingly the agreement falls within section 8(2) and is a consumer credit agreement.
Example 6
Facts.The G Bank grants H (an individual) an unlimited overdraft, with an increased rate of interest on so much of any debit balance as exceeds £2,000.
Analysis.Although the overdraft purports to be unlimited, the stipulation for increased interest above £2,000 brings the agreement within section 10(3)(b)(ii) and it is a consumer credit agreement.
Example 7
Facts.J is an individual who owns a small shop which usually carries a stock worth about £1,000. K makes a stocking agreement under which he undertakes to provide on short-term credit the stock needed from time to time by J without any specified limit.
Analysis.Although the agreement appears to provide unlimited credit, it is probable, having regard to the stock usually carried by J, that his indebtedness to K will not at any time rise above £5,000. Accordingly the agreement falls within section 10(3)(b)(iii) and is a consumer credit agreement.
Example 8
Facts.U, a moneylender, lends £500 to V (an individual) knowing he intends to use it to buy office equipment from W. W introduced V to U, it being his practice to introduce customers needing finance to him. Sometimes U gives W a commission for this and sometimes not. U pays the £500 direct to V.
Analysis.Although this appears to fall under section 11(1)(b), it is excluded by section 11(3) and is therefore (by section 11(2)) an unrestricted-use credit agreement. Whether it is a debtor-creditor agreement (by section 13(c)) or a debtor-creditor-supplier agreement (by section 12(c)) depends on whether the previous dealings between U and W amount to “pre-existing arrangements ”, that is whether the agreement can be taken to have been entered into “in accordance with, or in furtherance of ” arrangements previously made between U and W, as laid down in section 187(1).
Example 9
Facts.A agrees to lend B (an individual) £4,500 in nine monthly instalments of £500.
Analysis.This is a cash loan and is a form of credit (see section 9 and definition of “cash ” in section 189(1)). Accordingly it falls within section 10(1)(b) and is fixed-sum credit amounting to £4,500.
Example 10
Facts.C (in England) agrees to bail goods to D (an individual) in return for periodical payments. The agreement provides for the property in the goods to pass to D on payment of a total of £7,500 and the exercise by D of an option to purchase. The sum of £7,500 includes a down-payment of £1,000. It also includes an amount which, according to regulations made under section 20(1), constitutes a total charge for credit of £1,500.
Analysis.This is a hire-purchase agreement with a deposit of £1,000 and a total price of £7,500 (see definitions of “hire-purchase agreement ”, “deposit ” and “total price ” in section 189(1)). By section 9(3), it is taken to provide credit amounting to £7,500—(£1,500 + £1,000), which equals £5,000. Under section 8(2), the agreement is therefore a consumer credit agreement, and under sections 9(3) and 11(1) it is a restricted-use credit agreement for fixed-sum credit. A similar result would follow if the agreement by C had been a hiring agreement in Scotland.
Example 11
Facts.X (an individual) borrows £500 from Y (Finance). As a condition of the granting of the loan X is required—
(a) to execute a second mortgage on his house in favour of Y (Finance), and
(b) to take out a policy of insurance on his life with Y (Insurances).
In accordance with the loan agreement, the policy is charged to Y (Finance) as collateral security for the loan. The two companies are associates within the meaning of section 184(3).
Analysis.The second mortgage is a transaction for the provision of security and accordingly does not fall within section 19(1), but the taking out of the insurance policy is a linked transaction falling within section 19(1)(a). The charging of the policy is a separate transaction (made between different parties) for the provision of security and again is excluded from section 19(1). The only linked transaction is therefore the taking out of the insurance policy. If X had not been required by the loan agreement to take out the policy, but it had been done at the suggestion of Y (Finance) to induce them to enter into the loan agreement, it would have been a linked transaction under section 19(1)(c)(i) by virtue of section 19(2)(a).
Example 12
Facts.The N Bank agrees to lend O (an individual) £2,000 to buy a car from P. To make sure the loan is used as intended, the N Bank stipulates that the money must be paid by it direct to P.
Analysis.The agreement is a consumer credit agreement by virtue of section 8(2). Since it falls within section 11(1)(b), it is a restricted-use credit agreement, P being the supplier. If the N Bank had not stipulated for direct payment to the supplier, section 11(3) would have operated and made the agreement into one for unrestricted-use credit.
Example 13
Facts.Q, a debt-adjuster, agrees to pay off debts owed by R (an individual) to various moneylenders. For this purpose the agreement provides for the making of a loan by Q to R in return for R’s agreeing to repay the loan by instalments with interest. The loan money is not paid over to R but retained by Q and used to pay off the moneylenders.
Analysis.This is an agreement to refinance existing indebtedness of the debtor’s, and if the loan by Q does not exceed £5,000 is a restricted-use credit agreement falling within section 11(1)(c).
Example 14
Facts.On payment of £1, S issues to T (an individual) a trading check under which T can spend up to £20 at any shop which has agreed, or in future agrees, to accept S’s trading checks.
AnalysisThe trading check is a credit-token falling within section 14(1)(b). The credit-token agreement is a restricted-use credit agreement within section 11(1)(b), any shop in which the credit-token is used being the “supplier ”. The fact that further shops may be added after the issue of the credit-token is irrelevant in view of section 11(4).
Example 15
Facts.A retailer L agrees with M (an individual) to open an account in M’s name and, in return for M’s promise to pay a specified minimum sum into the account each month and to pay a monthly charge for credit, agrees to allow to be debited to the account, in respect of purchases made by M from L, such sums as will not increase the debit balance at any time beyond the credit limit, defined in the agreement as a given multiple of the specified minimum sum.
Analysis.This agreement provides credit falling within the definition of running-account credit in section 10(1)(a). Provided the credit limit is not over £5,000, the agreement falls within section 8(2) and is a consumer credit agreement for running-account credit.
Example 16
Facts.Under an unsecured agreement, A (Credit), an associate of the A Bank, issues to B (an individual) a credit-card for use in obtaining cash on credit from A (Credit), to be paid by branches of the A Bank (acting as agent of A (Credit)), or goods or cash from suppliers or banks who have agreed to honour credit-cards issued by A (Credit). The credit limit is £30.
Analysis.This is a credit-token agreement falling within section 14(1)(a) and (b). It is a regulated consumer credit agreement for running-account credit. Since the credit limit does not exceed £30, the agreement is a small agreement. So far as the agreement relates to goods it is a debtor-creditor-supplier agreement within section 12(b), since it provides restricted-use credit under section 11(1)(b). So far as it relates to cash it is a debtor-creditor agreement within section 13(c) and the credit it provides is unrestricted-use credit. This is therefore a multiple agreement. In that the whole agreement falls within several of the categories of agreement mentioned in this Act, it is, by section 18(3), to be treated as an agreement in each of those categories. So far as it is a debtor-creditor-supplier agreement providing restricted-use credit it is, by section 18(2), to be treated as a separate agreement; and similarly so far as it is a debtor-creditor agreement providing unrestricted-use credit. (See also Example 22.)
Example 17
Facts.The manager of the C Bank agrees orally with D (an individual) to open a current account in D’s name. Nothing is said about overdraft facilities. After maintaining the account in credit for some weeks, D draws a cheque in favour of E for an amount exceeding D’s credit balance by £20. E presents the cheque and the Bank pay it.
Analysis.In drawing the cheque D, by implication, requests the Bank to grant him an overdraft of £20 on its usual terms as to interest and other charges. In deciding to honour the cheque, the Bank by implication accept the offer. This constitutes a regulated small consumer credit agreement for unrestricted-use, fixed-sum credit. It is a debtor-creditor agreement, and falls within section 74(1)(b) F230. . . . (Compare Example 18.)
Example 18
Facts.F (an individual) has had a current account with the G Bank for many years. Although usually in credit, the account has been allowed by the Bank to become overdrawn from time to time. The maximum such overdraft has been is about £1,000. No explicit agreement has ever been made about overdraft facilities. Now, with a credit balance of £500, F draws a cheque for £1,300.
Analysis.It might well be held that the agreement with F (express or implied) under which the Bank operate his account includes an implied term giving him the right to overdraft facilities up to say £1,000. If so, the agreement is a regulated consumer credit agreement for unrestricted-use, running-account credit. It is a debtor-creditor agreement, and falls within section 74(1)(b)F231. . . . It is also a multiple agreement, part of which (i.e. the part not dealing with the overdraft), as referred to in section 18(1)(a), falls within a category of agreement not mentioned in this Act. (Compare Example 17.)
Example 19
Facts.H (a finance house) agrees with J (a partnership of individuals) to open an unsecured loan account in J’s name on which the debit balance is not to exceed £7,000 (having regard to payments into the account made from time to time by J). Interest is to be payable in advance on this sum, with provision for yearly adjustments. H is entitled to debit the account with interest, a “setting-up ” charge, and other charges. Before J has an opportunity to draw on the account it is initially debited with £2,250 for advance interest and other charges.
Analysis.This is a personal running-account credit agreement (see sections 8(1) and 10(1)(a), and definition of “individual ” in section 189(1)). By section 10(2) the credit limit is £7,000. By section 9(4) however the initial debit of £2,250, and any other charges later debited to the account by H, are not to be treated as credit even though time is allowed for their payment. Effect is given to this by section 10(3). Although the credit limit of £7,000 exceeds the amount (£5,000) specified in section 8(2) as the maximum for a consumer credit agreement, so that the agreement is not within section 10(3)(a), it is caught by section 10(3)(b)(i). At the beginning J can effectively draw (as credit) no more than £4,750, so the agreement is a consumer credit agreement.
Example 20
Facts.K (in England) agrees with L (an individual) to bail goods to L for a period of three years certain at £2,000 a year, payable quarterly. The agreement contains no provision for the passing of the property in the goods to L.
Analysis.This is not a hire-purchase agreement (see paragraph (b) of the definition of that term in section 189(1)), and is capable of subsisting for more than three months. Paragraphs (a) and (b) of section 15(1) are therefore satisfied, but paragraph (c) is not. The payments by L must exceed £5,000 if he conforms to the agreement. It is true that under section 101 L has a right to terminate the agreement on giving K three months’ notice expiring not earlier than eighteen months after the making of the agreement, but that section applies only where the agreement is a regulated consumer hire agreement apart from the section (see subsection (1)). So the agreement is not a consumer hire agreement, though it would be if the hire charge were say £1,500 a year, or there were a “break ” clause in it operable by either party before the hire charges exceeded £5,000. A similar result would follow if the agreement by K had been a hiring agreement in Scotland.
Example 21
Facts.The P Bank decides to issue cheque cards to its customers under a scheme whereby the bank undertakes to honour cheques of up to £30 in every case where the payee has taken the cheque in reliance on the cheque card, whether the customer has funds in his account or not. The P Bank writes to the major retailers advising them of this scheme and also publicises it by advertising. The Bank issues a cheque card to Q (an individual), who uses it to pay by cheque for goods costing £20 bought by Q from R, a major retailer. At the time, Q has £500 in his account at the P Bank.
Analysis.The agreement under which the cheque card is issued to Q is a consumer credit agreement even though at all relevant times Q has more than £30 in his account. This is because Q is free to draw out his whole balance and then use the cheque card, in which case the Bank has bound itself to honour the cheque. In other words the cheque card agreement provides Q with credit, whether he avails himself of it or not. Since the amount of the credit is not subject to any express limit, the cheque card can be used any number of times. It may be presumed however that section 10(3)(b)(iii) will apply. The agreement is an unrestricted-use debtor-creditor agreement (by section 13(c)). Although the P Bank wrote to R informing R of the P Bank’s willingness to honour any cheque taken by R in reliance on a cheque card, this does not constitute pre-existing arrangements as mentioned in section 13(c) because section 187(3) operates to prevent it. The agreement is not a credit-token agreement within section 14(1)(b) because payment by the P Bank to R, would be a payment of the cheque and not a payment for the goods.
Example 22
Facts.The facts are as in Example 16. On one occasion B uses the credit-card in a way which increases his debit balance with A (Credit) to £40. A (Credit) writes to B agreeing to allow the excess on that occasion only, but stating that it must be paid off within one month.
Analysis.In exceeding his credit limit B, by implication, requests A (Credit) to allow him a temporary excess (compare Example 17). A (Credit) is thus faced by B’s action with the choice of treating it as a breach of contract or granting his implied request. He does the latter. If he had done the former, B would be treated as taking credit to which he was not entitled (see section 14(3)) and, subject to the terms of his contract with A (Credit), would be liable to damages for breach of contract. As it is, the agreement to allow the excess varies the original credit-token agreement by adding a new term. Under section 10(2), the new term is to be disregarded in arriving at the credit limit, so that the credit-token agreement at no time ceases to be a small agreement. By section 82(2) the later agreement is deemed to revoke the original agreement and contain provisions reproducing the combined effect of the two agreements. By section 82(4), this later agreement is exempted from Part V (except section 56).
Example 23
Facts.Under an oral agreement made on 10th January, X (an individual) has an overdraft on his current account at the Y bank with a credit limit of £100. On 15th February, when his overdraft stands at £90, X draws a cheque for £25. It is the first time that X has exceeded his credit limit, and on 16th February the bank honours the cheque.
Analysis.The agreement of 10th January is a consumer credit agreement for running-account credit. The agreement of 15th-16th February varies the earlier agreement by adding a term allowing the credit limit to be exceeded merely temporarily. By section 82(2) the later agreement is deemed to revoke the earlier agreement and reproduce the combined effect of the two agreements. By section 82(4), Part V of this Act (except section 56) does not apply to the later agreement. By section 18(5), a term allowing a merely temporary excess over the credit limit is not to be treated as a separate agreement, or as providing fixed-sum credit. The whole of the £115 owed to the bank by X on 16th February is therefore running-account credit.
Example 24
Facts.On 1st March 1975 Z (in England) enters into an agreement with A (an unincorporated body of persons) to bail to A equipment consisting of two components (component P and component Q). The agreement is not a hire-purchase agreement and is for a fixed term of 3 years, so paragraphs (a) and (b) of section 15(1) are both satisfied. The rental is payable monthly at a rate of £2,400 a year, but the agreement provides that this is to be reduced to £1,200 a year for the remainder of the agreement if at any time during its currency A returns component Q to the owner Z. On 5th May 1976 A is incorporated as A Ltd., taking over A’s assets and liabilities. On 1st March 1977, A Ltd. returns component Q. On 1st January 1978, Z and A Ltd. agree to extend the earlier agreement by one year, increasing the rental for the final year by £250 to £1,450.
Analysis.When entered into on 1st March 1975, the agreement is a consumer hire agreement. A falls within the definition of “individual ” in section 189(1) and if A returns component Q before 1st May 1976 the total rental will not exceed £5,000 (see section 15(1)(c)). When this date is passed without component Q having been returned it is obvious that the total rental must now exceed £5,000. Does this mean that the agreement then ceases to be a consumer hire agreement? The answer is no, because there has been no change in the terms of the agreement, and without such a change the agreement cannot move from one category to the other. Similarly, the fact that A’s rights and duties under the agreement pass to a body corporate on 5th May 1976 does not cause the agreement to cease to be a consumer hire agreement (see the definition of “hirer ” in section 189(1)).
The effect of the modifying agreement of 1st January 1978 is governed by section 82(2), which requires it to be treated as containing provisions reproducing the combined effect of the two actual agreements, that is to say as providing that—
(a) obligations outstanding on 1st January 1978 are to be treated as outstanding under the modifying agreement;
(b) the modifying agreement applies at the old rate of hire for the months of January and February 1978, and
(c) for the year beginning 1st March 1978 A Ltd. will be the bailee of component P at a rental of £1,450.
The total rental under the modifying agreement is £1,850. Accordingly the modifying agreement is a regulated agreement. Even if the total rental under the modifying agreement exceeded £5,000 it would still be regulated because of the provisions of section 82(3).
SCHEDULE 2A ¶
MEANING OF “DEBTOR” IN RELATION TO GREEN DEAL AGREEMENTS
| Section of this Act | References to “debtor” are to be read as references to the… |
|---|---|
| Section 19 | - improver |
| Section 55 | - improver |
| Section 55C | - improver - first bill payer |
| Section 56 | - improver - first bill payer |
| Section 57 | - improver |
| Section 59 | - improver |
| Sections 60 and 61 | - improver (including an improver who is not an individual) |
| Section 61A | - improver |
| Sections 62, 63, 64 | - improver |
| Section 65 | - improver - current bill payer - previous bill payer |
| Section 66A | - improver |
| Sections 67, 68, 69, 70, 71, 72, 73 | - improver |
| Section 75A | - improver |
| Sections 76 and 77 | - current bill payer - previous bill payer |
| Section 77A | - current bill payer |
| Section 77B | - improver - current bill payer |
| Section 78A | - improver - current bill payer |
| Section 80 | - improver |
| Section 82 | - improver - current bill payer - previous bill payer |
| Section 86 | - current bill payer - previous bill payer |
| Section 86E | - current bill payer - previous bill payer |
| Section 86F | - current bill payer - previous bill payer |
| Section 87 | - current bill payer - previous bill payer |
| Section 89 | - current bill payer - previous bill payer |
| Section 93 | - current bill payer - previous bill payer |
| Sections 94, 95, 95A, 95B, 96, 97, 97A | - improver - current bill payer |
| Section 98 | - current bill payer - previous bill payer |
| Sections 102, 103, 105, 107, 110, 113 | - improver |
| Sections 123, 124 | - current bill payer - previous bill payer |
| Section 127 | - improver - current bill payer - previous bill payer |
| Sections 128, 129, 130, 130A | - current bill payer - previous bill payer |
| Sections 140A, 140B, 140C | - improver - current bill payer - previous bill payer |
| Section 141(1), (2), (3A), (3B) | - improver - current bill payer - previous bill payer |
| Section 157 | - improver - first bill payer |
| Section 173 | - improver - current bill payer - previous bill payer |
| Section 179 | - improver - first bill payer - current bill payer - previous bill payer |
| Section 185(1), (2), (2A), (2B), (2C), (2D), (4) | - current bill payer |
| Section 187A | - current bill payer - previous bill payer |
| Section 189(1), so far as relating to definition of “security” | - improver |
SCHEDULE 3 ¶
Transitional and Commencement Provisions
Section 192(1).
Note.Except as otherwise mentioned in this Schedule, the provisions of this Act come into operation on its passing, that is on 31st July 1974.
Part II of Act Credit Agreements, Hire Agreements and Linked Transactions¶
Regulated agreements¶
Linked transactions¶
Total charge for credit¶
Part III of Act Licensing of Credit and Hire Businesses¶
F442...¶
F442...¶
F442...¶
Part IV of Act Seeking Business¶
Advertisements¶
Canvassing¶
Circulars to minors¶
F443...¶
Part V of Act Entry into Credit or Hire Agreements¶
Antecedent negotiations¶
General¶
Part VI of Act Matters Arising During Currency of Credit or Hire Agreements¶
Liability of creditor for breaches by supplier¶
Duty to give notice¶
Duty to give information¶
Appropriation of payments¶
Variation of agreements¶
Misuse of credit facilities¶
Duty on issue of new credit-tokens¶
Death of debtor or hirer¶
Part VII of Act Default and Termination¶
Default notices¶
Retaking of goods and land¶
Interest on default¶
Early payment by debtor¶
Termination of agreements¶
Old agreements¶
Part VIII of Act Security¶
General¶
Pledges¶
Negotiable instruments¶
Land mortgages¶
Part IX of Act Judicial Control¶
Part X of Act Ancillary Credit Businesses¶
F444...¶
F312...¶
F445...¶
Advertisements¶
Credit Reference Agencies¶
Part XII of Act Supplemental¶
Interpretation¶
SCHEDULE 4. ¶
MINOR AND CONSEQUENTIAL AMENDMENTS
Section 192.
PART I UNITED KINGDOM¶
M23 Bills of Sale Act (1878) Amendment Act 1882¶
M24 Factors Act 1889¶
M25Law of Distress Amendment Act 1908¶
M26Bankruptcy Act 1914¶
M27Compensation (Defence) Act 1939¶
, and
M28Liability for War Damage (Miscellaneous Provisions) Act 1939¶
M29Rag Flock and Other Filing Materials Act 1951¶
M30Reserve and Auxiliary Forces (Protection of Civil Interest) Act 1951¶
.
.
.
M31Clean Air Act 1956¶
M32Restrictive Trade Practices Act 1956¶
M33Housing Act 1957¶
M34County Courts Act 1959¶
Hire Purchase Act 1964¶
.
M35Emergency Laws (Re-enactment and Repeals) Act 1964¶
M36Trading Stamps Act 1964¶
, and
,
.
M37Housing (Scotland) Act 1966¶
M38Trade Descriptions Act 1968¶
M39Administration of Justice Act 1970¶
M40Vehicles (Excise) Act 1971¶
M41Counter-Inflation Act 1973¶
M42Supply of Goods (Implied Terms) Act 1973¶
M43Fair Trading Act 1973¶
Part II NORTHERN IRELAND¶
M44Irish Bankrupt and Insolvent Act 1857¶
M45Bills of Sale (Ireland) Act (1879) Amendment Act 1883¶
M46Liability for War Damage (Miscellaneous Provisions) Act (Northern Ireland) 1939¶
M47Trading Stamps Act (Northern Ireland) 1965¶
.
, and
.
M48 Hire-Purchase Act (Northern Ireland) 1966¶
.
M49Vehicles (Excise) Act (Northern Ireland) 1972¶
M50Miscellaneous Transferred Excise Duties Act (Northern Ireland) 1972¶
X31Schedule 5 ¶
Repeals
Section 192 (3)(b).
Footnotes
- C1Act excluded by S.I. 1983/1553, reg. 2(7A) (as inserted by S.I. 1984/1600, reg. 2(e))
- C2Act excluded by S.I. 1989/869, arts. 2(1), 3(1), 4(1), 5, 6
- I1Act partly in force at Royal Assent see s. 192(1)(2)(3); Act wholly in force on 19.5.1985
- C3Act modified (12.10.1992) by Timeshare Act 1992 (c. 35), s. 12(5); S.I. 1992/1941, art. 2
- C4Act excluded (21.7.2008 with retrospective effect as stated in s. 8(2) of the amending Act) by Sale of Student Loans Act 2008 (c. 10), ss. 8(1), 14 (with s. 9(5))
- C5Act excluded (1.2.2011) by S.I. 1989/869, art. 5A (as inserted by S.I. 2010/1010, regs. 67A, 99(1) (with regs. 100, 101) (as inserted by The Consumer Credit (Amendment) Regulations 2010 (S.I. 2010/1969), reg. 21))
- F1Word in s. 8(1) substituted (6.4.2008 for certain purposes otherwise 31.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {2(1)(a)}, 71(2); S.I. 2008/831, art. 3(1)(2), Schs. 2, 3 (with art. 4(1)) (as amended by S.I. 2008/2444, art. 2)
- F2S. 8(2) ceases to have effect and repealed (6.4.2008 for certain purposes otherwise 31.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {2(1)(b)}, 70, 71(2), {Sch. 4}; S.I. 2008/831, art. 3(1)(2), Schs. 2, 3 (with art. 4(1)) (as amended by S.I. 2008/2444, art. 2)
- F3Word in s. 10(1) substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {5(2)(a)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F4Words in s. 10(3) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 44(a), 99(1) (with regs. 100, 101)
- F5Words in s. 10(3) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 44(b), 99(1) (with regs. 100, 101)
- F6S. 15(1)(c) and preceding word ceases to have effect (6.4.2008) and repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {2(2)}, 70, 71(2), {Sch. 4}; S.I. 2007/3300, art. 3(2), Sch. 2
- F7"£50" substituted by S.I. 1983/1878, art. 3, Sch. Pt. I
- F8S. 17(2) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 45, 99(1) (with regs. 100, 101)
- F9S. 46 repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) regs. 30(1)(3), Sch. 2 para. 18, {Sch. 4 Pt. 1} (with savings in reg. 28(2)(3))
- C6S. 50 excluded by Education (Student Loans) Act 1990 (c. 6, SIF 41:1, 2), s. 1(5), Sch. 2 para. 3(8)
- F10S. 55(2) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 16, 99(1) (with regs. 100, 101)
- F11S. 55C inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 6, 99(1) (with regs. 100, 101)
- F12Words in s. 60(3)(4) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(23); S.I. 2003/766, art. 2, Sch. (with art. 3)
- F13S. 60(5)(6) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 7, 99(1) (with regs. 100, 101)
- F14Words in s. 61(2)(b) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(2)
- F15S. 62 heading: words inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 10(a), 99(1) (with regs. 100, 101)
- F16Words in s. 62(1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 10(b), 99(1) (with regs. 100, 101)
- F17Words in s. 62(3) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 10(c), 99(1) (with regs. 100, 101)
- F18S. 62(4) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 10(d), 99(1) (with regs. 100, 101)
- F19S. 63 heading: words inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 11(a), 99(1) (with regs. 100, 101)
- F20Words in s. 63(1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 11(b), 99(1) (with regs. 100, 101)
- F21Words in s. 63(3) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(3)
- F22Words in s. 63(5) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 11(c), 99(1) (with regs. 100, 101)
- F23S. 63(6) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 11(d), 99(1) (with regs. 100, 101)
- F24Words in s. 64 substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(4)
- C7S. 66 applied (1.11.2009) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2)(c), 52(b) (with reg. 3)
- F25S. 61A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 8, 99(1) (with regs. 100, 101)
- F26S. 61B inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 9, 99(1) (with regs. 100, 101) (as amended by The Consumer Credit (Amendment) Regulations 2010 (S.I. 2010/1969), reg. 7)
- F27S. 67 renumbered as s. 67(1) and words inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 14(a), 99(1) (with regs. 100, 101)
- F28S. 67(2) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 14(b), 99(1) (with regs. 100, 101)
- F29S. 69(7) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(5)
- F30Amount "£5" substituted (1.5.1998) in s. 70(6) by S.I. 1998/997, art. 3, Sch.
- F31S. 74(1)-(2) substituted for s. 74(1)(2) (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 17(2), 99(1) (with regs. 100, 101)
- F32Words in s. 74(3) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 17(3), 99(1) (with regs. 100, 101)
- F33S. 74(3A) omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 17(4), 99(1) (with regs. 100, 101)
- F34Words in s. 74(4) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 17(5), 99(1) (with regs. 100, 101)
- F35S. 66A and preceding cross-heading inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010, {regs. 13}, 99(1) (with regs. 100, 101) (as amended by The Consumer Credit (Amendment) Regulations 2010 (S.I. 2010/1969), reg. 8 (with reg. 46))
- F36Word in s. 75(3)(a) omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 24(a), 99(1) (with regs. 100, 101)
- F37"£100 " substituted by S.I. 1983/1878, art. 3, Sch. Pt. I
- F38"£30,000" substituted by S.I. 1983/1878, arts. 3, 4, Sch. Pt. II
- F39Word in s. 75(3)(b) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 24(b), 99(1) (with regs. 100, 101)
- F40S. 75(3)(c) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 24(c), 99(1) (with regs. 100, 101)
- C8S. 76 applied (1.11.2009) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2)(c), 52(d) (with reg. 3)
- F41"£1" substituted (1.5.1998) in s. 77(1) by S.I. 1998/997, art. 3, Sch.
- F42S. 77(4)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) regs. 30(1)(3), Sch. 2 para. 19, {Sch. 4 Pt. 1} (with savings in reg. 28(2)(3))
- C9S. 77A modified (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826) {art. 5}
- F43S. 77A(1)-(1E) substituted for s. 77A(1) (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 4(a) (with art. 5)
- F44Words in s. 77A(5) substituted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 4(b)(i) (with art. 5)
- F45S. 77A(5)(b) and preceding word ceased to have effect (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 4(b)(ii) (with art. 5)
- F46Words in s. 77A(7) omitted (31.10.2008) by virtue of The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 4(c) (with art. 5)
- F47S. 77A(9) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 23, 99(1) (with regs. 100, 101)
- F48"£1" substituted (1.5.1998) in s. 78(1) by S.I. 1998/997, art. 3, Sch.
- F49S. 78(4A) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {7(1)}, 71(2) (with Sch. 3 para. 3); S.I. 2006/1508, art. 3(1), Sch. 1
- F50S. 78(6)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 20, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F51Words in s. 78(7) substituted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {7(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F52"£1" substituted (1.5.1998) in s. 79(1) by S.I. 1998/997, art. 3, Sch.
- F53S. 79(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 21, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F54S. 82(1A)-(1E) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 28, 99(1) (with regs. 100, 101)
- F55S. 82(2A) inserted (16.11.2005) by The Financial Services and Markets Act 2000 (Consequential Amendments) Order 2005 (S.I. 2005/2967), art. 2(2)
- F56Words in s. 82(2A) inserted (6.4.2008) by The Financial Services and Markets Act 2000 (Consequential Amendments) Order 2008 (S.I. 2008/733), art. 2
- F57S. 82(2B) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 29, 99(1) (with regs. 100, 101)
- F58Words in s. 82(3) substituted (16.11.2005) by The Financial Services and Markets Act 2000 (Consequential Amendments) Order 2005 (S.I. 2005/2967), art. 2(3)
- F59S. 82(5A) inserted (16.11.2005) by The Financial Services and Markets Act 2000 (Consequential Amendments) Order 2005 (S.I. 2005/2967), art. 2(4)
- F60S. 82(6A)(6B) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 15, 99(1) (with regs. 100, 101)
- C10S. 83 applied (1.11.2009) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2)(c), 52(c) (with reg. 3)
- M11957 c. 36.
- C11S. 84 applied (1.11.2009) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2)(c), 52(b) (with reg. 3)
- F61S. 84(3A)(3B) inserted (31.10.2000) by S.I. 2000/2334, reg. 21(5)
- F62S. 84(3C) inserted (31.10.2004) by The Financial Services (Distance Marketing) Regulations 2004 (S.I. 2004/2095), reg. 14(4)
- F63S. 85(2)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 22, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F64Word in s. 86B(5)(a) substituted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 8(a)
- F65Word in s. 86B(5)(a) substituted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 8(a)
- F66Word in s. 86B(5)(a) substituted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 8(a)
- F67S. 86B(13) inserted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 8(b)
- F68S. 86C(8) inserted (31.10.2008) by The Legislative Reform (Consumer Credit) Order 2008 (S.I. 2008/2826), art. 9
- F69S. 86C inserted (16.6.2006 for certain purposes and otherwise 1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {10}, 71(2) (with Sch. 3 para. 7); S.I. 2006/1508, art. 3(1), Sch. 1; S.I. 2007/3300, art. 3(3), Sch. 3
- F70S. 86D inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {11}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- F71S. 86E inserted (16.6.2006 for certain purposes and otherwise 1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {12}, 71(2) (with Sch. 3 para. 8); S.I. 2006/1508, art. 3(1), Sch. 1; S.I. 2007/3300, art. 3(3), Sch. 3
- F72S. 86F inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {13}, 71(2) (with Sch. 3 para. 9); S.I. 2007/3300, art. 3(3), Sch. 3
- F73S. 75A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 25, 99(1) (with regs. 100, 101) (as inserted by The Consumer Credit (Amendment) Regulations 2010 (S.I. 2010/1969), reg. 11)
- F74S. 77A inserted (16.6.2006 for certain purposes and otherwise 1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {6}, 71(2) (with Sch. 3 para. 2); S.I. 2006/1508, art. 3(1), Sch. 1; S.I. 2007/3300, art. 3(3), Sch. 3
- F75S. 77B inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 26, 99(1) (with regs. 100, 101)
- F76S. 78A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 27, 99(1) (with regs. 100, 101)
- F77S. 86A and preceding cross-heading inserted (31.1.2007) by Consumer Credit Act 2006 (c. 14), ss. {8}, 71(2) (with Sch. 3 para. 5); S.I. 2007/123, art. 3(1), Sch. 1
- F78S. 86B and preceding cross-heading inserted (16.6.2006 for certain purposes and otherwise 1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {9}, 71(2) (with Sch. 3 para. 6); S.I. 2006/1508, art. 3(1), Sch. 1; S.I. 2007/3300, art. 3(3), Sch. 3
- C12S. 87 applied (1.11.2009) by The Payment Services Regulations 2009 (S.I. 2009/209), regs. 1(2)(c), 52(d) (with reg. 3)
- F79S. 87(5) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 37, 99(1) (with regs. 100, 101)
- F80Words in s. 88(2)(3) substituted (1.10.2006) by Consumer Credit Act 2006 (c. 14), ss. {14(1)}, 71(2) (with Sch. 3 para. 10); S.I. 2006/1508, art. 3(2), Sch. 2
- F81Words in s. 88(4) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {14(2)}, 71(2) (with Sch. 3 para. 10); S.I. 2006/1508, art. 3(1), Sch. 1
- F82S. 88(4A) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {14(3)}, 71(2) (with Sch. 3 para. 10); S.I. 2007/3300, art. 3(3), Sch. 3
- F83S. 93A inserted (S.) by Debtors (Scotland) Act 1987 (c. 18, SIF 45:2), ss. 108(1)(2), 109(3), Sch. 6 para. 16, Sch. 7 para. 5
- F84Words in s. 94(1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 30(a), 99(1) (with regs. 100, 101)
- F85S. 94(3)-(6) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 30(b), 99(1) (with regs. 100, 101)
- F86Words in s. 95(1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 31, 99(1) (with regs. 100, 101)
- F87Words in s. 97(1) omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(a), 99(1) (with regs. 100, 101)
- F88S. 97(2A) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 33(b), 99(1) (with regs. 100, 101)
- F89S. 97(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277) regs. 30(1)(3), Sch. 2 para. 23, {Sch. 4 Pt. 1} (with savings in reg. 28(2)(3))
- F90S. 95A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 32, 99(1) (with regs. 100, 101) (as amended (31.1.2011) by S.I. 2011/11, reg. 3)
- F91S. 97A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 34, 99(1) (with regs. 100, 101)
- F92"£1,500" substituted (1.5.1998) in s. 101(7)(a) by S.I. 1998/997, art. 3, Sch.
- F93Word in s. 101(8) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(26); S.I. 2003/766, art. 2, Sch. (with art. 3)
- F94Words in s. 101(8) substituted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {63(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F95S. 101(8A) inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {63(1)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F96S. 103(5) repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 24(a), Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F97S. 103(6) inserted (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), reg. 30(1), Sch. 2 para. 24(b) (with savings in reg. 28(2)(3))
- F98S. 98A inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 38, 99(1) (with regs. 100, 101)
- F99"£1" substituted (1.5.1998) in s. 107(1) by S.I. 1998/997, art. 3, Sch.
- F100S. 107(4)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 25, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F101"£1" substituted (1.5.1998) in s. 108(1) by S.I. 1998/997, art. 3, Sch.
- F102S. 108(4)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 26, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F103"£1" substituted (1.5.1998) in s. 109(1) by S.I. 1998/997, art. 3, Sch.
- F104S. 109(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 27, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F105"£1" substituted (1.5.1998) in s. 110(1) by S.I. 1998/997, art. 3, Sch.
- F106S. 110(3)(b) and preceding word repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), regs. 30(1)(3), Sch. 2 para. 28, Sch. 4 Pt. 1 (with savings in reg. 28(2)(3))
- F107Words inserted (E.W.N.I.) by virtue of (E.W.) Minors' Contracts Act 1987 (c. 13, SIF 30), s. 4(1)(a) and (N.I.) S.I. 1988/930 (N.I. 9), art. 6(1)(a)
- F108Words inserted (E.W.N.I.) by virtue of (E.W.) Minors' Contracts Act 1987 (c. 13, SIF 30), s. 4(1)(b) and (N.I.) S.I. 1988/930 (N.I. 9), art. 6(1)(b)
- F109Words “those obligations ” substituted (E.W.N.I.) for “they ” by virtue of (E.W.) Minors' Contracts Act 1987 (c. 13, SIF 30), s. 4(1)(c) and (N.I.) S.I. 1988/930 (N.I. 9), art. 6(1)(c)
- C13S. 114 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- F110Words inserted by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- C14Ss. 115–117 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- C15Ss. 115–117 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- C16S. 118 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- F111"£75" substituted (1.5.1998) in s. 118(1)(b) by S.I. 1998/997, art. 3, Sch.
- C17S. 119 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- F112Words in s. 119(2) substituted (25.8.2000) by 2000 c. 6, ss. 165, 168(1), Sch. 9 para. 45
- M21969 c. 16 (N.I.)
- C18S. 120 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- F113Words in s. 120(1)(a) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 35, 99(1) (with regs. 100, 101)
- C19Ss. 121, 122 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- C20Ss. 121, 122 excluded by Banking Act 1979 (c. 37, SIF 10), s. 38(2)
- M31882 c. 61.
- M41882 c. 61.
- F114S. 127(1)(za) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 18, 99(1) (with regs. 100, 101)
- F115S. 127(1)(zb) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 12, 99(1) (with regs. 100, 101)
- F116Words in s. 127(1) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
- F117S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
- C21S. 129 excluded (1.4.1999) by S.I. 1997/687, art. 9(1)(a)(iv) (as inserted (1.4.1999) by S.I. 1999/754, art. 2(2))
- F118Words added (S.) by Debtors (Scotland) Act 1987 (c. 18, SIF 45:2), ss. 108(1) (2), 109(3), Sch. 6 para. 17(a), Sch. 7 para. 5
- F119S. 129(1)(ba) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {16(1)}, 71(2) (with Sch. 3 para. 12); S.I. 2007/3300, art. 3(3), Sch. 3
- F120S. 129(3) added (S.) by Debtors (Scotland) Act 1987 (c. 18, SIF 45:2), ss. 108(1) (2), 109(3), Sch. 6 para. 17(b), Sch. 7 para. 5
- F121S. 129A inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {16(2)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- F122S. 137 repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(3)}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 15); S.I. 2007/123, art. 3(2), Sch. 2
- F123S. 138 repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(3)}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 15); S.I. 2007/123, art. 3(2), Sch. 2
- F124S. 139 repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(3)}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 15); S.I. 2007/123, art. 3(2), Sch. 2
- F125S. 140 repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(3)}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 15); S.I. 2007/123, art. 3(2), Sch. 2
- F126S. 140B inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {20}, 71(2) (with Sch. 3 paras. 14, 16); S.I. 2007/123, art. 3(2), Sch. 2
- F127S. 140C inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {21}, 71(2) (with Sch. 3 para. 16); S.I. 2007/123, art. 3(2), Sch. 2
- F128S. 141(3)(3A)(3B) substituted for s. 141(3) by Civil Jurisdiction and Judgments Act 1982 (c. 27, SIF 45:3), ss. 15(4), 53, Sch. 12 para. 4, Sch. 13 Pt. I.
- F129Words substituted by S.I. 1980/397 (N.I. 3), art. 68(2), Sch. 1 Pt. II
- F130S. 130A and preceding cross-heading inserted (16.6.2006 for certain purposes and otherwise 1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {17}, 71(2) (with Sch. 3 para. 13); S.I. 2006/1508, art. 3(1), Sch. 1; S.I. 2007/3300, art. 3(3), Sch. 3
- F131S. 140A and preceding cross-heading inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {19}, 71(2) (with Sch. 3 para. 16); S.I. 2007/123, art. 3(2), Sch. 2
- F132S. 145(1)(da) substituted (1.10.2008) for word by Consumer Credit Act 2006 (c. 14), ss. {24(1)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- F133S. 145(1)(db) inserted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(1)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- F134Words in s. 154 substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {25(4)(b)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- F135Words in s. 155(1) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 22(2)
- F136"£5" substituted (1.5.1998) in s. 155(1) by S.I. 1998/997, art. 3, Sch.
- F137S. 155(2A) inserted (31.10.2004) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No. 1) Order 2003 (S.I. 2003/1475), arts. 1(3), 22(3)
- F138S. 157(A1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 40(2), 99(1) (with regs. 100, 101)
- F139Words in s. 157(1) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 40(3), 99(1) (with regs. 100, 101)
- F140S. 157(2A) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 40(4), 99(1) (with regs. 100, 101)
- F141Words in s. 157(3) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 40(5), 99(1) (with regs. 100, 101)
- F142S. 157(4) inserted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 40(6), 99(1) (with regs. 100, 101)
- F143S. 158(1)(a) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(5)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))
- F144"£2" substituted (1.5.1998) in s. 158(1) by S.I. 1998/997, art. 3, Sch.
- F145Word in s. 158(1) substituted (1.3.2000) by 1998 c. 29, s. 62(1)(a)(ii) (with Sch. 14 para. 20); S.I. 2000/183, art. 2
- F146Words in s. 158(2)(3) substituted (1.3.2000) by 1998 c. 29, ss. 62(1)(b)(c) (with Sch. 14 para. 20); S.I. 2000/183, art. 2
- F147S. 158(4A) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(6)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))
- F148S. 159(1) substituted (1.3.2000) by 1998 c. 29, s.62(2); S.I. 2000/183, art. 2 (with ss. 159, 160)
- F149Words in s. 159(2)-(6) substituted (1.3.2000) by 1998 c. 29, s. 62(3)(a)(b); S.I. 2000/183, art. 2 (with art. 2(2))
- F150S. 159(7)(8) inserted (1.3.2000) by 1998 c. 29, s. 62(4); S.I. 2000/183, art. 2 (with art. 2(2))
- F151Words in s. 159(7)(8)(b) substituted (30.1.2001) by 2000 c. 36, ss. 18(4), 87(2), Sch. 2 Pt. I para. 7 (with ss. 7(1)(7), 56, 78)
- F152Word in s. 160(1) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(31)(b); S.I. 2003/766, art. 2, Sch. (with art. 3)
- F153Words in s. 160(4) substituted (1.3.2000) by 1998 c. 29, s. 62(5)(a)(i); S.I. 2000/183, art. 2 (with art. 2(2))
- F154Words in s. 160(4)(a)(b) substituted (1.3.2000) by 1998 c. 29, s. 62(5)(a)(ii); S.I. 2000/183, art. 2 (with art. 2(2))
- F155S. 160(7) inserted (1.3.2000) by 1998 c. 29, s. 62(5)(b); S.I. 2000/183, art. 2 (with art. 2(2))
- F156S. 161(2) omitted (1.4.2003) by virtue of and repealed (20.6.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(32)(b), Sch. 26; S.I. 2003/766, art. 2, Sch. (with art. 3); S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10)
- F157Words in s. 161(3) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(32)(c); S.I. 2003/766, art. 2, Sch. (with art. 3)
- F158S. 161(4)–(6) repealed by Local Government, Planning and Land Act 1980 (c. 65, SIF 81:1, 2), s. 1(4), Sch. 34 Pt. IV
- F159Word in s. 166(b) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(34); S.I. 2003/766, art. 2, Sch. (with art. 3)
- C22S. 167 excluded (temp.) by S.I. 1989/1125, reg. 10(1)
- C23S. 167 restricted (31.10.2004) by The Consumer Credit (Advertisements) Regulations 2004 (S.I. 2004/1484), reg. 12
- C24S. 167 restricted (1.2.2011) by The Consumer Credit (Advertisements) Regulations 2010 (S.I. 2010/1970), reg. 12 (with reg. 11)
- F160Word in s. 170(2) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(35); S.I. 2003/766, art. 2, Sch. (with art. 3)
- F161Word in s. 170(2) substituted (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(35); S.I. 2003/766, art. 2, Sch. (with art. 3)
- M51868 c. 100.
- F162S. 171(7) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 15(5)); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(e)(ii))
- F163S. 174 repealed (20.6.2003) by Enterprise Act 2002 (c. 40), ss. 247(d), 278, 279, Sch. 26; S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10)
- F164Words in s. 176(2) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(6)
- F165S. 176(7) substituted (1.7.1995) by 1994 c. 36, s. 21(1), Sch. 1 para. 6 (with s. 20); S.I. 1995/1317, art. 3
- F166Words in s. 177(1)(6) substituted (13.10.2003) by Land Registration Act 2002 (c. 9), ss. 126, 136(2), Sch. 11 para. 11; S.I. 2003/1725, art. 2
- M61925 c. 20.
- F167Words in s. 177(3)(5) substituted (1.10.2008) by Consumer Credit Act 2006 (c. 14), ss. {24(5)}, 71(2); S.I. 2007/3300, art. 3(3), Sch. 3
- M71891 c. 66.
- M81970 c. 18 (N.I.)
- M91925 c. 20.
- M101881 c. 41.
- M111911 c. 37.
- F168Words in s. 181(1) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 15(5)); S.I. 2007/3300, art. 3(2), Sch. 2
- F169Words in s. 181(1) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(4)(a)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2
- F170Words in s. 181(2) repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 15(5)); S.I. 2007/3300, art. 3(2), Sch. 2
- F171Words in s. 181(2) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {22(4)(b)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2
- F172S. 182(1A) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(a) (with Sch. 4)
- F173Words in s. 182(2) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(b)(i) (with Sch. 4)
- F174Words in s. 182(2) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 7(b)(ii) (with Sch. 4)
- F175S. 183 substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 64, 68; S.I. 2007/3300, art. 3(2), Sch. 2
- F176S. 184(1) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(2); S.I. 2005/3175, art. 2(2)-(5)
- F177Words in s. 184(2) inserted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(3); S.I. 2005/3175, art. 2(2)-(5)
- F178Word in s. 184(5) repealed (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1)(4), Sch. 27 para. 51(4)(a), Sch. 30; S.I. 2005/3175, art. 2(2)-(5)
- F179Words in s. 184(5) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(4)(b); S.I. 2005/3175, art. 2(2)-(5)
- F180Words in s. 184(5) inserted (5.12.2005) by The Civil Partnership Act 2004 (Overseas Relationships and Consequential, etc. Amendments) Order 2005 (S.I. 2005/3129), art. 4(4), Sch. 4 para. 2
- F181Words in s. 184(5) substituted (5.12.2005) by Civil Partnership Act 2004 (c. 33), s. 261(1), Sch. 27 para. 51(4)(c); S.I. 2005/3175, art. 2(2)-(5)
- F182S. 185(2)-(2D) substituted (1.10.2008) for s. 185(2) by Consumer Credit Act 2006 (c. 14), ss. {7(3)}, 71(2) (with Sch. 3 para. 4); S.I. 2007/3300, art. 3(3), Sch. 3
- F183Words in s. 185(3) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4 (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
- F184Words in s. 185(5)(b) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(8)(a)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))
- F185Words in s. 185(5) substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(8)(b)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))
- F186Words in s. 185(6) inserted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {5(9)}, 71(2); S.I. 2007/123, art. 3(2), Sch. 2 (as amended by S.I. 2007/387, art. 2(3)(a))
- F187S. 187(3A) inserted by Banking Act 1987 (c. 22, SIF 10), s. 89
- F188S. 189(1): definition of "appropriate method" inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(8)
- F189S. 189(1): definitions of "authorised business overdraft agreement" and "authorised non-business overdraft agreement" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 19(2), 99(2)(a) (with regs. 100, 101)
- F190S. 189(1): definitions repealed (1.12.2001) by S.I. 2001/3649, art. 176(a)
- M121878 c. 31.
- M131879 c. 50.
- F191Definition of “building society ” substituted by Building Societies Act 1986 (c. 53, SIF 16), s. 120, Sch. 18 para. 10(4)
- F192S. 189(1): words in definition of "charity" substituted (14.3.2012) by Charities Act 2011 (c. 25), ss. 354(1), 355, Sch. 7 para. 29 (with s. 20(2), Sch. 8)
- F193S. 189(1): words in definition of "charity" substituted (1.4.2006) by The Charities and Trustee Investment (Scotland) Act 2005 (Consequential Provisions and Modifications) Order 2006 (S.I. 2006/242), arts. 1(3), 5, Sch. para. 1(a)
- F194S. 189(1): words in definition of "charity" inserted (1.4.2006) by The Charities and Trustee Investment (Scotland) Act 2005 (Consequential Provisions and Modifications) Order 2006 (S.I. 2006/242), arts. 1(3), 5, Sch. para. 1(b)
- F195S. 189(1): definition of "consumer credit business" substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {23(a)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F196S. 189(1): definition of "consumer hire business" substituted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {23(b)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F197S. 189(1): definition of "costs" repealed (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2007/3300, art. 3(2), Sch. 2
- F198S. 189(1): definition of "credit information services" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {25(5)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F199S. 189(1): definition of "credit intermediary" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 42, 99(2)(d) (with regs. 100, 101)
- F200S. 189(1): definition of "debt administration" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {24(6)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F201S. 189(1): definition of "default sum" inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {18(2)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F202S. 189(1): definition of "documents" inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {51(6)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F203S. 189(1): definition of "Director" repealed (1.4.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 25 para. 6(38)(a)(i), Sch. 26; S.I. 2003/766, art. 2, Sch. (with art. 3)
- F204Words “the Electricity Act 1989 ” substituted (E.W.S.) for “the Electric Lighting Act 1882 ” by Electricity Act 1989 (c. 29, SIF 44:1), s. 112(1)(3), Sch. 16 para. 17(1)(3), Sch. 17 paras. 33, 35(1)
- F205S. 189(1): words in definition of "electric line" substituted (N.I.) (1.4.1992) by S.I. 1992/231 (N.I. 1), art. 95(1), Sch. 12 para. 15; S.R. 1992/117, art. 3.
- F206S. 189(1): definition of "electronic communication" inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(8)
- F207S. 189(1): words in definition of “friendly society ” substituted (1.12.2001) by S.I. 2001/3649, art. 176(c)
- M141970 c. 31. (N.I.)
- F208Words in s. 189(1) substituted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(9)
- M151894 c. 71 (56 & 57 Vict.).
- F209Words substituted by Sale of Goods Act 1979 (c. 54, SIF 109:1), s. 63, Sch. 2 para. 18
- F210S. 189(1): definition of "individual" substituted (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {1}, 71(2) (with Sch. 3 paras. 17, 29); S.I. 2007/123, art. 3(2), Sch. 2 (with transitional provisions in arts. 4, 5)
- M161899 c. 46.
- F211Words in s. 189(1) repealed (E.W) (1.4.1996) by 1994 c. 19, s. 66(6)(8), Sch. 16 para. 45, Sch. 18 (with ss. 54(5)(7), 55(5)); S.I. 1996/396, art. 4, Sch. 2
- F212Words repealed by Local Government Act 1985 (c. 51, SIF 81:1), s. 102, Sch. 17
- F213Words in s. 189(1) inserted (E.W) (1.4.1996) by 1994 c. 19, s.66(6)(8), Sch. 16 para. 45 (with ss. 54(5)(7), 55(5)); S.I. 1996/396, art. 4, Sch. 2
- F214Words in s. 189(1) substituted (S.) (1.4.1996) by 1994 c. 39, s. 180(1), Sch. 13 para. 94; S.I. 1996/323, art. 4(1)
- F215Definition of “minor” in relation to Scotland repealed (S.) (25.9.1991) by Age of Legal Capacity (Scotland) Act 1991 (c. 50, SIF 60), ss. 10, 11(2), Sch. 2 (with s. 1(3)).
- F216S. 189(1): definition of "open-end" inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 39, 99(2)(b) (with regs. 100, 101)
- F217S. 189(1): definition of "personal credit agreement" repealed (6.4.2008 for certain purposes, otherwise 31.10.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2008/831, art. 3(1)(2), Schs. 2, 3 (as amended by S.I. 2008/2444, art. 2)
- M171962 c. 30.
- F218S189: definition of "the Tribunal" omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 8(a)(ii) (with Sch. 4)
- M181971 c. 80.
- F219S. 189(1A) inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {27(3)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F220Words in s. 189(1A) omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 8(b) (with Sch. 4)
- F221S. 189(2A) inserted (30.4.2010) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 19(3), 99(2)(a) (with regs. 100, 101)
- M191972 c. 11.
- M201973 c. 41.
- F222Words substituted by S.I. 1979/1573, art. 11(1), Sch. 4 para. 15
- M211954 c. 33. (N.I.)
- M221889 c. 63.
- P1Power of appointment conferred by s. 192(2) fully exercised: S.I. 1975/2123, 1977/325, 802, 2163, 1980/50, 1983/1551, 1984/436 and 1989/1128
- X1The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- P2Power of appointment conferred by s. 192(4) exercised: S.I. 1977/325, 802, 1979/1685, 1980/50, 1981/280, 1983/1551
- F223S. 187A inserted (16.6.2006) by Consumer Credit Act 2006 (c. 14), ss. {18(1)}, 71(2); S.I. 2006/1508, art. 3(1), Sch. 1
- F224S. 174A inserted (6.4.2008) by Consumer Credit Act 2006 (c. 14), ss. {51(5)}, 71(2); S.I. 2007/3300, art. 3(2), Sch. 2
- F225S. 176A inserted (31.12.2004) by The Consumer Credit Act 1974 (Electronic Communications) Order 2004 (S.I. 2004/3236), art. 2(7)
- F226Sch. A1 omitted (1.9.2009) by virtue of The Transfer of Functions of the Consumer Credit Appeals Tribunal Order 2009 (S.I. 2009/1835), arts. 1, 4(1), Sch. 1 para. 9 (with Sch. 4)
- F227Entries in Sch. 1 Table repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), reg. 30(3), Sch. 1 (with savings in reg. 28(2)(3))
- F228Words substituted by virtue of (E.W.) Criminal Justice Act 1982 (c. 48, SIF 39:1), ss. 38, 46, (S.) by Criminal Procedure (Scotland) Act 1975 (c. 21, SIF 39:1), s. 289F, 289G and (N.I.) by S.I. 1984/703 (N.I. 3), arts. 5, 6
- F229Words in Sch. 2 Pt. 1 repealed (6.4.2008 for certain purposes otherwise 31.10.2008) by Consumer Credit Act 2006 (c. 14), ss. 70, 71(2), Sch. 4; S.I. 2008/831, arts. 3(1)(2), Schs. 2, 3 (as amended by S.I. 2008/2444, art. 2)
- F230Sch. 2 Pt. II, Example 17: words omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 20(2), 99(1) (with regs. 100, 101)
- F231Sch. 2 Pt. II, Example 18: words omitted (1.2.2011) by virtue of The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 20(3), 99(1) (with regs. 100, 101)
- F232Words substituted by S.I. 1977/325, art. 2 Sch. 1 para. 1
- F233Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F234Words substituted by S.I. 1980/50, art. 3
- F235Words substituted by S.I. 1977/802, para. 3
- F236Words substituted by S.I. 1977/802, para. 3
- F237Words substituted by S.I. 1977/325, art. 2 Sch. 1 para. 1
- F238Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F239Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F240Words substituted by S.I. 1977/802, para. 3
- F241Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F242Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F243Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F244Words substituted by S.I. 1977/325, art. 2 Sch. 1 para. 1
- F245Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F246Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F247Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F248Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F249Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F250Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F251Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F252Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F253Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F254Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F255Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F256Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F257Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F258Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F259Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F260Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F261Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F262Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F263Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F264Words substituted by S.I. 1983/1551, arts. 2(2), 3(a)(ii)
- F265Words substituted by S.I. 1984/436, art. 3
- F266Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F267Words substituted by S.I. 1977/325, art. 2 Sch. 1 para. 1
- F268Words substituted by S.I. 1983/1551, arts. 2(1), 3(a)(i)
- F269Words substituted by S.I. 1983/1551, art. 3(b)
- X2The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M231882 c.43.
- X3The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F270Sch. 4 Pt. I paras. 3, 4 repealed by Sale of Goods Act 1979 (c. 54, SIF 109:1), s. 63, Sch. 3
- M241889 c 45.
- X4The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M251908 c. 53.
- F271Sch. 4 Pt. I para. 6 repealed (E.W.) by Insolvency Act 1985 (c. 65, SIF 66), s. 235, Sch. 9 para. 11, Sch. 10 Pt. III
- X5The text of Sch. 4 Pt. I paras. 6, 18 and Sch. 4 Pt. II para. 38 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and, except as specified, does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M261914 c. 59.
- X6The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X7The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M271939 c. 75.
- X8The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F272Sch. 4 Pt. I para. 10 repealed by Statute Law (Repeals) Act 1986 (c. 12), s. 1(1), Sch. 1 Pt. II
- M281939 c. 102.
- F273Sch. 4 para. 11 repealed (6.1.1997) by S.I. 1996/ 3097, arts. 1, 3(1)(b)
- M291951 c. 63.
- X9The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X10The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X11The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M301951 c. 65.
- F274Sch. 4 para. 15 repealed (E.W.S.) (27.8.1993) by 1993 c. 11, ss. 67(3), 68(2), Sch. 6 .
- F275Sch. 4 para. 16 repealed (E.W.S.) (27.8.1993) by 1993 c. 11, ss. 67(3), 68(2) Sch. 6.
- M311956 c. 52.
- X12The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M321956 c. 68.
- F276Sch. 4 Pt. I para. 18 repealed (E.W.) by Housing (Consequential Provisions) Act 1985 (c. 71, SIF 61), s. 3, Sch. 1 Pt. I
- X13The text of Sch. 4 Pt. I paras. 6, 18 and Sch. 4 Pt. II para. 38 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and, except as specified, does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M331957 c. 56.
- F277Sch. 4 para. 19 repealed (5.11.1993) by 1993 c. 50, s. 1(1), Sch. 1, Pt. IX Group 1.
- F278Sch. 4 Pt. I paras. 20, 21 repealed by Consumer Safety Act 1978 (c. 38, SIF 109:1), s. 12(2), Sch. 3
- M341959 c. 22.
- X14The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X15The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M351964 c. 60
- X16The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F279Sch. 6 para. 24 repealed (E.W.S.) (6.4.2005) by The Regulatory Reform (Trading Stamps) Order 2005 (S.I. 2005/871), art. 6, Sch.
- X17The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F280Sch. 6 para. 25 repealed (E.W.S.) (6.4.2005) by The Regulatory Reform (Trading Stamps) Order 2005 (S.I. 2005/871), art. 6, Sch.
- X18The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F281Sch. 6 para. 26 repealed (E.W.S.) (6.4.2005) by The Regulatory Reform (Trading Stamps) Order 2005 (S.I. 2005/871), art. 6, Sch.
- M361964 c. 71.
- F282Sch. 4 para. 27 repealed (5.11.1993) by 1993 c. 50, s. 1(1), Sch. 1 Pt. IX Group 1.
- M371966 c. 49.
- F283Sch. 4 para. 28 repealed (20.6.2003) by Enterprise Act 2002 (c. 40), ss. 278, 279, Sch. 26; S.I. 2003/1397, art. 2, Sch. (with arts. 8, 10)
- F284Sch. 4 Pt. I para. 29 repealed by Income and Corporation Taxes Act 1988 (c. 1, SIF 63:1), s. 844, Sch. 31
- M381968 c. 29.
- X19The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X20The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M391970 c. 31.
- F285Sch. 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))
- F286Sch. 4 Pt. I para. 33 repealed by Industrial Development Act 1982 (c. 52, SIF 64), s. 19, Sch. 3
- M401971 c. 10.
- X21The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M411973 c. 9.
- X22The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- X23The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M421973 c. 13.
- F287Sch. 4 para. 37 repealed (29.12.2003) by The Enterprise Act 2002 and Media Mergers (Consequential Amendments) Order 2003 (S.I. 2003/3180), art. 2, Sch. para. 2 (with art. 3)
- M431973 c. 41.
- F288Sch. 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
- M441857 c. 60.
- X24The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M451883 c. 7.
- X25The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F289Sch. 4 Pt. II paras. 41, 42 repealed by S.I. 1981/158 (N.I. 14), art. 44(3), Sch. 5
- M461939 c. 36 (N.I.)
- X26The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F290Sch. 4 para. 43 repealed (N.I.) (15.11.2005) by The Law Reform (Miscellaneous Provisions) (Northern Ireland) Order 2005 (S.I. 2005/1452 (N.I. 7)), art. 24, Sch. 2; S.R. 2005/494, art. 2(1)
- X27The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F291Sch. 4 para. 44 repealed (N.I.) (15.11.2005) by The Law Reform (Miscellaneous Provisions) (Northern Ireland) Order 2005 (S.I. 2005/1452 (N.I. 7)), art. 24, Sch. 2; S.R. 2005/494, art. 2(1)
- X28The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F292Sch. 4 para. 45 repealed (N.I.) (15.11.2005) by The Law Reform (Miscellaneous Provisions) (Northern Ireland) Order 2005 (S.I. 2005/1452 (N.I. 7)), art. 24, Sch. 2; S.R. 2005/494, art. 2(1)
- F293Sch. 4 Pt. II paras. 46, 47 repealed by Consumer Safety Act 1978 (c. 38), s. 12(1), Sch. 3
- F294Sch. 4 Pt. II para. 48 repealed by S.I. 1982/1083 (N.I. 15), art. 35(3), Sch. 5 Pt. I
- M471965 c. 6 (N.I.).
- X29The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M481966 c. 42(N.I.)
- F295Sch. 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
- M491972 c. 10 (N.I.).
- X30The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- M501972 c. II (N.I.).
- X31The text of ss. 3(a)(b)(c), 5, 42(1)(2)(3), 192(3)(a)(b), Sch. 4 Pt. I paras. 1, 2, 5, 7 - 9, 11 - 17, 19, 22 - 28, 30 - 32, 34 - 37, Sch. 4 Pt. II paras. 39, 40, 43 -45, 49 - 51 and Sch. 5 is in the form in which it was originally enacted: it was not reproduced in Statutes in Force and does not reflect any amendments or repeals which may have been made prior to 1.2.1991.
- F296Sch. A1 inserted (1.12.2007 for specified provisions and 6.4.2008 for further specified provisions and otherwise prosp.) by Consumer Credit Act 2006 (c. 14), ss. 55(2), 71(2), Sch. 1 (with Sch. 3 para. 23(2)); S.I. 2007/3300, arts. 3(1), 3(2), Sch. 1, Sch. 2
- F297Sch. A1 para. 3(2)(a) substituted (21.7.2008) by Tribunals, Courts and Enforcement Act 2007 (c. 15), ss. 50, 148, Sch. 10 para. 11(2); S.I. 2008/1653, art. 2(b)(d) (with arts. 3, 4)
- F298Words in Sch. A1 para. 3(2)(b)(c) substituted (21.7.2008) by Tribunals, Courts and Enforcement Act 2007 (c. 15), ss. 50, 148, Sch. 10 para. 11(3); S.I. 2008/1653, art. 2(b)(d) (with arts. 3, 4)
- F299Sch. A1 para. 11 repealed (3.11.2008) by Tribunals, Courts and Enforcement Act 2007 (c. 15), ss. 146, 148, Sch. 23 Pt. 1; S.I. 2008/2696, art. 5(i)(i) (with art. 3)
- C25Act: power to amend conferred (21.3.2012) by Energy Act 2011 (c. 16), ss. 30(1), 121(1); S.I. 2012/873, art. 2(a)(vi)
- C26S. 167 restricted (1.1.2013) by The Consumer Credit (Total Charge for Credit) (Amendment) Regulations 2012 (S.I. 2012/1745), regs. 1(2), 6
- F300S. 95B inserted (21.3.2012 for specified purposes, 28.1.2013 in so far as not already in force) by Energy Act 2011 (c. 16), ss. 29(2), 121(1); S.I. 2012/873, art. 3(1)(d)(2); S.I. 2013/125, art. 2(d)
- F301Words in s. 94(1) inserted (E.W.S.) (21.3.2012 for specified purposes, 28.1.2013 in so far as not already in force) by Energy Act 2011 (c. 16), ss. 29(3)(a), 121(1); S.I. 2012/873, art. 3(1)(d)(2); S.I. 2013/125, art. 2(d)
- F302Words in s. 94(5) inserted (E.W.S.) (21.3.2012 for specified purposes, 28.1.2013 in so far as not already in force) by Energy Act 2011 (c. 16), ss. 29(3)(b), 121(1); S.I. 2012/873, art. 3(1)(d)(2); S.I. 2013/125, art. 2(d)
- F303Words in s. 97A(2)(c) inserted (E.W.S.) (21.3.2012 for specified purposes, 28.1.2013 in so far as not already in force) by Energy Act 2011 (c. 16), ss. 29(4), 121(1); S.I. 2012/873, art. 3(1)(d)(2); S.I. 2013/125, art. 2(d)
- F304S. 77(2A)(2B) inserted (E.W.S.) (28.1.2013) by Energy Act 2011 (c. 16), ss. 27(2), 121(1); S.I. 2013/125, art. 3(b)
- F305S. 77A(2A)(2B) inserted (E.W.S.) (28.1.2013) by Energy Act 2011 (c. 16), ss. 27(3), 121(1); S.I. 2013/125, art. 3(b)
- F306S. 77B(7A)(7B) inserted (E.W.S.) (28.1.2013) by Energy Act 2011 (c. 16), ss. 27(4), 121(1); S.I. 2013/125, art. 3(b)
- F307Ss. 86B(12)-(12B) substituted for s. 86B(12) (E.W.S.) (28.1.2013) by Energy Act 2011 (c. 16), ss. 28, 121(1); S.I. 2013/125, art. 3(b)
- F308Cross-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)
- F309Cross-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)
- F310S. 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)
- F311Pt. 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)
- F312Sch. 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)
- F313S. 25(1C) so far as still in force amended (1.1.2014) by The Capital Requirements Regulations 2013 (S.I. 2013/3115), reg. 1(2), Sch. 2 para. 32
- F314Sch. 2A inserted (E.W.S.) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 7 (with art. 1(3))
- F315Ss. 189B-189D inserted (E.W.S) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 6 (with art. 1(3))
- F316S. 8(4) inserted (E.W.S.) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 3 (with art. 1(3))
- F317Words in s. 189(1) inserted (E.W.S.) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 5(a) (with art. 1(3))
- F318Words in s. 189(1) inserted (E.W.S.) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 5(b) (with art. 1(3))
- F319Words in s. 189(1) inserted (E.W.S.) (28.2.2014) by The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 5(c) (with art. 1(3))
- F320Words in s. 77(2A) omitted (E.W.S.) (28.2.2014) by virtue of The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 8(2) (with art. 1(3))
- F321Words in s. 77A(2A) omitted (E.W.S.) (28.2.2014) by virtue of The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 8(2) (with art. 1(3))
- F322Words in s. 77B(7A) omitted (E.W.S.) (28.2.2014) by virtue of The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 8(2) (with art. 1(3))
- F323Words in s. 86B(12A)(b)(iii) omitted (E.W.S.) (28.2.2014) by virtue of The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 8(2) (with art. 1(3))
- F324Words in s. 95B(1)(b) omitted (E.W.S.) (28.2.2014) by virtue of The Consumer Credit Act 1974 (Green Deal) (Amendment) Order 2014 (S.I. 2014/436), arts. 1(2), 8(2) (with art. 1(3))
- F325S. 126 substituted (30.3.2014 for specified purposes, 1.4.2014 in so far as not already in force) by S.I. 2013/1881, art. 20(38) (as substituted (30.3.2014) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) (No. 2) Order 2014 (S.I. 2014/506), arts. 1(2), 5(4))
- F326Word in s. 49 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(2)
- F327Words in s. 60(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(3)(a)(i)
- F328Word in s. 60(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(3)(a)(ii)
- F329Word in s. 60(3) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(3)(b)
- F330Word in s. 60(4) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(3)(c)
- F331Word in s. 64(4) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(4)
- F332Word in s. 74(3) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(5)
- F333Word in s. 86A heading substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(6)
- F334Words in s. 86A(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(7)(a)
- F335Words in s. 86A(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(7)(b)
- F336S. 86A(6) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(7)(c)
- F337Words in s. 86A(7) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(7)(d)
- F338Word in s. 101(8) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(8)(a)(i)
- F339Words in s. 101(8) omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(8)(a)(ii)
- F340Word in s. 101(8A) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(8)(b)(i)
- F341Words in s. 101(8A) omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(8)(b)(ii)
- F342Word in s. 113(2) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(9)
- F343Word in s. 123(6) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(10)
- F344Word in s. 159(8)(a) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(11)
- F345Word in s. 160 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(12)
- F346Word in s. 161(3) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(13)
- F347Word in s. 166 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(14)
- F348Words in s. 166(a) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(15)(a)
- F349Word in s. 166(a) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(15)(b)
- F350Words in s. 170(1) inserted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(16)(a)
- F351Word in s. 170(2) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(16)(b)
- F352Word in s. 178 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(17)
- F353Word in s. 181(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(18)
- F354Word in s. 182 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(19)
- F355Word in s. 183 heading substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(20)(a)
- F356Word in s. 183(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(20)(b)
- F357Word in s. 188(4) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(21)
- F358Words in s. 189(1) inserted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(22)(a)(i)
- F359Words in s. 189(1) omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(22)(a)(ii)
- F360Words in s. 189(1) omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(22)(a)(iii)
- F361Word in s. 189(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 7(22)(a)(iv)
- C27S. 174A applied (with modifications) (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services Act 2012 (Consumer Credit) Order 2013 (S.I. 2013/1882), arts. 1(1), 8(6)
- F362Pt. 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)
- F363S. 15(2) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(4)
- F364S. 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)
- F365S. 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)
- F366S. 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)
- F367S. 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)
- F368S. 20 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(9)
- F369Pt. 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))
- F370S. 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)
- F371S. 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)
- F372S. 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)
- F373S. 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)
- F374S. 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)
- F375S. 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)
- F376S. 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)
- F377S. 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)
- F378S. 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)
- F379S. 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)
- F380S. 55C(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(23)
- F381S. 60(6) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(24)
- F382S. 61A(7)(8) substituted for s. 61A(7) (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(25)
- F383S. 74(1B)(a) 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(26)(a)
- F384S. 74(1C)(b) 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(26)(b)
- F385S. 74(1D)(b)(c) 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(26)(c)
- F386S. 74(1F)(b)(c) 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(26)(d)
- F387S. 75A(7) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(28)
- F388S. 77B(10) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(29)
- F389S. 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)
- F390Words in s. 82(2A) 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(31)(a)
- F391Words in s. 82(3)(b) 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(31)(b)
- F392Words in s. 82(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(31)(c)
- F393S. 82(8) inserted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(31)(d)
- F394S. 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)
- F395Words in s. 93(b) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(33)
- F396S. 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)
- F397Words in s. 113(3)(c) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(35)
- F398Word in s. 114(3) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(36)
- F399S. 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)
- F400Words in s. 140A(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(39)
- F401S. 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)
- F402S. 145(2) substituted for s. 145(2)-(4) (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(a)
- F403S. 145(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(b)
- F404S. 145(6) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(c)
- F405S. 145(7) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(d)
- F406S. 145(7A) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(e)
- F407S. 145(7B) substituted for (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(f)
- F408S. 145(8) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(41)(g)
- F409Words in s. 155(2)(b) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(43)(a)(i)
- F410S. 155(2)(c)(d) substituted for s. 155(2)(c) (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(43)(a)(ii)
- F411Words in s. 155(2A)(a) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(43)(b)
- F412Words in s. 159(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(45)
- F413Words in s. 160(4)(c) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(46)
- F414S. 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)
- F415S. 161(1)(a) 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(48)(a)
- F416S. 161(1A) inserted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(48)(b)
- F417S. 167(2) 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(51)
- F418S. 171(3) 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(52)
- F419Word in s. 173(3) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(53)
- F420S. 174A(5) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(54)
- F421Words in s. 180(2) 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(55)
- F422Words in s. 181(1) 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(56)(a)
- F423Words in s. 181(2) 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(56)(b)
- F424Word in s. 182(1) 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(57)
- F425S. 183(2) 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(58)
- F426S. 185(1A) 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(59)
- F427Words in s. 189(1) 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(60)(a)(i)
- F428Words in s. 189(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(a)(ii)
- F429Words in s. 189(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(a)(iii)
- F430Words in s. 189(1) 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(60)(a)(iv)
- F431Words in s. 189(1) inserted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(a)(v)
- F432Words in s. 189(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(a)(vi)
- F433Words in s. 189(1) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(a)(vii)
- F434Word in s. 189(1A) 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(60)(b)
- F435Words in s. 189(2A) substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(60)(c)
- F436S. 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)
- F437S. 190(2) 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(62)
- F438S. 191(1)(2) 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(63)
- F439Entries in Sch. 1 Table 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(64) (with S.I. 2014/366, arts. 1(3)(4), 13(2)(b)
- F440Words in Sch. 2 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(65)(a)
- F441Words in Sch. 2 Pt. II, Example 5 substituted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(65)(b)
- F442Sch. 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)
- F443Sch. 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)
- F444Sch. 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)
- F445Sch. 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)
- C28S. 148, in so far as still in force, modified by S.I. 2013/1881, art. 48A (as inserted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 7(3))
- C29S. 149, in so far as still in force, modified by S.I. 2013/1881, art. 48B (as inserted (26.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Consumer Credit) (Miscellaneous Provisions) Order 2014 (S.I. 2014/208), arts. 1(3)(4), 7(3))
- F446Words in s. 86A(5) inserted (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 3(2)
- F447Words in s. 86A(7) inserted (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 3(2)
- C30S. 51 savings for effect of S.I. 2013/1881 reg. 20(15) (14.2.2014 for specified purposes, 1.4.2014 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2014 (S.I. 2014/366), arts. 1(3)(4), 13(2)(a)
- F448S. 43 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)
- F449S. 52 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)
- F450Ss. 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))
- F451S. 74(2A) substituted (with application in accordance with reg. 1(2) of the amending S.I.) by The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (S.I. 2013/3134), reg. 1(1), Sch. 4 para. 2 (with reg. 6)
- C31S. 55 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C32S. 55C excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C33S. 60 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C34S. 61 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C35S. 61A excluded (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C36S. 62 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C37S. 63 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C38S. 64 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C39S. 65 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C40S. 66A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C41Ss. 67-73 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C42S. 75A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C43S. 80 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C44Ss. 94-97A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C45S. 102 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C46Ss. 105-107 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C47Ss. 129-130 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C48S. 136 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C49S. 173 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))
- C50S. 76 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(3) (with art. 1(3))
- C51S. 86 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(3) (with art. 1(3))
- C52S. 87 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(3) (with art. 1(3))
- C53S. 98 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(3) (with art. 1(3))
- C54S. 77 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(4) (with art. 1(3))
- C55S. 77B excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(4) (with art. 1(3))
- C56S. 110 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(4) (with art. 1(3))
- C57S. 78A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(5) (with art. 1(3))
- C58S. 82(1)-(1E) excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(6) (with art. 1(3))
- C59S. 86E excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(7) (with art. 1(3))
- C60S. 86F excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(7) (with art. 1(3))
- C61S. 93 excluded (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(7) (with art. 1(3))
- C62S. 130A excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(8) (with art. 1(3))
- C63S. 75 applied (with modifications) by 1967 c. 7, s. 2(5) (as inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 5)
- C64S. 75 applied (with modifications) by 1967 c. 14 (N.I.) s. 2(5) (as inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 6)
- C65S. 75 applied (with modifications) by 1985 c. 73, s. 10(4) (as inserted (with application in accordance with reg. 1(3) of the amending S.I.) by The Consumer Protection (Amendment) Regulations 2014 (S.I. 2014/870), regs. 1(3), 8)
- C66Act applied (with modifications) (21.9.2015) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 31(2) (with Pt. 4)
- F452Entries in Sch. 1 Table omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 18; S.I. 2015/1630, art. 3(i) (with art. 8)
- F453S. 161(1B) inserted (1.10.2015) by Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 13; S.I. 2015/1630, art. 3(i)
- F454S. 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)
- F455S. 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)
- F456S. 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)
- F457S. 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)
- C67Ss. 157-160 applied (1.1.2016) by The Small and Medium Sized Business (Credit Information) Regulations 2015 (S.I. 2015/1945), regs. 1(2), 15(2)
- C68S. 127 applied (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 29(2) (with Pt. 4)
- C69S. 93 applied (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 29(11)(a) (with Pt. 4)
- C70S. 94 applied (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 29(11)(b) (with Pt. 4)
- C71S. 95 applied (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 29(11)(c) (with Pt. 4)
- C72Ss. 140A-140C applied (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), arts. 1(5), 29(12) (with Pt. 4)
- F458S. 8(3) substituted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(2) (with Pt. 4)
- F459Words in s. 55C(4)(c) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(3) (with Pt. 4)
- F460Words in s. 60(5)(c) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(4) (with Pt. 4)
- F461S. 61A(6A) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(5) (with Pt. 4)
- F462Words in s. 66A(14)(a) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(6) (with Pt. 4)
- F463Words in s. 75A(6)(b) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(7) (with Pt. 4)
- F464Words in s. 77B(9)(c) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(8) (with Pt. 4)
- F465Words in s. 189(1) inserted (20.4.2015 for specified purposes, 21.12.2015 for specified purposes, 21.3.2016 in so far as not already in force) by The Mortgage Credit Directive Order 2015 (S.I. 2015/910), art. 1(5), Sch. 1 para. 2(9) (with Pt. 4)
- F466Words in s. 8(3)(b) inserted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), arts. 1(2)(3)(c), 3(2) (with Pt. 5)
- F467Words in s. 189(1) inserted (17.3.2016 for specified purposes, 21.3.2016 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) Order 2016 (S.I. 2016/392), arts. 1(2)(3)(c), 3(3) (with Pt. 5)
- F468S. 140B(7) repealed (N.I.) (31.10.2016) by Justice Act (Northern Ireland) 2015 (c. 9), s. 106(2), Sch. 1 para. 69(1), Sch. 9 Pt. 1 (with Sch. 8 para. 1); S.R. 2016/387, art. 2(k)(m) (with art. 3)
- F469S. 143(a)(b) repealed (N.I.) (31.10.2016) by Justice Act (Northern Ireland) 2015 (c. 9), s. 106(2), Sch. 1 para. 69(2), Sch. 9 Pt. 1 (with Sch. 8 para. 1); S.R. 2016/387, art. 2(k)(m) (with art. 3)
- F470Words in s. 189(5) 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(60)(d)
- F471S. 78(1A) inserted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 1(a) (with reg. 3)
- F472Word in s. 84(1) substituted (13.1.2018) by The Payment Services Regulations 2017 (S.I. 2017/752), reg. 1(6), Sch. 8 para. 1(b) (with reg. 3)
- F473Words in s. 157(2A)(a) substituted (25.5.2018) by Data Protection Act 2018 (c. 12), s. 212(1), Sch. 19 para. 8(a) (with ss. 117, 209, 210); S.I. 2018/625, reg. 2(1)(g)
- F474Words in s. 159(1)(a) substituted (25.5.2018) by Data Protection Act 2018 (c. 12), s. 212(1), Sch. 19 para. 9 (with ss. 117, 209, 210, Sch. 20 para. 50); S.I. 2018/625, reg. 2(1)(g)
- C73S. 75 modified (29.11.2018 for specified purposes, 1.4.2019 in so far as not already in force) by The Financial Services and Markets Act 2000 (Claims Management Activity) Order 2018 (S.I. 2018/1253), arts. 1(2)(3), 84(4)(5)
- F475S. 140A(6)(7) inserted (retrospective to 4.5.2020) by Business and Planning Act 2020 (c. 16), ss. 12, 25(2)(a)
- F476Words in s. 119(2) substituted (1.12.2020) by Sentencing Act 2020 (c. 17), s. 416(1), Sch. 24 para. 29 (with Sch. 24 para. 447, Sch. 27); S.I. 2020/1236, reg. 2
- F477S. 8(3A) inserted (31.12.2020) by The Financial Services and Markets Act 2000 (Amendment) (EU Exit) Regulations 2019 (S.I. 2019/632), regs. 1(3), 194(3) (as amended S.I. 2020/1301, regs. 1, 3, Sch. para. 33(x)) (with savings in S.I. 2019/680, reg. 11 (as amended by S.I. 2019/1212, regs. 1(3), 22(3)); 2020 c. 1, Sch. 5 para. 1(1)
- F478Words in s. 8(3A) substituted in earlier amending provision S.I. 2019/632, reg. 194(3) (31.12.2020) by The Financial Services and Economic and Monetary Policy (Consequential Amendments) (EU Exit) Regulations 2020 (S.I. 2020/1301), regs. 1, 3, Sch. para. 33(x)
- F479Words in s. 98A(5)(a) substituted (31.1.2020) by The Consumer Credit (Amendment) (EU Exit) Regulations 2018 (S.I. 2018/1038), regs. 1(2), 2(2); 2020 c. 1, Sch. 5 para. 1(1)
- F480Words in s. 157(2A)(a) substituted (31.12.2020) by The Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019 (S.I. 2019/419), reg. 1(2), Sch. 3 para. 4 (with Sch. 3 para. 112); 2020 c. 1, Sch. 5 para. 1(1)
- F481Words in s. 157(2A)(b) substituted (31.1.2020) by virtue of The Consumer Credit (Amendment) (EU Exit) Regulations 2018 (S.I. 2018/1038), regs. 1(2), 2(3); 2020 c. 1, Sch. 5 para. 1(1)
- F482Words in s. 159(1)(a) substituted (31.12.2020) by The Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019 (S.I. 2019/419), reg. 1(2), Sch. 3 para. 5 (with Sch. 3 para. 112); 2020 c. 1, Sch. 5 para. 1(1)
- F483Words in s. 189(1) omitted (31.12.2020) by virtue of The Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019 (S.I. 2019/419), reg. 1(2), Sch. 3 para. 6(a) (with Sch. 3 para. 112); 2020 c. 1, Sch. 5 para. 1(1)
- F484Words in s. 189(1) inserted (31.12.2020) by The Data Protection, Privacy and Electronic Communications (Amendments etc) (EU Exit) Regulations 2019 (S.I. 2019/419), reg. 1(2), Sch. 3 para. 6(b) (with Sch. 3 para. 112); 2020 c. 1, Sch. 5 para. 1(1)
- F485Words in s. 98A(5)(a) substituted (1.1.2024) by The Retained EU Law (Revocation and Reform) Act 2023 (Consequential Amendment) Regulations 2023 (S.I. 2023/1424), reg. 1(2), Sch. para. 9(2)(a)
- F486Words in s. 157(2A)(b) substituted (1.1.2024) by The Retained EU Law (Revocation and Reform) Act 2023 (Consequential Amendment) Regulations 2023 (S.I. 2023/1424), reg. 1(2), Sch. para. 9(2)(b)
- F487S. 17(1)(a) substituted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(2)
- F488Words in s. 55(1) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(3)
- F489S. 55C(6) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(4)
- F490Words in s. 60(1) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(5)
- F491S. 61(5) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(6)
- F492S. 61A(7A) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(7)
- F493S. 76(7) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(8)
- F494Words in s. 77(5) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(9)
- F495Words in s. 77A(8) substituted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(10)
- F496S. 77B(11) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(11)
- F497Words in s. 82(7) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(12)
- F498S. 86B(11A) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(13)
- F499Words in s. 86E(8) substituted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(14)
- F500S. 87(6) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(15)
- F501S. 97(4) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(16)
- F502S. 97A(3) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(17)
- F503S. 98(7) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(18)
- F504Words in s. 103(4) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(19)
- F505S. 129(1)(bza) inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(20)
- F506Words in s. 189 inserted (15.7.2025 for specified purposes) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(21)