{
  "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004",
  "json_url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004.json",
  "id": "uksi/2004/1483",
  "title": "The Consumer Credit (Early Settlement) Regulations 2004",
  "short_title": "Consumer Credit (Early Settlement) 2004",
  "long_title": "These Regulations entitle the debtor under a regulated consumer credit agreement to a rebate where all or part of the amount payable to the creditor is paid before the date on which it is due. The Regulations replace the Consumer Credit (Rebate on Early Settlement) Regulations 1983 (“the 1983 Regulations”), subject to a saving in respect of agreements entered into before the commencement date.",
  "citation": "S.I. 2004/1483",
  "type": "uksi",
  "year": "2004",
  "number": "1483",
  "version": "current",
  "date": "2004-06-05",
  "revised": true,
  "valid_from": "2014-04-01",
  "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-early-settlement-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-early-settlement-regulations-2004/regulation-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Entitlement to rebate",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Items included in the calculation of rebate",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Calculation of the amount of rebate",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4A",
      "kind": "regulation",
      "number": "4A",
      "heading": "Calculation of the amount of rebate (indebtedness discharged in part)",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-4A",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Settlement date",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Deferment of settlement date",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Variation of rates and amounts",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Revocation of Regulations",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Amendment of Regulations",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Savings",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/regulation-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "schedule",
      "kind": "schedule",
      "number": null,
      "heading": "EXAMPLES ILLUSTRATING USE OF FORMULA FOR CALCULATING REBATE",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/schedule",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/consumer-credit-early-settlement-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-early-settlement-regulations-2004/pdf/uksi_20041483_en.pdf",
      "source_url": "https://www.legislation.gov.uk/uksi/2004/1483/pdfs/uksi_20041483_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/95",
        "section/97",
        "section/182",
        "section/189"
      ]
    }
  ],
  "changes_made_to": 30,
  "changes_made_to_url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/changes.json",
  "changes_made_by": 5,
  "changes_made_by_url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/consumer-credit-early-settlement-regulations-2004/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2004/1483",
    "retrieved_at": "2026-10-29T05:24:19.756410+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."
}