{
  "url": "https://openlegislation.uk/consumer-credit-act-1974/schedule-1",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974/schedule-1.json",
  "legislation": "ukpga/1974/39",
  "legislation_title": "Consumer Credit Act 1974",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-1974",
  "path": "schedule/1",
  "kind": "schedule",
  "number": "1",
  "heading": "Prosecution and Punishment of Offences",
  "text": "1\n2\n3\n4\nSection\nOffence\nMode of prosecution\nImprisonment or fine\n. . .\n... .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n49(1)\nCanvassing debtor-creditor agreements off trade premises.\n(a) Summarily.\n£400.\n(b) On indictment.\n1 year or a fine or both.\n49(2)\nSoliciting debtor-creditor agreements during visits made in response to previous oral requests.\n(a) Summarily.\n£400.\n(b) On indictment.\n1 year or a fine or both.\n50(1)\nSending circulars to minors.\n(a) Summarily.\n£400.\n(b) On indictment.\n1 year or a fine or both.\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n80(2)\nFailure to tell creditor or owner whereabouts of goods.\nSummarily.\nlevel 3 on the standard scale.\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\n114(2)\nTaking pledges from minors.\n(a) Summarily.\n£400.\n(b) On indictment.\n1 year or a fine or both.\n. . .\n. . .\n. . .\n. . .\n119(1)\nUnreasonable refusal to allow pawn to be redeemed.\nSummarily.\nlevel 4 on the standard scale.\n154\nCanvassing ancillary credit services off trade premises.\n(a) Summarily.\n£200.\n(b) On indictment.\n1 year or a fine or both.\n157(3)\nRefusal to give name etc. of credit reference agency.\nSummarily.\nlevel 4 on the standard scale.\n158(4)\nFailure of credit reference agency to disclose filed information.\nSummarily.\nlevel 4 on the standard scale.\n159(6)\nFailure of credit reference agency to correct information.\nSummarily.\nlevel 4 on the standard scale.\n160(6)\nFailure of credit reference agency to comply with section 160(3) or (4).\nSummarily.\nlevel 4 on the standard scale.\n. . .\n. . .\n. . .\n. . .\n. . .\nI...\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n....\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .\n. . .",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Entries in Sch. 1 Table omitted (26.7.2013 for specified purposes, 1.4.2014 in so far as not already in force) by virtue of The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013 (S.I. 2013/1881), arts. 1(2)(6), 20(64) (with S.I. 2014/366, arts. 1(3)(4), 13(2)(b)"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "Entries in Sch. 1 Table repealed (26.5.2008) by The Consumer Protection from Unfair Trading Regulations 2008 (S.I. 2008/1277), reg. 30(3), Sch. 1 (with savings in reg. 28(2)(3))"
    },
    {
      "type": "F",
      "label": "F3",
      "text": "Words substituted by virtue of (E.W.) Criminal Justice Act 1982 (c. 48, SIF 39:1), ss. 38, 46, (S.) by Criminal Procedure (Scotland) Act 1975 (c. 21, SIF 39:1), s. 289F, 289G and (N.I.) by S.I. 1984/703 (N.I. 3), arts. 5, 6"
    },
    {
      "type": "F",
      "label": "F4",
      "text": "Entries in Sch. 1 Table omitted (1.10.2015) by virtue of Consumer Rights Act 2015 (c. 15), s. 100(5), Sch. 6 para. 18; S.I. 2015/1630, art. 3(i) (with art. 8)"
    }
  ],
  "outstanding_effects": [
    {
      "type": "words inserted",
      "affecting": "ukpga/2010/28",
      "affecting_title": "Financial Services Act 2010"
    }
  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/schedule/1",
    "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."
}