{
  "url": "https://openlegislation.uk/consumer-credit-act-1974-commencement-no-4-order-1977/schedule/paragraph-45",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974-commencement-no-4-order-1977/schedule/paragraph-45.json",
  "legislation": "uksi/1977/2163",
  "legislation_title": "The Consumer Credit Act 1974 (Commencement No. 4) Order 1977",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-1974-commencement-no-4-order-1977",
  "path": "schedule/paragraph/45",
  "kind": "paragraph",
  "number": "45",
  "heading": null,
  "text": "Section 148(1) does not apply to an agreement made in the course of any business before 3rd August 1976 in the case of any business so far as it comprises or relates to—\n(a) debt-adjusting,\n(b) debt-counselling,\n(c) debt-collecting, or\n(d) the operation of a credit reference agency,\nor before 1st July 1978 in the case of an ancillary credit business of a description to which subparagraph (1A) of paragraph 44 applies or before the day appointed for the purposes of that paragraph in the case of an ancillary credit business to which subparagraph (1B) of that paragraph applies.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1977/2163/schedule/paragraph/45",
    "retrieved_at": "2026-10-29T19:42:43.392706+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}