{
  "url": "https://openlegislation.uk/consumer-credit-act-1974",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974.json",
  "id": "ukpga/1974/39",
  "title": "Consumer Credit Act 1974",
  "short_title": "Consumer Credit Act 1974",
  "long_title": "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.",
  "citation": "1974 c. 39",
  "type": "ukpga",
  "year": "1974",
  "number": "39",
  "version": "current",
  "date": "1974-07-31",
  "revised": true,
  "valid_from": "2026-09-30",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 5,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/I",
      "kind": "part",
      "number": "I",
      "heading": "OFFICE OF FAIR TRADING",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "section/1",
      "kind": "section",
      "number": "1",
      "heading": "General functions of OFT.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-1",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/2",
      "kind": "section",
      "number": "2",
      "heading": "Powers of Secretary of State.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-2",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/3",
      "kind": "section",
      "number": "3",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-3",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/4",
      "kind": "section",
      "number": "4",
      "heading": "Dissemination of information and advice.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-4",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/5",
      "kind": "section",
      "number": "5",
      "heading": "Annual and other reports.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-5",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/6",
      "kind": "section",
      "number": "6",
      "heading": "Form etc. of applications.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-6",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/6A",
      "kind": "section",
      "number": "6A",
      "heading": "Charge on applicants for licences etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-6A",
      "extent": null,
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "section/7",
      "kind": "section",
      "number": "7",
      "heading": "Penalty for false information.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-7",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/I"
    },
    {
      "path": "part/II",
      "kind": "part",
      "number": "II",
      "heading": "Credit Agreements, Hire Agreements and Linked Transactions",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "section/8",
      "kind": "section",
      "number": "8",
      "heading": "Consumer credit agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/9",
      "kind": "section",
      "number": "9",
      "heading": "Meaning of credit.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-9",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/10",
      "kind": "section",
      "number": "10",
      "heading": "Running-account credit and fixed-sum credit.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/11",
      "kind": "section",
      "number": "11",
      "heading": "Restricted-use credit and unrestricted-use credit.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-11",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/12",
      "kind": "section",
      "number": "12",
      "heading": "Debtor-creditor supplier agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-12",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/13",
      "kind": "section",
      "number": "13",
      "heading": "Debtor-creditor agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-13",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/14",
      "kind": "section",
      "number": "14",
      "heading": "Credit-token agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-14",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/15",
      "kind": "section",
      "number": "15",
      "heading": "Consumer hire agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/16",
      "kind": "section",
      "number": "16",
      "heading": "Exempt agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-16",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "section/16A",
      "kind": "section",
      "number": "16A",
      "heading": "Exemption relating to high net worth debtors and hirers",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-16A",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "section/16B",
      "kind": "section",
      "number": "16B",
      "heading": "Exemption relating to businesses",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-16B",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "section/16C",
      "kind": "section",
      "number": "16C",
      "heading": "Exemption relating to investment properties",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-16C",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "section/17",
      "kind": "section",
      "number": "17",
      "heading": "Small agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/18",
      "kind": "section",
      "number": "18",
      "heading": "Multiple agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-18",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/19",
      "kind": "section",
      "number": "19",
      "heading": "Linked transactions.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-19",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "section/20",
      "kind": "section",
      "number": "20",
      "heading": "Total charge for credit",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-20",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "part/III",
      "kind": "part",
      "number": "III",
      "heading": "Licensing of Credit and Hire Businesses",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/III/crossheading/licensing-principles",
      "kind": "crossheading",
      "number": null,
      "heading": "Licensing principles",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/21",
      "kind": "section",
      "number": "21",
      "heading": "Businesses needing a licence.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-21",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/22",
      "kind": "section",
      "number": "22",
      "heading": "Standard and group licences.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-22",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/23",
      "kind": "section",
      "number": "23",
      "heading": "Authorisation of specific activities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-23",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/24",
      "kind": "section",
      "number": "24",
      "heading": "Control of name of business.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-24",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/24A",
      "kind": "section",
      "number": "24A",
      "heading": "Applications for standard licences",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-24A",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/25",
      "kind": "section",
      "number": "25",
      "heading": "Licensee to be a fit person.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-25",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/25A",
      "kind": "section",
      "number": "25A",
      "heading": "Guidance on fitness test",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-25A",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "section/26",
      "kind": "section",
      "number": "26",
      "heading": "Conduct of business",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-26",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/licensing-principles"
    },
    {
      "path": "part/III/crossheading/issue-of-licences",
      "kind": "crossheading",
      "number": null,
      "heading": "Issue of licences",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/27",
      "kind": "section",
      "number": "27",
      "heading": "Determination of applications.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-27",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/issue-of-licences"
    },
    {
      "path": "section/27A",
      "kind": "section",
      "number": "27A",
      "heading": "Consumer credit EEA firms",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-27A",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/issue-of-licences"
    },
    {
      "path": "section/28",
      "kind": "section",
      "number": "28",
      "heading": "Exclusion from group licence.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-28",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/issue-of-licences"
    },
    {
      "path": "part/III/crossheading/charges-for-indefinite-licences",
      "kind": "crossheading",
      "number": null,
      "heading": "Charges for indefinite licences",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/28A",
      "kind": "section",
      "number": "28A",
      "heading": "Charges to be paid by licensees etc. before end of payment periods",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-28A",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/charges-for-indefinite-licences"
    },
    {
      "path": "section/28B",
      "kind": "section",
      "number": "28B",
      "heading": "Extension of period to pay charge under s. 28A",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-28B",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/charges-for-indefinite-licences"
    },
    {
      "path": "section/28C",
      "kind": "section",
      "number": "28C",
      "heading": "Failure to pay charge under s. 28A",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-28C",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/charges-for-indefinite-licences"
    },
    {
      "path": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences",
      "kind": "crossheading",
      "number": null,
      "heading": "Renewal, variation, suspension and revocation of licences",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/29",
      "kind": "section",
      "number": "29",
      "heading": "Renewal.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-29",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/30",
      "kind": "section",
      "number": "30",
      "heading": "Variation by request.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-30",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/31",
      "kind": "section",
      "number": "31",
      "heading": "Compulsory variation.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-31",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/32",
      "kind": "section",
      "number": "32",
      "heading": "...revocation.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-32",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/32A",
      "kind": "section",
      "number": "32A",
      "heading": "Power to suspend licence",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-32A",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/32B",
      "kind": "section",
      "number": "32B",
      "heading": "Duration of suspension",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-32B",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "section/33",
      "kind": "section",
      "number": "33",
      "heading": "Application to end suspension.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/renewal-variation-suspension-and-revocation-of-licences"
    },
    {
      "path": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc",
      "kind": "crossheading",
      "number": null,
      "heading": "Further powers of OFT to regulate conduct of licensees etc.",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/33A",
      "kind": "section",
      "number": "33A",
      "heading": "Power of OFT to impose requirements on licensees",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33A",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/33B",
      "kind": "section",
      "number": "33B",
      "heading": "Power of OFT to impose requirements on supervisory bodies",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33B",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/33C",
      "kind": "section",
      "number": "33C",
      "heading": "Supplementary provision relating to requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33C",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/33D",
      "kind": "section",
      "number": "33D",
      "heading": "Procedure in relation to requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33D",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/33E",
      "kind": "section",
      "number": "33E",
      "heading": "Guidance on requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-33E",
      "extent": null,
      "status": "repealed",
      "parent": "part/III/crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "part/III/crossheading/miscellaneous",
      "kind": "crossheading",
      "number": null,
      "heading": "Miscellaneous",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "section/34",
      "kind": "section",
      "number": "34",
      "heading": "Representations to OFT.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-34",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/miscellaneous"
    },
    {
      "path": "section/34ZA",
      "kind": "section",
      "number": "34ZA",
      "heading": "Representations to OFT: suspension under section 32A",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-34ZA",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/miscellaneous"
    },
    {
      "path": "section/34A",
      "kind": "section",
      "number": "34A",
      "heading": "Winding-up of standard licensee's business",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-34A",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/miscellaneous"
    },
    {
      "path": "section/35",
      "kind": "section",
      "number": "35",
      "heading": "The register.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-35",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III/crossheading/miscellaneous"
    },
    {
      "path": "section/36",
      "kind": "section",
      "number": "36",
      "heading": "Duty to notify changes.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-36",
      "extent": "E+W+S+N.I.",
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      "number": "42",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
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      "path": "part/IV",
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      "heading": "Seeking Business",
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    {
      "path": "part/IV/crossheading/advertising",
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      "path": "section/43",
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      "path": "part/IV/crossheading/canvassing-etc",
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      "path": "part/V",
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    {
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      "heading": "Cancellation: recovery of money paid by debtor or hirer.",
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      "heading": "Cancellation: repayment of credit.",
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      "heading": "Cancellation: return of goods.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-72",
      "extent": null,
      "status": null,
      "parent": "part/V/crossheading/cancellation-of-certain-agreements-within-coolingoff-period"
    },
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      "path": "section/73",
      "kind": "section",
      "number": "73",
      "heading": "Cancellation: goods given in part-exchange.",
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      "extent": null,
      "status": null,
      "parent": "part/V/crossheading/cancellation-of-certain-agreements-within-coolingoff-period"
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      "path": "part/V/crossheading/exclusion-of-certain-agreements-from-part-v",
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      "number": null,
      "heading": "Exclusion of certain agreements from Part V",
      "url": null,
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    {
      "path": "section/74",
      "kind": "section",
      "number": "74",
      "heading": "Exclusion of certain agreements from Part V.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-74",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/V/crossheading/exclusion-of-certain-agreements-from-part-v"
    },
    {
      "path": "part/VA",
      "kind": "part",
      "number": "VA",
      "heading": "CURRENT ACCOUNT OVERDRAFTS",
      "url": null,
      "extent": "E+W+S+N.I.",
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      "parent": null
    },
    {
      "path": "section/74A",
      "kind": "section",
      "number": "74A",
      "heading": "Information to be provided on a current account agreement",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-74A",
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      "status": "repealed",
      "parent": "part/VA"
    },
    {
      "path": "section/74B",
      "kind": "section",
      "number": "74B",
      "heading": "Information to be provided on significant overdrawing without prior arrangement",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-74B",
      "extent": null,
      "status": "repealed",
      "parent": "part/VA"
    },
    {
      "path": "part/VI",
      "kind": "part",
      "number": "VI",
      "heading": "Matters Arising During Currency of Credit or Hire Agreements",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "section/75",
      "kind": "section",
      "number": "75",
      "heading": "Liability of creditor for breaches by supplier.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-75",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/75A",
      "kind": "section",
      "number": "75A",
      "heading": "Further provision for liability of creditor for breaches by supplier",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-75A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/76",
      "kind": "section",
      "number": "76",
      "heading": "Duty to give notice before taking certain action.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-76",
      "extent": null,
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/77",
      "kind": "section",
      "number": "77",
      "heading": "Duty to give information to debtor under fixed-sum credit agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-77",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/77A",
      "kind": "section",
      "number": "77A",
      "heading": "Statements to be provided in relation to fixed-sum credit agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-77A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/77B",
      "kind": "section",
      "number": "77B",
      "heading": "Fixed-sum credit agreement: statement of account to be provided on request",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-77B",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/78",
      "kind": "section",
      "number": "78",
      "heading": "Duty to give information to debtor under running-account credit agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-78",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/78A",
      "kind": "section",
      "number": "78A",
      "heading": "Duty to give information to debtor on change of rate of interest",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-78A",
      "extent": null,
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/79",
      "kind": "section",
      "number": "79",
      "heading": "Duty to give hirer information.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-79",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/80",
      "kind": "section",
      "number": "80",
      "heading": "Debtor or hirer to give information about goods.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-80",
      "extent": null,
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/81",
      "kind": "section",
      "number": "81",
      "heading": "Appropriation of payments.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-81",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
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    },
    {
      "path": "section/82",
      "kind": "section",
      "number": "82",
      "heading": "Variation of agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-82",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/82A",
      "kind": "section",
      "number": "82A",
      "heading": "Assignment of rights",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-82A",
      "extent": "E+W+S+N.I.",
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      "parent": "part/VI"
    },
    {
      "path": "section/83",
      "kind": "section",
      "number": "83",
      "heading": "Liability for misuse of credit facilities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-83",
      "extent": null,
      "status": null,
      "parent": "part/VI"
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    {
      "path": "section/84",
      "kind": "section",
      "number": "84",
      "heading": "Misuse of credit-tokens.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-84",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/85",
      "kind": "section",
      "number": "85",
      "heading": "Duty on issue of new credit-tokens.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-85",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/86",
      "kind": "section",
      "number": "86",
      "heading": "Death of debtor or hirer.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86",
      "extent": null,
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "part/VI/crossheading/information-sheets",
      "kind": "crossheading",
      "number": null,
      "heading": "Information sheets",
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      "extent": null,
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/86A",
      "kind": "section",
      "number": "86A",
      "heading": "FCA to prepare information sheets on arrears and default",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI/crossheading/information-sheets"
    },
    {
      "path": "part/VI/crossheading/sums-in-arrears-and-default-sums",
      "kind": "crossheading",
      "number": null,
      "heading": "Sums in arrears and default sums",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "section/86B",
      "kind": "section",
      "number": "86B",
      "heading": "Notice of sums in arrears under fixed-sum credit agreements etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86B",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI/crossheading/sums-in-arrears-and-default-sums"
    },
    {
      "path": "section/86C",
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      "number": "86C",
      "heading": "Notice of sums in arrears under running-account credit agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86C",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI/crossheading/sums-in-arrears-and-default-sums"
    },
    {
      "path": "section/86D",
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      "number": "86D",
      "heading": "Failure to give notice of sums in arrears",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86D",
      "extent": null,
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      "parent": "part/VI/crossheading/sums-in-arrears-and-default-sums"
    },
    {
      "path": "section/86E",
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      "number": "86E",
      "heading": "Notice of default sums",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86E",
      "extent": null,
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      "parent": "part/VI/crossheading/sums-in-arrears-and-default-sums"
    },
    {
      "path": "section/86F",
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      "number": "86F",
      "heading": "Interest on default sums",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-86F",
      "extent": null,
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      "parent": "part/VI/crossheading/sums-in-arrears-and-default-sums"
    },
    {
      "path": "part/VII",
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      "number": "VII",
      "heading": "Default and Termination",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "part/VII/crossheading/default-notices",
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      "number": null,
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    {
      "path": "section/87",
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      "number": "87",
      "heading": "Need for default notice.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-87",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/default-notices"
    },
    {
      "path": "section/88",
      "kind": "section",
      "number": "88",
      "heading": "Contents and effect of default notice.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-88",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/default-notices"
    },
    {
      "path": "section/89",
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      "number": "89",
      "heading": "Compliance with default notice.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-89",
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      "parent": "part/VII/crossheading/default-notices"
    },
    {
      "path": "part/VII/crossheading/further-restriction-of-remedies-for-default",
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      "number": null,
      "heading": "Further restriction of remedies for default",
      "url": null,
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    },
    {
      "path": "section/90",
      "kind": "section",
      "number": "90",
      "heading": "Retaking of protected hire-purchase etc. goods.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-90",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/further-restriction-of-remedies-for-default"
    },
    {
      "path": "section/91",
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      "number": "91",
      "heading": "Consequences of breach of s. 90.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-91",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/further-restriction-of-remedies-for-default"
    },
    {
      "path": "section/92",
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      "number": "92",
      "heading": "Recovery of possession of goods or land.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-92",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/further-restriction-of-remedies-for-default"
    },
    {
      "path": "section/93",
      "kind": "section",
      "number": "93",
      "heading": "Interest not to be increased on default.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-93",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/further-restriction-of-remedies-for-default"
    },
    {
      "path": "section/93A",
      "kind": "section",
      "number": "93A",
      "heading": "Summary diligence not competent in Scotland.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-93A",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/further-restriction-of-remedies-for-default"
    },
    {
      "path": "part/VII/crossheading/early-payment-by-debtor",
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      "number": null,
      "heading": "Early payment by debtor",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII"
    },
    {
      "path": "section/94",
      "kind": "section",
      "number": "94",
      "heading": "Right to complete payments ahead of time.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-94",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/95",
      "kind": "section",
      "number": "95",
      "heading": "Rebate on early settlement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-95",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/95A",
      "kind": "section",
      "number": "95A",
      "heading": "Compensatory amount",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-95A",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/95B",
      "kind": "section",
      "number": "95B",
      "heading": "Compensatory amount: green deal finance",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-95B",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/96",
      "kind": "section",
      "number": "96",
      "heading": "Effect on linked transactions.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-96",
      "extent": null,
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      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/97",
      "kind": "section",
      "number": "97",
      "heading": "Duty to give information.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-97",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "section/97A",
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      "number": "97A",
      "heading": "Duty to give information on partial repayment",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-97A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/early-payment-by-debtor"
    },
    {
      "path": "part/VII/crossheading/termination-of-agreements",
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      "heading": "Termination of agreements",
      "url": null,
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      "status": null,
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    },
    {
      "path": "section/98",
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      "number": "98",
      "heading": "Duty to give notice of termination (non-default cases).",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-98",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/98A",
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      "number": "98A",
      "heading": "Termination etc of open-end consumer credit agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-98A",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/99",
      "kind": "section",
      "number": "99",
      "heading": "Right to terminate hire-purchase etc. agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-99",
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      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
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    {
      "path": "section/100",
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      "heading": "Liability of debtor on termination of hire-purchase etc. agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-100",
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      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/101",
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      "number": "101",
      "heading": "Right to terminate hire agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-101",
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      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/102",
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      "heading": "Agency for receiving notice of rescission.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-102",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/103",
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      "heading": "Termination statements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-103",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "section/104",
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      "number": "104",
      "heading": "Goods not to be treated as subject to landlord’s hypothec in Scotland.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-104",
      "extent": null,
      "status": null,
      "parent": "part/VII/crossheading/termination-of-agreements"
    },
    {
      "path": "part/VIII",
      "kind": "part",
      "number": "VIII",
      "heading": "Security",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/VIII/crossheading/general",
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      "parent": "part/VIII"
    },
    {
      "path": "section/105",
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      "number": "105",
      "heading": "Form and content of securities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-105",
      "extent": null,
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/106",
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      "number": "106",
      "heading": "Ineffective securities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-106",
      "extent": null,
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      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/107",
      "kind": "section",
      "number": "107",
      "heading": "Duty to give information to surety under fixed-sum credit agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-107",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/108",
      "kind": "section",
      "number": "108",
      "heading": "Duty to give information to surety under running-account credit agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-108",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/109",
      "kind": "section",
      "number": "109",
      "heading": "Duty to give information to surety under consumer hire agreement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-109",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/110",
      "kind": "section",
      "number": "110",
      "heading": "Duty to give information to debtor or hirer.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-110",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/111",
      "kind": "section",
      "number": "111",
      "heading": "Duty to give surety copy of default etc. notice.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-111",
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      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/112",
      "kind": "section",
      "number": "112",
      "heading": "Realisation of securities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-112",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "section/113",
      "kind": "section",
      "number": "113",
      "heading": "Act not to be evaded by use of security.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-113",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/general"
    },
    {
      "path": "part/VIII/crossheading/pledges",
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      "number": null,
      "heading": "Pledges",
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      "parent": "part/VIII"
    },
    {
      "path": "section/114",
      "kind": "section",
      "number": "114",
      "heading": "Pawn-receipts.",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/115",
      "kind": "section",
      "number": "115",
      "heading": "Penalty for failure to supply copies of pledge agreement, etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-115",
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      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/116",
      "kind": "section",
      "number": "116",
      "heading": "Redemption period.",
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      "extent": null,
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      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/117",
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      "heading": "Redemption procedure.",
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      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/118",
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      "number": "118",
      "heading": "Loss etc. of pawn-receipt.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-118",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/119",
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      "number": "119",
      "heading": "Unreasonable refusal to deliver pawn.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-119",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/120",
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      "number": "120",
      "heading": "Consequence of failure to redeem.",
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      "status": null,
      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/121",
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      "number": "121",
      "heading": "Realisation of pawn.",
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      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "section/122",
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      "number": "122",
      "heading": "Order in Scotland to deliver pawn.",
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      "extent": null,
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      "parent": "part/VIII/crossheading/pledges"
    },
    {
      "path": "part/VIII/crossheading/negotiable-instruments",
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      "heading": "Negotiable instruments",
      "url": null,
      "extent": null,
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    },
    {
      "path": "section/123",
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      "number": "123",
      "heading": "Restrictions on taking and negotiating instruments.",
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      "status": null,
      "parent": "part/VIII/crossheading/negotiable-instruments"
    },
    {
      "path": "section/124",
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      "heading": "Consequences of breach of s. 123.",
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      "parent": "part/VIII/crossheading/negotiable-instruments"
    },
    {
      "path": "section/125",
      "kind": "section",
      "number": "125",
      "heading": "Holders in due course.",
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      "parent": "part/VIII/crossheading/negotiable-instruments"
    },
    {
      "path": "part/VIII/crossheading/land-mortgages",
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      "number": null,
      "heading": "Land mortgages",
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      "extent": null,
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      "parent": "part/VIII"
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    {
      "path": "section/126",
      "kind": "section",
      "number": "126",
      "heading": "Enforcement of land mortgages.",
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      "status": null,
      "parent": "part/VIII/crossheading/land-mortgages"
    },
    {
      "path": "part/IX",
      "kind": "part",
      "number": "IX",
      "heading": "Judicial Control",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/IX/crossheading/enforcement-of-certain-regulated-agreements-and-securities",
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      "heading": "Enforcement of certain regulated agreements and securities",
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      "parent": "part/IX"
    },
    {
      "path": "section/127",
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      "number": "127",
      "heading": "Enforcement orders in cases of infringement.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-127",
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      "status": null,
      "parent": "part/IX/crossheading/enforcement-of-certain-regulated-agreements-and-securities"
    },
    {
      "path": "section/128",
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      "number": "128",
      "heading": "Enforcement orders on death of debtor or hirer.",
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      "parent": "part/IX/crossheading/enforcement-of-certain-regulated-agreements-and-securities"
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      "path": "part/IX/crossheading/extension-of-time",
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      "heading": "Extension of time",
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    },
    {
      "path": "section/129",
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      "number": "129",
      "heading": "Time orders.",
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      "status": null,
      "parent": "part/IX/crossheading/extension-of-time"
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      "path": "section/129A",
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      "number": "129A",
      "heading": "Debtor or hirer to give notice of intent etc. to creditor or owner",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-129A",
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    {
      "path": "section/130",
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      "number": "130",
      "heading": "Supplemental provisions about time orders.",
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      "path": "part/IX/crossheading/interest",
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      "heading": "Interest",
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    },
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      "path": "section/130A",
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      "heading": "Interest payable on judgment debts etc.",
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      "parent": "part/IX/crossheading/interest"
    },
    {
      "path": "part/IX/crossheading/protection-of-property-pending-proceedings",
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      "heading": "Protection of property pending proceedings",
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    },
    {
      "path": "section/131",
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      "heading": "Protection orders.",
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      "extent": null,
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      "parent": "part/IX/crossheading/protection-of-property-pending-proceedings"
    },
    {
      "path": "part/IX/crossheading/hire-and-hirepurchase-etc-agreements",
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      "heading": "Hire and hire-purchase etc. agreements",
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    },
    {
      "path": "section/132",
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      "number": "132",
      "heading": "Financial relief for hirer.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-132",
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      "parent": "part/IX/crossheading/hire-and-hirepurchase-etc-agreements"
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    {
      "path": "section/133",
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      "number": "133",
      "heading": "Hire-purchase etc. agreements: special powers of court.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-133",
      "extent": null,
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      "parent": "part/IX/crossheading/hire-and-hirepurchase-etc-agreements"
    },
    {
      "path": "section/134",
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      "number": "134",
      "heading": "Evidence of adverse detention in hire-purchase etc. cases.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-134",
      "extent": null,
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      "parent": "part/IX/crossheading/hire-and-hirepurchase-etc-agreements"
    },
    {
      "path": "part/IX/crossheading/supplemental-provisions-as-to-orders",
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      "heading": "Supplemental provisions as to orders",
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    },
    {
      "path": "section/135",
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      "number": "135",
      "heading": "Power to impose conditions, or suspend operation of order.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-135",
      "extent": null,
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      "parent": "part/IX/crossheading/supplemental-provisions-as-to-orders"
    },
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      "path": "section/136",
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      "number": "136",
      "heading": "Power to vary agreements and securities.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-136",
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      "parent": "part/IX/crossheading/supplemental-provisions-as-to-orders"
    },
    {
      "path": "part/IX/crossheading/extortionate-credit-bargains",
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      "heading": "Extortionate credit bargains",
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    },
    {
      "path": "section/137",
      "kind": "section",
      "number": "137",
      "heading": "Extortionate credit bargains.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-137",
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      "parent": "part/IX/crossheading/extortionate-credit-bargains"
    },
    {
      "path": "section/138",
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      "number": "138",
      "heading": "When bargains are extortionate.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-138",
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      "parent": "part/IX/crossheading/extortionate-credit-bargains"
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    {
      "path": "section/139",
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      "heading": "Reopening of extortionate agreements.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-139",
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      "parent": "part/IX/crossheading/extortionate-credit-bargains"
    },
    {
      "path": "section/140",
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      "number": "140",
      "heading": "Interpretation of sections 137 to 139.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-140",
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      "parent": "part/IX/crossheading/extortionate-credit-bargains"
    },
    {
      "path": "part/IX/crossheading/unfair-relationships",
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      "heading": "Unfair relationships",
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      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "section/140A",
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      "heading": "Unfair relationships between creditors and debtors",
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      "status": null,
      "parent": "part/IX/crossheading/unfair-relationships"
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      "path": "section/140B",
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      "heading": "Powers of court in relation to unfair relationships",
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      "parent": "part/IX/crossheading/unfair-relationships"
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    {
      "path": "section/140C",
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      "parent": "part/IX/crossheading/unfair-relationships"
    },
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      "path": "section/140D",
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      "number": "140D",
      "heading": "Advice and information",
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      "parent": "part/IX/crossheading/unfair-relationships"
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    {
      "path": "part/IX/crossheading/miscellaneous",
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      "path": "section/141",
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      "heading": "Jurisdiction and parties.",
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      "path": "section/142",
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    {
      "path": "part/IX/crossheading/northern-ireland",
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      "path": "section/143",
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      "heading": "Jurisdiction of county court in Northern Ireland.",
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    {
      "path": "section/144",
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      "heading": "Appeal from county court in Northern Ireland.",
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      "parent": "part/IX/crossheading/northern-ireland"
    },
    {
      "path": "part/X",
      "kind": "part",
      "number": "X",
      "heading": "Ancillary Credit Businesses",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/X/crossheading/definitions",
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      "parent": "part/X"
    },
    {
      "path": "section/145",
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      "number": "145",
      "heading": "Types of ancillary credit business.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-145",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/X/crossheading/definitions"
    },
    {
      "path": "section/146",
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      "number": "146",
      "heading": "Exceptions from section 145.",
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      "parent": "part/X/crossheading/definitions"
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    {
      "path": "part/X/crossheading/licensing",
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      "heading": "...",
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      "parent": "part/X"
    },
    {
      "path": "section/147",
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      "number": "147",
      "heading": "Application of Part III.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-147",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/X/crossheading/licensing"
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    {
      "path": "section/148",
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      "number": "148",
      "heading": "Agreement for services of unlicensed trader.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-148",
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      "parent": "part/X/crossheading/licensing"
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    {
      "path": "section/149",
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      "number": "149",
      "heading": "Regulated agreements made on introductions by unlicensed credit-broker.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-149",
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      "parent": "part/X/crossheading/licensing"
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      "path": "section/150",
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      "heading": "Appeals to Secretary of State against licensing decisions.",
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      "parent": "part/X/crossheading/licensing"
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    {
      "path": "part/X/crossheading/seeking-business",
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      "heading": "Seeking business",
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    {
      "path": "section/151",
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      "heading": "Advertisements.",
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      "parent": "part/X/crossheading/seeking-business"
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    {
      "path": "section/152",
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      "number": "152",
      "heading": "Application of sections 52 to 54 to credit brokerage etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-152",
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      "parent": "part/X/crossheading/seeking-business"
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    {
      "path": "section/153",
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      "number": "153",
      "heading": "Definition of canvassing off trade premises (agreements for ancillary credit services).",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-153",
      "extent": null,
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      "parent": "part/X/crossheading/seeking-business"
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    {
      "path": "section/154",
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      "heading": "Prohibition of canvassing certain ancillary credit services off trade premises.",
      "url": "https://openlegislation.uk/consumer-credit-act-1974/section-154",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/X/crossheading/seeking-business"
    },
    {
      "path": "section/155",
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      "number": "155",
      "heading": "Right to recover brokerage fees.",
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      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/X/crossheading/seeking-business"
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    {
      "path": "part/X/crossheading/entry-into-agreements",
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    "retrieved_at": "2026-10-29T10:43:44.026464+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."
}