{
  "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-3",
  "json_url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-3.json",
  "legislation": "uksi/1980/51",
  "legislation_title": "The Consumer Credit (Total Charge for Credit) Regulations 1980",
  "legislation_url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980",
  "path": "regulation/3",
  "kind": "regulation",
  "number": "3",
  "heading": "Total charge for credit",
  "text": "For the purposes of the Act, the total charge for the credit which may be provided under an actual or prospective agreement shall be the total of the amounts determined as at the date of the making of the agreement of such of the charges specified in regulation 4 below as apply in relation to the agreement but excluding the amount of the charges specified in regulation 5 below.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1980/51/regulation/3",
    "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."
}