An overview of the Consumer Credit Act 1974

Toby Riley-Smith and Henry Warwick, of Henderson Chambers, provide an overview of the regime under the Consumer Credit Act 1974 (CCA) and its subordinate regulations. Among other things, they consider:

  • The scope and application of the CCA.
  • The core requirements relating to regulated agreements.
  • Judicial orders.
  • Licensing.
  • Advertising.

This note is in the process of being updated to reflect the transfer of responsibility for the regulation of consumer credit from the OFT to the FCA on 1 April 2014. For an overview of the UK consumer credit regime, see Practice note, UK consumer credit regime.

Toby Riley-Smith and Henry Warwick, Henderson Chambers


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