{
  "url": "https://openlegislation.uk/credit-unions-act-1979",
  "json_url": "https://openlegislation.uk/credit-unions-act-1979.json",
  "id": "ukpga/1979/34",
  "title": "Credit Unions Act 1979",
  "short_title": "Credit Unions Act 1979",
  "long_title": "An Act to enable certain societies in Great Britain to be registered under the Industrial and Provident Societies Act 1965 as credit unions; to make further provision with respect to societies so registered; to make provision with respect to the taxation of societies so registered and of Northern Ireland credit unions; to enable reciprocal arrangements to be made in relation to Northern Ireland credit unions; to facilitate the amendment of the Industrial and Provident Societies Act (Northern Ireland) 1969; and for connected purposes.",
  "citation": "1979 c. 34",
  "type": "ukpga",
  "year": "1979",
  "number": "34",
  "version": "current",
  "date": "1979-04-04",
  "revised": true,
  "valid_from": "2023-08-29",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/credit-unions-act-1979/introduction",
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "crossheading/registration-as-a-credit-union",
      "kind": "crossheading",
      "number": null,
      "heading": "Registration as a credit union",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/1",
      "kind": "section",
      "number": "1",
      "heading": "Registration.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-1",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/1ZA",
      "kind": "section",
      "number": "1ZA",
      "heading": "Specified financial activities",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-1ZA",
      "extent": null,
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/1ZB",
      "kind": "section",
      "number": "1ZB",
      "heading": "Power to specify further financial activities",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-1ZB",
      "extent": null,
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/1A",
      "kind": "section",
      "number": "1A",
      "heading": "Common bonds appropriate to a credit union",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-1A",
      "extent": null,
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/1B",
      "kind": "section",
      "number": "1B",
      "heading": "Further requirements where common bond relates to locality",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-1B",
      "extent": null,
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/2",
      "kind": "section",
      "number": "2",
      "heading": "Supplementary and transitional provisions as to registration.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-2",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "section/3",
      "kind": "section",
      "number": "3",
      "heading": "Use of name “credit union\", etc.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-3",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/registration-as-a-credit-union"
    },
    {
      "path": "crossheading/rules-and-membership",
      "kind": "crossheading",
      "number": null,
      "heading": "Rules and membership",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/4",
      "kind": "section",
      "number": "4",
      "heading": "Rules.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-4",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/rules-and-membership"
    },
    {
      "path": "section/5",
      "kind": "section",
      "number": "5",
      "heading": "Membership and voting rights.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-5",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/rules-and-membership"
    },
    {
      "path": "section/5A",
      "kind": "section",
      "number": "5A",
      "heading": "Corporate members",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-5A",
      "extent": null,
      "status": null,
      "parent": "crossheading/rules-and-membership"
    },
    {
      "path": "section/6",
      "kind": "section",
      "number": "6",
      "heading": "Minimum and maximum number of members.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-6",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/rules-and-membership"
    },
    {
      "path": "crossheading/operation-of-credit-union",
      "kind": "crossheading",
      "number": null,
      "heading": "Operation of credit union",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/7",
      "kind": "section",
      "number": "7",
      "heading": "Shares.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-7",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/7A",
      "kind": "section",
      "number": "7A",
      "heading": "Power to issue interest-bearing shares",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-7A",
      "extent": null,
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/8",
      "kind": "section",
      "number": "8",
      "heading": "General prohibition on deposit-taking.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-8",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/9",
      "kind": "section",
      "number": "9",
      "heading": "Deposits by persons too young to be members.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-9",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/9A",
      "kind": "section",
      "number": "9A",
      "heading": "Power to charge for ancillary services",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-9A",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/10",
      "kind": "section",
      "number": "10",
      "heading": "Power to borrow money.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-10",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11",
      "kind": "section",
      "number": "11",
      "heading": "Loans.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11A",
      "kind": "section",
      "number": "11A",
      "heading": "Loans to be treated as secured",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11A",
      "extent": null,
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11B",
      "kind": "section",
      "number": "11B",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11B",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11C",
      "kind": "section",
      "number": "11C",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11C",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11D",
      "kind": "section",
      "number": "11D",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11D",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11E",
      "kind": "section",
      "number": "11E",
      "heading": "Conditional sale and hire purchase agreements",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11E",
      "extent": null,
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11F",
      "kind": "section",
      "number": "11F",
      "heading": "Agreements to be treated as secured",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11F",
      "extent": null,
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/11G",
      "kind": "section",
      "number": "11G",
      "heading": "Insurance distribution activities",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-11G",
      "extent": null,
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/12",
      "kind": "section",
      "number": "12",
      "heading": "Power to hold land for limited purposes.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-12",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/13",
      "kind": "section",
      "number": "13",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-13",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "section/14",
      "kind": "section",
      "number": "14",
      "heading": "Computation and application of profits.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-14",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/operation-of-credit-union"
    },
    {
      "path": "crossheading/insurance-and-other-arrangements",
      "kind": "crossheading",
      "number": null,
      "heading": "Insurance and other arrangements",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/15",
      "kind": "section",
      "number": "15",
      "heading": "Insurance against fraud or other dishonesty.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-15",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/insurance-and-other-arrangements"
    },
    {
      "path": "section/16",
      "kind": "section",
      "number": "16",
      "heading": "Guarantee funds.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-16",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/insurance-and-other-arrangements"
    },
    {
      "path": "crossheading/powers-of-registrar",
      "kind": "crossheading",
      "number": null,
      "heading": "Powers of FCA and PRA",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/17",
      "kind": "section",
      "number": "17",
      "heading": "Power to require information.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-17",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/powers-of-registrar"
    },
    {
      "path": "section/17A",
      "kind": "section",
      "number": "17A",
      "heading": "Section 17: recovery of FCA ’s and PRA ’s costs",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-17A",
      "extent": null,
      "status": null,
      "parent": "crossheading/powers-of-registrar"
    },
    {
      "path": "section/18",
      "kind": "section",
      "number": "18",
      "heading": "Power to appoint inspector and call meeting.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-18",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/powers-of-registrar"
    },
    {
      "path": "section/19",
      "kind": "section",
      "number": "19",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-19",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/powers-of-registrar"
    },
    {
      "path": "section/20",
      "kind": "section",
      "number": "20",
      "heading": "Cancellation or suspension of registration and petition for winding up.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-20",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/powers-of-registrar"
    },
    {
      "path": "crossheading/amalgamations-transfers-of-engagements-and-conversions",
      "kind": "crossheading",
      "number": null,
      "heading": "Amalgamations, transfers of engagements and conversions",
      "url": null,
      "extent": "E+W+S",
      "status": null,
      "parent": null
    },
    {
      "path": "section/21",
      "kind": "section",
      "number": "21",
      "heading": "Amalgamations and transfers of engagements.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-21",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/amalgamations-transfers-of-engagements-and-conversions"
    },
    {
      "path": "section/22",
      "kind": "section",
      "number": "22",
      "heading": "No conversion of credit union into company, etc.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-22",
      "extent": null,
      "status": null,
      "parent": "crossheading/amalgamations-transfers-of-engagements-and-conversions"
    },
    {
      "path": "section/23",
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      "number": "23",
      "heading": "Conversion of company into credit union.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-23",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/amalgamations-transfers-of-engagements-and-conversions"
    },
    {
      "path": "crossheading/general-and-miscellaneous",
      "kind": "crossheading",
      "number": null,
      "heading": "General and miscellaneous",
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    },
    {
      "path": "section/23A",
      "kind": "section",
      "number": "23A",
      "heading": "Power to make provision corresponding to provision applying to building societies",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-23A",
      "extent": null,
      "status": null,
      "parent": "crossheading/general-and-miscellaneous"
    },
    {
      "path": "section/24",
      "kind": "section",
      "number": "24",
      "heading": "Modifications of requirements as to audit of accounts.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-24",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "crossheading/general-and-miscellaneous"
    },
    {
      "path": "section/25",
      "kind": "section",
      "number": "25",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-25",
      "extent": null,
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    },
    {
      "path": "section/26",
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      "number": "26",
      "heading": "Prohibition on subsidiaries.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-26",
      "extent": "E+W+S",
      "status": null,
      "parent": "crossheading/general-and-miscellaneous"
    },
    {
      "path": "section/27",
      "kind": "section",
      "number": "27",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-27",
      "extent": "E+W+S",
      "status": "repealed",
      "parent": "crossheading/general-and-miscellaneous"
    },
    {
      "path": "section/28",
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      "number": "28",
      "heading": "Provisions as to offences.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-28",
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    },
    {
      "path": "section/29",
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      "heading": "Orders and regulations.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-29",
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    {
      "path": "section/30",
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      "number": "30",
      "heading": ". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-30",
      "extent": "E+W+S",
      "status": "repealed",
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    },
    {
      "path": "section/31",
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      "number": "31",
      "heading": "Interpretation, etc.",
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    },
    {
      "path": "section/31A",
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    },
    {
      "path": "section/32",
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      "number": "32",
      "heading": "Northern Ireland.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-32",
      "extent": "E+W+S+N.I.",
      "status": null,
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    },
    {
      "path": "section/33",
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      "number": "33",
      "heading": "Short title, commencement and extent.",
      "url": "https://openlegislation.uk/credit-unions-act-1979/section-33",
      "extent": "E+W+S",
      "status": null,
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    },
    {
      "path": "schedule/1",
      "kind": "schedule",
      "number": "1",
      "heading": "Matters to be Provided For in Rules of Credit Union",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "schedule/1/paragraph/1",
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      "number": "1",
      "heading": null,
      "url": "https://openlegislation.uk/credit-unions-act-1979/schedule-1/paragraph-1",
      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/2",
      "kind": "paragraph",
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      "heading": null,
      "url": "https://openlegislation.uk/credit-unions-act-1979/schedule-1/paragraph-2",
      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/3",
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      "url": "https://openlegislation.uk/credit-unions-act-1979/schedule-1/paragraph-3",
      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/4",
      "kind": "paragraph",
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      "heading": null,
      "url": "https://openlegislation.uk/credit-unions-act-1979/schedule-1/paragraph-4",
      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/4A",
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      "number": "4A",
      "heading": null,
      "url": "https://openlegislation.uk/credit-unions-act-1979/schedule-1/paragraph-4A",
      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/5",
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      "heading": null,
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      "extent": null,
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    },
    {
      "path": "schedule/1/paragraph/6",
      "kind": "paragraph",
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