Consumer Credit Act 1974 (c. 39) Consumer Credit Act 1974 (c. 39) Changes not yet applied. Later legislation changes this provision in ways not yet written into the text below: Sch. 21 para. 73 repealed by Criminal Justice and Immigration Act 2008 Sch. 28 Pt. 8 31Paragraph 31 Consumer Credit Act 1974 (c. 39)