{
  "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004",
  "json_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004.json",
  "id": "uksi/2004/1481",
  "title": "The Consumer Credit (Disclosure of Information) Regulations 2004",
  "short_title": "Consumer Credit (Disclosure of Information) 2004",
  "long_title": "These Regulations specify information which must be disclosed to a debtor or hirer before a regulated agreement within the meaning of the Consumer Credit Act 1974 is made and prescribe the manner in which the information must be disclosed. The Regulations do not apply in respect of agreements to which section 58 of the Act applies nor in respect of distance contracts (as defined in regulation 1(2)).",
  "citation": "S.I. 2004/1481",
  "type": "uksi",
  "year": "2004",
  "number": "1481",
  "version": "current",
  "date": "2004-06-05",
  "revised": true,
  "valid_from": "2016-03-21",
  "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-disclosure-of-information-regulations-2004/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement and interpretation",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Agreements to which these Regulations apply",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Information to be disclosed to a debtor or hirer before a regulated agreement is made",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Manner of disclosure",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/note",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    }
  ],
  "has_text": true,
  "pdfs": [
    {
      "title": "Printed copy",
      "main": true,
      "language": null,
      "date": "2008-12-05",
      "size": null,
      "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/pdf/uksi_20041481_en.pdf",
      "source_url": "https://www.legislation.gov.uk/uksi/2004/1481/pdfs/uksi_20041481_en.pdf"
    }
  ],
  "outstanding_effects": [],
  "made_under": [
    {
      "id": "ukpga/1974/39",
      "title": "Consumer Credit Act 1974",
      "url": "https://openlegislation.uk/consumer-credit-act-1974",
      "provisions": [
        "section/55",
        "section/182",
        "section/189"
      ]
    }
  ],
  "changes_made_to": 8,
  "changes_made_to_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/changes.json",
  "changes_made_by": 4,
  "changes_made_by_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2004/1481",
    "retrieved_at": "2026-10-29T05:24:21.400786+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."
}