The Consumer Credit Act 1974 (c. 39) The Consumer Credit Act 1974 (c. 39) England and Wales Changes not yet applied. Later legislation changes this provision in ways not yet written into the text below: Sch. 25 para. 19 repealed by Local Government and Housing Act 1989 Sch. 12 Pt. 2 Sch. 25 para. 80(2) words repealed by Local Government and Housing Act 1989 Sch. 12 Pt. 2 Sch. 25 para. 48(1)-(6) repealed by Environmental Protection Act 1990 Sch. 16 Pt. 2 Sch. 25 para. 1(2)(xx) omitted by Planning (Consequential Provisions) (Wales) Act 2026 Sch. 2 para. 220(a) Sch. 25 para. 1(2A) inserted by Planning (Consequential Provisions) (Wales) Act 2026 Sch. 2 para. 220(b) Sch. 25 para. 1(10)(v) omitted by Planning (Consequential Provisions) (Wales) Act 2026 Sch. 2 para. 220(c) 47Paragraph 47 The Consumer Credit Act 1974 (c. 39)