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Introductory Text
PART I PRELIMINARY
1.Citation, commencement, interpretation and revocation
PART II FORM AND CONTENT OF ADVERTISEMENTS
2.General rules
3.Representative terms
PART III SPECIAL PROVISIONS FOR CREDIT ADVERTISEMENTS
4.Credit advertisements in dealers' publications covering a calendar or seasonal period
5.Full credit advertisements in dealers' publications
6.Credit advertisements on the premises of a dealer
7.Restrictions on certain expressions in credit advertisements
8.Prominence to be afforded to the APR in credit advertisements and wording of prescribed information
PART IV GENERAL
9.Application of Regulations
10.Transitional provisions
Signature
SCHEDULE 1
INFORMATION IN CREDIT ADVERTISEMENTS
PART I maximum information that may be contained in simple credit advertisementsin whole or in part
1.Name
2.Logo
3.Address
4.Telephone number
5.Occupation
6.Other information
PART II maximum information to be contained in intermediate credit advertisementsCompulsory information
1.Name and address or telephone number
2.Security
3.Insurance
4.Deposit of money in an account
5.Credit-broker’s fee
6.Information about terms of business
7.APR
8.Cash price
9.Foreign currency mortgages
10.Optional information
PART III minimum information to be contained in full credit advertisements
1.Name and address
6.Quotation
8.Restricted offers of credit to class or group of persons
9.Nature of security not affecting debtor’s home
10.Frequency, number and amount of advance payments
11.Different treatment of cash and credit purchasers
12.Frequency, number and amount of repayments of credit
13.Other payments and charges
14.Total amount payable by the debtor
15.Cash price
16.Foreign currency mortgages
SCHEDULE 2
INFORMATION IN HIRE ADVERTISEMENTS
PART I maximum information that may be contained in simple hire advertisementsin whole or in part
PART II maximum information to be contained in intermediate hire advertisementsCompulsory information
2.Nature of transaction
3.Security
4.Insurance
5.Deposit of money in an account
6.Credit-broker’s fee
7.Information about terms of business
8.Optional information
PART III minimum information to be contained in full hire advertisement
7.Quotation
8.Restricted offers of hire facilities to class or group of persons
9.Nature of security not affecting hirer’s home
1.Duration of hire
12.Frequency and amount of hire payments
14.Variable payments and charges
SCHEDULE 3
PROVISIONS RELATING TO DISCLOSURE OF THE TOTAL CHARGE FOR CREDIT AND THE APR
1.Use of representative information in calculation of the total charge for credit and the APR
2.Permissible tolerances in disclosure of the APR
3.Tolerance where repayments are nearly equal
4.Tolerance where interval between relevant date and first repayment is greater than interval between repayments
5.Tolerance where Consumer credit tables do not exactly apply
6.Tolerance where period rate of charge is charged
SCHEDULE 4
REVOCATIONS
Explanatory Note