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The Consumer Credit (Quotations) Regulations 1989

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  1. Introductory Text

  2. 1.Citation, commencement, interpretation and revocation

  3. 2.Form and content of quotations

  4. 3.Prominence to be afforded to the APR in quotations and wording of prescribed information

  5. 4.Requests for quotations

  6. 5.Information given voluntarily

  7. 6.Application of Regulations

  8. Signature

    1. SCHEDULE 1

      INFORMATION TO BE CONTAINED IN QUOTATIONS RELATING TO CREDIT

      1. 1.Name and address

      2. 2.Security

      3. 3.Insurance

      4. 4.Deposit of money in an account

      5. 5.Credit-broker’s fees

      6. 6.APR

      7. 7.Amount of credit

      8. 8.Credit limit

      9. 9.Nature of security not affecting debtor’s home

      10. 10.Frequency, number and amount of advance payments

      11. 11.Different treatment of cash and credit purchasers

      12. 12.Frequency, number and amount of repayments of credit

      13. 13.Other payments and charges

      14. 14.Total amount payable by the debtor

      15. 15.Cash price

      16. 16.Voluntary payments

      17. 17.Credit repayable by proceeds of life insurance contracts

      18. 18.Warning

      19. 19.Foreign currency mortgages

    2. SCHEDULE 2

      INFORMATION TO BE CONTAINED IN QUOTATIONS RELATING TO THE BAILMENT OF GOODS

      1. 1.Name and address

      2. 2.Nature of transaction

      3. 3.Security

      4. 4.Insurance

      5. 5.Deposit of money in an account

      6. 6.Credit-broker’s fee

      7. 7.Nature of security not affecting hirer’s home

      8. 8.Frequency, number and amount of advance payments

      9. 9.Duration of hire

      10. 10.Frequency and amount of hire payments

      11. 11.Other payments and charges

      12. 12.Variable payments and charges

      13. 13.Warning

    3. SCHEDULE 3

      PROVISIONS RELATING TO DISCLOSURE OF THE TOTAL CHARGE FOR CREDIT AND THE APR

      1. 1.Permissible tolerances in disclosure of the APR

      2. 2.Tolerance where repayments are nearly equal

      3. 3.Tolerance where interval between relevant date and first repayment is greater than interval between repayments

      4. 4.Tolerance where Consumer credit tables do not exactly apply

      5. 5.Tolerance where period rate of charge is charged

    4. SCHEDULE 4

      REVOCATIONS

  10. Explanatory Note

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