Consumer Credit Act 1974 (c. 39) Consumer Credit Act 1974 (c. 39) Changes not yet applied. Later legislation changes this provision in ways not yet written into the text below: Sch. 4 para. 2 repealed by Planning (Consequential Provisions) (Scotland) Act 1997 s. 3 Sch. 1 Pt. 1 4Paragraph 4 Consumer Credit Act 1974 (c. 39)