The Consumer Credit (Exempt Agreements) Order 1989

2. Introductory Text

1. Citation, commencement, interpretation and revocation

3. 2. Exemption of certain consumer credit agreements secured on land

4. 3. Exemption of certain consumer credit agreements by reference to the number of payments to be made by the debtor

5. 4. Exemption of certain consumer credit agreements by reference to the rate of the total charge for credit

6. 5. Exemption of certain consumer credit agreements having a connection with a country outside the United Kingdom

7. 6. Exemption of certain consumer hire agreements

8. Signature

9. 1. SCHEDULE 1

      BODIES WHOSE AGREEMENTS OF THE SPECIFIED DESCRIPTION ARE EXEMPT AGREEMENTS

      1. PART I insurance companies

         1. Abbey Life Assurance Company Limited

         2. Abbey Life Pension and Annuities Limited

         3. Albany Life Assurance Company Limited

         4. Allchurches Life Assurance Limited

         5. Alliance Assurance Company Limited

         6. Allied Dunbar Assurance PLC

         7. Ambassador Life Assurance Company Limited

         8. American Life Insurance Company

         9. Ansvar Insurance Company Limited

         10. Atlas Assurance Company Limited

         11. Australian Mutual Provident Society

         12. Avon Insurance PLC

         13. Black Horse Life Assurance Company Limited

         14. Bradford Insurance Company Limited

         15. Britannic Assurance Public Limited Company

         16. The British & European Reinsurance Company Limited

         17. British Equitable Assurance Company Limited

         18. The British Life Office Limited

         19. The British Oak Insurance Company Limited

         20. British Reserve Insurance Company Limited

         21. Caledonian Insurance Company

         22. The Cambrian Insurance Company Limited

         23. The Canada Life Assurance Company

         24. Cannon Assurance Limited

         25. Car and General Insurance Corporation Limited

         26. Citibank Assurance Company Limited

         27. City of Westminster Assurance Company Limited

         28. City of Westminster Assurance Society Limited

         29. Clerical, Medical and General Life Assurance Society

         30. The Colonial Mutual Life Assurance Society Limited

         31. Commercial Union Assurance Company plc

         32. Commercial Union Pensions Management Limited

         33. Commercial Union Life Assurance Company Limited

         34. Confederation Life Insurance Company

         35. The Contingency Insurance Company Limited

         36. Co-operative Insurance Society Limited

         37. Cornhill Insurance Public Limited Company

         38. Criterion Insurance Company Limited

         39. Crown Life Assurance Company Limited

         40. Crown Life Insurance Company Limited

         41. Crown Life Pensions Limited

         42. Crusader Insurance PLC

         43. The Dominion Insurance Company Limited

         44. Eagle Star Insurance Company Limited

         45. Ecclesiastical Insurance Office plc

         46. Economic Insurance Company Limited

         47. English & American Insurance Company Limited

         48. The Equitable Life Assurance Society

         49. Equity & Law Life Assurance Society plc

         50. Essex and Suffolk Insurance Company Limited

         51. Excess Insurance Company Limited

         52. Federation Mutual Insurance Limited

         53. Fine Art and General Insurance Company Limited

         54. Friends' Provident Life Office

         55. FS Assurance Limited

         56. General Accident Fire and Life Assurance Corporation Public Limited Company...

         57. General Accident Life Assurance Limited

         58. General Accident Linked Life Assurance Limited

         59. General Portfolio Life Insurance Public Limited Company

         60. Gisborne Life Assurance Company Limited

         61. Gresham Life Assurance Society Limited

         62. Guardian Assurance plc

         63. Guardian Royal Exchange Assurance plc

         64. Hill Samuel Life Assurance Limited

         65. The Ideal Insurance Company Limited

         66. The Imperial Life Assurance Company of Canada

         67. Irish Life Assurance plc

         68. The Iron Trades Employers Insurance Association Limited

         69. Langham Life Assurance Company Limited

         70. Legal and General Assurance Society Limited

         71. The Licenses and General Insurance Company Limited

         72. The Life Association of Scotland Limited

         73. London Aberdeen & Northern Mutual Assurance Society Limited

         74. London and Manchester Assurance Company Limited

         75. London and Manchester (Pensions) Limited

         76. London & Scottish Assurance Corporation Limited

         77. The London Assurance

         78. The London Life Association Limited

         79. The Manufacturers Life Insurance Company

         80. Marine and General Mutual Life Assurance Society

         81. Maritime Insurance Company Limited

         82. Medical Sickness Annuity & Life Assurance Society Limited

         83. The Mercantile and General Reinsurance Company plc

         84. Midland Assurance Limited

         85. The Motor Union Insurance Company Limited

         86. Minster Insurance Company Limited

         87. Municipal Life Assurance Limited

         88. Municipal Mutual Insurance Limited

         89. NALGO Insurance Association Limited

         90. National Employers' Life Assurance Company Limited

         91. National Employers' Mutual General Insurance Association Limited

         92. The National Farmers Union Mutual Insurance Society Limited

         93. National House-Building Council

         94. The National Insurance and Guarantee Corporation PLC

         95. The National Mutual Life Association of Australasia Limited

         96. National Mutual Life Assurance Society

         97. National Provident Institution

         98. National Vulcan Engineering Insurance Group Limited

         99. N.E.L. Pensions Limited

         100. The New Zealand Insurance plc

         101. North British & Mercantile Insurance Company Limited

         102. The Northern Assurance Company Limited

         103. Norwich Union Asset Management Limited

         104. Norwich Union Fire Insurance Society Limited

         105. Norwich Union Insurance Group (Pensions Management) Limited

         106. Norwich Union Life Insurance Society

         107. NRG London Reinsurance Company Limited

         108. Oaklife Assurance Limited

         109. The Ocean Accident & Guarantee Corporation Limited

         110. The Orion Insurance Company P.L.C.

         111. Pearl Assurance Public Limited Company

         112. Pensions Management (SWF) Limited

         113. Permanent Insurance Company Limited

         114. Phoenix Assurance Public Limited Company

         115. Pioneer Mutual Insurance Company Limited

         116. Property Growth Pensions & Annuities Limited

         117. Provident Life Association Limited

         118. Provident Mutual Life Assurance Association

         119. Provincial Insurance Public Limited Company

         120. Provincial Life Assurance Company Limited

         121. The Prudential Assurance Company Limited

         122. Railway Passengers Assurance Company

         123. Refuge Assurance, public limited company

         124. Regency Life Assurance Company Limited

         125. The Reliance Fire and Accident Insurance Corporation Limited

         126. The Reliance Marine Insurance Company Limited

         127. Reliance Mutual Insurance Society Limited

         128. Royal Exchange Assurance

         129. Royal Insurance Public Limited Company

         130. Royal Insurance (Int.) Limited

         131. Royal Insurance (U.K.) Limited

         132. Royal Life Insurance Limited

         133. Royal Life (Unit Linked Assurances) Limited

         134. Royal Life (Unit Linked Pension Funds) Limited

         135. The Royal London Mutual Insurance Society Limited

         136. The Royal National Pension Fund for Nurses

         137. Royal Reinsurance Company Limited

         138. Schroder Life Assurance Limited

         139. Scottish Amicable Life Assurance Society

         140. Scottish Equitable Life Assurance Society

         141. Scottish General Insurance Company Limited

         142. Scottish Insurance Corporation Limited

         143. The Scottish Life Assurance Company

         144. The Scottish Mutual Assurance Society

         145. The Scottish Provident Institution

         146. Scottish Union and National Insurance Company

         147. Scottish Widows' Fund and Life Assurance Society

         148. Sentinel Life plc

         149. Skandia Life Assurance Company Limited

         150. Standard Life Assurance Company

         151. Standard Life Pension Funds Limited

         152. The State Assurance Company Limited

         153. Suffolk Life Annuities Limited

         154. Sun Alliance and London Assurance Company Limited

         155. Sun Insurance Office Limited

         156. Sun Life Assurance Company of Canada

         157. Sun Life Assurance Society plc

         158. Target Life Assurance Company Limited

         159. Teachers Assurance Company Limited

         160. Trident Investors Life Assurance Company Limited

         161. Trident Life Assurance Company Limited

         162. Trinity Insurance Company Limited

         163. United British Insurance Company Limited

         164. United Friendly Insurance plc

         165. United Kingdom Temperance and General Provident Institution

         166. United Standard Insurance Company Limited

         167. The University Life Assurance Society

         168. The Victory Reinsurance Company Limited

         169. Wesleyan and General Assurance Society

         170. The Western Australian Insurance Company Limited

         171. The White Cross Insurance Company Limited

         172. World-Wide Reassurance Company Limited

         173. The Yorkshire Insurance Company Limited

         174. Zurich Life Assurance Company Limited

      2. 1. The Ancient Order of Foresters Friendly Society

         2. Anglo-Saxons Friendly Society

         3. Blackburn Philanthropic Mutual Assurance Society

         4. British Benefit Society

         5. British Order of Ancient Free Gardeners' Friendly Society

         6. British United Order of Oddfellows Friendly Society

         7. Brunel Assurance Society

         8. Cirencester Benefit Society

         9. City of Glasgow Friendly Society

         10. Civil Servants' Annuities Assurance Society

         11. Colmore Friendly Society

         12. Coventry Assurance Society

         13. Dentists' Provident Society

         14. Devon and Exeter Men’s Equitable Benefit Society

         15. Devon and Exeter Women’s Equitable Benefit Society

         16. Grand United Order of Oddfellows Friendly Society

         17. The Hampshire and General Friendly Society

         18. Harvest Friendly Society

         19. Hazel Grove Provident Burial Society

         20. Hearts of Oak Benefit Society

         21. Hoddesdon Provident and Annuity Society

         22. The Ideal Benefit Society

         23. Independent Order of Oddfellows Kingston Unity Friendly Society

         24. The Independent Order of Odd Fellows Manchester Unity Friendly Society...

         25. The Independent Order of Rechabites, Salford Unity, Friendly Society

         26. Leeds District of the Ancient Order of Foresters Investment Association...

         27. Leek Assurance Collecting Society

         28. The Leicester District Foresters' Investment Society

         29. Liverpool Victoria Friendly Society

         30. The Loyal Order of Ancient Shepherds (Ashton Unity) Friendly Society...

         31. Loyal Past and Present Officers' Lodge, Norwich District, Independent Order...

         32. The Manchester and Districts of the Ancient Order of Foresters...

         33. National Deposit Friendly Society

         34. National Equalized Druids Friendly Society

         35. National United Order of Free Gardeners Friendly Society

         36. New Tab Friendly Society

         37. Northumberland and Durham Miners' Permanent Relief Fund Friendly Society

         38. Nottingham Oddfellows Friendly Society

         39. Nottingham Permanent Mutual Money Society

         40. The Order of Druids Friendly Society

         41. The Order of the Sons of Temperance Friendly Society

         42. Original Holloway Society

         43. Pioneer Benefit Society

         44. Preston Catholic Collecting Society

         45. Preston Shelley Assurance Collecting Society

         46. Provident Reliance Friendly Society

         47. Rational and County Assurance Society

         48. Royal Liver Friendly Society

         49. Scottish Friendly Assurance Society

         50. The Scottish Legal Life Assurance Society

         51. Sons of Scotland Temperance Friendly Society

         52. Stepney District Distressed Members' Pension Benevolent Fund

         53. Suffolk Friendly Society

         54. The Sussex Widow and Orphans Society

         55. Teachers Provident Society

         56. Time Assurance Society

         57. Tunbridge Wells Equitable Friendly Society

         58. Tunstall and District Assurance Collecting Society

         59. United Ancient Order of Druids Friendly Society

         60. United Kingdom Civil Service Benefit Society

         61. United Patriots' National Benefit Society

         62. West Surrey General Benefit Society

         63. Widow and Orphan Fund of the Woolwich District of the...

         64. Widow and Orphans' Fund, Stepney District of the Independent Order...

         65. Widows' and Orphans' Society, Ware District of Odd Fellows

         66. Widow, Widowers and Orphans' Fund of the Godalming District of...

         67. Wiltshire Holloway Benefit Society

      3. 1. The Central Board of Finance of the Church of England...

         2. Church Commissioners

         3. The Church of England Pensions Board

         4. The Church of Scotland

         5. The Church of Scotland General Trustees

         6. Church of Scotland Trust

         7. Timber Trades Benevolent Society

         8. The Winchester Diocesan Board of Finance

         9. York Diocesan Board of Finance Limited

      4. PART II

      5. PART III bodies corporate named or specifically referred to in an order made under section 156(4), 444(1) or 447(2)(a) of the housing act 1985

         1. Abbey Life Executive Mortgages Limited

         2. Abbey Life Funding Limited

         3. Abbey Life Home Loans Limited

         4. Abbey Life Home Services Limited

         5. Abbey Life Mortgage Finance Limited

         6. Abbey Life Mortgage Loans Limited

         7. Abbey Life Mortgage Securities Limited

         8. Abbey Life Residential Loans Limited

         9. CIS Mortgage Maker Limited

         10. General Portfolio Finance Limited

         11. Lombard Home Loans Limited

         12. London and Manchester (Mortgages) (No. 1) Limited

         13. London and Manchester (Mortgages) (No. 2) Limited

         14. The National Home Loans Corporation Limited

         15. National Mutual Home Loans plc

         16. National Westminster Home Loans Limited

         17. Royal London Homebuy Limited

      6. PART IV creditors whose agreements are exempt under paragraph (b) of article 5, subject to the provisions of that paragraph

         1. A Federal Credit Union (as defined in the Federal Credit...

         2. American Book Distributors Inc.

         3. American Express Bank Limited

   2. SCHEDULE 2

10. Explanatory Note