| Guvnor

Enforced by: FCA
Status: Amended (in force with amendments)
Penalty ceiling: Imprisonment 10 of 75 obligations carry an unlimited fine. 4 carry different penalties and 61 have no criminal penalty — flagged in the list below.

Does it bind you?

Business-side roles with duties under this instrument.

Trader50 Any Person14 Applicant1 Director or Officer1

Plus 9 duties on the regulator, Crown ministers and public bodies — folded into the section list below.

Other Acts binding the same actors

If a role above is yours, these are the other instruments that most often bind it.

Trader — also bound by 825 other Acts

Value Added Tax Regulations 1995 416 duties

Companies Act 2006 243 duties

The Large and Medium-sized Companies and Groups (Accounts and Reports) Regulations 2008 133 duties

Companies Act 1985 85 duties

Insolvency (England and Wales) Rules 2016 62 duties

Any Person — also bound by 2340 other Acts

Human Medicines Regulations 2012 184 duties

Merchant Shipping Act 1995 144 duties

Insolvency (England and Wales) Rules 2016 104 duties

Communications Act 2003 92 duties

Road Traffic Act 1988 92 duties

Applicant — also bound by 307 other Acts

Insolvency (England and Wales) Rules 2016 46 duties

Human Medicines Regulations 2012 42 duties

The Land Registration Rules 2003 25 duties

Regulation (EU) No 1178/2011 (Aircrew) 20 duties

Value Added Tax Regulations 1995 18 duties

Director or Officer — also bound by 429 other Acts

Insolvency (England and Wales) Rules 2016 162 duties

Companies Act 2006 126 duties

Insolvency Act 1986 77 duties

The Large and Medium-sized Companies and Groups (Accounts and Reports) Regulations 2008 68 duties

Building Societies Act 1986 32 duties

What it requires

Sections creating concrete business duties or carrying penalties, grouped as the instrument is structured. Titles link to the source text — blue means you’re leaving for legislation.gov.uk.

Part 1

OFFICE OF FAIR TRADING

0 of 8 sections shown

8 other sections in this Part — procedural and definitional

s.001 General functions of OFT.

s.002 Powers of Secretary of State.

s.003 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..

s.004 Dissemination of information and advice.

s.005 Annual and other reports.

s.006 Form etc. of applications.

s.006 Charge on applicants for licences etc.

s.007 Penalty for false information.

Part 2

Credit Agreements, Hire Agreements and Linked Transactions

0 of 16 sections shown

16 other sections in this Part — procedural and definitional

s.008 Consumer credit agreements.

s.009 Meaning of credit.

s.010 Running-account credit and fixed-sum credit.

s.011 Restricted-use credit and unrestricted-use credit.

s.012 Debtor-creditor supplier agreements.

s.013 Debtor-creditor agreements.

s.014 Credit-token agreements.

s.015 Consumer hire agreements.

s.016 Exempt agreements.

s.016 Exemption relating to high net worth debtors and hirers

s.016 Exemption relating to businesses

s.016 Exemption relating to investment properties

s.017 Small agreements.

s.018 Multiple agreements.

s.019 Linked transactions.

s.020 Total charge for credit

Part 3

Licensing of Credit and Hire Businesses

0 of 50 sections shown

50 other sections in this Part — procedural and definitional

s.021 Businesses needing a licence.

s.022 Standard and group licences.

s.023 Authorisation of specific activities.

s.024 Control of name of business.

s.024 Applications for standard licences

s.025 Licensee to be a fit person.

s.025 Guidance on fitness test

s.026 Conduct of business

s.027 Determination of applications.

s.027 Consumer credit EEA firms

s.028 Exclusion from group licence.

s.028 Charges to be paid by licensees etc. before end of payment periods

s.028 Extension of period to pay charge under s. 28A

s.028 Failure to pay charge under s. 28A

s.029 Renewal.

s.030 Variation by request.

s.031 Compulsory variation.

s.032 ...revocation.

s.032 Power to suspend licence

s.032 Duration of suspension

s.033 Application to end suspension.

s.033 Power of OFT to impose requirements on licensees

s.033 Power of OFT to impose requirements on supervisory bodies

s.033 Supplementary provision relating to requirements

s.033 Procedure in relation to requirements

s.033 Guidance on requirements

s.034 Representations to OFT.

s.034 Winding-up of standard licensee's business

s.034 Representations to OFT: suspension under section 32A

s.035 The register.

s.036 Duty to notify changes.

s.036 Further duties to notify changes etc.

s.036 Power of OFT to require information generally

s.036 Power of OFT to require access to premises

s.036 Entry to premises under warrant

s.036 Failure to comply with information requirement

s.036 Officers of enforcement authorities other than OFT

s.037 Death, bankruptcy etc. of licensee.

s.038 Application of s. 37 to Scotland and Northern Ireland.

s.039 Offences against Part III.

s.039 Power of OFT to impose civil penalties

s.039 Further provision relating to civil penalties

s.039 Statement of policy in relation to civil penalties

s.040 Enforcement of agreements made by unlicensed trader.

s.040 The Consumer Credit Appeals Tribunal

s.041 Appeals to First-tier Tribunal under Part III.

s.041 Appeals from the Consumer Credit Appeals Tribunal

s.041 Tribunal Procedure Rules: suspension of OFT determinations

s.041 Disposal of appeals

s.042 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ..

Part 4

Seeking Business

2 of 14 sections shown

s.049 Prohibition of canvassing debtor-creditor agreements off trade premises. Imprisonment

Illegal canvassing of credit agreements off trade premisesAny Person

s.050 Circulars to minors. Prosecution

Sending credit or hire advertisements to minorsAny Person

Unlimited fine

12 other sections in this Part — procedural and definitional

s.043 Advertisements to which Part IV applies.

s.044 Form and content of advertisements.

s.045 Prohibition of advertisement where goods etc. not sold for cash.

s.046 False or misleading advertisements.

s.047 Advertising infringements.

s.048 Definition of canvassing off trade premises (regulated agreements).

s.051 Prohibition of unsolicited credit-tokens.

s.051 Restrictions on provision of credit card cheques

s.051 Section 51A: exemption for business

s.052 Quotations.

s.053 Duty to display information.

s.054 Conduct of business regulations.

Part 5

Entry into Credit or Hire Agreements

14 of 26 sections shown

s.055 Disclosure of information. Regulated

Provide required information to customers before signing credit agreementsTrader

s.055 Copy of draft consumer credit agreement Regulated

Provide draft credit agreement copy on requestTrader

s.057 Withdrawal from prospective agreement. Regulated

Treat a customer's withdrawal from a credit application as a formal cancellationTrader

s.058 Opportunity for withdrawal from prospective land mortgage. Regulated

Give debtors a withdrawal notice before sending land-secured credit agreements for signatureTrader

s.059 Agreement to enter future agreement void. Regulated

Do not use contracts that force customers into future credit agreementsTrader

s.060 Form and content of agreements. Regulated

Other duties (1) — Crown / regulator

The Treasury must set rules for the form and content of credit agreementsCrown / Minister / Government department

s.061 Duty to supply copy of executed consumer credit agreement Regulated

Give the customer a copy of their signed credit agreementTrader

s.061 Duty to supply copy of overdraft agreement Regulated

Provide a copy of the overdraft agreement to the customerTrader

s.062 Duty to supply copy of unexecuted agreement : excluded agreements. Regulated

Provide a copy of the credit agreement to the customer for signatureTrader

s.063 Duty to supply copy of executed agreement : excluded agreements. Regulated

Provide customers with a copy of their signed credit agreementTrader

s.064 Duty to give notice of cancellation rights. Regulated

Provide formal notice of cancellation rights to customersTrader

s.066 Acceptance of credit-tokens. Regulated

Ensure credit tokens are accepted before charging customersTrader

s.066 Withdrawal from consumer credit agreement Regulated

Accept and process customer withdrawals from consumer credit agreementsTrader

s.071 Cancellation: repayment of credit. Regulated

Calculate and request repayment of credit following cancellationTrader

12 other sections in this Part — procedural and definitional

s.055 Pre-contractual explanations etc

s.055 Assessment of creditworthiness

s.056 Antecedent negotiations.

s.061 Signing of agreement.

s.065 Consequences of improper execution.

s.067 Cancellable agreements.

s.068 Cooling-off period.

s.069 Notice of cancellation.

s.070 Cancellation: recovery of money paid by debtor or hirer.

s.072 Cancellation: return of goods.

s.073 Cancellation: goods given in part-exchange.

s.074 Exclusion of certain agreements from Part V.

Part 5

CURRENT ACCOUNT OVERDRAFTS

0 of 2 sections shown

2 other sections in this Part — procedural and definitional

s.074 Information to be provided on a current account agreement

s.074 Information to be provided on significant overdrawing without prior arrangement

Part 6

Matters Arising During Currency of Credit or Hire Agreements

12 of 23 sections shown

s.077 Duty to give information to debtor under fixed-sum credit agreement. Regulated

Provide a copy of the credit agreement and statement of account on requestTrader

s.077 Statements to be provided in relation to fixed-sum credit agreements Regulated

Provide annual statements to fixed-sum credit customersTrader

s.077 Fixed-sum credit agreement: statement of account to be provided on request Regulated

Provide statement of account on request for fixed-sum credit agreementsTrader

s.078 Duty to give information to debtor under running-account credit agreement. Regulated

Provide account statements and agreement copies to credit customersTrader

s.078 Duty to give information to debtor on change of rate of interest Regulated

Notify debtors in writing before changing interest ratesTrader

s.080 Debtor or hirer to give information about goods. Prosecution

Fail to disclose the location of hired or financed goodsAny Person

Unlimited fine

s.085 Duty on issue of new credit-tokens. Regulated

Provide copy of agreement when issuing replacement credit-tokensTrader

s.086 FCA to prepare information sheets on arrears and default Regulated

Other duties (1) — Crown / regulator

FCA must provide information sheets for customers in arrears or defaultStatutory regulator

s.086 Notice of sums in arrears under running-account credit agreements Regulated

Send a notice and information sheet when a credit account falls into arrearsTrader

s.086 Failure to give notice of sums in arrears Regulated

Send arrears notices to avoid losing the right to interest and enforcementTrader

s.086 Notice of default sums Regulated

Notify debtors of default sums within the prescribed periodTrader

s.086 Interest on default sums Regulated

Use only simple interest on default chargesTrader

11 other sections in this Part — procedural and definitional

s.075 Liability of creditor for breaches by supplier.

s.075 Further provision for liability of creditor for breaches by supplier

s.076 Duty to give notice before taking certain action.

s.079 Duty to give hirer information.

s.081 Appropriation of payments.

s.082 Variation of agreements.

s.082 Assignment of rights

s.083 Liability for misuse of credit facilities.

s.084 Misuse of credit-tokens.

s.086 Death of debtor or hirer.

s.086 Notice of sums in arrears under fixed-sum credit agreements etc.

Part 7

Default and Termination

14 of 23 sections shown

s.088 Contents and effect of default notice. Regulated

Issue compliant default notice before enforcing a credit agreementTrader

s.089 Compliance with default notice. Regulated

Remedy a credit agreement breach to avoid legal consequencesTrader

s.091 Consequences of breach of s. 90. Regulated

Return protected goods only through a court orderTrader

s.092 Recovery of possession of goods or land. Regulated

Obtain a court order before repossessing goods or landTrader

s.093 Interest not to be increased on default. Regulated

Do not increase interest rates when a customer defaultsTrader

s.094 Right to complete payments ahead of time. Regulated

Allow customers to settle credit agreements earlyTrader

s.095 Rebate on early settlement. Regulated

Other duties (1) — Crown / regulator

CROWN must make regulations for rebates on early credit settlementCrown / Minister / Government department

s.095 Compensatory amount Regulated

Limit compensation charges for early repayment of fixed-rate loansTrader

s.097 Duty to give information on partial repayment Regulated

Provide written statement when a customer partially repays credit and asks for oneTrader

s.098 Termination etc of open-end consumer credit agreements Regulated

Allow debtors to terminate open-end credit agreements free of chargeTrader

s.100 Liability of debtor on termination of hire-purchase etc. agreement. Regulated

Calculate and collect final payments on terminated hire-purchase agreementsTrader

s.101 Right to terminate hire agreement.

amended 8 times (opens in a new tab)

s.102 Agency for receiving notice of rescission. Regulated

Accept rescission notices via brokers or agentsTrader

amended 1 time (opens in a new tab)

s.103 Termination statements. Regulated

Respond to a customer's request for a termination statementTrader

amended 3 times (opens in a new tab)

9 other sections in this Part — procedural and definitional

s.087 Need for default notice.

s.090 Retaking of protected hire-purchase etc. goods.

s.093 Summary diligence not competent in Scotland.

s.095 Compensatory amount: green deal finance

s.096 Effect on linked transactions.

s.097 Duty to give information.

s.098 Duty to give notice of termination (non-default cases).

s.099 Right to terminate hire-purchase etc. agreements.

s.104 Goods not to be treated as subject to landlord’s hypothec in Scotland.

Part 8

Security

17 of 22 sections shown

s.106 Ineffective securities. Regulated

Manage and return property related to ineffective securitiesTrader

s.107 Duty to give information to surety under fixed-sum credit agreement. Regulated

Provide agreement and payment information to guarantors on requestTrader

amended 2 times (opens in a new tab)

s.108 Duty to give information to surety under running-account credit agreement. Regulated

Provide agreement and account information to sureties on requestTrader

amended 2 times (opens in a new tab)

s.109 Duty to give information to surety under consumer hire agreement.

amended 2 times (opens in a new tab)

s.110 Duty to give information to debtor or hirer.

amended 3 times (opens in a new tab)

s.111 Duty to give surety copy of default etc. notice. Regulated

Send copy of default or termination notices to any guarantorsTrader

s.112 Realisation of securities.

amended 1 time (opens in a new tab)

s.113 Act not to be evaded by use of security. Regulated

Do not use security to bypass consumer credit protectionsTrader

amended 3 times (opens in a new tab)

s.114 Pawn-receipts. Prosecution

Unlawfully taking a pawn from a minorAny Person

Unlimited fine · amended 1 time (opens in a new tab)

s.115 Penalty for failure to supply copies of pledge agreement, etc.

amended 1 time (opens in a new tab)

s.118 Loss etc. of pawn-receipt. Regulated

Accept alternative documents if a pawn-receipt is lostTrader

amended 1 time (opens in a new tab)

s.119 Unreasonable refusal to deliver pawn. Prosecution

Unreasonably refuse to return pawned goodsAny Person

Unlimited fine · amended 2 times (opens in a new tab)

s.120 Consequence of failure to redeem. Regulated

Transfer of ownership or right to sell unredeemed pawnsTrader

amended 2 times (opens in a new tab)

s.123 Restrictions on taking and negotiating instruments. Regulated

Do not take or negotiate certain negotiable instruments for consumer credit debtsTrader

amended 1 time (opens in a new tab)

s.124 Consequences of breach of s. 123. Regulated

Obtain a court order to enforce credit agreements after a legal breachTrader

s.125 Holders in due course. Regulated

Indemnify protected persons for liability on improperly taken instrumentsTrader

s.126 Enforcement of land mortgages.

amended 4 times (opens in a new tab)

5 other sections in this Part — procedural and definitional

s.105 Form and content of securities.

s.116 Redemption period.

s.117 Redemption procedure.

s.121 Realisation of pawn.

s.122 Order in Scotland to deliver pawn.

Part 9

Judicial Control

8 of 24 sections shown

s.127 Enforcement orders in cases of infringement.

amended 4 times (opens in a new tab)

s.128 Enforcement orders on death of debtor or hirer. Regulated

Other duties (1) — Crown / regulator

Courts must only enforce credit agreements after death if debt is at riskTribunal / Court

s.129 Time orders. Regulated

Other duties (1) — Crown / regulator

Courts may issue time orders to reschedule debt or hire paymentsTribunal / Court

amended 3 times (opens in a new tab)

s.129 Debtor or hirer to give notice of intent etc. to creditor or owner Regulated

Give 14 days' notice before applying for a court Time OrderTrader

amended 3 times

s.134 Evidence of adverse detention in hire-purchase etc. cases. Regulated

Establish legal possession of goods when a customer refuses to return themTrader

s.136 Power to vary agreements and securities.

amended 1 time (opens in a new tab)

s.137 Extortionate credit bargains.

amended 1 time (opens in a new tab)

s.143 Jurisdiction of county court in Northern Ireland.

amended 3 times (opens in a new tab)

16 other sections in this Part — procedural and definitional

s.130 Supplemental provisions about time orders.

s.130 Interest payable on judgment debts etc.

s.131 Protection orders.

s.132 Financial relief for hirer.

s.133 Hire-purchase etc. agreements: special powers of court.

s.135 Power to impose conditions, or suspend operation of order.

s.138 When bargains are extortionate.

s.139 Reopening of extortionate agreements.

s.140 Interpretation of sections 137 to 139.

s.140 Unfair relationships between creditors and debtors

s.140 Powers of court in relation to unfair relationships

s.140 Interpretation of ss. 140A and 140B

s.140 Advice and information

s.141 Jurisdiction and parties.

s.142 Power to declare rights of parties.

s.144 Appeal from county court in Northern Ireland.

Part 10

Ancillary Credit Businesses

16 of 17 sections shown

s.145 Types of ancillary credit business.

amended 14 times (opens in a new tab)

s.146 Exceptions from section 145.

amended 12 times (opens in a new tab)

s.147 Application of Part III.

amended 4 times (opens in a new tab)

s.148 Agreement for services of unlicensed trader.

amended 7 times (opens in a new tab)

s.149 Regulated agreements made on introductions by unlicensed credit-broker.

amended 7 times (opens in a new tab)

s.150 Appeals to Secretary of State against licensing decisions.

amended 1 time (opens in a new tab)

s.151 Advertisements.

amended 6 times (opens in a new tab)

s.152 Application of sections 52 to 54 to credit brokerage etc.

amended 1 time (opens in a new tab)

s.154 Prohibition of canvassing certain ancillary credit services off trade premises. Imprisonment

Illegal canvassing of credit and debt servicesAny Person

2 years imprisonment · amended 1 time (opens in a new tab)

s.155 Right to recover brokerage fees.

amended 7 times (opens in a new tab)

s.156 Entry into agreements.

amended 1 time (opens in a new tab)

s.157 Duty to disclose name etc. of agency. Prosecution

Failure to disclose credit reference agency detailsAny Person

Unlimited fine · amended 10 times (opens in a new tab)

s.158 Duty of agency to disclose filed information. Prosecution

Fail to provide a copy of a credit file upon requestAny Person

Unlimited fine · amended 7 times (opens in a new tab)

s.159 Correction of wrong information. Prosecution

Fail to comply with an order to correct credit filesAny Person

Unlimited fine · amended 13 times (opens in a new tab)

s.160 Alternative procedure for business consumers. Prosecution

Fail to follow alternative disclosure rules for business credit filesAny Person

Unlimited fine · amended 8 times (opens in a new tab)

s.160 Credit intermediaries

amended 8 times

1 other section in this Part — procedural and definitional

s.153 Definition of canvassing off trade premises (agreements for ancillary credit services).

Part 11

Enforcement of Act

13 of 13 sections shown

s.161 Enforcement authorities. Regulated

Other duties (1) — Crown / regulator

Weights and measures authorities must report to the FCA on requestLocal authority

amended 7 times (opens in a new tab)

s.162 Powers of entry and inspection.

amended 16 times (opens in a new tab)

s.163 Compensation for loss.

amended 3 times (opens in a new tab)

s.164 Power to make test purchases etc.

amended 2 times (opens in a new tab)

s.165 Obstruction of authorised officers.

amended 5 times (opens in a new tab)

s.166 Notification of convictions and judgments to FCA. Regulated

Other duties (1) — Crown / regulator

Courts may notify the FCA of business-related convictions or judgmentsTribunal / Court

amended 4 times (opens in a new tab)

s.167 Penalties.

amended 5 times (opens in a new tab)

s.168 Defences. Regulated

Notify the prosecutor if you rely on a third party for your legal defenceAny Person

s.169 Offences by bodies corporate. Imprisonment

Personal liability of officers for business credit offencesDirector or Officer

s.170 No further sanctions for breach of Act. Regulated

Other duties (1) — Crown / regulator

FCA may consider any breach when exercising its regulatory functionsStatutory regulator

amended 3 times (opens in a new tab)

s.171 Onus of proof in various proceedings.

amended 2 times (opens in a new tab)

s.172 Statements by creditor or owner to be binding. Regulated

Ensure statements and balance notices provided to customers are accurateTrader

s.173 Contracting-out forbidden.

amended 3 times (opens in a new tab)

Part 12

Supplemental

22 of 27 sections shown

s.174 Restrictions on disclosure of information.

amended 12 times (opens in a new tab)

s.174 Powers to require provision of information or documents etc.

amended 12 times

s.175 Duty of persons deemed to be agents. Prosecution

Pass on payments and notices received as an agent immediatelyTrader

Unlimited fine

s.176 Service of documents.

amended 2 times (opens in a new tab)

s.176 Electronic transmission of documents

amended 2 times

s.177 Saving for registered charges.

amended 4 times (opens in a new tab)

s.178 Local Acts.

amended 1 time (opens in a new tab)

s.180 Power to prescribe form etc. of copies.

amended 1 time (opens in a new tab)

s.181 Power to alter monetary limits etc.

amended 11 times (opens in a new tab)

s.182 Regulations and orders.

amended 10 times (opens in a new tab)

s.183 Determinations etc. by FCA.

amended 4 times (opens in a new tab)

s.184 Associates.

amended 6 times (opens in a new tab)

s.185 Agreement with more than one debtor or hirer.

amended 6 times (opens in a new tab)

s.186 Agreement with more than one creditor or owner. Prosecution

Interact with any co-owner or co-creditor to fulfill legal requirementsTrader

Unlimited fine

s.188 Examples of use of new terminology.

amended 1 time (opens in a new tab)

s.189 Definitions.

amended 57 times (opens in a new tab)

s.189 Meaning of “consumer credit EEA firm ”

amended 57 times

s.189 Green deal plans

amended 57 times

s.189 Section 189B: supplementary provision

amended 57 times

s.189 Section 189B: temporary provision

amended 57 times

s.190 Financial provisions.

amended 2 times (opens in a new tab)

s.191 Special provisions as to Northern Ireland.

amended 5 times (opens in a new tab)

5 other sections in this Part — procedural and definitional

s.179 Power to prescribe form etc. of secondary documents.

s.187 Arrangements between creditor and supplier.

s.187 Definition of ‘default sum’

s.192 Transitional and commencement provisions, amendments and repeals.

s.193 Short title and extent.

Schedules

5 of 112 shown

s.sch001 Prosecution and Punishment of Offences Imprisonment

Unlawfully solicit credit agreements away from business premisesAny Person

s.sch004 In section 2, for subsection (1) substitute— No person shall after the coming into force of this... Regulated

Ensure trading stamps have clear face value in British currencyAny Person

s.sch004 In section 2, for subsection (1) substitute— Regulated

Ensure all trading stamps show their value in clear currencyAny Person

s.schedule a1 para.12 (1) The Tribunal shall decide an appeal by reference to... Regulated

Provide updated information within 28 days if the Tribunal remits your applicationApplicant

s.schedule a1 para.8 The Tribunal shall sit at such times and in such... Regulated

Other duties (1) — Crown / regulator

Consumer Credit Appeals Tribunal must sit as the Lord Chancellor directsTribunal / Court

107 other schedules

s.sch002 Examples of Use of New Terminology

s.sch002a MEANING OF “DEBTOR” IN RELATION TO GREEN DEAL AGREEMENTS

s.sch003 Transitional and Commencement Provisions

s.sch003 (1) An agreement made before 1st April 1977is not a...

s.sch003 Section 50 comes into operation on 1st July 1977.

s.sch003 (1) Section 56 applies to negotiations in relation to an...

s.sch003 Sections 57 to 59, 61 to 65 and 67 to...

s.sch003 Section 66 comes into operation on 19th May 1985.

s.sch003 Section 75 comes into operation on 1st July 1977 but...

s.sch003 (1) Section 76 comes into operation on 19th May 1985....

s.sch003 (1) Sections 77 to 80 come into operation on 19th...

s.sch003 Section 81 comes into operation on 19th May 1985.

s.sch003 Section 82 comes into operation on 1st April 1977.

s.sch003 A transaction may be a linked transaction in relation to...

s.sch003 (1) Sections 83 and 84 come into operation on 19th...

s.sch003 (1) Section 85 comes into operation on 19th May 1985....

s.sch003 (1) Section 86 comes into operation on 19th May 1985....

s.sch003 Sections 87 to 89 come into operation on 19th May...

s.sch003 Sections 90 and 91 come into operation on 19th May...

s.sch003 Section 92 comes into operation on 19th May 1985.

s.sch003 Section 93 comes into operation on 19th May 1985.

s.sch003 Sections 94 to 97 come into operation on 19th May...

s.sch003 Section 98 comes into operation on 19th May 1985.

s.sch003 Section 99 comes into operation on 19th May 1985.

s.sch003 Section 19(3) applies only to transactions entered into on or...

s.sch003 Section 100 comes into operation on 19th May 1985.

s.sch003 Section 101 comes into operation on 19th May 1985.

s.sch003 Section 102 comes into operation on 19th May 1985.

s.sch003 Section 103 comes into operation on 19th May 1985.

s.sch003 Section 104 comes into operation on 19th May 1985.

s.sch003 Part VII (except sections 90, 91, 93 and 99 to...

s.sch003 Section 105 comes into operation on 19th May 1985.

s.sch003 (1) Sections 107 to 110 come into operation on 19th...

s.sch003 (1) Section 111 comes into operation on 19th May 1985....

s.sch003 Sections 114 to 122 come into operation on 19th May...

s.sch003 Section 20 applies to consumer credit agreements whenever made.

s.sch003 Sections 123 to 125 come into operation on 19th May...

s.sch003 Section 126 comes into operation on 19th May 1985.

s.sch003 Sections 137 to 140 (extortionate credit bargains) come into operation...

s.sch003 Subject to paragraph 42, Part IX comes into operation on...

s.sch003 Subsections (1) and (2) of section 151 do not apply...

s.sch003 Sections 157 and 158 do not apply to a request...

s.sch003 (1) In the case of an agreement—

s.sch003 In section 189, the definition of “local authority ” shall...

s.sch003 Part IV does not apply to any advertisement published before...

s.sch003 Section 49 comes into operation on 1st October 1977.