UK Statutory Instrument SI 2010 United Kingdom

Consumer Credit (Agreements) Regulations 2010

These Regulations implement article 10 of Directive 2008/48/EC of the European Parliament and of the Council on credit agreements for consumers (OJ No. L133, 22.5.2008, p.66) (“the Directive”) and impose requirements about what information has to be included in a regulated consumer credit agreement.

Read it on legislation.gov.uk (opens in a new tab)
Enforced by
FCA
Status
Amended (in force with amendments)
Penalty ceiling
Regulated

Does it bind you?

Business-side roles with duties under this instrument.

Trader3 Any Person1

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
Companies Act 2006 243 duties
Companies Act 1985 85 duties
Any Person — also bound by 2340 other Acts

What it requires

Regulations 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.

s.003 Form and content of regulated consumer credit agreements (opens in a new tab) Regulated
  • Ensure consumer credit agreements meet strict form and content requirementsTrader
s.005 Modifying agreements (opens in a new tab) Regulated
  • Use correct format for modifying credit agreementsTrader
s.006 Pawn agreements (opens in a new tab) Regulated
  • Include specific details and notices in pawn-receiptsAny Person
s.007 Statutory Forms (opens in a new tab) Regulated
  • Reproduce statutory forms exactly in regulated consumer credit agreementsTrader
4 other provisions — procedural and definitional
s.001 Citation, commencement and interpretation (opens in a new tab)
s.002 Agreements to which these regulations apply (opens in a new tab)
s.004 Signing of agreement (opens in a new tab)
s.008 Form and content of an authorised overdraft agreement (opens in a new tab)
Schedules

Schedules

0 of 21 shown
21 other schedules
s.sch003 Your goods will not be insured by the creditor while...
s.sch003 (1) Creditor to insert the date at the end of...
s.sch003 (2) Creditor to insert the amount specified in section 118(1)(b)...
s.sch003 (3) Creditor to insert the amount specified in section 120(1)(a)...
s.sch003 (4) Creditor to insert the amount specified in the Consumer Credit...
s.sch003 (5) Creditor to omit this paragraph if inapplicable.
s.sch003 NOTICE TO DEBTOR
s.sch003 IMPORTANT – YOU SHOULD READ THIS CAREFULLY
s.sch003 Right to Redeem Articles
s.sch003 If you hand in this agreement (which is also your...
s.sch003 IF YOU DO NOT REDEEM THE ARTICLE(S) ON OR BEFORE(1)...
s.sch003 Loss of Receipt
s.sch003 If you lose your receipt you may provide either a...
s.sch003 Unredeemed Articles
s.sch003 An article not redeemed within the redemption period becomes the...
s.sch004 Schedule 4 para.wrapper16n2
s.sch004 Schedule 4 para.wrapper17n2
s.sch004 Schedule 4 para.wrapper18n2
s.sch004 Schedule 4 para.wrapper19n2
s.sch004 Schedule 4 para.wrapper20n2
s.sch004 Schedule 4 para.wrapper21n2

Help complying

Guvnor’s practical routes through this instrument.

Prepare your BNPL business for FCA regulation

Preparation guide for Buy Now Pay Later providers and merchants ahead of FCA regulation from 15 July 2026. Covers what is changing, …

Start offering consumer credit to customers

End-to-end learning path for businesses new to consumer credit. Covers understanding FCA regulation, obtaining authorisation, setting up pre-contract disclosures and affordability assessments, …

Consumer credit compliance quick-check

Quick compliance check for experienced consumer credit firms. Covers FCA permissions, fee payments, credit advertising, pre-contract disclosures, Consumer Duty obligations, complaints handling, …

Meet pre-contract disclosure requirements for credit

How to provide the required pre-contract information to borrowers before entering a consumer credit agreement. Covers the SECCI form, adequate explanations duty, …
1 more guide that reference this instrument
Hire purchase and conditional sale agreements

Connected legislation

The wider family of instruments made under the same parent Act.

Duty extraction and severity labels are Guvnor’s analysis of the instrument, not the instrument itself. Always verify against the linked source text.