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Consumer Credit Act 2006

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  1. Introductory Text

  2. Agreements regulated under the 1974 Act etc.

    1. 1.Definition of ‘individual’

    2. 2.Removal of financial limits etc.

    3. 3.Exemption relating to high net worth debtors and hirers

    4. 4.Exemption relating to businesses

    5. 5.Consequential amendments relating to ss. 1 to 4

  3. Statements to be provided in relation to regulated credit agreements

    1. 6.Statements to be provided in relation to fixed-sum credit agreements

    2. 7.Further provision relating to statements

  4. Default under regulated agreements

    1. 8.OFT to prepare information sheets on arrears and default

    2. 9.Notice of sums in arrears under fixed-sum credit agreements etc.

    3. 10.Notice of sums in arrears under running-account credit agreements

    4. 11.Failure to give notice of sums in arrears

    5. 12.Notice of default sums

    6. 13.Interest on default sums

    7. 14.Default notices

    8. 15.Enforceability of regulated agreements

    9. 16.Time orders

    10. 17.Interest payable on judgment debts etc.

    11. 18.Definition of “default sum”

  5. Unfair relationships

    1. 19.Unfair relationships between creditors and debtors

    2. 20.Powers of court in relation to unfair relationships

    3. 21.Interpretation of ss. 140A and 140B of the 1974 Act

    4. 22.Further provision relating to unfair relationships

  6. Businesses requiring a licence and consequences of not being licensed

    1. 23.Definitions of ‘consumer credit business’ and ‘consumer hire business’

    2. 24.Debt administration etc.

    3. 25.Credit information services

    4. 26.Enforcement of agreements by unlicensed trader etc.

  7. Applications for licences and fitness to hold a licence etc.

    1. 27.Charge on applicants for licences etc.

    2. 28.Applications for standard licences

    3. 29.Issue of standard licences

    4. 30.Guidance on fitness test

    5. 31.Variation of standard licences etc.

    6. 32.Winding-up of standard licensee's business

    7. 33.Consequential amendments relating to ss. 27 to 32

  8. Duration of licences and charges

    1. 34.Definite and indefinite licences

    2. 35.Charges for indefinite licences

    3. 36.Extension of period to pay charge for indefinite licence

    4. 37.Failure to pay charge for indefinite licence

  9. Further powers of OFT to regulate conduct of licensees etc.

    1. 38.Power of OFT to impose requirements on licensees

    2. 39.Power of OFT to impose requirements on supervisory bodies

    3. 40.Supplementary provision relating to requirements

    4. 41.Procedure in relation to requirements

    5. 42.Guidance on requirements

    6. 43.Consequential amendments relating to requirements

  10. Powers and duties in relation to information

    1. 44.Provision of information etc. by applicants

    2. 45.Duties to notify changes in information etc.

    3. 46.Power of OFT to require information generally

    4. 47.Power of OFT to require access to premises

    5. 48.Entry to premises under warrant

    6. 49.Failure to comply with information requirement

    7. 50.Officers of enforcement authorities other than OFT

    8. 51.Consequential amendments relating to information

  11. Civil penalties

    1. 52.Power of OFT to impose civil penalties

    2. 53.Further provision relating to civil penalties

    3. 54.Statement of policy in relation to civil penalties

  12. Appeals

    1. 55.The Consumer Credit Appeals Tribunal

    2. 56.Appeals to the Consumer Credit Appeals Tribunal

    3. 57.Appeals from the Consumer Credit Appeals Tribunal

    4. 58.Consequential amendments relating to appeals

  13. Ombudsman scheme

    1. 59.Financial services ombudsman scheme to apply to consumer credit licensees

    2. 60.Funding of ombudsman scheme

    3. 61.Consequential amendments relating to ombudsman scheme

  14. Miscellaneous

    1. 62.Monitoring of businesses by OFT

    2. 63.Disapplication of s.101 of the 1974 Act

    3. 64.Determinations etc. by OFT

    4. 65.Sums received by OFT

  15. Final provisions

    1. 66.Financial provision

    2. 67.Interpretation

    3. 68.Consequential amendments

    4. 69.Transitional provision and savings

    5. 70.Repeals

    6. 71.Short title, commencement and extent

  16. SCHEDULES

    1. SCHEDULE 1

      Schedule A1 to the 1974 Act

    2. SCHEDULE 2

      Part 3A of Schedule 17 to the 2000 Act

    3. SCHEDULE 3

      Transitional Provision and Savings

      1. Interpretation

        1. 1.(1) Expressions used in the 1974 Act have the same...

      2. Statements to be provided in relation to regulated agreements

        1. 2.(1) Section 77A of the 1974 Act applies in relation...

        2. 3.Regulations made under section 78(4A) of the 1974 Act may...

        3. 4.(1) Section 7(3) of this Act shall have effect in...

      3. Default under regulated agreements

        1. 5.The OFT shall prepare, and give general notice of, the...

        2. 6.(1) Section 86B of the 1974 Act applies in relation...

        3. 7.(1) Section 86C of the 1974 Act applies in relation...

        4. 8.Section 86E of the 1974 Act applies in relation to...

        5. 9.(1) Section 86F of the 1974 Act applies in relation...

        6. 10.Section 14 of this Act shall have effect in relation...

        7. 11.The repeal by this Act of— (a) the words “(subject...

        8. 12.A debtor or hirer under an agreement may make an...

        9. 13.Section 130A of the 1974 Act applies in relation to...

      4. Unfair relationships

        1. 14.(1) The court may make an order under section 140B...

        2. 15.(1) The repeal by this Act of sections 137 to...

        3. 16.(1) It is immaterial for the purposes of section 140C(4)(a)...

        4. 17.Section 1 of this Act shall have no effect for...

      5. Applications for licences and fitness to hold a licence etc.

        1. 18.(1) Section 6A of the 1974 Act shall not apply...

        2. 19.(1) The OFT shall prepare and publish the guidance required...

      6. Further powers of OFT to regulate conduct of licensees etc.

        1. 20.The cases in which the OFT may impose requirements under...

        2. 21.The cases in which the OFT may impose requirements under...

        3. 22.(1) The OFT shall prepare and publish the guidance required...

      7. Powers and duties in relation to information

        1. 23.(1) Section 44 of this Act has no effect in...

        2. 24.A person is not required by section 36A of the...

      8. Civil penalties

        1. 25.(1) The OFT shall prepare and publish the statement of...

      9. Appeals

        1. 26.(1) A person who— (a) immediately before the commencement of...

        2. 27.(1) Neither— (a) subsections (1) and (2) of section 56...

        3. 28.Neither subsection (1) nor (4)(a) of section 58 of this...

      10. Ombudsman scheme

        1. 29.Section 1 of this Act shall have no effect for...

    4. SCHEDULE 4

      Repeals

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