Consumer Credit Act 2006

2006 c. 14 · Enacted 30 March 2006 · Extends to United Kingdom

Contents

1. Agreements regulated under the 1974 Act etc.
2. 1Definition of ‘individual’
3. 2Removal of financial limits etc.
4. 3Exemption relating to high net worth debtors and hirers Repealed
5. 4Exemption relating to businesses Repealed
6. 5Consequential amendments relating to ss. 1 to 4
7. Statements to be provided in relation to regulated credit agreements
8. 6Statements to be provided in relation to fixed-sum credit agreements
9. 7Further provision relating to statements
10. Default under regulated agreements
11. 8OFT to prepare information sheets on arrears and default
12. 9Notice of sums in arrears under fixed-sum credit agreements etc.
13. 10Notice of sums in arrears under running-account credit agreements
14. 11Failure to give notice of sums in arrears
15. 12Notice of default sums
16. 13Interest on default sums
17. 14Default notices
18. 15Enforceability of regulated agreements
19. 16Time orders
20. 17Interest payable on judgment debts etc.
21. 18Definition of “default sum”
22. Unfair relationships
23. 19Unfair relationships between creditors and debtors
24. 20Powers of court in relation to unfair relationships
25. 21Interpretation of ss. 140A and 140B of the 1974 Act
26. 22Further provision relating to unfair relationships
27. Businesses requiring a licence and consequences of not being licensed
28. 23Definitions of ‘consumer credit business’ and ‘consumer hire business’
29. 24Debt administration etc.
30. 25Credit information services
31. 26Enforcement of agreements by unlicensed trader etc. Repealed
32. Applications for licences and fitness to hold a licence etc.
33. 27Charge on applicants for licences etc.
34. 28Applications for standard licences Repealed
35. 29Issue of standard licences Repealed
36. 30Guidance on fitness test Repealed
37. 31Variation of standard licences etc. Repealed
38. 32Winding-up of standard licensee's business Repealed
39. 33Consequential amendments relating to ss. 27 to 32 Repealed
40. Duration of licences and charges
41. 34Definite and indefinite licences Repealed
42. 35Charges for indefinite licences Repealed
43. 36Extension of period to pay charge for indefinite licence Repealed
44. 37Failure to pay charge for indefinite licence Repealed
45. Further powers of OFT to regulate conduct of licensees etc.
46. 38Power of OFT to impose requirements on licensees Repealed
47. 39Power of OFT to impose requirements on supervisory bodies Repealed
48. 40Supplementary provision relating to requirements Repealed
49. 41Procedure in relation to requirements Repealed
50. 42Guidance on requirements Repealed
51. 43Consequential amendments relating to requirements Repealed
52. Powers and duties in relation to information
53. 44Provision of information etc. by applicants Repealed
54. 45Duties to notify changes in information etc. Repealed
55. 46Power of OFT to require information generally Repealed
56. 47Power of OFT to require access to premises Repealed
57. 48Entry to premises under warrant Repealed
58. 49Failure to comply with information requirement Repealed
59. 50Officers of enforcement authorities other than OFT Repealed
60. 51Consequential amendments relating to information
61. Civil penalties
62. 52Power of OFT to impose civil penalties Repealed
63. 53Further provision relating to civil penalties Repealed
64. 54Statement of policy in relation to civil penalties Repealed
65. Appeals
66. 55The Consumer Credit Appeals Tribunal Repealed
67. 56Appeals to the Consumer Credit Appeals Tribunal
68. 57Appeals from the Consumer Credit Appeals Tribunal Repealed
69. 58Consequential amendments relating to appeals Repealed
70. Ombudsman scheme
71. 59Financial services ombudsman scheme to apply to consumer credit licensees Repealed
72. 60Funding of ombudsman scheme Repealed
73. 61Consequential amendments relating to ombudsman scheme
74. Miscellaneous
75. 62Monitoring of businesses by OFT Repealed
76. 63Disapplication of s.101 of the 1974 Act
77. 64Determinations etc. by OFT
78. 65Sums received by OFT Repealed
79. Final provisions
80. 66Financial provision
81. 67Interpretation
82. 68Consequential amendments
83. 69Transitional provision and savings
84. 70Repeals
85. 71Short title, commencement and extent
86. Schedule 1Schedule 1
87. Schedule 2Part 3A of Schedule 17 to the 2000 Act
88. Schedule 3: Transitional Provision and Savings
89. Interpretation
90. 1Paragraph 1
91. Statements to be provided in relation to regulated agreements
92. 2Paragraph 2 Repealed
93. 3Paragraph 3
94. 4Paragraph 4
95. Default under regulated agreements
96. 5Paragraph 5
97. 6Paragraph 6
98. 7Paragraph 7
99. 8Paragraph 8
100. 9Paragraph 9
101. 10Paragraph 10
102. 11Paragraph 11
103. 12Paragraph 12
104. 13Paragraph 13
105. Unfair relationships
106. 14Paragraph 14
107. 15Paragraph 15
108. 16Paragraph 16
109. 17Paragraph 17 Not yet in force
110. Applications for licences and fitness to hold a licence etc.
111. 18Paragraph 18 Repealed
112. 19Paragraph 19 Repealed
113. Further powers of OFT to regulate conduct of licensees etc.
114. 20Paragraph 20 Repealed
115. 21Paragraph 21 Repealed
116. 22Paragraph 22 Repealed
117. Powers and duties in relation to information
118. 23Paragraph 23 Repealed
119. 24Paragraph 24 Repealed
120. Civil penalties
121. 25Paragraph 25 Repealed
122. Appeals
123. 26Paragraph 26
124. 27Paragraph 27
125. 28Paragraph 28
126. Ombudsman scheme
127. 29Paragraph 29
128. Schedule 4Repeals