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					<dc:identifier>http://www.legislation.gov.uk/ukpga/1974/39/section/138</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>2025-07-22</dc:modified><dc:contributor>Expert Participation</dc:contributor><dct:valid>2025-07-15</dct:valid>
					
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					<atom:link rel="up" href="http://www.legislation.gov.uk/ukpga/1974/39" title="Entire legislation"/><atom:link rel="prev" href="http://www.legislation.gov.uk/ukpga/1974/39/section/137" title="Provision; Section 137"/><atom:link rel="prevInForce" href="http://www.legislation.gov.uk/ukpga/1974/39/section/137" title="Provision; Section 137"/><atom:link rel="next" href="http://www.legislation.gov.uk/ukpga/1974/39/section/139" title="Provision; Section 139"/><atom:link rel="nextInForce" href="http://www.legislation.gov.uk/ukpga/1974/39/section/139" title="Provision; Section 139"/>
					<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 AffectedURI="http://www.legislation.gov.uk/id/ukpga/1974/39" AffectingYear="2010" Modified="2019-01-02T15:17:55Z" AffectedNumber="39" AffectingURI="http://www.legislation.gov.uk/id/ukpga/2010/28" AffectedExtent="E+W+S+N.I." URI="http://www.legislation.gov.uk/id/effect/key-0b5bc255caffecf64ec6b18710f9f03b" RequiresApplied="true" AffectingEffectsExtent="E+W+S+N.I." EffectId="key-0b5bc255caffecf64ec6b18710f9f03b" AffectingClass="UnitedKingdomPublicGeneralAct" AffectingNumber="28" Type="inserted" AffectedProvisions="s. 25(2A)(b) (ia)" AffectedYear="1974" AffectingProvisions="Sch. 2 para. 36" AffectedClass="UnitedKingdomPublicGeneralAct" Row="7"><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="2025-07-15"><Part DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/IX" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/IX" NumberOfProvisions="24" id="part-IX" RestrictExtent="E+W+S+N.I." RestrictStartDate="2025-07-15"><Number><Strong>Part IX</Strong></Number><Title> Judicial Control</Title><Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/part/IX/crossheading/extortionate-credit-bargains" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/part/IX/crossheading/extortionate-credit-bargains" NumberOfProvisions="4" id="part-IX-crossheading-extortionate-credit-bargains" RestrictStartDate="2007-04-06"><Title> Extortionate credit bargains</Title><P1group RestrictExtent="E+W+S+N.I." RestrictStartDate="2007-04-06"><Title> When bargains are extortionate.</Title><P1 DocumentURI="http://www.legislation.gov.uk/ukpga/1974/39/section/138" IdURI="http://www.legislation.gov.uk/id/ukpga/1974/39/section/138" id="section-138"><Pnumber>138</Pnumber><P1para><Text><CommentaryRef Ref="c18853351"/>. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .</Text></P1para></P1></P1group></Pblock></Part></Body></Primary><Commentaries><Commentary id="c18853351" Type="F"><Para><Text>S. 138 repealed (6.4.2007) by <Citation URI="http://www.legislation.gov.uk/id/ukpga/2006/14" id="c02454" Year="2006" Class="UnitedKingdomPublicGeneralAct" Number="14" Title="Consumer Credit Act 2006">Consumer Credit Act 2006 (c. 14)</Citation>, ss. {22(3)}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 15); <Citation URI="http://www.legislation.gov.uk/id/uksi/2007/123" id="c02455" Class="UnitedKingdomStatutoryInstrument" Year="2007" Number="123">S.I. 2007/123</Citation>, <CitationSubRef id="c02456" CitationRef="c02455" URI="http://www.legislation.gov.uk/id/uksi/2007/123/article/3/2" SectionRef="article-3-2" Operative="true">art. 3(2)</CitationSubRef>, <CitationSubRef id="c02457" CitationRef="c02455" URI="http://www.legislation.gov.uk/id/uksi/2007/123/schedule/2" SectionRef="schedule-2">Sch. 2</CitationSubRef></Text></Para></Commentary></Commentaries></Legislation>