{
  "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010",
  "json_url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010.json",
  "id": "uksi/2010/1970",
  "title": "The Consumer Credit (Advertisements) Regulations 2010",
  "short_title": "Consumer Credit (Advertisements) 2010",
  "long_title": "These Regulations revoke and replace the Consumer Credit (Advertisements) Regulations 2010 (SI 2010/1012), which have not yet come into force, to address certain defects in the drafting of that instrument. They have been issued free of charge to all known recipients of that instrument.",
  "citation": "S.I. 2010/1970",
  "type": "uksi",
  "year": "2010",
  "number": "1970",
  "version": "current",
  "date": "2010-08-03",
  "revised": true,
  "valid_from": "2011-02-01",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement, revocation and interpretation",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
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      "number": "2",
      "heading": "Duty to comply",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-2",
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      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "General requirements",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Content of advertisements",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Representative Example",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-5",
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      "status": null,
      "parent": null
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Other advertisements requiring representative APR",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "APR",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Ancillary services",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Security",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Restrictions on certain expressions in credit advertisements",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Exclusions",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-11",
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      "status": null,
      "parent": null
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Transitional provisions",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/regulation-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "schedule",
      "kind": "schedule",
      "number": null,
      "heading": "PROVISIONS RELATING TO CALCULATION AND DISCLOSURE OF TOTAL CHARGE FOR CREDIT AND APR",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Assumptions about running-account credit",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/schedule/paragraph-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "schedule"
    },
    {
      "path": "schedule/paragraph/2",
      "kind": "paragraph",
      "number": "2",
      "heading": "Permissible tolerances in disclosure of an APR",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/schedule/paragraph-2",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "schedule/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Tolerance where repayments are nearly equal",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/schedule/paragraph-3",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "schedule/paragraph/4",
      "kind": "paragraph",
      "number": "4",
      "heading": "Tolerance where interval between relevant date and first repayment is greater than interval between repayments",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/schedule/paragraph-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "schedule"
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/note",
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      "status": null,
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    }
  ],
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      "date": "2010-08-09",
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  ],
  "outstanding_effects": [],
  "made_under": [
    {
      "id": "ukpga/1974/39",
      "title": "Consumer Credit Act 1974",
      "url": "https://openlegislation.uk/consumer-credit-act-1974",
      "provisions": [
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        "section/151",
        "section/182"
      ]
    }
  ],
  "changes_made_to": 16,
  "changes_made_to_url": "https://openlegislation.uk/consumer-credit-advertisements-regulations-2010/changes.json",
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2010/1970",
    "retrieved_at": "2026-10-29T02:34:46.492112+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."
}