{
  "url": "https://openlegislation.uk/consumer-credit-act-1974/section-55",
  "json_url": "https://openlegislation.uk/consumer-credit-act-1974/section-55.json",
  "legislation": "ukpga/1974/39",
  "legislation_title": "Consumer Credit Act 1974",
  "legislation_url": "https://openlegislation.uk/consumer-credit-act-1974",
  "path": "section/55",
  "kind": "section",
  "number": "55",
  "heading": "Disclosure of information.",
  "text": "(1) Regulations may require specified information to be disclosed in the prescribed manner to the debtor or hirer before a regulated agreement , other than a regulated deferred payment credit agreement, is made.\n(2) If regulations under subsection (1) are not complied with, the agreement is enforceable against the debtor or hirer on an order of the court only (and for these purposes a retaking of goods or land to which the agreement relates is an enforcement of the agreement).",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in s. 55(1) inserted (15.7.2025 for specified purposes, 15.7.2026 in so far as not already in force) by The Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 (S.I. 2025/859), arts. 1(2)(3), 2(3)"
    },
    {
      "type": "F",
      "label": "F2",
      "text": "S. 55(2) substituted (1.2.2011) by The Consumer Credit (EU Directive) Regulations 2010 (S.I. 2010/1010), regs. 16, 99(1) (with regs. 100, 101)"
    },
    {
      "type": "C",
      "label": "C1",
      "text": "S. 55 excluded (E.W.S.) (15.7.2014) by The Financial Services and Markets Act 2000 (Regulated Activities) (Green Deal) (Amendment) Order 2014 (S.I. 2014/1850), arts. 1(2), 12(2) (with art. 1(3))"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/1974/39/section/55",
    "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."
}