{
  "url": "https://openlegislation.uk/payment-accounts-regulations-2015/regulation-18",
  "json_url": "https://openlegislation.uk/payment-accounts-regulations-2015/regulation-18.json",
  "legislation": "uksi/2015/2038",
  "legislation_title": "The Payment Accounts Regulations 2015",
  "legislation_url": "https://openlegislation.uk/payment-accounts-regulations-2015",
  "path": "regulation/18",
  "kind": "regulation",
  "number": "18",
  "heading": "Non-discrimination in the provision of payment accounts",
  "text": "(1) A credit institution must not discriminate against consumers legally resident in the United Kingdom by reason of their nationality or place of residence or by reason of sex, race, colour, ethnic or social origin, genetic features, language, religion or belief, political or any other opinion, membership of a national minority, property, birth, disability, age or sexual orientation when those consumers apply for or access a payment account.\n(2) The conditions applicable to holding a payment account with basic features must not be discriminatory.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in reg. 18(1) substituted (31.12.2020) by The Payment Accounts (Amendment) (EU Exit) Regulations 2019 (S.I. 2019/661), regs. 1(3), 9 (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2015/2038/regulation/18",
    "retrieved_at": "2026-10-28T23:29:04.366940+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."
}