{
  "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977",
  "json_url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977.json",
  "id": "uksi/1977/328",
  "title": "The Consumer Credit (Notice of Variation of Agreements) Regulations 1977",
  "short_title": "Consumer Credit (Notice of Variation of Agreements) 1977",
  "long_title": "These Regulations prescribe the manner in which notice is to be given to the debtor or hirer of the variation of a consumer credit or consumer hire agreement by the creditor or owner under a power contained in the agreement before such variation can take effect. Notice of any variation in a regulated agreement must generally be given by serving a notice setting out the variation on the debtor or hirer seven days before the variation takes effect (Regulation 2). However, notice of a variation in the rate of interest payable under certain consumer credit agreements may be given by publishing a notice setting out the variation in at least three national daily newspapers (or, if this is not reasonably practicable, in the Gazette) and, if reasonably practicable, by displaying such a notice in the premises where the agreements to be varied are maintained (Regulation 3).",
  "citation": "S.I. 1977/328",
  "type": "uksi",
  "year": "1977",
  "number": "328",
  "version": "current",
  "date": "1977-02-28",
  "revised": false,
  "valid_from": null,
  "extent": null,
  "unapplied_effects": 4,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation, commencement and interpretation",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/regulation-1",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Notice valid for any variation",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/regulation-2",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Notice valid for special variations",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/regulation-3",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/signature",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/note",
      "extent": null,
      "status": null,
      "parent": null
    }
  ],
  "has_text": true,
  "pdfs": [
    {
      "title": "Printed copy",
      "main": true,
      "language": null,
      "date": "1977-03-08",
      "size": null,
      "url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/pdf/uksi_19770328_en.pdf",
      "source_url": "https://www.legislation.gov.uk/uksi/1977/328/pdfs/uksi_19770328_en.pdf"
    }
  ],
  "outstanding_effects": [
    {
      "type": "inserted",
      "affected_provisions": "reg. 4",
      "affecting": "uksi/1979/661",
      "affecting_title": "The Consumer Credit (Notice of Variation of Agreements) (Amendment) Regulations 1979",
      "affecting_provisions": null
    },
    {
      "type": "amended",
      "affected_provisions": "reg. 4",
      "affecting": "uksi/1979/667",
      "affecting_title": "The Consumer Credit (Notice of Variation of Agreements) (Amendment No. 2) Regulations 1979",
      "affecting_provisions": null
    },
    {
      "type": "words omitted",
      "affected_provisions": "reg. 2(b)",
      "affecting": "uksi/2010/1010",
      "affecting_title": "The Consumer Credit (EU Directive) Regulations 2010",
      "affecting_provisions": "reg. 48"
    },
    {
      "type": "words inserted",
      "affected_provisions": "reg. 3(1)",
      "affecting": "uksi/2010/1010",
      "affecting_title": "The Consumer Credit (EU Directive) Regulations 2010",
      "affecting_provisions": "reg. 49"
    }
  ],
  "made_under": [],
  "changes_made_to": 4,
  "changes_made_to_url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/changes.json",
  "changes_made_by": 0,
  "changes_made_by_url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/consumer-credit-notice-of-variation-of-agreements-regulations-1977/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1977/328",
    "retrieved_at": "2026-10-29T20:07:54.978274+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."
}