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Consumer Credit Act 1974

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This is the original version (as it was originally enacted).

Schedule 1Prosecution and Punishment of Offences

1234
SectionOffenceMode of prosecutionImprisonment or fine
7Knowingly or recklessly giving false information to Director.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
39(1)Engaging in activities requiring a licence when not a licensee.(a) Summarily£400.
(b) On indictment.2 years or a fine or both.
39(2)Carrying on a business under a name not specified in licence.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
39(3)Failure to notify changes in registered particulars.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
45Advertising credit where goods etc. not available for cash.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
46(1)False or misleading advertisements.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
47(1)Advertising infringements.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
49(1)Canvassing debtor-creditor agreements off trade premises.(a) Summarily.£200.
(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.£200.
(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.
51(1)Supplying unsolicited credit-tokens.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
77(4)Failure of creditor under fixed-sum credit agreement to supply copies of documents etc.Summarily.£200.
78(6)Failure of creditor under running-account credit agreement to supply copies of documents etc.Summarily.£200.
79(3)Failure of owner under consumer hire agreement to supply copies of documents etc.Summarily.£200.
80(2)Failure to tell creditor or owner whereabouts of goods.Summarily.£50.
85(2)Failure of creditor to supply copy of credit-token agreement.Summarily.£200.
97(3)Failure to supply debtor with statement of amount required to discharge agreement.Summarily.£50.
103(5)Failure to deliver notice relating to discharge of agreements.Summarily.£50.
107(4)Failure of creditor to give information to surety under fixed-sum credit agreement.Summarily.£200.
108(4)Failure of creditor to give information to surety under running-account credit agreement.Summarily.£200.
109(3)Failure of owner to give information to surety under consumer hire agreement.Summarily.£200.
110(3)Failure of creditor or owner to supply a copy of any security instrument to debtor or hirer.Summarily.£200.
114(2)Taking pledges from minors.(a) Summarily.£400.
(b) On indictment.1 year or a fine or both
115Failure to supply copies of a pledge agreement or pawn-receipt.Summarily.£200.
119(1)Unreasonable refusal to allow pawn to be redeemed.Summarily.£200.
154Canvassing 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.£200.
158(4)Failure of credit reference agency to disclose filed information.Summarily.£200.
159(6)Failure of credit reference agency to correct information.Summarily.£200.
160(6)Failure of credit reference agency to comply with section 160 (3) or (4).Summarily.£200.
162(6)Impersonation of enforcement authority officers.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
165(1)Obstruction of enforcement authority officers.Summarily.£200.
165(2)Giving false information to enforcement authority officers.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
167(2)Contravention of regulations under section 44, 52, 53, 54, or 112.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.
174(5)Wrongful disclosure of information.(a) Summarily.£400.
(b) On indictment.2 years or a fine or both.

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