The Consumer Credit Act 1974 The Consumer Credit Act 1974 England, Wales and Scotland Changes not yet applied. Later legislation changes this provision in ways not yet written into the text below: Sch. 17 para. 40 omitted by Leasehold and Freehold Reform Act 2024 Sch. 9 para. 7(a) Sch. 17 para. 68 omitted by Leasehold and Freehold Reform Act 2024 Sch. 9 para. 7(b) 20Paragraph 20 The Consumer Credit Act 1974