{
  "url": "https://openlegislation.uk/consumer-credit-act-1974/schedule-3/paragraph-12",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974/schedule-3/paragraph-12.json",
  "legislation": "ukpga/1974/39",
  "legislation_title": "Consumer Credit Act 1974",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-1974",
  "path": "schedule/3/paragraph/12",
  "kind": "paragraph",
  "number": "12",
  "heading": null,
  "text": "(1) Section 56 applies to negotiations in relation to an actual or prospective regulated agreement where the negotiations begin after 16th May 1977.\n(2) In section 56(3), “agreement ”, where it first occurs, means an agreement whenever made.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words substituted by S.I. 1977/325, art. 2 Sch. 1 para. 1"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/schedule/3/paragraph/12",
    "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."
}