{
  "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989",
  "json_url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989.json",
  "id": "uksi/1989/1125",
  "title": "The Consumer Credit (Advertisements) Regulations 1989",
  "short_title": "Consumer Credit (Advertisements) 1989",
  "long_title": "These Regulations consolidate with amendments the Consumer Credit (Advertisements) Regulations 1980 as amended. The Regulations govern advertisements by persons carrying on consumer credit businesses, consumer hire businesses and businesses in the course of which credit secured on land is provided to individuals. They also apply to advertisements published by credit-brokers.",
  "citation": "S.I. 1989/1125",
  "type": "uksi",
  "year": "1989",
  "number": "1125",
  "version": "current",
  "date": "1989-07-05",
  "revised": false,
  "valid_from": null,
  "extent": null,
  "unapplied_effects": 27,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/I",
      "kind": "part",
      "number": "I",
      "heading": "PRELIMINARY",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement, interpretation and revocation",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/I"
    },
    {
      "path": "part/II",
      "kind": "part",
      "number": "II",
      "heading": "FORM AND CONTENT OF ADVERTISEMENTS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "General rules",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-2",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Representative terms",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-3",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "part/III",
      "kind": "part",
      "number": "III",
      "heading": "SPECIAL PROVISIONS FOR CREDIT ADVERTISEMENTS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Credit advertisements in dealers' publications covering a calendar or seasonal period",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-4",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Full credit advertisements in dealers' publications",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Credit advertisements on the premises of a dealer",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-6",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Restrictions on certain expressions in credit advertisements",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-7",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Prominence to be afforded to the APR in credit advertisements and wording of prescribed information",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-8",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "part/IV",
      "kind": "part",
      "number": "IV",
      "heading": "GENERAL",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Application of Regulations",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-9",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Transitional provisions",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/regulation-10",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/signature",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/1",
      "kind": "schedule",
      "number": "1",
      "heading": "INFORMATION IN CREDIT ADVERTISEMENTS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/1/part/I",
      "kind": "part",
      "number": "I",
      "heading": "maximum information that may be contained in simple credit advertisementsin whole or in part",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/part/I/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Name",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/I"
    },
    {
      "path": "schedule/1/part/I/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Logo",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/I"
    },
    {
      "path": "schedule/1/part/I/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Address",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-3",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/I"
    },
    {
      "path": "schedule/1/part/I/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Telephone number",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-4",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/I"
    },
    {
      "path": "schedule/1/part/I/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Occupation",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-5",
      "extent": null,
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    },
    {
      "path": "schedule/1/part/I/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Other information",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-I/paragraph-6",
      "extent": null,
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      "parent": "schedule/1/part/I"
    },
    {
      "path": "schedule/1/part/II",
      "kind": "part",
      "number": "II",
      "heading": "maximum information to be contained in intermediate credit advertisements",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/part/II/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Name and address or telephone number",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-1",
      "extent": null,
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      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Security",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Insurance",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-3",
      "extent": null,
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      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Deposit of money in an account",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-4",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Credit-broker’s fee",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-5",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Information about terms of business",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-6",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/7",
      "kind": "paragraph",
      "number": "7",
      "heading": "APR",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-7",
      "extent": null,
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      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/8",
      "kind": "paragraph",
      "number": "8",
      "heading": "Cash price",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-8",
      "extent": null,
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    },
    {
      "path": "schedule/1/part/II/paragraph/9",
      "kind": "paragraph",
      "number": "9",
      "heading": "Foreign currency mortgages",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-9",
      "extent": null,
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      "parent": "schedule/1/part/II"
    },
    {
      "path": "schedule/1/part/II/paragraph/10",
      "kind": "paragraph",
      "number": "10",
      "heading": "Optional information",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-II/paragraph-10",
      "extent": null,
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    },
    {
      "path": "schedule/1/part/III",
      "kind": "part",
      "number": "III",
      "heading": "minimum information to be contained in full credit advertisements",
      "url": null,
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      "parent": "schedule/1"
    },
    {
      "path": "schedule/1/part/III/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Name and address",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-1",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/2",
      "kind": "paragraph",
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      "heading": "Security",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-2",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Insurance",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-3",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Deposit of money in an account",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-4",
      "extent": null,
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    },
    {
      "path": "schedule/1/part/III/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Credit-broker’s fee",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-5",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Quotation",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-6",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/7",
      "kind": "paragraph",
      "number": "7",
      "heading": "APR",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-7",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/8",
      "kind": "paragraph",
      "number": "8",
      "heading": "Restricted offers of credit to class or group of persons",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-8",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/9",
      "kind": "paragraph",
      "number": "9",
      "heading": "Nature of security not affecting debtor’s home",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-9",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/part/III/paragraph/10",
      "kind": "paragraph",
      "number": "10",
      "heading": "Frequency, number and amount of advance payments",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/part-III/paragraph-10",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/11",
      "kind": "paragraph",
      "number": "11",
      "heading": "Different treatment of cash and credit purchasers",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-11",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/12",
      "kind": "paragraph",
      "number": "12",
      "heading": "Frequency, number and amount of repayments of credit",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-12",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/13",
      "kind": "paragraph",
      "number": "13",
      "heading": "Other payments and charges",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-13",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/14",
      "kind": "paragraph",
      "number": "14",
      "heading": "Total amount payable by the debtor",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-14",
      "extent": null,
      "status": null,
      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/15",
      "kind": "paragraph",
      "number": "15",
      "heading": "Cash price",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-15",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/1/paragraph/16",
      "kind": "paragraph",
      "number": "16",
      "heading": "Foreign currency mortgages",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-1/paragraph-16",
      "extent": null,
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      "parent": "schedule/1/part/III"
    },
    {
      "path": "schedule/2",
      "kind": "schedule",
      "number": "2",
      "heading": "INFORMATION IN HIRE ADVERTISEMENTS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/2/part/I",
      "kind": "part",
      "number": "I",
      "heading": "maximum information that may be contained in simple hire advertisementsin whole or in part",
      "url": null,
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    },
    {
      "path": "schedule/2/part/I/paragraph/1",
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      "number": "1",
      "heading": "Name",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-1",
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    },
    {
      "path": "schedule/2/part/I/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Logo",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-2",
      "extent": null,
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      "parent": "schedule/2/part/I"
    },
    {
      "path": "schedule/2/part/I/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Address",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-3",
      "extent": null,
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    },
    {
      "path": "schedule/2/part/I/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Telephone number",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-4",
      "extent": null,
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    },
    {
      "path": "schedule/2/part/I/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Occupation",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-5",
      "extent": null,
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    },
    {
      "path": "schedule/2/part/I/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Other information",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-I/paragraph-6",
      "extent": null,
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      "parent": "schedule/2/part/I"
    },
    {
      "path": "schedule/2/part/II",
      "kind": "part",
      "number": "II",
      "heading": "maximum information to be contained in intermediate hire advertisements",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "schedule/2"
    },
    {
      "path": "schedule/2/part/II/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Name and address or telephone number",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-II/paragraph-1",
      "extent": null,
      "status": null,
      "parent": "schedule/2/part/II"
    },
    {
      "path": "schedule/2/part/II/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Nature of transaction",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-II/paragraph-2",
      "extent": null,
      "status": null,
      "parent": "schedule/2/part/II"
    },
    {
      "path": "schedule/2/part/II/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Security",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-II/paragraph-3",
      "extent": null,
      "status": null,
      "parent": "schedule/2/part/II"
    },
    {
      "path": "schedule/2/part/II/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Insurance",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-II/paragraph-4",
      "extent": null,
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      "parent": "schedule/2/part/II"
    },
    {
      "path": "schedule/2/part/II/paragraph/5",
      "kind": "paragraph",
      "number": "5",
      "heading": "Deposit of money in an account",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-1989/schedule-2/part-II/paragraph-5",
      "extent": null,
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      "parent": "schedule/2/part/II"
    },
    {
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