LegalizeThe Consumer Credit (EU Directive) Regulations 2010
Made: 28th March 2010
Laid before Parliament: 30th March 2010
Coming into force in accordance with regulations 99 and 101
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PART 1 — General
Citation and commencement
1
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PART 2 — Amendments to primary legislation
Amendments to Consumer Credit Act 1974
2
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Pre-contractual explanations etc
3
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4
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Assessment of creditworthiness
5
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Copy of draft consumer credit agreement
6
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Information to be included in agreements
7
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Duty to supply copies
8
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9
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10
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11
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12
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Withdrawal from consumer credit agreement
13
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14
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15
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Overdrafts etc
16
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17
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18
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19
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20
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Current account overdrafts
21
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22
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23
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Charge cards
24
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Linked credit agreements
25
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Statement of account
26
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Information on change of rate of interest and charges
27
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28
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Early repayment
29
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30
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31
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32
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33
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34
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35
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Assignment of rights
36
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Open-end agreements
37
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38
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39
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Database access
40
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Credit intermediaries
41
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42
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43
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Amount of credit in running-account agreement
44
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45
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Enterprise Act 2002
46
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PART 3 — Amendments to secondary legislation
Consumer Credit (Notice of Variation of Agreements) Regulations 1977
47
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48
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49
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Consumer Credit (Total Charge for Credit) Regulations 1980
50
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Consumer Credit (Agreements) Regulations 1983
51
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52
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53
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54
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55
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56
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Consumer Credit (Payments Arising on Death) Regulations 1983
57
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Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983
58
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Consumer Credit (Settlement Information) Regulations 1983
59
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60
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61
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62
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Consumer Credit (Running-Account Credit Information) Regulations 1983
63
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Consumer Credit (Exempt Agreements) Order 1989
64
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65
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66
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67
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Education (Student Loans) Regulations 1998
68
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Enterprise Act 2002 (Part 8 Community Infringements Specified UK Laws) Order 2003
69
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Consumer Credit (Advertisements) Regulations 2004
70
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71
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72
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Consumer Credit (Disclosure of Information) Regulations 2004
73
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74
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75
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76
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Consumer Credit (Early Settlement) Regulations 2004
77
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78
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79
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80
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81
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82
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83
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84
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Financial Services (Distance Marketing) Regulations 2004
85
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86
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87
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88
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89
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Education (Student Loans for Tuition Fees) (Scotland) Regulations 2006
90
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Education (Student Loans) (Scotland) Regulations 2007
91
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Consumer Credit (Exempt Agreements) Order 2007
92
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Graduate Endowment (Scotland) Regulations 2008
93
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Cancellation of Contracts made in a Consumer’s Home or Place of Work etc. Regulations 2008
94
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95
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96
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Payment Services Regulations 2009
97
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Education (Student Loans) (Repayment) Regulations 2009
98
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PART 4 — Commencement, Transitional and Saving Provision
Commencement
99
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Application of regulations to agreements entered into before 1st February 2011
100
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Early application of regulations to certain agreements before 1st February 2011
101
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Interpretation
102
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Signed
Kevin Brennan — Minister for Further Education, Skills, Apprenticeships and Consumer Affairs — Department for Business, Innovation and Skills — 28th March 2010
Explanatory note
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Footnotes
[^f00001]: S.I. 2008/3117.
[^f00002]: 1972 c.68. Section 2(2) was amended by section 27(1)(a) of the Legislative and Regulatory Reform Act 2006 (c.51).
[^f00003]: 1974 c.39.
[^f00004]: Section 185 was amended by the Consumer Credit Act 2006 (c. 14), section 7(3).
[^f00005]: Section 127(1) was amended the Consumer Credit Act 2006 (c.14), section 70 and Schedule 4
[^f00006]: Section 127(1) was amended the Consumer Credit Act 2006 (c.14), section 70 and Schedule 4.
[^f00007]: Section 189(1) was amended by the Banking Act 1987 (c.22), section 88, and the relevant definition inserted by that Act was revoked by S.I. 2001/3649, article 176(a). It was also amended by the Enterprise Act 2002 (c.40), Schedule 25, paragraph 6(38) and by the Consumer Credit Act 2006 (c.14), sections 25(5) and 51(6).
[^f00008]: Section 75(3) was amended by the Schedule to S.I. 1983/1878.
[^f00009]: Section 77A was inserted by the Consumer Credit Act 2006 (c.14), section 6.
[^f00010]: Section 82(2A) was inserted by S.I. 2005/2967.
[^f00011]: Section 189(1) was amended by the Banking Act 1987 (c.22), section 88, and the relevant definition inserted by that Act was revoked by S.I. 2001/3649, article 176(a). It was also amended by the Enterprise Act 2002 (c.40), Schedule 25, paragraph 6(38) and by the Consumer Credit Act 2006 (c.14), sections 25(5) and 51(6).
[^f00012]: Section 189(1) was amended by the Banking Act 1987 (c.22), section 88, and the relevant definition inserted by that Act was revoked by S.I. 2001/3649, article 176(a). It was also amended by the Enterprise Act 2002 (c.40), Schedule 25, paragraph 6(38) and by the Consumer Credit Act 2006 (c.14), sections 25(5) and 51(6).
[^f00013]: 2002 c.40.
[^f00014]: S.I. 1977/328; relevant amending instrument is S.I. 1979/661.
[^f00015]: S.I. 1980/51
[^f00016]: S.I. 1983/1553 as amended by S.I. 2004/1482.
[^f00017]: S.I. 1983/1554
[^f00018]: S.I. 1983/1557 as amended by S.I. 1984/1108, S.I. 2004/3236, other amendments which are not relevant.
[^f00019]: S.I. 1983/1564, amended by S.I. 2004/1483 and S.I. 2004/3236
[^f00020]: S.I. 1983/1570, to which there are amendments not relevant to these Regulations.
[^f00021]: S.I. 1989/869, amended by S.I. 1999/1956 and S.I. 2006/1273; there are other amending instruments but none is relevant.
[^f00022]: S.I. 1998/211 to which there are amendments not relevant to these regulations.
[^f00023]: S.I. 2003/1374 amended by S.I. 2008/1277; there are other amending instruments but none is relevant.
[^f00024]: OJ No L42, 12.2.1987, p 48.
[^f00025]: OJ No L101, 1.4.1998, p 17.
[^f00026]: S.I. 2004/1484, amended by S.I. 2008/1277.
[^f00027]: S.I. 2004/1481.
[^f00028]: S.I. 2004/1483, amended by S.I. 2004/2619.
[^f00029]: S.I. 2004/2095, amended by S.I. 2009/209; there are other amending instruments but none is relevant.
[^f00030]: S.S.I. 2006/333, amended by S.S.I. 2009/189; there are other amending instruments but none is relevant.
[^f00031]: S.S.I. 2007/154, amended by S.S.I. 2009/189; there are other amending instruments but none is relevant.
[^f00032]: S.I. 2007/1168.
[^f00033]: S.S.I. 2008/235.
[^f00034]: S.I. 2008/1816.
[^f00035]: S.I. 2009/209, to which there are amendments not relevant to these Regulations.
[^f00036]: S.I. 2009/470.
[^f00037]: S.I. 2010/1013.
Editorial notes
55A
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67A
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88A
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Consumer Credit (Information Requirements and Duration of Licences and Charges) Regulations 2007
91A
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Consumer Credit (Exempt Agreements) Order 2007
Graduate Endowment (Scotland) Regulations 2008
Cancellation of Contracts made in a Consumer’s Home or Place of Work etc. Regulations 2008
Payment Services Regulations 2009
Education (Student Loans) (Repayment) Regulations 2009
101A
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