{
  "url": "https://openlegislation.uk/consumer-credit-act-2006",
  "json_url": "https://openlegislation.uk/consumer-credit-act-2006.json",
  "id": "ukpga/2006/14",
  "title": "Consumer Credit Act 2006",
  "long_title": "An Act to amend the Consumer Credit Act 1974; to extend the ombudsman scheme under the Financial Services and Markets Act 2000 to cover licensees under the Consumer Credit Act 1974; and for connected purposes.",
  "citation": "2006 c. 14",
  "type": "ukpga",
  "year": "2006",
  "number": "14",
  "version": "current",
  "date": "2006-03-30",
  "revised": true,
  "valid_from": "2015-10-01",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 2,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "crossheading/agreements-regulated-under-the-1974-act-etc",
      "kind": "crossheading",
      "number": null,
      "heading": "Agreements regulated under the 1974 Act etc.",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/1",
      "kind": "section",
      "number": "1",
      "heading": "Definition of ‘individual’",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-1",
      "extent": null,
      "status": null,
      "parent": "crossheading/agreements-regulated-under-the-1974-act-etc"
    },
    {
      "path": "section/2",
      "kind": "section",
      "number": "2",
      "heading": "Removal of financial limits etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-2",
      "extent": null,
      "status": null,
      "parent": "crossheading/agreements-regulated-under-the-1974-act-etc"
    },
    {
      "path": "section/3",
      "kind": "section",
      "number": "3",
      "heading": "Exemption relating to high net worth debtors and hirers",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-3",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/agreements-regulated-under-the-1974-act-etc"
    },
    {
      "path": "section/4",
      "kind": "section",
      "number": "4",
      "heading": "Exemption relating to businesses",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-4",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/agreements-regulated-under-the-1974-act-etc"
    },
    {
      "path": "section/5",
      "kind": "section",
      "number": "5",
      "heading": "Consequential amendments relating to ss. 1 to 4",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-5",
      "extent": null,
      "status": null,
      "parent": "crossheading/agreements-regulated-under-the-1974-act-etc"
    },
    {
      "path": "crossheading/statements-to-be-provided-in-relation-to-regulated-credit-agreements",
      "kind": "crossheading",
      "number": null,
      "heading": "Statements to be provided in relation to regulated credit agreements",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/6",
      "kind": "section",
      "number": "6",
      "heading": "Statements to be provided in relation to fixed-sum credit agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-6",
      "extent": null,
      "status": null,
      "parent": "crossheading/statements-to-be-provided-in-relation-to-regulated-credit-agreements"
    },
    {
      "path": "section/7",
      "kind": "section",
      "number": "7",
      "heading": "Further provision relating to statements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-7",
      "extent": null,
      "status": null,
      "parent": "crossheading/statements-to-be-provided-in-relation-to-regulated-credit-agreements"
    },
    {
      "path": "crossheading/default-under-regulated-agreements",
      "kind": "crossheading",
      "number": null,
      "heading": "Default under regulated agreements",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/8",
      "kind": "section",
      "number": "8",
      "heading": "OFT to prepare information sheets on arrears and default",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-8",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/9",
      "kind": "section",
      "number": "9",
      "heading": "Notice of sums in arrears under fixed-sum credit agreements etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-9",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/10",
      "kind": "section",
      "number": "10",
      "heading": "Notice of sums in arrears under running-account credit agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-10",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/11",
      "kind": "section",
      "number": "11",
      "heading": "Failure to give notice of sums in arrears",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-11",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/12",
      "kind": "section",
      "number": "12",
      "heading": "Notice of default sums",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-12",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/13",
      "kind": "section",
      "number": "13",
      "heading": "Interest on default sums",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-13",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/14",
      "kind": "section",
      "number": "14",
      "heading": "Default notices",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-14",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/15",
      "kind": "section",
      "number": "15",
      "heading": "Enforceability of regulated agreements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-15",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/16",
      "kind": "section",
      "number": "16",
      "heading": "Time orders",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-16",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/17",
      "kind": "section",
      "number": "17",
      "heading": "Interest payable on judgment debts etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-17",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "section/18",
      "kind": "section",
      "number": "18",
      "heading": "Definition of “default sum”",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-18",
      "extent": null,
      "status": null,
      "parent": "crossheading/default-under-regulated-agreements"
    },
    {
      "path": "crossheading/unfair-relationships",
      "kind": "crossheading",
      "number": null,
      "heading": "Unfair relationships",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/19",
      "kind": "section",
      "number": "19",
      "heading": "Unfair relationships between creditors and debtors",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-19",
      "extent": null,
      "status": null,
      "parent": "crossheading/unfair-relationships"
    },
    {
      "path": "section/20",
      "kind": "section",
      "number": "20",
      "heading": "Powers of court in relation to unfair relationships",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-20",
      "extent": null,
      "status": null,
      "parent": "crossheading/unfair-relationships"
    },
    {
      "path": "section/21",
      "kind": "section",
      "number": "21",
      "heading": "Interpretation of ss. 140A and 140B of the 1974 Act",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-21",
      "extent": null,
      "status": null,
      "parent": "crossheading/unfair-relationships"
    },
    {
      "path": "section/22",
      "kind": "section",
      "number": "22",
      "heading": "Further provision relating to unfair relationships",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-22",
      "extent": null,
      "status": null,
      "parent": "crossheading/unfair-relationships"
    },
    {
      "path": "crossheading/businesses-requiring-a-licence-and-consequences-of-not-being-licensed",
      "kind": "crossheading",
      "number": null,
      "heading": "Businesses requiring a licence and consequences of not being licensed",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/23",
      "kind": "section",
      "number": "23",
      "heading": "Definitions of ‘consumer credit business’ and ‘consumer hire business’",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-23",
      "extent": null,
      "status": null,
      "parent": "crossheading/businesses-requiring-a-licence-and-consequences-of-not-being-licensed"
    },
    {
      "path": "section/24",
      "kind": "section",
      "number": "24",
      "heading": "Debt administration etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-24",
      "extent": null,
      "status": null,
      "parent": "crossheading/businesses-requiring-a-licence-and-consequences-of-not-being-licensed"
    },
    {
      "path": "section/25",
      "kind": "section",
      "number": "25",
      "heading": "Credit information services",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-25",
      "extent": null,
      "status": null,
      "parent": "crossheading/businesses-requiring-a-licence-and-consequences-of-not-being-licensed"
    },
    {
      "path": "section/26",
      "kind": "section",
      "number": "26",
      "heading": "Enforcement of agreements by unlicensed trader etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-26",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/businesses-requiring-a-licence-and-consequences-of-not-being-licensed"
    },
    {
      "path": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc",
      "kind": "crossheading",
      "number": null,
      "heading": "Applications for licences and fitness to hold a licence etc.",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/27",
      "kind": "section",
      "number": "27",
      "heading": "Charge on applicants for licences etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-27",
      "extent": null,
      "status": null,
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/28",
      "kind": "section",
      "number": "28",
      "heading": "Applications for standard licences",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-28",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/29",
      "kind": "section",
      "number": "29",
      "heading": "Issue of standard licences",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-29",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/30",
      "kind": "section",
      "number": "30",
      "heading": "Guidance on fitness test",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-30",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/31",
      "kind": "section",
      "number": "31",
      "heading": "Variation of standard licences etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-31",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/32",
      "kind": "section",
      "number": "32",
      "heading": "Winding-up of standard licensee's business",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-32",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "section/33",
      "kind": "section",
      "number": "33",
      "heading": "Consequential amendments relating to ss. 27 to 32",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-33",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/applications-for-licences-and-fitness-to-hold-a-licence-etc"
    },
    {
      "path": "crossheading/duration-of-licences-and-charges",
      "kind": "crossheading",
      "number": null,
      "heading": "Duration of licences and charges",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/34",
      "kind": "section",
      "number": "34",
      "heading": "Definite and indefinite licences",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-34",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/duration-of-licences-and-charges"
    },
    {
      "path": "section/35",
      "kind": "section",
      "number": "35",
      "heading": "Charges for indefinite licences",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-35",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/duration-of-licences-and-charges"
    },
    {
      "path": "section/36",
      "kind": "section",
      "number": "36",
      "heading": "Extension of period to pay charge for indefinite licence",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-36",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/duration-of-licences-and-charges"
    },
    {
      "path": "section/37",
      "kind": "section",
      "number": "37",
      "heading": "Failure to pay charge for indefinite licence",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-37",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/duration-of-licences-and-charges"
    },
    {
      "path": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc",
      "kind": "crossheading",
      "number": null,
      "heading": "Further powers of OFT to regulate conduct of licensees etc.",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/38",
      "kind": "section",
      "number": "38",
      "heading": "Power of OFT to impose requirements on licensees",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-38",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/39",
      "kind": "section",
      "number": "39",
      "heading": "Power of OFT to impose requirements on supervisory bodies",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-39",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/40",
      "kind": "section",
      "number": "40",
      "heading": "Supplementary provision relating to requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-40",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/41",
      "kind": "section",
      "number": "41",
      "heading": "Procedure in relation to requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-41",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/42",
      "kind": "section",
      "number": "42",
      "heading": "Guidance on requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-42",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "section/43",
      "kind": "section",
      "number": "43",
      "heading": "Consequential amendments relating to requirements",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-43",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/further-powers-of-oft-to-regulate-conduct-of-licensees-etc"
    },
    {
      "path": "crossheading/powers-and-duties-in-relation-to-information",
      "kind": "crossheading",
      "number": null,
      "heading": "Powers and duties in relation to information",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/44",
      "kind": "section",
      "number": "44",
      "heading": "Provision of information etc. by applicants",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-44",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/45",
      "kind": "section",
      "number": "45",
      "heading": "Duties to notify changes in information etc.",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-45",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/46",
      "kind": "section",
      "number": "46",
      "heading": "Power of OFT to require information generally",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-46",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/47",
      "kind": "section",
      "number": "47",
      "heading": "Power of OFT to require access to premises",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-47",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/48",
      "kind": "section",
      "number": "48",
      "heading": "Entry to premises under warrant",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-48",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/49",
      "kind": "section",
      "number": "49",
      "heading": "Failure to comply with information requirement",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-49",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/50",
      "kind": "section",
      "number": "50",
      "heading": "Officers of enforcement authorities other than OFT",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-50",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "section/51",
      "kind": "section",
      "number": "51",
      "heading": "Consequential amendments relating to information",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-51",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "crossheading/powers-and-duties-in-relation-to-information"
    },
    {
      "path": "crossheading/civil-penalties",
      "kind": "crossheading",
      "number": null,
      "heading": "Civil penalties",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/52",
      "kind": "section",
      "number": "52",
      "heading": "Power of OFT to impose civil penalties",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-52",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/civil-penalties"
    },
    {
      "path": "section/53",
      "kind": "section",
      "number": "53",
      "heading": "Further provision relating to civil penalties",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-53",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/civil-penalties"
    },
    {
      "path": "section/54",
      "kind": "section",
      "number": "54",
      "heading": "Statement of policy in relation to civil penalties",
      "url": "https://openlegislation.uk/consumer-credit-act-2006/section-54",
      "extent": null,
      "status": "repealed",
      "parent": "crossheading/civil-penalties"
    },
    {
      "path": "crossheading/appeals",
      "kind": "crossheading",
      "number": null,
      "heading": "Appeals",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "section/55",
      "kind": "section",
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      "heading": "The Consumer Credit Appeals Tribunal",
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