Prepare your BNPL business for FCA regulation
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UK Statutory Instrument
2010
United Kingdom
Consumer Credit (Disclosure of Information) Regulations 2010
At a glance
Enforced by
What's here
7 compliance obligations, 1 practical guide · 3 journeys
Penalty landscape
1 of 7 obligations carry an unlimited fine. 6 have no criminal penalty — flagged in the list below.
Who this Act binds
Business-side actors with duties under this Act, ranked by how often they appear.
- Trader 7
Step-by-step journeys using this legislation
Walkthroughs that take you from a real business situation to compliance.
Start offering consumer credit to customers
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Consumer credit compliance quick-check
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Relevant guidance
Practical guides for businesses affected by this Act, ordered by how closely they engage with it.
Direct — cites this Act
1 guidesOther Acts binding the same actors
For each actor bound by this Act, the other UK Acts that bind them most often. Useful for understanding the full compliance landscape facing each role.
Traders also bound by 219 other Acts (top 5 shown)
- Value Added Tax Regulations 1995 1995 952 duties
- TULRCA 1992 1992 39 duties
- Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 2013 39 duties
- Companies Act 2006 2006 39 duties
- The Customs (Import Duty) (EU Exit) Regulations 2018 2018 33 duties
What this Act requires
Sections that create concrete duties on businesses or carry penalties. Procedural and definitional sections are folded into the “Browse other sections” expander at the bottom of each group. Click any section title to read the source text on legislation.gov.uk.
Schedules
Pre-contract Consumer Credit Information (Overdrafts)
Unlimited fine- Provide a standardized pre-contract information form for overdrafts Trader
Information to be disclosed: telephone contracts
- Provide specific credit information during telephone sales Trader
Information to be disclosed: non-telephone distance contracts
- Disclose credit information after making distance agreements Trader
Information to be disclosed: distance contracts for the purpose of a business
- Provide pre-contract credit information for business distance contracts Trader
Information about contractual terms and conditions: regulations 3, 4 and 5
- Provide full contract terms for consumer distance credit agreements Trader
Information to be disclosed: pawn agreements
- Inform existing customers of their right to pre-contract pawn information Trader
s.11
- Use correct formats for pre-contract overdraft information Trader
Browse 5 other sections — procedural / definitional / commencement
Official guidance
Authoritative sources published by regulators or government explaining this legislation.
- CONC 4: Pre-contractual requirements (opens in a new tab) from FCA Detailed Guidance
- FCA CONC 5 - Responsible lending (opens in a new tab) from FCA Detailed Guidance
Enforcement and responsible bodies
The regulators that administer or enforce this legislation.
Financial Conduct Authority
Regulation of financial services firms and markets. Supervises banks, insurers, investment firms, payment services, and cryptoasset businesses. Issues authorisations and enforces conduct …
Connected legislation
parent Act
These instruments amend, apply, or refer to this Act. They may not all create direct business obligations.
Made under
Consumer Credit Act 1974 1974 Primary Act
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Browse legislation
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Regulators
Learn more about the bodies that enforce this legislation.