Digital Markets, Competition and Consumers Act 2024

• (c) in sub-paragraph (10) for the words from “which—” to the end substitute “which is a private designated enforcer for the purposes of Chapter 3 of Part 3 of the Digital Markets, Competition and Consumers Act 2024 (see section 151(2) of that Act)”.

• (7) In the heading to Part 4 (before paragraph 19), for “Schedule 13” substitute “authorised”.

• (8) In the heading before paragraph 20, for “Schedule 13” substitute “authorised”.

• (9) In paragraph 20—

• (a) in sub-paragraph (1) for “a Schedule 13” substitute “an authorised”;

• (b) in sub-paragraph (2)—

• (i) for “a Schedule 13”, where it first occurs, substitute “an authorised”;

• (ii) for the words from “Part 8” to the end substitute “Chapter 3 or 4 of Part 3 of the Digital Markets, Competition and Consumers Act 2024”;

• (c) in sub-paragraph (3)—

• (i) in the opening words, for “Schedule 13” substitute “authorised”;

• (ii) in paragraph (a), for “Schedule 13” substitute “relevant”;

• (iii) in paragraph (c), for “section 217(9) or 218(10) of the Enterprise Act 2002” substitute “section 156(2)(b) or section 159(2)(b) of the Digital Markets, Competition and Consumers Act 2024”;

• (iv) in paragraph (d), for “section 219” substitute “section 163”;

• (d) in sub-paragraph (3A)—

• (i) in the opening words, for “A Schedule 13” substitute “An authorised”;

• (ii) in paragraph (b) for “Part 8 of the Enterprise Act 2002” substitute “Chapter 3 or 4 of Part 3 of the Digital Markets, Competition and Consumers Act 2024”;

• (e) in sub-paragraph (4)—

• (i) in the opening words, for “A Schedule 13” substitute “An authorised”;

• (ii) in paragraph (b) for “Part 8 of the Enterprise Act 2002” substitute “Chapter 3 or 4 of Part 3 of the Digital Markets, Competition and Consumers Act 2024”;

• (f) in sub-paragraph (5)—

• (i) in the opening words, for “A Schedule 13” substitute “An authorised”;

• (ii) in paragraph (a) for “Schedule 13” substitute “relevant”;

• (iii) in paragraph (b) for “Part 8 of the Enterprise Act 2002” substitute “Chapter 3 or 4 of Part 3 of the Digital Markets, Competition and Consumers Act 2024”;

• (g) in sub-paragraph (6)—

• (i) for “A Schedule 13” substitute “An authorised”;

• (ii) for “Part 8 of the Enterprise Act 2002” substitute “Chapter 3 or 4 of Part 3 of the Digital Markets, Competition and Consumers Act 2024”;

• (h) after sub-paragraph (6) insert—

(7) Each of the following is an “authorised enforcer” for the purposes of this Part of this Schedule— (a) the Competition and Markets Authority; (b) the Civil Aviation Authority; (c) the Financial Conduct Authority; (d) the Secretary of State; (e) the Department of Health in Northern Ireland; (f) the Office of Communications; (g) the Department for the Economy in Northern Ireland; (h) every local weights and measures authority in Great Britain; (i) an enforcement authority within the meaning of section 120(15) of the Communications Act 2003; (j) the Information Commissioner; (k) the Department for Infrastructure in Northern Ireland; (l) the Maritime and Coastguard Agency; (m) the Office of Rail and Road; (n) the Office for the Traffic Commissioner. (8) In this paragraph “relevant infringement” means an act or omission which is a relevant infringement for the purposes of Chapter 3 of Part 3 of the Digital Markets, Competition and Consumers Act 2024 by virtue of contravening an enactment listed in paragraph 20A of this Schedule.

• (10) After paragraph 20 insert—

(20A) The enactments referred to in paragraph 20(8) are the following— - Sections 9 to 11 of the Supply of Goods (Implied Terms) Act 1973, to the extent that those sections continue to apply to a contract for a trader to supply goods to a consumer by virtue of the saving made, in connection with their amendment by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - The Consumer Credit Act 1974 and secondary legislation made under that Act excluding requirements relating to consumer hire agreements. - Sections 6(2), 7(1), 7(2), 20(2), 21 and 27(2) of the Unfair Contract Terms Act 1977, to the extent that those sections remain in force, or continue to apply to a consumer contract, by virtue of the saving made, in connection with their repeal or disapplication by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Sections 13 to 15, 15B, 20 and 32 of the Sale of Goods Act 1979, to the extent that those sections continue to apply to a contract for a trader to supply goods to a consumer by virtue of the saving made, in connection with their amendment by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Sections 48A to 48F of the Sale of Goods Act 1979, to the extent that those sections remain in force by virtue of the saving made, in connection with their repeal by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Sections 3 to 5, 11C to 11E and 13 of the Supply of Goods and Services Act 1982, and any rule of law in Scotland which provides comparable protection to section 13, to the extent that those sections continue to apply to a contract for a trader to supply goods or, in the case of section 13, a contract for a trader to supply a service, to a consumer by virtue of the saving made, in connection with their amendment by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Sections 11M to 11S of the Supply of Goods and Services Act 1982 to the extent that those sections remain in force by virtue of the saving made, in connection with their repeal by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - The Package Travel, Package Holidays and Package Tours Regulations 1992, to the extent that those Regulations remain in force by virtue of the saving made, in connection with their revocation, by regulation 37(2) of the Package Travel and Linked Travel Arrangements Regulations 2018. - The Unfair Terms in Consumer Contracts Regulations 1999, to the extent that those Regulations remain in force by virtue of the saving made, in connection with their revocation by this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Rules made under sections 137A, 137R and 137T of the Financial Services and Markets Act 2000 which give effect to Articles 10, 11, 13 to 18 and 21 to 23, Chapter 10 and Annexes I and II of Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property. - The Consumer Protection (Distance Selling) Regulations 2000, to the extent that those Regulations remain in force for contracts entered into prior to their disapplication by virtue of regulation 2(a) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. - Sections 319, 321, 322, 325, 368F, 368G and 368H of the Communications Act 2003. - Regulations 6, 7, 8, 9 and 11 of the Electronic Commerce (EC Directive) Regulations 2002. - Regulation 15 of the Sale and Supply of Goods to Consumers Regulations 2002, to the extent that regulation 15 remains in force by virtue of the saving made, in connection with its revocation by the this Act, by Article 6 of the Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015. - Regulations 19 to 26, 30 and 32 of the Privacy and Electronic Communications (EC Directive) Regulations 2003. - The Price Marking Order 2004. - Regulation (EC) No 261/2004 of the European Parliament and of the Council of 11 February 2004 establishing common rules on compensation and assistance to air passengers in the event of denied boarding and of cancellation or long delay of flights. - The Financial Services (Distance Marketing) Regulations 2004 and rules corresponding to any provisions of those Regulations made by the Financial Conduct Authority or a designated professional body within the meaning of section 326(2) of the Financial Services and Markets Act 2000. - The Price Marking Order (Northern Ireland) 2004. - The Civil Aviation (Denied Boarding, Compensation and Assistance) Regulations 2005. - Regulation (EC) No 1107/2006 of the European Parliament and of the Council of 5 July 2006 concerning the rights of disabled persons and persons with reduced mobility when travelling by air. - Regulation (EC) No 1371/2007 of the European Parliament and of the Council of 23 October 2007 on rail passengers’ rights and obligations. - Regulations 2, 4, 13, 15 and 18 of the Business Protection from Misleading Marketing Regulations 2008. - The Consumer Protection from Unfair Trading Regulations 2008. - The Cancellation of Contracts made in a Consumer’s Home or Place of Work etc. Regulations 2008, to the extent that those Regulations remain in force for contracts entered into prior to their disapplication by regulation 2(b) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. - Article 23 of Regulation (EC) No 1008/2008 of the European Parliament and of the Council of 24 September 2008 on common rules for the operation of air services in the Community. - The Provision of Services Regulations 2009. - The Rail Passengers’ Rights and Obligations Regulations 2010. - Regulation (EU) No 1177/2010 of the European Parliament and of the Council of 24 November 2010 concerning the rights of passengers when travelling by sea and inland waterway. - The Timeshare, Holiday Products, Resale and Exchange Contracts Regulations 2010. - Regulation (EU) No 181/2011 of the European Parliament and of the Council of 16 February 2011 concerning the rights of passengers in bus and coach transport and amending Regulation (EC) No 2006/2004. - Chapters 1 and 2 of Part 14 of the Human Medicines Regulations 2012. - Regulations 4 and 6A to 10 of the Consumer Rights (Payment Surcharges) Regulations 2012. - The Merchant Shipping (Passengers’ Rights) Regulations 2013. - The Operation of Air Services in the Community (Pricing etc.) Regulations 2013. - The Rights of Passengers in Bus and Coach Transport (Exemptions and Enforcement) Regulations 2013. - The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. - The Bus and Coach Passengers Rights and Obligations (Designation and Enforcement) Regulations (Northern Ireland) 2014. - The Bus and Coach Passengers Rights and Obligations (Designation of Terminals, Tour Operators and Enforcement) Regulations (Northern Ireland) 2014. - The Civil Aviation (Access to Air Travel for Disabled Persons and Persons with Reduced Mobility) Regulations 2014. - Regulation 19(1) and (2) of the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015. - Sections 2, 3, 5, 9 to 15, 19, 23, 24, 28 to 32, 36(3) and (4), 37, 38, 42, 50, 54, 58, 59, 61 to 64, 67 to 70, 72 to 74 of, and Schedules 2 and 3 and Part 3 of Schedule 5 to, this Act. - Article 10(4) of Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions. - Parts 2 and 3 and regulations 18, 19, 20(1), 20(3) to 20(5), 21 to 25, 27(2) and 27(3) of, and Schedules 1 to 6 to, the Payment Accounts Regulations 2015. - The Rail Passengers Rights and Obligations (Designation and Enforcement) Regulations (Northern Ireland) 2017. - The Package Travel and Linked Travel Arrangements Regulations 2018. - Part 4 of the Digital Markets, Competition and Consumers Act 2024.

• (11) In paragraph 32, in sub-paragraph (3)—

• (a) in paragraph (b)—

• (i) for “a Schedule 13 enforcer” substitute “an authorised enforcer”;

• (ii) for “Schedule 13 infringement” substitute “relevant infringement (as defined by paragraph 20(8))”;

• (b) in paragraph (c) for “a Schedule 13 enforcer” substitute “an authorised enforcer”.

• (12) In paragraph 41, in sub-paragraph (4)—

• (a) in the opening words, for “a Schedule 13 enforcer” substitute “an authorised enforcer for the purposes of Part 4 of this Schedule (see paragraph 20(7))”;

• (b) in paragraph (a) for “Schedule 13 infringement” substitute “relevant infringement (as defined by paragraph 20(8))”.

• (13) In paragraph 45, in sub-paragraph (1), for paragraph (a) substitute—

(a) Chapter 3 of Part 3 of the Digital Markets, Competition and Consumers Act 2024,

.

Schedule 19

Interpretation

1

In this Schedule—

• “commencement date” means the date on which section 153 comes into force;

• “continuing conduct” means an act or omission of a person that— takes place before the commencement date, and is repeated, or continues to take place, on or after that date;

• “enforcement action”— in relation to the new law, means proceedings or other steps taken by virtue of a power conferred under the new law, and in relation to the old law, means proceedings or other steps taken by virtue of a power conferred under the old law;

• “the new law” means Chapters 3 and 4 of Part 3 (and any provisions of law relating to those Chapters, including Schedule 5 to CRA 2015 as amended by this Act);

• “the old law” means— Part 8 of EA 2002, as that Part had effect immediately before the commencement date, and any provisions of law (including in particular Schedule 5 to CRA 2015) relating to Part 8 of EA 2002, as those provisions had effect immediately before the commencement date.

General rules

2

• (1) The old law continues to apply—

• (a) in respect of conduct of a person that takes place before the commencement date;

• (b) for the purposes of the taking of enforcement action relating to a breach of an order made by, or undertaking given to, the court under the old law;

• (c) in a case where proceedings before a court under the old law have been started against a person before the commencement date, for the purposes of the continuation and completion of those proceedings (including any appeals relating to the proceedings).

• (2) In sub-paragraph (1)(c) the reference to proceedings being started against a person is a reference to an application being made against the person under section 215 or 218ZA of EA 2002.

• (3) This paragraph is subject to—

• (a) paragraph 3, which makes rules for cases involving continuing conduct, and

• (b) paragraph 4, which makes rules for cases involving breach of undertakings given to enforcers.

Rules applicable to continuing conduct

3

• (1) This paragraph applies where conduct of a person is continuing conduct.

• (2) The new law applies in respect of the person’s post-commencement conduct.

• (3) The new law also applies in respect of the person’s pre-commencement conduct for the purposes of enabling the taking of enforcement action under Chapter 3 or 4 of Part 3 in relation to that conduct.

• (4) Where the new law applies by virtue of sub-paragraph (3), a requirement under Chapter 3 or (as the case may be) Chapter 4 may be imposed on a person in respect of the relevant infringement in relation to which the enforcement action is taken only if a requirement of a corresponding kind could have been imposed on the person under the old law (and accordingly a monetary penalty, in particular, may not be imposed on the person).

• (5) In applying the new law in accordance with this paragraph in respect of a person’s post-commencement conduct, regard may be had to, and findings of fact or law may be made in respect of, the person’s pre-commencement conduct so far as necessary or appropriate for the purposes of determining any matter that falls to be determined in the application of the new law.

• (6) In this paragraph—

• “post commencement conduct” means so much of a person’s continuing conduct as takes place on or after the commencement date;

• “pre-commencement conduct” means so much of a person’s continuing conduct as takes place before the commencement date.

Rules applicable to undertakings given to enforcers under the old law

4

• (1) This paragraph applies where an enforcer has accepted an undertaking from a person under the old law.

• (2) Enforcement action in respect of a person’s breach of the undertaking, whether the breach takes place before, on or after the commencement date, may be taken only under the old law.

• (3) Sub-paragraph (4) applies where a breach of the undertaking—

• (a) takes place (to any extent) on or after the commencement date, and

• (b) it appears to an enforcer that the act or omission comprising the breach, so far as taking place on or after that date—

• (i) is also a commercial practice which constitutes a relevant infringement under the new law, or

• (ii) is carried out by a person who is an accessory under the new law to such a commercial practice.

• (4) Enforcement action in respect of the act or omission may be taken—

• (a) under the new law, or

• (b) if the act or omission would also be a domestic or Schedule 13 infringement for the purposes of the old law, under the old law.

• (5) It is for the enforcer concerned to determine whether to take enforcement action under the new law or the old law in accordance with sub-paragraph (4).

• (6) A breach of an undertaking that first takes place before the commencement date is to be treated for the purposes of this paragraph as also taking place on or after that date if the act or omission comprising the breach is repeated or continued on or after that date.

Information notices under Schedule 5 to CRA 2015

5

• (1) The amendments made by paragraph 2(3) of Schedule 17 (which insert new paragraphs 16A to 16J into Schedule 5 to CRA 2015) have effect only in relation to an information notice given on or after the commencement date.

• (2) In sub-paragraph (1) “information notice” means a notice given under paragraph 14 of Schedule 5 to CRA 2015.

Further provision

6

Nothing in this Schedule limits the power under section 339(5) to make further transitional and saving provision in connection with the coming into force of the new law.

Schedule 20

1

Claiming to be a signatory to a code of conduct when the trader is not.

2

Claiming that a code of conduct has an endorsement from a public or private body which it does not have.

3

Displaying a trust mark, quality mark or equivalent without having obtained the necessary authorisation.

4

Claiming that a trader, a trader’s commercial practice, or a product has been approved, endorsed or authorised by a public or private body when—

• (a) the claim is false, or

• (b) the terms of the approval, endorsement or authorisation have not been, or are not being, complied with.

5

• (1) Making an invitation to purchase products at a specified price where—

• (a) the trader has reasonable grounds for believing that it will not be possible for the trader to offer those products, or equivalent products, for supply at that price, in reasonable quantities, for a reasonable period of time (or to procure another trader to do so), and

• (b) the trader does not disclose that fact.

• (2) In sub-paragraph (1), the references to reasonable quantities and a reasonable period of time are references to what is reasonable having regard to—

• (a) the nature of the product,

• (b) the extent of advertising for the product, and

• (c) the price offered for the product.

6

Making an invitation to purchase products at a specified price and then—

• (a) refusing to show the advertised item to consumers,

• (b) refusing to take orders for it or deliver it within a reasonable time, or

• (c) demonstrating a defective sample of it,

with the intention of promoting a different product.

7

Falsely stating that a product will only be available for a limited time, or that it will only be available on particular terms for a limited time, in order to elicit an immediate decision and deprive consumers of sufficient opportunity or time to make an informed choice.

8

Undertaking to provide an after-sales service to consumers and then making such service available only in a language which is different to the language used in communication with the consumer for, or prior to, the transaction without clearly disclosing this to the consumer before the consumer committed to the transaction.

9

Falsely claiming or creating the false impression that an after-sales service is available, including falsely claiming that it is available in, or accessible from, any particular country or location.

10

Stating or otherwise creating the impression that a product can be legally sold when it cannot.

11

Presenting rights given to consumers by law as a distinctive feature of the trader’s offer.

12

Using editorial content in the media to promote a product where a trader has paid for the promotion without making that clear in the content or by images or sounds clearly identifiable by the consumer.

13

• (1) Submitting, or commissioning another person to submit or write—

• (a) a fake consumer review, or

• (b) a consumer review that conceals the fact it has been incentivised.

• (2) Publishing consumer reviews, or consumer review information, in a misleading way.

• (3) Publishing consumer reviews, or consumer review information, without taking such reasonable and proportionate steps as are necessary for the purposes of—

• (a) preventing the publication of—

• (i) fake consumer reviews,

• (ii) consumer reviews that conceal the fact they have been incentivised, or

• (iii) consumer review information that is false or misleading, and

• (b) removing any such reviews or information from publication.

• (4) Offering services to traders—

• (a) for the doing of anything covered by sub-paragraph (1) or (2);

• (b) for the facilitating of anything covered by sub-paragraph (1) or (2) to be done.

• (5) For the purposes of this paragraph—

• (a) “consumer review” means a review of a product, a trader or any other matter relevant to a transactional decision;

• (b) “fake consumer review” means a consumer review that purports to be, but is not, based on a person’s genuine experience;

• (c) a consumer review conceals the fact it has been incentivised if—

• (i) a person has been commissioned to submit or write the review, and

• (ii) that fact is not made apparent (whether through the contents of the review or otherwise);

• (d) “consumer review information” means information that is derived from, or is influenced by, consumer reviews;

• (e) a person “submits” a review or information if they supply it with a view to publication;

• (f) “writing” includes creating by any means;

• (g) “commissioning” includes incentivising by any means (and “commissioned” is to be read accordingly);

• (h) “publishing” includes disseminating, or otherwise making available, by any means;

• (i) publishing in a “misleading way” includes (for example)—

• (i) failing to publish, or removing from publication, negative consumer reviews whilst publishing positive ones (or vice versa);

• (ii) giving greater prominence to positive consumer reviews over negative ones (or vice versa);

• (iii) omitting information that is relevant to the circumstances in which a consumer review has been written (including that a person has been commissioned to write the review).

14

Making a materially inaccurate claim concerning the nature and extent of the risk to the personal security or safety of the consumer, a member of the consumer’s family or anyone living in the consumer’s home, if the consumer does not purchase the product.

15

Promoting a product similar to a product made by a particular manufacturer in such a manner as deliberately to mislead the consumer into believing that the product is made by that same manufacturer when it is not.

16

• (1) Establishing, operating or promoting a pyramid promotional scheme.

• (2) In sub-paragraph (1), a pyramid promotional scheme means a scheme where a consumer gives consideration for the opportunity to receive compensation that is derived primarily from the introduction of other consumers into the scheme rather than from the supply or consumption of products.

17

Claiming that the trader is about to cease trading or move premises when the trader is not.

18

Claiming that products are able to facilitate winning in games of chance.

19

• (1) Falsely claiming that a product is able to—

• (a) prevent or treat disease or a malformation,

• (b) restore, correct or modify a physiological function, or

• (c) modify a person’s appearance.

• (2) For the purposes of sub-paragraph (1), “disease” includes any injury, ailment or adverse condition, whether of body or mind.

20

Providing (including passing on) materially inaccurate information about market conditions or about the availability of the product with the intention of inducing the consumer to acquire the product under conditions that are less favourable than normal market conditions.

21

Claiming to offer a competition or prize promotion without awarding the prizes described or a reasonable equivalent.

22

Creating the false impression that the consumer has already won, will win, or will on doing a particular act win, a prize or other equivalent benefit, when in fact either—

• (a) there is no prize or other equivalent benefit, or

• (b) taking any action in relation to claiming the prize or other equivalent benefit requires the consumer to pay money or incur a cost.

23

Describing a product as “gratis”, “free”, “without charge” or similar if the consumer has to pay anything other than the unavoidable cost of responding to the commercial practice and collecting or paying for delivery of the item.

24

Including in marketing material an invoice or similar document seeking payment which gives the consumer the impression that the consumer has already ordered the marketed product when the consumer has not.

25

Falsely claiming or creating the false impression that the trader is not acting for purposes relating to the trader’s business or falsely representing oneself as a consumer.

26

Creating the impression that the consumer cannot leave the premises until a contract is formed.

27

Ignoring a request from a consumer to leave or not return to the consumer’s home except in circumstances and to the extent justified to enforce a contractual obligation.

28

Making persistent and unwanted solicitations by any means, other than by attending at the consumer’s home, except in circumstances and to the extent justified to enforce a contractual obligation.

29

Requiring a consumer who wishes to claim on an insurance policy to produce documents which could not reasonably be considered relevant as to whether the claim was valid, or failing systematically to respond to correspondence, in order to dissuade a consumer from exercising the consumer’s contractual rights.

30

Including in an advertisement a direct appeal to children to buy advertised products or persuade their parents or other adults to buy advertised products for them.

31

Supplying products to a consumer that have not been requested by the consumer and demanding that the consumer—

• (a) pays for the products,

• (b) returns the products, or

• (c) safely stores the products.

32

Explicitly telling a consumer that if the consumer does not buy the product, the trader’s job or livelihood will be at risk.

Schedule 21

Administration of Justice Act 1970 (c. 31)

1

In section 40(3A) of the Administration of Justice Act 1970 (punishment for unlawful harassment of debtors), for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Trade Descriptions Act 1968 (c. 29)

2

In section 12(3) of the Trade Descriptions Act 1968 (false representations as to royal approval or award, etc.) for the words from “and” to “2008” substitute “has the same meaning as in Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024 and, for the purposes of this section, a commercial practice is unfair if it would be unfair for the purposes of that Chapter”.

Hallmarking Act 1973 (c. 43)

3

In section 1 of the Hallmarking Act 1973 (prohibited descriptions of unhallmarked articles)—

• (a) in subsection (4C) for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”;

• (b) in subsection (4D) for the words from “satisfying” to “action)” substitute “an unfair commercial practice involving a misleading action for the purposes of that Chapter”.

Prescription and Limitation (Scotland) Act 1973 (c. 52)

4

In paragraph 1 of Schedule 1 to the Prescription and Limitation (Scotland) Act 1973 for paragraph (af) substitute—

(af) to any obligation arising by virtue of rights of redress under Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024;

.

Companies Act 1985 (c. 6)

5

In paragraph 17 of Schedule 15D to the Companies Act 1985 (disclosures), omit sub-paragraph (k).

Copyright, Designs and Patents Act 1988 (c. 48)

6

• (1) The Copyright, Designs and Patents Act 1988 is amended as follows.

• (2) In section 114A(2)(bb) (forfeiture of infringing copies, etc.: England and Wales or Northern Ireland) for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (3) In section 114B(15) (forfeiture of infringing copies, etc.: Scotland), in paragraph (d) in the definition of “relevant offence”, for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (4) In section 204A(2)(bb) (forfeiture of illicit recordings: England and Wales or Northern Ireland), for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (5) In section 204B(15) (forfeiture of illicit recordings: Scotland), in paragraph (d) in the definition of “relevant offence” for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (6) In section 297C(2)(bb) (forfeiture of unauthorised decoders: England and Wales or Northern Ireland) for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (7) In section 297D(15) (forfeiture of unauthorised decoders: Scotland), in paragraph (d) in the definition of “relevant offence” for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Trade Marks Act 1994 (c. 26)

7

• (1) The Trade Marks Act 1994 is amended as follows.

• (2) In section 91 (power of commissioners for revenue and customs to disclose information), for paragraph (d) substitute—

(d) Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024.

• (3) In section 97(8)(d) (forfeiture; England and Wales or Northern Ireland) for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (4) In section 98(14) (forfeiture; Scotland), in paragraph (d) in the definition of “relevant offence” for “the Consumer Protection from Unfair Trading Regulations 2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Enterprise Act 2002 (c. 40)

8

In EA 2002—

• (a) in Schedule 14 (provisions about disclosure of information) at the appropriate place insert—

• Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024.

;

• (b) in Schedule 15 (enactments conferring functions) at the appropriate place insert—

• Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024.

Licensing Act 2003 (c. 17)

9

In paragraph 23 of Schedule 4 to the Licensing Act 2003 (personal licence: relevant offences), for the words from “regulation” to “2008” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Companies Act 2006 (c. 46)

10

In paragraph 25 of Part 2 of Schedule 2 to the Companies Act 2006 (specified descriptions of disclosures), omit paragraph (j).

Regulatory Enforcement and Sanctions Act 2008 (c. 13)

11

In Schedule 3 to the Regulatory Enforcement and Sanctions Act 2008 (enactments specified for the purposes of Part 1), at the appropriate place insert—

• Digital Markets, Competition and Consumers Act 2024, Chapter 1 of Part 4.

Consumer Rights Act 2015 (c. 15)

12

• (1) Schedule 5 to the CRA 2015 (investigatory powers: enforcer’s legislation) is amended as follows.

• (2) In paragraph 10—

• (a) omit “regulation 19(1) or (1A) of the Consumer Protection from Unfair Trading Regulations 2008 (SI 2008/1277);”;

• (b) at the appropriate place insert—

• section 231(1), (2) or (3) of the Digital Markets, Competition and Consumers Act 2024.

• (3) In paragraph 18(b) for “the Consumer Protection from Unfair Trading Regulations 2008 (SI 2008/1277)” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Online Safety Act 2023 (c. 50)

13

• (1) The Online Safety Act 2023 is amended as follows.

• (2) In section 59(6) (“illegal content” etc) for “the Consumer Protection from Unfair Trading Regulations 2008 (SI 2008/1277)” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (3) In section 74(3) (interpretation of Chapter)—

• (a) in paragraph (b) for “the Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277)” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”;

• (b) in paragraph (c) for “those Regulations (see regulation 19 of those Regulations)” substitute “that Chapter (see section 231 of that Act).

• (4) In section 218(3)(b) (power to amend section 40) for “the Consumer Protection from Unfair Trading Regulations 2008 (SI 2008/1277)” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

• (5) In section 222(6)(b) (power to amend Schedule 7) for “the Consumer Protection from Unfair Trading Regulations 2008 (SI 2008/1277)” substitute “Chapter 1 of Part 4 of the Digital Markets, Competition and Consumers Act 2024”.

Schedule 22

Utilities

1

• (1) A contract between an electricity supplier and a consumer for the supply of electricity to any premises.

• (2) A contract between a gas supplier and a consumer for the supply of gas to any premises.

• (3) A contract between a heat supplier and a consumer for the supply of heating, cooling or hot water by means of a relevant heat network.

• (4) In England and Wales, a contract between a licensed water supplier, or licensed sewerage supplier, and a consumer for the supply of water or sewerage services.

• (5) In Scotland, a contract between a licensed water supplier, or licensed sewerage supplier, and a consumer for the supply of water or sewerage services.

• (6) In Northern Ireland—

• (a) a contract between a water undertaker and a consumer for the supply of water pursuant to Article 94 of the Water and Sewerage Services (Northern Ireland) Order 2006 (S.I. 2006/3336 (N.I. 21));

• (b) a contract between a sewerage undertaker and a consumer for the supply of sewerage services pursuant to Chapter 3 of Part 6 of that Order.

• (7) In this paragraph—

• “electricity supplier” means a person who is authorised to supply electricity— by a licence under Part 1 of the Electricity Act 1989 or Part 2 of the Electricity (Northern Ireland) Order 1992 (S.I. 1992/231 (N.I. 1)), by virtue of an exemption granted under the Electricity (Class Exemptions from the Requirement for a Licence) Order 2001 (S.I. 2001/3270), or by virtue of an exemption granted under the Electricity (Class Exemptions from the Requirement for a Licence) Order (Northern Ireland) 2013 (S.I. 2013/93 (N.I. 1));

• “gas supplier” means a person who is authorised to supply gas— by a licence under Part 1 of the Gas Act 1986 or Part 2 of the Gas (Northern Ireland) Order 1996 (S.I. 1996/275 (N.I. 2)), or by virtue of the exemption in paragraph 1 of Schedule 2A to the Gas Act 1986;

• “heat supplier” means a person who is authorised to supply heating, cooling or hot water by an authorisation conferred under regulations made under Chapter 1 of Part 8 of the Energy Act 2023;

• “licensed sewerage supplier” means— in relation to England and Wales, a sewerage licensee within the meaning of the Water Industry Act 1991; in relation to Scotland, a person supplying sewerage services under a sewerage services licence within the meaning of the Water Services etc. (Scotland) Act 2005 (asp 3);

• “licensed water supplier” means— in relation to England and Wales, a water supply licensee within the meaning of the Water Industry Act 1991; in relation to Scotland, a person supplying water under a water services licence within the meaning of the Water Services etc. (Scotland) Act 2005;

• “relevant heat network” has the same meaning as in Chapter 1 of Part 8 of the Energy Act 2023;

• “sewerage undertaker” and “water undertaker” have the same meanings as in the Water and Sewerage Services (Northern Ireland) Order 2006.

Insurance and financial services

2

A contract for services of a banking, credit, insurance, personal pension, investment or payment nature.

Medical prescriptions etc.

3

• (1) A contract for the supply of goods, services or digital content where the supply—

• (a) is made for purposes relating to the prevention, diagnosis or treatment of illness, or otherwise relating to a person’s physical or mental health, and

• (b) is—

• (i) made under, or in connection with, a prescription or directions given by a prescriber, or

• (ii) of a medicinal product which is administered by a prescriber.

• (2) In sub-paragraph (1)—

• “illness” means physical or mental illness;

• “medicinal product” has the meaning given by regulation 2(1) of the Human Medicines Regulations 2012 (S.I. 2012/ 1916);

• “prescriber”— in relation to a prescription or directions given, or a medicinal product administered, in England, has the meaning given by regulation 2(1) of the National Health Service (Pharmaceutical and Local Pharmaceutical Services) Regulations 2013 (S.I. 2013/349); in relation to a prescription or directions given, or a medicinal product administered, in Wales, has the meaning given by regulation 2 of the National Health Service (Pharmaceutical Services) (Wales) Regulations 2020 (S.I 2020/1073 (W. 241); in relation to a prescription or directions given, or a medicinal product administered, in Scotland, has the meaning given by regulation 2 of the National Health Service (Pharmaceutical Services) (Scotland) Regulations 2009 (S.S.I. 2009/183) but as if that definition included “a dentist”; in relation to a prescription or directions given, or a medicinal product administered in Northern Ireland, has the meaning given by the Pharmaceutical Services Regulations (Northern Ireland) 1997 (S.R. (N.I.) 1997 No. 381).

4

• (1) A contract for the supply of goods, services or digital content by a health care professional or a person included in a relevant list in circumstances where—

• (a) the supply of goods, services or digital content is under arrangements for the supply of services as part of the health service, and

• (b) the goods, services or digital content are, at least in some circumstances, supplied under such arrangements free of charge or on prescription.

• (2) In sub-paragraph (1)—

• “health care professional” means a member of a profession which is regulated by— a body mentioned in section 25(3) of the National Health Service Reform and Health Care Professions Act 2002 but as if subsection (3A) of that section were omitted; Social Care Wales; the Scottish Social Services Council; the Northern Ireland Social Care Council;

• “health service” means the health service or system of health care continued under— section 1(1) of the National Health Service Act 2006; section 1(1) of the National Health Service (Wales) Act 2006; section 1(1) of the National Health Service (Scotland) Act 1978; section 2(1) of the Health and Social Care (Reform) Act (Northern Ireland) 2009;

• “relevant list” means— in relation to arrangements which are part of the health service in England— a relevant list for the purposes of the National Health Service (Pharmaceutical and Local Pharmaceutical Services) Regulations 2013 (S.I. 2013/349) (see regulation 2(1)); a list maintained under those Regulations; in relation to arrangements which are part of the health service in Wales— a relevant list for the purposes of the National Health Service (Pharmaceutical Services) (Wales) Regulations 2020 (S.I 2020/1073 (W. 241); a list maintained under those Regulations; in relation to arrangements which are part of the health service in Scotland— the pharmaceutical list prepared under regulation 5 of the National Health Service (Pharmaceutical Services) (Scotland) Regulations 2009 (S.S.I. 2009/183); the provisional pharmaceutical list prepared under regulation 8 of those Regulations; the primary medical services performers list prepared under regulation 4 of the National Health Service (Primary Medical Services Performers List) (Scotland) Regulations 2004 (S.S.I. 2004/114); the dental list prepared under regulation 4 of the National Health Service (General Dental Services) (Scotland) Regulations (S.S.I 2010/208); in relation to arrangements which are part of the health service in Northern Ireland, the pharmaceutical list prepared under regulation 6 of the Pharmaceutical Services Regulations (Northern Ireland) 1997 (S.R. (N.I.) 1997 No. 381).

Contracts regulated by OFCOM

5

A contract for the supply of goods, services or digital content by a person who is bound, in relation to that supply, by a general condition set by OFCOM under section 45 of the Communications Act 2003.

6

• (1) A contract for the supply of a premium rate service by a person who is bound, in relation to the supply of that service, by conditions set by OFCOM under section 120 of the Communications Act 2003.

• (2) In sub-paragraph (1), “premium rate service” has the meaning given by section 120(7) of the Communications Act 2003.

7

In paragraphs 5 and 6, “OFCOM” means the Office of Communications.

Rent of residential accommodation

8

A contract under which accommodation is rented for residential purposes.

Delivery of foodstuffs etc. by micro-entity

9

• (1) A contract between a trader whose business is a micro-entity and a consumer for the supply of foodstuffs, beverages or other goods intended for current consumption in the household where the condition in sub-paragraph (2) or (3) is met.

• (2) The condition is that the foodstuffs, beverages or other goods—

• (a) are to be supplied by way of a frequent or regular delivery to the consumer’s home, residence or workplace, and

• (b) are not to be delivered wholly or mainly by a third party.

• (3) The condition is that the foodstuffs, beverages or other goods are to be supplied by way of the consumer collecting the goods from the trader’s business premises.

• (4) For the purposes of sub-paragraph (1), a business is a micro-entity in each financial year, other than its first financial year, that the condition in sub-paragraph (5) or (6) is met in relation to the business.

• (5) The condition in this sub-paragraph is met if—

• (a) the business is carried on by a company, and

• (b) the company qualified as a micro-entity in accordance with section 384A of the Companies Act 2006 in relation to the preceding financial year.

• (6) The condition in this sub-paragraph is met if—

• (a) the business is not carried on by a company, but

• (b) if the business had been carried on by a company, the company would have qualified as a micro-entity in accordance with that section in relation to the preceding financial year.

• (7) In the first financial year of a business, the business is a micro-entity for the purposes of sub-paragraph (1) if (and for so long as) the person carrying on the business believes on reasonable grounds that the person will qualify as a micro-entity in accordance with section 384A of the Companies Act 2006 in relation to that financial year (or would do so if the person were a company).

• (8) For the purposes of sub-paragraph (2)(b) goods are delivered by a third party if they are delivered by a person acting for purposes relating to a business other than the trader’s business.

• (9) In this paragraph—

• “company” has the same meaning as in the Companies Act 2006 (see section 1 of that Act);

• “financial year”— in relation to a business which is carried on by a company, means the company’s financial year in accordance with sections 390 to 392 of that Act; in relation to a business which is not carried on by a company, means a year, beginning on 6 April and ending on the following 5 April;

• “first financial year”— in relation to a business which is carried on by a company, means the company’s first financial year in accordance with sections 390 to 392 of the Companies Act 2006; in relation to a business which is not carried on by a company, means the first financial year in which the business begins trading.

Package holidays etc

10

A package travel contract within the meaning of the Package Travel and Linked Travel Arrangements Regulation 2018 (S.I. 2018/634).

Timeshares etc

11

A contract which is a regulated contract within the meaning of the Timeshare, Holiday Products Resale and Exchange Contracts 2010 (S.I. 2010/2960).

Childcare (including school age education)

12

• (1) A contract for the supply of goods, services or digital content for, or in connection with, the provision of childcare by a relevant childcare provider.

• (2) In relation to the provision of childcare in England and Wales, a “relevant childcare provider” means—

• (a) a person who—

• (i) in relation to England, is registered, or required to be registered, under Part 3 of the Childcare Act 2006 in relation to the childcare provided;

• (ii) in relation to England, is not required to register under that Part in relation to the childcare provided because the childcare is excepted from the definition of “childcare” in section 18 of that Act;

• (iii) in relation to England, is not required to register under that Part in relation to the childcare provided as a result of Article 2 of the Childcare (Exemptions from Registration) Order 2008 (S.I. 2008/979) by reference to the circumstances specified in Article 3, 5 or 8 of that Order;

• (iv) in relation to Wales, is registered, or required to be registered, under Part 2 of the Children and Family (Wales) Measure 2010 (nawm 1);

• (v) in relation to Wales, is not required to register under that Part because the person is not acting as a child minder, or is not providing day care, for the purposes of that Part by virtue of an Order made under section 19 of that Measure;

• (b) the governing body of a maintained school;

• (c) the proprietor of an Academy school or an Alternative provision Academy;

• (d) the proprietor of a school that is approved under section 342 of the Education Act 1996 (non-maintained special schools);

• (e) the proprietor of any educational institution not falling within paragraph (c) that is registered under section 95 of the Education and Skills Act 2008 (register of independent educational institutions).

• (3) In relation to the provision of childcare in Scotland, a “relevant childcare provider” means—

• (a) a person who—

• (i) is registered, or required to be registered, under Part 5 of the Public Services Reform (Scotland) Act 2010 (asp 8) in relation to the childcare provided;

• (ii) is not required to register under that Part in relation to the childcare provided because that childcare is excepted from the definition of a care service by Schedule 12 to that Act or by regulations made under that Schedule;

• (b) an education authority acting in its role as manager of a public school;

• (c) the proprietor of an independent school;

• (d) the managers of a grant-aided school.

• (4) In relation to the provision of childcare in Northern Ireland, a “relevant childcare provider” means—

• (a) a person who—

• (i) is registered, or required to be registered, under Part 11 of the Children (Northern Ireland) Order 1995 (S.I. 1995/755 (N.I. 2));

• (ii) is not required to register under that Part in relation to the childcare provided because the person is not acting as a childminder when carrying out that childcare by virtue of Article 119 of that Order, or is not providing day care for children when carrying out that childcare by virtue of Article 120 of that Order;

• (iii) is not required to register under that Part in relation to the childcare provided because of an exemption under Article 121 of that Order;

• (b) the Board of Governors of a grant-aided school;

• (c) the proprietor of an independent school.

• (5) In this paragraph—

• “Academy school” has the meaning given by section 1A of the Academies Act 2010;

• “Alternative provision Academy” has the meaning given by section 1C of the Academies Act 2010;

• “Board of Governors” has the same meaning as in the Education and Libraries (Northern Ireland) Order 1986 (S.I. 1986/594 (N.I. 3));

• “child” means a person under the age of 18;

• “childcare” means any form of care for a child, including— education for a child, and any other supervised activity for a child;

• “education authority” has the meaning given by section 135(1) of the Education (Scotland) Act 1980;

• “governing body”, in relation to a maintained school, means the governing body referred to in relation to the school in section 19 of the Education Act 2002;

• “grant-aided school”— in relation to Scotland, has the meaning given by section 135(1) of the Education (Scotland) Act 1980; in relation to Northern Ireland, has the meaning given by Article 2(2) of the of the Education and Libraries (Northern Ireland) Order 1986;

• “independent school”— in relation to Scotland, has the meaning given by section 135(1) of the Education (Scotland) Act 1980; in relation to Northern Ireland, has the meaning given by Article 2(2) of the of the Education and Libraries (Northern Ireland) Order 1986;

• “maintained school” means— a community, foundation or voluntary school (within the meaning of the School Standards and Framework Act 1998); a community or foundation special school (within the meaning of that Act); a maintained nursery school (as defined by section 22(9) of that Act);

• “proprietor”— in relation to a maintained school, has the meaning given by section 579(1) of the Education Act 1996; in relation to an educational institution registered under section 95 of the Education and Skills Act 2008, has the meaning given by section 138(1) of that Act; in relation to an independent school in Scotland, has the meaning given by section 135(1) of the Education (Scotland) Act 1980; in relation to an independent school in Northern Ireland, has the meaning given by Article 2(2) of the of the Education and Libraries (Northern Ireland) Order 1986;

• “public school” has the meaning given by section 135(1) of the Education (Scotland) Act 1980.

Gambling contracts

13

• (1) In England and Wales and Scotland, a contract for—

• (a) gambling, within the meaning of the Gambling Act 2005;

• (b) participating in the National Lottery, within the meaning of the National Lottery etc. Act 1993.

• (2) In Northern Ireland, a contract for betting, gaming or participating in a lawful lottery within the meaning of the Betting, Gaming, Lotteries and Amusements (Northern Ireland) Order 1985 (S.I. 1985/1204 (N.I. 11)).

Schedule 23

Part 1 — Key pre-contract information

1

The information referred to in section 256(1)(a) is as follows.

2

If section 254(2) applies to the contract—

• (a) that the contract will continue, or continue for a fixed term, unless the consumer takes steps to bring the contract to an end, or to an earlier end,

• (b) that until the contract comes to an end the consumer will continue to incur liabilities under the contract, and

• (c) any minimum period that must elapse before the consumer can bring the contract to an end.

3

If section 254(3) applies to the contract—

• (a) that the consumer will be charged, or charged at a higher rate, for the supply of goods, services or digital content unless the consumer takes steps to bring the contract to an end before liability for any charge, or higher charge, is incurred by the consumer, and

• (b) the date on which the consumer will become liable for the first charge, or first higher charge.

4

The frequency with which the consumer will become liable for payments under the contract and the minimum amount that the consumer will become liable for on each occasion, or how that amount is to be calculated if the amount cannot reasonably be calculated in advance.

5

If different to the information referred to in paragraph 4, the amount that the consumer would become liable for each month if payments under the contract fell due monthly.

6

The minimum total amount for which the consumer will become liable under the contract.

7

Whether the contract provides for—

• (a) any changes to the frequency or the amount of payments that the consumer will become liable for under the contract, or

• (b) any option under the contract for the trader to change the frequency or amount of those payments,

and if it does, the detail of those changes or that option.

8

The steps that the consumer must take to bring the contract to an end including any address (including a website or email address) or other contact details the consumer may need in order to take those steps.

9

The amount of notice that the consumer must give to bring the contract to an end.

10

The period within which reminder notices in relation to the contract will be given in accordance with section 259(3).

11

A summary of—

• (a) the consumer’s right to cancel the contract during the initial cooling-off period (or if the consumer may lose that right, that information), and

• (b) any right the consumer has to cancel during a renewal cooling-off period,

and the fact that further details about the rights are set out in the full pre-contract information.

Part 2 — Full pre-contract information

12

The information referred to in section 256(1)(b) is as follows.

13

The information set out in Part 1 of this Schedule.

14

The main characteristics of the goods, services or digital content, to the extent appropriate to the medium of communication and to the nature of the goods, services or digital content.

15

• (1) The identity of the trader and the identity of any other person on whose behalf the trader is acting.

• (2) For the purposes of sub-paragraph (1), “identity” in relation to a trader, means—

• (a) the name of the trader, and

• (b) if different, the name under which the trader trades.

16

• (1) The business address and, if different, the service address of the trader, and any business email address and business telephone number of the trader.

• (2) For the purposes of sub-paragraph (1) and paragraph 17—

• “business address”, in relation to a person, means— where the person is a body corporate, the address of its registered or principal office, where the person is a firm that is not a body corporate, the address of the principal office of the firm, in a case where neither paragraphs (a) or (b) apply, the address of the person’s principal place of business;

• “business email address”, in relation to a person, means any email address used by the trader for conducting business;

• “business telephone number”, in relation to a person, means any telephone number used by the trader for conducting business;

• “service address”, in relation to a person, means the address at which the person will accept service of documents.

17

In relation to any other person on whose behalf the trader is acting—

• (a) the person’s business address, business email address and business telephone number (if the person has such addresses or such a number), and

• (b) if different to the person’s business address, the person’s service address.

18

All additional delivery charges and any other costs or, where those charges cannot reasonably be calculated in advance, the fact that such additional charges may be payable.

19

The arrangements for payment, delivery, performance, and the time by which the trader undertakes to deliver the goods, to perform the services or to supply the digital content.

20

The trader’s complaint handling policy.

21

The following information about the consumer’s right to cancel the subscription contract during the initial cooling-off period—

• (a) when that period begins and ends;

• (b) how the consumer may exercise the right;

• (c) if the consumer may lose the right, the circumstances under which that will happen;

• (d) the consequences of the consumer exercising the right, including—