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					<dc:identifier>http://www.legislation.gov.uk/ukpga/2015/15/section/74</dc:identifier><dc:title>Consumer Rights Act 2015</dc:title><dc:description>An Act to amend the law relating to the rights of consumers and protection of their interests; to make provision about investigatory powers for enforcing the regulation of traders; to make provision about private actions in competition law and the Competition Appeal Tribunal; and for connected purposes.</dc:description><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>2026-04-15</dc:modified><dc:contributor>Expert Participation</dc:contributor><dct:valid>2026-04-06</dct:valid>
					
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					<atom:link rel="http://www.legislation.gov.uk/def/navigation/notes" href="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/notes" title="Explanatory Notes"/><atom:link rel="http://www.legislation.gov.uk/def/navigation/notes/toc" href="http://www.legislation.gov.uk/ukpga/2015/15/notes/contents" title="Explanatory Notes Table of Contents"/>
					
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					<atom:link rel="http://purl.org/dc/terms/tableOfContents" hreflang="en" href="http://www.legislation.gov.uk/ukpga/2015/15/contents" title="Table of Contents"/>
					
					<atom:link rel="http://purl.org/dc/terms/replaces" href="http://www.legislation.gov.uk/ukpga/2015/15/section/74/2020-12-31" title="2020-12-31"/><atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/ukpga/2015/15/section/74/enacted" title="enacted"/><atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/ukpga/2015/15/section/74/2015-10-01" title="2015-10-01"/><atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/ukpga/2015/15/section/74/2020-12-31" title="2020-12-31"/><atom:link rel="http://purl.org/dc/terms/hasVersion" href="http://www.legislation.gov.uk/ukpga/2015/15/section/74/2024-01-01" title="2024-01-01"/>
					
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				</ukm:Metadata><Primary><Body DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/body" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/body" NumberOfProvisions="105" RestrictStartDate="2025-04-06"><Part DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/part/2" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/part/2" NumberOfProvisions="16" id="part-2" RestrictExtent="E+W+S+N.I." RestrictStartDate="2024-01-01"><Number><Strong>PART 2</Strong></Number><Title>Unfair terms</Title><Pblock DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/part/2/crossheading/supplementary-provisions" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/part/2/crossheading/supplementary-provisions" NumberOfProvisions="6" id="part-2-crossheading-supplementary-provisions" RestrictStartDate="2024-01-01"><Title><Emphasis>Supplementary provisions</Emphasis></Title><P1group RestrictExtent="E+W+S+N.I." RestrictStartDate="2024-01-01"><Title> <Substitution ChangeId="key-002f910231082a0e71318b976fa519eb-1620132032546" CommentaryRef="key-002f910231082a0e71318b976fa519eb">Contracts applying law of a country other than the </Substitution><Acronym Expansion="United Kingdom"><Substitution ChangeId="key-002f910231082a0e71318b976fa519eb-1620132032546" CommentaryRef="key-002f910231082a0e71318b976fa519eb">UK</Substitution></Acronym></Title><P1 DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/section/74" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74" id="section-74"><Pnumber PuncAfter=""><CommentaryRef Ref="key-82eb172e140efbc1f421d273b6ba5929"/>74</Pnumber><P1para><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/section/74/1" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/1" id="section-74-1"><Pnumber>1</Pnumber><P2para><Text>If—</Text><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/section/74/1/a" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/1/a" id="section-74-1-a"><Pnumber>a</Pnumber><P3para><Text>the law of a country or territory other than  <Substitution ChangeId="key-c4bd2d4137027dcb8fc6e00325abfcd7-1620038010474" CommentaryRef="key-c4bd2d4137027dcb8fc6e00325abfcd7">the United Kingdom or any part of the United Kingdom</Substitution>  is chosen by the parties to be applicable to a consumer contract, but</Text></P3para></P3><P3 DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/section/74/1/b" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/1/b" id="section-74-1-b"><Pnumber>b</Pnumber><P3para><Text>the consumer contract has a close connection with the United Kingdom,</Text></P3para></P3><Text>this Part applies despite that choice.</Text></P2para></P2><P2 DocumentURI="http://www.legislation.gov.uk/ukpga/2015/15/section/74/2" IdURI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/2" id="section-74-2"><Pnumber>2</Pnumber><P2para><Text>For cases where the law applicable has not been chosen <CommentaryRef Ref="key-b28e520d735c16cdb1d6187b37e009b9"/>..., see Regulation <Citation URI="http://www.legislation.gov.uk/id/eur/2008/593" id="c00016" Class="EuropeanUnionRegulation" Year="2008" Number="593">(<Acronym Expansion="European Community">EC</Acronym>) <Abbreviation Expansion="Number">No.</Abbreviation> 593/2008</Citation> of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations <Addition ChangeId="key-5b0c53894c681a2b2c2f641cfe3c2a38-1620141353610" CommentaryRef="key-5b0c53894c681a2b2c2f641cfe3c2a38">as that Regulation has effect as  </Addition><Addition ChangeId="key-5b0c53894c681a2b2c2f641cfe3c2a38-1620141353610" CommentaryRef="key-5b0c53894c681a2b2c2f641cfe3c2a38"><Substitution ChangeId="key-72b066dc6170cc668b2cf71eabc59829-1704910119043" CommentaryRef="key-72b066dc6170cc668b2cf71eabc59829">assimilated direct</Substitution></Addition><Addition ChangeId="key-5b0c53894c681a2b2c2f641cfe3c2a38-1620141353610" CommentaryRef="key-5b0c53894c681a2b2c2f641cfe3c2a38">  legislation (including that Regulation as applied by regulation 5 of the Law Applicable to Contractual Obligations (England and Wales and Northern Ireland) Regulations 2009 and regulation 4 of the Law Applicable to Contractual Obligations (Scotland) Regulations 2009), unless the case is one in respect of which Regulation </Addition><Citation URI="http://www.legislation.gov.uk/id/eur/2008/0593" id="c00021" Class="EuropeanUnionRegulation" Year="2008" Number="0593"><Addition ChangeId="key-5b0c53894c681a2b2c2f641cfe3c2a38-1620141353610" CommentaryRef="key-5b0c53894c681a2b2c2f641cfe3c2a38">(EC) No. 593/2008</Addition></Citation><Addition ChangeId="key-5b0c53894c681a2b2c2f641cfe3c2a38-1620141353610" CommentaryRef="key-5b0c53894c681a2b2c2f641cfe3c2a38"> has effect by virtue of Article 66 of the EU withdrawal agreement, in which case see that Regulation as it has effect by virtue of that Article.</Addition> </Text></P2para></P2></P1para></P1></P1group></Pblock></Part></Body></Primary><Commentaries><Commentary id="key-002f910231082a0e71318b976fa519eb" Type="F"><Para><Text>Words in s. 74 heading  substituted (31.12.2020) by <Citation URI="http://www.legislation.gov.uk/id/uksi/2018/1326" id="c5wby8mn4-00007" Class="UnitedKingdomStatutoryInstrument" Year="2018" Number="1326" Title="The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018">The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018 (S.I. 2018/1326)</Citation>, <CitationSubRef CitationRef="c5wby8mn4-00007" id="c5wby8mn4-00008" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5wby8mn4-00007" id="c5wby8mn4-00009" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/3/5/a" SectionRef="regulation-3-5-a" Operative="true">3(5)(a)</CitationSubRef> (with <CitationSubRef CitationRef="c5wby8mn4-00007" id="c5wby8mn4-00010" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/11" SectionRef="regulation-11">reg. 11</CitationSubRef>) (as amended by <Citation URI="http://www.legislation.gov.uk/id/uksi/2020/1347" id="c5wby8mn4-00011" Class="UnitedKingdomStatutoryInstrument" Year="2020" Number="1347">S.I. 2020/1347</Citation>, <CitationSubRef CitationRef="c5wby8mn4-00011" id="c5wby8mn4-00012" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5wby8mn4-00011" id="c5wby8mn4-00013" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/4/8" SectionRef="regulation-4-8">4(8)</CitationSubRef>); <Citation URI="http://www.legislation.gov.uk/id/ukpga/2020/1" id="c5wby8mn4-00014" Year="2020" Class="UnitedKingdomPublicGeneralAct" Number="1">2020 c. 1</Citation>, <CitationSubRef CitationRef="c5wby8mn4-00014" id="c5wby8mn4-00015" URI="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1" SectionRef="schedule-5-paragraph-1-1">Sch. 5 para. 1(1)</CitationSubRef></Text></Para></Commentary><Commentary id="key-5b0c53894c681a2b2c2f641cfe3c2a38" Type="F"><Para><Text>Words in s. 74(2) inserted by S.I. 2019/834, reg. 4A(3) (as inserted (31.12.2020) by <Citation URI="http://www.legislation.gov.uk/id/uksi/2020/1574" id="c5whalmg4-00037" Class="UnitedKingdomStatutoryInstrument" Year="2020" Number="1574" Title="The Jurisdiction, Judgments and Applicable Law (Amendment) (EU Exit) Regulations 2020">The Jurisdiction, Judgments and Applicable Law (Amendment) (EU Exit) Regulations 2020 (S.I. 2020/1574)</Citation>, <CitationSubRef CitationRef="c5whalmg4-00037" id="c5whalmg4-00038" URI="http://www.legislation.gov.uk/id/uksi/2020/1574/regulation/1" SectionRef="regulation-1">regs. 1</CitationSubRef>, <CitationSubRef CitationRef="c5whalmg4-00037" id="c5whalmg4-00039" URI="http://www.legislation.gov.uk/id/uksi/2020/1574/regulation/6/6" SectionRef="regulation-6-6" Operative="true">6(6)</CitationSubRef>)</Text></Para></Commentary><Commentary id="key-72b066dc6170cc668b2cf71eabc59829" Type="F"><Para><Text>Words in <CitationSubRef id="c8uchjp35-00006" SectionRef="section-74-2" URI="http://www.legislation.gov.uk/id/ukpga/2015/15/section/74/2">s. 74(2)</CitationSubRef> substituted (1.1.2024) by <Citation URI="http://www.legislation.gov.uk/id/uksi/2023/1424" id="c8uchjp35-00007" Class="UnitedKingdomStatutoryInstrument" Year="2023" Number="1424" Title="The Retained EU Law (Revocation and Reform) Act 2023 (Consequential Amendment) Regulations 2023">The Retained EU Law (Revocation and Reform) Act 2023 (Consequential Amendment) Regulations 2023 (S.I. 2023/1424)</Citation>, <CitationSubRef CitationRef="c8uchjp35-00007" id="c8uchjp35-00008" SectionRef="regulation-1-2" URI="http://www.legislation.gov.uk/id/uksi/2023/1424/regulation/1/2">reg. 1(2)</CitationSubRef>, <CitationSubRef CitationRef="c8uchjp35-00007" id="c8uchjp35-00009" SectionRef="schedule-paragraph-84-2-b" URI="http://www.legislation.gov.uk/id/uksi/2023/1424/schedule/paragraph/84/2/b" Operative="true">Sch. para. 84(2)(b)</CitationSubRef></Text></Para></Commentary><Commentary id="key-82eb172e140efbc1f421d273b6ba5929" Type="I"><Para><Text>S. 74 in force at 1.10.2015  by <Citation URI="http://www.legislation.gov.uk/id/uksi/2015/1630" id="c2lk5h0f2-00791" Class="UnitedKingdomStatutoryInstrument" Year="2015" Number="1630" Title="The Consumer Rights Act 2015 (Commencement No. 3, Transitional Provisions, Savings and Consequential Amendments) Order 2015">S.I. 2015/1630</Citation>, <CitationSubRef CitationRef="c2lk5h0f2-00791" id="c2lk5h0f2-00792" URI="http://www.legislation.gov.uk/id/uksi/2015/1630/article/3/c" SectionRef="article-3-c" Operative="true">art. 3(c)</CitationSubRef> (with <CitationSubRef CitationRef="c2lk5h0f2-00791" id="c2lk5h0f2-00793" URI="http://www.legislation.gov.uk/id/uksi/2015/1630/article/6/1" SectionRef="article-6-1">art. 6(1)</CitationSubRef>)</Text></Para></Commentary><Commentary id="key-b28e520d735c16cdb1d6187b37e009b9" Type="F"><Para><Text>Words in s. 74(2) omitted (31.12.2020) by virtue of <Citation URI="http://www.legislation.gov.uk/id/uksi/2018/1326" id="c5us02cq4-00022" Class="UnitedKingdomStatutoryInstrument" Year="2018" Number="1326" Title="The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018">The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018 (S.I. 2018/1326)</Citation>, <CitationSubRef CitationRef="c5us02cq4-00022" id="c5us02cq4-00023" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5us02cq4-00022" id="c5us02cq4-00024" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/3/5/c" SectionRef="regulation-3-5-c" Operative="true">3(5)(c)</CitationSubRef> (with <CitationSubRef CitationRef="c5us02cq4-00022" id="c5us02cq4-00025" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/11" SectionRef="regulation-11">reg. 11</CitationSubRef>) (as amended by <Citation URI="http://www.legislation.gov.uk/id/uksi/2020/1347" id="c5us02cq4-00026" Class="UnitedKingdomStatutoryInstrument" Year="2020" Number="1347">S.I. 2020/1347</Citation>, <CitationSubRef CitationRef="c5us02cq4-00026" id="c5us02cq4-00027" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5us02cq4-00026" id="c5us02cq4-00028" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/4/8" SectionRef="regulation-4-8">4(8)</CitationSubRef>); <Citation URI="http://www.legislation.gov.uk/id/ukpga/2020/1" id="c5us02cq4-00029" Year="2020" Class="UnitedKingdomPublicGeneralAct" Number="1">2020 c. 1</Citation>, <CitationSubRef CitationRef="c5us02cq4-00029" id="c5us02cq4-00030" URI="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1" SectionRef="schedule-5-paragraph-1-1">Sch. 5 para. 1(1)</CitationSubRef></Text></Para></Commentary><Commentary id="key-c4bd2d4137027dcb8fc6e00325abfcd7" Type="F"><Para><Text>Words in s. 74(1)(a) substituted (31.12.2020) by <Citation URI="http://www.legislation.gov.uk/id/uksi/2018/1326" id="c5us02cq4-00007" Class="UnitedKingdomStatutoryInstrument" Year="2018" Number="1326" Title="The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018">The Consumer Protection (Amendment etc.) (EU Exit) Regulations 2018 (S.I. 2018/1326)</Citation>, <CitationSubRef CitationRef="c5us02cq4-00007" id="c5us02cq4-00008" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5us02cq4-00007" id="c5us02cq4-00009" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/3/5/b" SectionRef="regulation-3-5-b" Operative="true">3(5)(b)</CitationSubRef> (with <CitationSubRef CitationRef="c5us02cq4-00007" id="c5us02cq4-00010" URI="http://www.legislation.gov.uk/id/uksi/2018/1326/regulation/11" SectionRef="regulation-11">reg. 11</CitationSubRef>) (as amended by <Citation URI="http://www.legislation.gov.uk/id/uksi/2020/1347" id="c5us02cq4-00011" Class="UnitedKingdomStatutoryInstrument" Year="2020" Number="1347">S.I. 2020/1347</Citation>, <CitationSubRef CitationRef="c5us02cq4-00011" id="c5us02cq4-00012" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/1/3" SectionRef="regulation-1-3">regs. 1(3)</CitationSubRef>, <CitationSubRef CitationRef="c5us02cq4-00011" id="c5us02cq4-00013" URI="http://www.legislation.gov.uk/id/uksi/2020/1347/regulation/4/8" SectionRef="regulation-4-8">4(8)</CitationSubRef>); <Citation URI="http://www.legislation.gov.uk/id/ukpga/2020/1" id="c5us02cq4-00014" Year="2020" Class="UnitedKingdomPublicGeneralAct" Number="1">2020 c. 1</Citation>, <CitationSubRef CitationRef="c5us02cq4-00014" id="c5us02cq4-00015" URI="http://www.legislation.gov.uk/id/ukpga/2020/1/schedule/5/paragraph/1/1" SectionRef="schedule-5-paragraph-1-1">Sch. 5 para. 1(1)</CitationSubRef></Text></Para></Commentary></Commentaries></Legislation>