{
  "url": "https://openlegislation.uk/consumer-credit-act-1974/section-12",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974/section-12.json",
  "legislation": "ukpga/1974/39",
  "legislation_title": "Consumer Credit Act 1974",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-1974",
  "path": "section/12",
  "kind": "section",
  "number": "12",
  "heading": "Debtor-creditor supplier agreements.",
  "text": "A debtor-creditor-supplier agreement is a regulated consumer credit agreement being—\n(a) a restricted-use credit agreement which falls within section 11(1)(a), or\n(b) a restricted-use credit agreement which falls within section 11(1)(b) and is made by the creditor under pre-existing arrangements, or in contemplation of future arrangements, between himself and the supplier, or\n(c) an unrestricted-use credit agreement which is made by the creditor under pre-existing arrangements between himself and a person (the “supplier ”) other than the debtor in the knowledge that the credit is to be used to finance a transaction between the debtor and the supplier.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/section/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."
}