UK Statutory Instrument SI 2010 United Kingdom

Consumer Credit (Advertisements) Regulations 2010

These Regulations revoke and replace the Consumer Credit (Advertisements) Regulations 2010 (SI 2010/1012), which have not yet come into force, to address certain defects in the drafting of that instrument. They have been issued free of charge to all known recipients of that instrument.

Read it on legislation.gov.uk (opens in a new tab)
Enforced by
FCA
Status
In Force
Penalty ceiling
Prosecution 1 of 5 obligations carry an unlimited fine. 4 have no criminal penalty — flagged in the list below.

Does it bind you?

Business-side roles with duties under this instrument.

Trader4 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.002 Duty to comply (opens in a new tab) Regulated
  • Ensure credit advertisements comply with all legal requirementsAny Person
s.003 General requirements (opens in a new tab) Regulated
  • Ensure credit advertisements are clear, legible, and identify your businessTrader
s.007 APR (opens in a new tab) Regulated
  • Use correct APR formatting and terminology in credit advertisementsTrader
s.009 Security (opens in a new tab) Prosecution
  • Disclose security requirements in credit advertisementsTrader

Unlimited fine

s.010 Restrictions on certain expressions in credit advertisements (opens in a new tab) Regulated
  • Use only permitted terms and descriptions in credit advertisementsTrader
8 other provisions — procedural and definitional
s.001 Citation, commencement, revocation and interpretation (opens in a new tab)
s.004 Content of advertisements (opens in a new tab)
s.005 Representative Example (opens in a new tab)
s.006 Other advertisements requiring representative APR (opens in a new tab)
s.008 Ancillary services (opens in a new tab)
s.011 Exclusions (opens in a new tab)
s.012 Transitional provisions (opens in a new tab)
s.provisions relating to calculation and disclosure PROVISIONS RELATING TO CALCULATION AND DISCLOSURE OF TOTAL CHARGE FOR CREDIT AND APR

Help complying

Guvnor’s practical routes through this instrument.

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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, …

Comply with credit advertising rules

How to advertise consumer credit products compliantly under FCA rules. Covers representative APR requirements, triggered information, social media advertising, risk warnings for …

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.