{
  "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980",
  "json_url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980.json",
  "id": "uksi/1980/51",
  "title": "The Consumer Credit (Total Charge for Credit) Regulations 1980",
  "short_title": "Consumer Credit (Total Charge for Credit) 1980",
  "long_title": "These Regulations, which supersede the Consumer Credit (Total Charge for Credit) Regulations 1977, make provision for ascertaining the true cost to debtors of credit provided or to be provided under actual or prospective consumer credit agreements.",
  "citation": "S.I. 1980/51",
  "type": "uksi",
  "year": "1980",
  "number": "51",
  "version": "current",
  "date": "1980-01-17",
  "revised": false,
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  "extent": null,
  "unapplied_effects": 26,
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      "path": "introduction",
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      "heading": "Introductory text",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/introduction",
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      "status": null,
      "parent": null
    },
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      "path": "part/I",
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    },
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    },
    {
      "path": "regulation/2",
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      "heading": "General provisions about calculation",
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      "status": null,
      "parent": "part/I"
    },
    {
      "path": "part/II",
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      "number": "II",
      "heading": "TOTAL CHARGE FOR CREDIT",
      "url": null,
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      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
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      "heading": "Total charge for credit",
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    },
    {
      "path": "regulation/4",
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      "heading": "Items included in total charge for credit",
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    {
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      "heading": "Items excluded from total charge for credit",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/II"
    },
    {
      "path": "part/III",
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      "number": "III",
      "heading": "RATE OF TOTAL CHARGE FOR CREDIT",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
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      "heading": "Rate of total charge for credit",
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      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
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      "heading": "Calculation where a period rate is charged",
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      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
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      "heading": "Calculation where fixed-sum credit is provided and repayable in single lump sum",
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    {
      "path": "regulation/9",
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    {
      "path": "regulation/10",
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      "status": null,
      "parent": "part/III"
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    {
      "path": "regulation/11",
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      "heading": "Computation of time",
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      "parent": "part/III"
    },
    {
      "path": "part/IV",
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      "number": "IV",
      "heading": "ASSUMPTIONS FOR CALCULATIONS",
      "url": null,
      "extent": null,
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    },
    {
      "path": "regulation/12",
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      "heading": "Effect of Part IV",
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    },
    {
      "path": "regulation/13",
      "kind": "regulation",
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      "heading": "Assumption about the amount of credit",
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      "extent": null,
      "status": null,
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    },
    {
      "path": "regulation/14",
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      "heading": "Assumption about period for which credit is provided",
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    },
    {
      "path": "regulation/15",
      "kind": "regulation",
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      "heading": "Assumption about index-linked rates and amounts",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-15",
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      "status": null,
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    },
    {
      "path": "regulation/16",
      "kind": "regulation",
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      "heading": "Assumption about changes in charges",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-16",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
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      "heading": "Assumption about time of provision of credit",
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      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Assumptions about time of payment of charges",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-18",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/signature",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/note",
      "extent": null,
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    }
  ],
  "has_text": true,
  "pdfs": [
    {
      "title": "Printed copy",
      "main": true,
      "language": null,
      "date": "1980-01-29",
      "size": null,
      "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/pdf/uksi_19800051_en.pdf",
      "source_url": "https://www.legislation.gov.uk/uksi/1980/51/pdfs/uksi_19800051_en.pdf"
    }
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  "outstanding_effects": [
    {
      "type": "amended",
      "affected_provisions": "null",
      "affecting": "uksi/1985/1192",
      "affecting_title": "The Consumer Credit (Total Charge for Credit) (Amendment) Regulations 1985",
      "affecting_provisions": null
    },
    {
      "type": "amended",
      "affected_provisions": "reg. 1",
      "affecting": "uksi/1989/596",
      "affecting_title": "The Consumer Credit (Total Charge for Credit and Rebate on Early Settlement) (Amendment) Regulations 1989",
      "affecting_provisions": null
    },
    {
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      "affecting": "uksi/1989/596",
      "affecting_title": "The Consumer Credit (Total Charge for Credit and Rebate on Early Settlement) (Amendment) Regulations 1989",
      "affecting_provisions": null
    },
    {
      "type": "applied",
      "affected_provisions": "Instrument",
      "affecting": "uksi/1998/2026",
      "affecting_title": "The Education (Student Loans) (Scotland) Regulations 1998",
      "affecting_provisions": "reg.11(1)(2)"
    },
    {
      "type": "words inserted",
      "affected_provisions": "reg. 2(1)(d)",
      "affecting": "uksi/1999/3177",
      "affecting_title": "The Consumer Credit (Total Charge for Credit, Agreements and Advertisements) (Amendment) Regulations 1999",
      "affecting_provisions": "reg. 3(c)(i)"
    },
    {
      "type": "substituted for full stop",
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      "affecting_title": "The Consumer Credit (Total Charge for Credit, Agreements and Advertisements) (Amendment) Regulations 1999",
      "affecting_provisions": "reg. 3(c)(ii)"
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    {
      "type": "added",
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    {
      "type": "word omitted",
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    {
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    {
      "type": "words omitted",
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    {
      "type": "words omitted",
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      "affecting_title": "The Financial Services and Markets Act 2000 (Regulated Activities) (Amendment) (No.2) Order 2013",
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  "provenance": {
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    "retrieved_at": "2026-10-29T19:06:42.191429+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."
}