Search Legislation

The Consumer Credit (EU Directive) Regulations 2010

 Help about what version

What Version

 Help about opening options

Opening Options

Changes to legislation:

There are outstanding changes not yet made by the legislation.gov.uk editorial team to The Consumer Credit (EU Directive) Regulations 2010. Those changes will be listed when you open the content using the Table of Contents below. Any changes that have already been made by the team appear in the content and are referenced with annotations. Help about Changes to Legislation

Close

Changes to Legislation

Revised legislation carried on this site may not be fully up to date. Changes and effects are recorded by our editorial team in lists which can be found in the ‘Changes to Legislation’ area. Where those effects have yet to be applied to the text of the legislation by the editorial team they are also listed alongside the affected provisions when you open the content using the Table of Contents below.

View outstanding changes

Changes and effects yet to be applied to :

Changes and effects yet to be applied to the whole Instrument associated Parts and Chapters:

Whole provisions yet to be inserted into this Instrument (including any effects on those provisions):

  1. Introductory Text

  2. PART 1 General

    1. 1.Citation and commencement

  3. PART 2 Amendments to primary legislation

    1. 2.Amendments to Consumer Credit Act 1974

    2. 3.Pre-contractual explanations etc

    3. 4.In section 185 (agreement with more than one debtor or...

    4. 5.Assessment of creditworthiness

    5. 6.Copy of draft consumer credit agreement

    6. 7.Information to be included in agreements

    7. 8.Duty to supply copies

    8. 9.After section 61A (duty to supply copy of executed consumer...

    9. 10.In section 62 (duty to supply copy of unexecuted agreement)—...

    10. 11.In section 63 (duty to supply copy of executed agreement)—...

    11. 12.In section 127 (enforcement orders in cases of infringement) in...

    12. 13.Withdrawal from consumer credit agreement

    13. 14.In section 67 (cancellable agreements)— (a) at the beginning insert...

    14. 15.In section 82 (variation of agreements), after subsection (6) insert—...

    15. 16.Overdrafts etc

    16. 17.(1) Section 74 (exclusion of certain agreements from Part V)...

    17. 18.In section 127 (enforcement orders in cases of infringement) in...

    18. 19.(1) Section 189 (definitions), is amended as follows.

    19. 20.(1) Schedule 2, Part II (examples) is amended as follows....

    20. 21.Current account overdrafts

    21. 22.After section 74A (information to be provided on a current...

    22. 23.In section 77A (statements to be provided in relation to...

    23. 24.Charge cards

    24. 25.Linked credit agreements

    25. 26.Statement of account

    26. 27.Information on change of rate of interest and charges

    27. 28.In section 82 (variation of agreements), after subsection (1) insert—...

    28. 29.Early repayment

    29. 30.In section 94 (right to complete payments ahead of time)—...

    30. 31.In section 95 (rebate on early settlement), in subsection (1),...

    31. 32.After section 95 (rebate on early settlement) insert— Compensatory amount...

    32. 33.In section 97 (duty to give information)—

    33. 34.After section 97 (duty to give information) insert— Duty to...

    34. 35.In section 120 (consequence of failure to redeem), in subsection...

    35. 36.Assignment of rights

    36. 37.Open-end agreements

    37. 38.After section 98 (duty to give notice of termination), insert—...

    38. 39.In section 189 (definitions), in subsection (1) after the definition...

    39. 40.Database access

    40. 41.Credit intermediaries

    41. 42.In section 189 (definitions), in subsection (1) after the definition...

    42. 43.In Schedule 1 (prosecution and punishment of offences) after the...

    43. 44.Amount of credit in running-account agreement

    44. 45.In section 17 (small agreements), for subsection (2) substitute—

    45. 46.Enterprise Act 2002

  4. PART 3 Amendments to secondary legislation

    1. 47.Consumer Credit (Notice of Variation of Agreements) Regulations 1977

    2. 48.In regulation 2 (notice valid for any variation in paragraph...

    3. 49.In regulation 3 (notice valid for special variation) before “where”...

    4. 50.Consumer Credit (Total Charge for Credit) Regulations 1980

    5. 51.Consumer Credit (Agreements) Regulations 1983

    6. 52.In regulation 1 (citation, commencement and interpretation)—

    7. 53.In regulation 8 (application of regulations), after paragraph (1), insert—...

    8. 54.In Schedule 1 (information to be contained in documents embodying...

    9. 55.In Schedule 2 (forms of statement of protection and remedies...

    10. 56.In Schedule 8 (information to be contained in documents embodying...

    11. 57.Consumer Credit (Payments Arising on Death) Regulations 1983

    12. 58.Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983

    13. 59.Consumer Credit (Settlement Information) Regulations 1983

    14. 60.In regulation 2 (form of statement), in paragraph (2), omit...

    15. 61.In regulation 3 (settlement date)— (a) in paragraph (2) omit...

    16. 62.In the Schedule (information to be contained in a statement...

    17. 63.Consumer Credit (Running-Account Credit Information) Regulations 1983

    18. 64.Consumer Credit (Exempt Agreements) Order 1989

    19. 65.In article 1 (citation, commencement, interpretation and revocation)—

    20. 66.In article 3 (exemption of certain consumer credit agreements by...

    21. 67.In article 4 (exemption of certain consumer credit agreements by...

    22. 68.Education (Student Loans) Regulations 1998

    23. 69.Enterprise Act 2002 (Part 8 Community Infringements Specified UK Laws) Order 2003

    24. 70.Consumer Credit (Advertisements) Regulations 2004

    25. 71.In regulation 1 (citation, commencement and interpretation)—

    26. 72.After regulation 1 insert— Application These Regulations apply to a credit advertisement in so far...

    27. 73.Consumer Credit (Disclosure of Information) Regulations 2004

    28. 74.In regulation 1 (citation, commencement and interpretation), in paragraph (2)...

    29. 75.For regulation 2 (agreements to which these Regulations apply) substitute—...

    30. 76.In regulation 3 (information to be disclosed to a debtor...

    31. 77.Consumer Credit (Early Settlement) Regulations 2004

    32. 78.In regulation 1 (citation, commencement and interpretation)—

    33. 79.In regulation 2 (entitlement to rebate)— (a) for paragraph (1)...

    34. 80.In regulation 3 (items included in the calculation of rebate)—...

    35. 81.In regulation 4 (calculation of the amount of the rebate)—...

    36. 82.After regulation 4 insert— Calculation of the amount of rebate...

    37. 83.In regulation 5 (settlement date)— (a) regulation 5 is renumbered...

    38. 84.Omit the Schedule.

    39. 85.Financial Services (Distance Marketing) Regulations 2004

    40. 86.In regulation 2 (interpretation), in paragraph (1)—

    41. 87.In regulation 7 (information required prior to the conclusion of...

    42. 88.In regulation 8 (written and additional information)—

    43. 89.In regulation 11 (exceptions to the right to cancel), at...

    44. 90.Education (Student Loans for Tuition Fees) (Scotland) Regulations 2006

    45. 91.Education (Student Loans) (Scotland) Regulations 2007

    46. 92.Consumer Credit (Exempt Agreements) Order 2007

    47. 93.Graduate Endowment (Scotland) Regulations 2008

    48. 94.Cancellation of Contracts made in a Consumer’s Home or Place of Work etc. Regulations 2008

    49. 95.In regulation 6 (scope of application)— (a) at the end...

    50. 96.In regulation 11 (automatic cancellation of related credit agreement), in...

    51. 97.Payment Services Regulations 2009

    52. 98.Education (Student Loans) (Repayment) Regulations 2009

  5. PART 4 Commencement, Transitional and Saving Provision

    1. 99.Commencement

    2. 100.Application of regulations to agreements entered into before 1st February 2011

    3. 101.Early application of regulations to certain agreements before 1st February 2011

    4. 102.Interpretation

  6. Signature

  7. Explanatory Note

Back to top

Options/Help

Print Options

Close

Legislation is available in different versions:

Latest Available (revised):The latest available updated version of the legislation incorporating changes made by subsequent legislation and applied by our editorial team. Changes we have not yet applied to the text, can be found in the ‘Changes to Legislation’ area.

Original (As Enacted or Made): The original version of the legislation as it stood when it was enacted or made. No changes have been applied to the text.

Close

Opening Options

Different options to open legislation in order to view more content on screen at once

Close

Explanatory Memorandum

Explanatory Memorandum sets out a brief statement of the purpose of a Statutory Instrument and provides information about its policy objective and policy implications. They aim to make the Statutory Instrument accessible to readers who are not legally qualified and accompany any Statutory Instrument or Draft Statutory Instrument laid before Parliament from June 2004 onwards.

Close

More Resources

Access essential accompanying documents and information for this legislation item from this tab. Dependent on the legislation item being viewed this may include:

  • the original print PDF of the as enacted version that was used for the print copy
  • lists of changes made by and/or affecting this legislation item
  • confers power and blanket amendment details
  • all formats of all associated documents
  • correction slips
  • links to related legislation and further information resources
Close

Timeline of Changes

This timeline shows the different points in time where a change occurred. The dates will coincide with the earliest date on which the change (e.g an insertion, a repeal or a substitution) that was applied came into force. The first date in the timeline will usually be the earliest date when the provision came into force. In some cases the first date is 01/02/1991 (or for Northern Ireland legislation 01/01/2006). This date is our basedate. No versions before this date are available. For further information see the Editorial Practice Guide and Glossary under Help.

Close

More Resources

Use this menu to access essential accompanying documents and information for this legislation item. Dependent on the legislation item being viewed this may include:

  • the original print PDF of the as made version that was used for the print copy
  • correction slips

Click 'View More' or select 'More Resources' tab for additional information including:

  • lists of changes made by and/or affecting this legislation item
  • confers power and blanket amendment details
  • all formats of all associated documents
  • links to related legislation and further information resources