{
  "url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-4",
  "json_url": "https://openlegislation.uk/consumer-credit-total-charge-for-credit-regulations-1980/regulation-4.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/4",
  "kind": "regulation",
  "number": "4",
  "heading": "Items included in total charge for credit",
  "text": "Except as provided in regulation 5 below, the amounts of the following charges are included in the total charge for credit in relation to an agreement:—\n(a) the total of the interest on the credit which may be provided under the agreement; and\n(b) other charges at any time payable under the transaction by or on behalf of the debtor or a relative of his whether to the creditor or any other person,\nnotwithstanding that the whole or part of the charge may be repayable at any time or that the consideration therefor may include matters not within the transaction or subsisting at a time not within the duration of the agreement.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [
    {
      "type": "word omitted",
      "affecting": "uksi/1999/3177",
      "affecting_title": "The Consumer Credit (Total Charge for Credit, Agreements and Advertisements) (Amendment) Regulations 1999"
    },
    {
      "type": "word substituted",
      "affecting": "uksi/1999/3177",
      "affecting_title": "The Consumer Credit (Total Charge for Credit, Agreements and Advertisements) (Amendment) Regulations 1999"
    },
    {
      "type": "added",
      "affecting": "uksi/1999/3177",
      "affecting_title": "The Consumer Credit (Total Charge for Credit, Agreements and Advertisements) (Amendment) Regulations 1999"
    }
  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1980/51/regulation/4",
    "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."
}