{
  "url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-3",
  "json_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004/regulation-3.json",
  "legislation": "uksi/2004/1481",
  "legislation_title": "The Consumer Credit (Disclosure of Information) Regulations 2004",
  "legislation_url": "https://openlegislation.uk/consumer-credit-disclosure-of-information-regulations-2004",
  "path": "regulation/3",
  "kind": "regulation",
  "number": "3",
  "heading": "Information to be disclosed to a debtor or hirer before a regulated agreement is made",
  "text": "(1) Before a regulated agreement (“the relevant agreement”) is made, the creditor or owner must disclose to the debtor or hirer in the manner set out in regulation 4 the information and statements of protection and remedies that are required to be given—\n(a) in the case of a regulated consumer credit agreement, under regulation 2 of the Agreements Regulations;\n(b) in the case of a regulated consumer hire agreement, under regulation 3 of the Agreements Regulations;\n(c) in the case of a modifying agreement which is, or is treated as, a regulated consumer credit agreement, under regulations 2(3) and 7(2) of the Agreements Regulations;\n(d) in the case of a modifying agreement which is or is treated as a regulated consumer hirer agreement, under regulations 3(3) and 7(9) of the Agreements Regulations.\n(1A) In the case of an agreement falling within regulation 2(1)(c), (d) or (e), the creditor shall provide, in addition to the information specified in paragraph (1), a statement that if he decided not to proceed with a prospective regulated consumer credit agreement on the basis of information from a credit reference agency, he will, when informing the debtor of that decision, inform the debtor that the decision has been reached on the basis of information from a credit reference agency and of the particulars of that agency (in compliance with section 157(A1) of the Act.\n(2) The information and statements of protection required to be disclosed under paragraph (1) shall be the information and statements that will be included in the document embodying the relevant agreement save that, where any of the information is not known at the time of disclosure, the creditor or owner shall disclose estimated information based on such assumptions as he may reasonably make in all the circumstances of the case.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Reg. 3(1A) inserted (1.2.2011) by The Consumer Credit ( EU Directive) Regulations 2010 (revoked) 2010 (S.I. 2010/1010), regs. 76, 99(1) (with regs. 100, 101) (as amended by S.I. 2010/1969, regs. 1, 25)"
    },
    {
      "type": "I",
      "label": "I1",
      "text": "Reg. 3 in force at 31.5.2005, see reg. 1(1)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2004/1481/regulation/3",
    "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."
}