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					<dc:identifier>http://www.legislation.gov.uk/ukpga/1974/39/section/115</dc:identifier><dc:title>Consumer Credit Act 1974</dc:title><dc:description>An Act to establish for the protection of consumers a new system, administered by the Director General of Fair Trading, of licensing and other control of traders concerned with the provision of credit, or the supply of goods on hire or hire-purchase, and their transactions, in place of the present enactments regulating moneylenders, pawnbrokers and hire-purchase traders and their transactions; and for related matters.</dc:description><dc:date>1978-09-30</dc:date><dc:type>text</dc:type><dc:format>text/xml</dc:format><dc:language>en</dc:language><dc:publisher>Statute Law Database</dc:publisher><dc:modified>2026-08-07</dc:modified><dc:contributor>Expert Participation</dc:contributor><dct:valid>2026-07-15</dct:valid>
					
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					<ukm:PrimaryMetadata><ukm:DocumentClassification><ukm:DocumentCategory Value="primary"/><ukm:DocumentMainType Value="UnitedKingdomPublicGeneralAct"/><ukm:DocumentStatus Value="revised"/></ukm:DocumentClassification><ukm:Year Value="1974"/><ukm:Number Value="39"/><ukm:EnactmentDate Date="1974-07-31"/><ukm:UnappliedEffects><ukm:UnappliedEffect EffectId="key-0b5bc255caffecf64ec6b18710f9f03b" AffectedNumber="39" AffectingNumber="28" AffectedExtent="E+W+S+N.I." AffectingEffectsExtent="E+W+S+N.I." AffectingURI="http://www.legislation.gov.uk/id/ukpga/2010/28" URI="http://www.legislation.gov.uk/id/effect/key-0b5bc255caffecf64ec6b18710f9f03b" AffectingClass="UnitedKingdomPublicGeneralAct" AffectedClass="UnitedKingdomPublicGeneralAct" AffectedYear="1974" Row="7" AffectedProvisions="s. 25(2A)(b) (ia)" Modified="2019-01-02T15:17:55Z" Type="inserted" AffectingYear="2010" AffectingProvisions="Sch. 2 para. 36" AffectedURI="http://www.legislation.gov.uk/id/ukpga/1974/39" RequiresApplied="true"><ukm:AffectedTitle>Consumer Credit Act 1974</ukm:AffectedTitle><ukm:AffectedProvisions><ukm:Section Ref="section-25-2A-b" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/25/2A/b">s. 25(2A)(b)</ukm:Section> <ukm:Section Ref="section-25-2A-ia" URI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/25/2A/ia" FoundRef="section-25">(ia)</ukm:Section></ukm:AffectedProvisions><ukm:AffectingTitle>Financial Services Act 2010</ukm:AffectingTitle><ukm:AffectingProvisions><ukm:Section Ref="schedule-2" URI="http://www.legislation.gov.uk/id/ukpga/2010/28/schedule/2">Sch. 2 </ukm:Section><ukm:Section Ref="schedule-2-paragraph-36" URI="http://www.legislation.gov.uk/id/ukpga/2010/28/schedule/2/paragraph/36">para. 36</ukm:Section></ukm:AffectingProvisions><ukm:CommencementAuthority><ukm:Section Ref="section-26-3" URI="http://www.legislation.gov.uk/id/ukpga/2010/28/section/26/3">s. 26(3)</ukm:Section></ukm:CommencementAuthority><ukm:InForceDates><ukm:InForce Applied="false" Prospective="true" Qualification=""/></ukm:InForceDates></ukm:UnappliedEffect></ukm:UnappliedEffects></ukm:PrimaryMetadata>
					

                    
									 
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				</ukm:Metadata><Primary><Body DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/body" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/body" NumberOfProvisions="265" RestrictExtent="E+W+S+N.I." RestrictStartDate="2026-07-15"><Part DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/VIII" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/VIII" NumberOfProvisions="22" id="part-VIII" RestrictExtent="E+W+S+N.I." RestrictStartDate="2020-12-01"><Number><Strong>Part VIII</Strong></Number><Title> Security</Title><Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/VIII/crossheading/pledges" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/VIII/crossheading/pledges" NumberOfProvisions="9" id="part-VIII-crossheading-pledges" RestrictStartDate="2020-12-01"><Title> Pledges</Title><P1group RestrictExtent="E+W+S+N.I." RestrictStartDate="2014-04-01"><Title> Penalty for failure to supply copies of pledge agreement, <Abbreviation Expansion="et cetera" xml:lang="la">etc.</Abbreviation> </Title><P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/115" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/115" id="section-115"><Pnumber><CommentaryRef Ref="key-0c9205889542cc9393e271171d23b54d"/>115</Pnumber><P1para><Text>. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .</Text></P1para></P1></P1group></Pblock></Part></Body></Primary><Commentaries><Commentary id="key-0c9205889542cc9393e271171d23b54d" Type="F"><Para><Text>S. 115 omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of <Citation URI="http://www.legislation.gov.uk/id/uksi/2013/1881" id="cjwu2q672-00793" Class="UnitedKingdomStatutoryInstrument" Year="2013" Number="1881" Title="The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013">The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881)</Citation>, <CitationSubRef id="cjwu2q672-00794" CitationRef="cjwu2q672-00793" URI="http://www.legislation.gov.uk/id/uksi/2013/1881/article/1/2" SectionRef="article-1-2">arts. 1(2)</CitationSubRef><CitationSubRef id="cjwu2q672-00795" CitationRef="cjwu2q672-00793" URI="http://www.legislation.gov.uk/id/uksi/2013/1881/article/1/6" SectionRef="article-1-6">(6)</CitationSubRef>, <CitationSubRef id="cjwu2q672-00796" CitationRef="cjwu2q672-00793" URI="http://www.legislation.gov.uk/id/uksi/2013/1881/article/20/37" SectionRef="article-20-37" Operative="true">20(37)</CitationSubRef></Text></Para></Commentary></Commentaries></Legislation>